Independent brokers · Barrie · Alliston · Simcoe
We do the shopping.
You get the coverage.
Your renewal climbs and nobody tells you why. We're independent, so we take your file to the market, explain in plain words what actually changed, and answer the phone ourselves when you claim.
What do you need to insure?
What we cover
Find your coverage in one click.
Everything on the site lives under one of these. Pick the one that sounds like you. We'll handle the fine print.
Auto
Ontario auto rates are regulated, but what you pay isn't. We check your record, vehicle and history against every carrier we hold.
- Car
- Motorcycle
- Boats & ATVs
- Rideshare
- Classic
Property
Rebuild cost, sewer backup, overland water. The three things most homeowners find out about after the fact. We go through them first.
- Home
- Condo
- Cottage
- High-value
- Tenants
Commercial
Trades, farms, retail, fleets. Liability, property, business interruption and equipment, built around how your business actually runs.
- Small business
- Liability
- Farm
- Retail
- Fleet
- Cyber
Life & specialty
Term and permanent life, plus the things that don't fit a box: trailer homes, standalone rentals, collector vehicles.
ExploreWho we shop
We make insurers compete for your business.
A direct insurer can only offer you their own price. We hold contracts with all of these, so we can put them side by side.
Chapman Insurance Team operates as part of SurNet Insurance Group Inc., which is how a small local team can put a full panel of insurers in front of you.
How it works
Three steps, and we do two of them.
Tell us what you need covered
Two minutes online, or one phone call. We only ask for what we actually need to quote you.
We shop it across our insurers
You get the options side by side, in plain language, with the differences that matter pointed out.
You're covered, and we stay on
Same broker at renewal. Same broker when you claim. You won't be handed to a call centre.
When something happens
A claim is the only part that counts.
Anyone can sell you a policy. The reason people stay with a broker is the phone call at the worst possible moment, and who picks up.
- Call us first. We'll tell you what to document before you file
- We deal with the adjuster on your behalf
- We tell you honestly whether claiming is worth it
Who you'll deal with
Local team. Not a queue.
Name to confirm
Name to confirm
What clients say
Reviews from people we look after.
"Tyler found us better coverage on the house and the truck for less than we were paying before. He actually walked us through what sewer backup covers instead of just handing over a number."
"Had water in the basement after the spring melt and called Chapman before I called anyone else. Told me exactly what to photograph, then dealt with the adjuster for me. No fight, no runaround."
"We run two trucks and a shop. First broker who understood that we're on the road half the year and built the policy around that instead of selling us something off a list."
"Moved the cottage over last spring. Straight answers, no pressure, and the renewal came in lower than what I had been paying for years without knowing any better."
"Called at four in the afternoon about adding our new driver. Handled the same day. My son had his G2 for six hours and was already on the policy."
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Common questions
The four we get asked most.
What does a broker cost me?
Nothing. We're paid a commission by the insurer you choose, not by you. That commission is built into the premium whether you use a broker or go direct, so going direct doesn't save you the fee, it just removes the person shopping on your behalf.
What's the difference between a broker and an agent?
An agent represents one insurance company and sells that company's products. A broker is independent and represents you. We hold contracts with a broad panel of insurers and place your business with whichever one fits best.
How fast can I get a quote?
Most quotes go back within one business day. Straightforward auto and home policies are often same-day if you reach us before mid-afternoon.
Are you licensed?
Yes. All of our brokers are licensed through RIBO, the Registered Insurance Brokers of Ontario, which sets the standards brokers in this province have to meet.
Let's see what you should be paying.
Free, no obligation, and no one will call you fourteen times. Your details are used to quote you and nothing else.