Life & Health Insurance
Protect what matters most—your health, your income, and your family’s future. We offer tailored plans to keep you financially secure through life's unexpected turns.
Includes: Health & Life Insurance, Critical Illness, Disability, Group Benefits, Pensions, and Final Expenses.
Personal Insurance
Safeguard your lifestyle and most valuable assets with total confidence. Whether you are at home or on the road, our personal coverage ensures you are fully protected.
Includes: Homeowners Insurance, Auto Insurance, Personal Liability, and Rental Property Protection Solutions.
Commercial Insurance
Strategic risk management built for modern businesses. We protect your daily operations, physical assets, and leadership team so you can focus entirely on your growth.
Includes: General Liability, Professional Liability (E&O), Cyber Security, Commercial Auto & Custom Solutions.
Life & Health Insurance
Health Insurance
Health insurance is an essential part of a strong financial plan. While public or employer-provided coverage may help with some medical costs, many important healthcare expenses remain uncovered. Health insurance helps bridge this gap—protecting you and your family from unexpected financial burdens.
A comprehensive health insurance plan provides coverage for a wide range of medical needs, giving you control over your healthcare choices.
- Routine & Preventive Care: Coverage for prescription medications, dental care, and vision care.
- Specialized Treatments: Financial support for physiotherapy, massage therapy, and essential medical equipment.
- Travel Protection: Emergency medical expense coverage while traveling abroad.
Individual Life Insurance
Protect your family’s financial future with a life insurance plan tailored to your income, responsibilities, and long-term goals. At OCC Insurance, we design coverage that ensures your loved ones are supported and financially secure—no matter what the future holds.
Whether you are looking for affordable short-term protection or a lifelong strategy, we help you navigate your options.
- Term & Permanent Options: Flexible policies that match your specific life stage and budget.
- Debt & Mortgage Protection: Ensure your family isn't left with financial liabilities.
- Legacy Planning: Leave a tax-free financial gift to your dependents or favorite charity.
Key-Person Insurance
Your business relies on key individuals. This coverage helps protect your company from financial disruption in the event of the loss of an owner, executive, or essential team member, ensuring stability and continuity.
Losing a top performer shouldn't mean losing your business. We help you create a safety net for your operations.
- Revenue Protection: Compensate for lost sales or income generated by the key individual.
- Recruitment & Training: Cover the costs of finding and training a highly skilled replacement.
- Stakeholder Confidence: Maintain stability for creditors, investors, and remaining employees.
Critical Illness Insurance
Receive a lump-sum benefit upon diagnosis of a covered serious illness, helping you manage medical costs, recovery expenses, and income gaps without added financial stress.
When facing a severe health challenge, your only focus should be on getting better, not on paying bills.
- Unrestricted Funds: Use the lump-sum payout for anything—from alternative treatments to paying off your mortgage.
- Income Replacement: Bridge the gap if you or your spouse need to take time off work.
- Broad Coverage: Protection against major illnesses like cancer, heart attack, and stroke.
Disability Insurance
Your ability to earn an income is one of your most valuable assets. Disability insurance provides financial protection if an illness or injury prevents you from working, helping maintain your lifestyle and financial commitments.
- Monthly Income Stream: Replace a significant portion of your regular income.
- Customizable Waiting Periods: Choose when your benefits begin based on your emergency savings.
- Long-Term Security: Coverage that can last until you recover or reach retirement age.
Employee Group Benefits
Support and retain your team with competitive employee benefits programs. We design customized packages that provide health, dental, and income protection coverage tailored to your workforce.
A strong benefits package is no longer a luxury; it is a necessity for modern businesses.
- Attract Top Talent: Stand out in a competitive job market with comprehensive offerings.
- Boost Productivity: Healthier employees take fewer sick days and show higher engagement.
- Tax-Efficient Compensation: Benefit from tax-deductible premiums for your business.
Employee Group Pensions
Help your employees plan for the future with structured pension and retirement savings solutions. Our programs are designed to support long-term financial security while strengthening employee satisfaction and loyalty.
- Group RRSPs & DPSPs: Flexible retirement savings plans tailored to your company’s budget.
- Employer Matching: Encourage saving habits while rewarding employee loyalty.
- Financial Wellness: Reduce your employees' financial stress, leading to a more focused workforce.
Final Expenses Insurance
Ensure that funeral and end-of-life costs do not become a financial burden for your loved ones. This coverage provides peace of mind by helping manage final expenses with dignity and care.
- Guaranteed Acceptance Options: Available even for those with underlying health conditions.
- Rapid Payouts: Funds are typically released quickly to handle immediate funeral costs.
- Debt Settlement: Can be used to pay off minor outstanding debts or medical bills left behind.
Personal Insurance
Home Insurance
Protect more than just your property—protect the place you call home. Our homeowners insurance solutions are designed to safeguard your residence, personal belongings, and liability exposure against unexpected risks. With coverage tailored to your property type, location, and lifestyle, you gain the confidence of knowing your home is fully protected—no matter what life brings.
- Property & Content Protection: Coverage against fire, theft, vandalism, and severe weather.
- Personal Liability: Protection if someone is accidentally injured on your property.
- Additional Living Expenses: Financial help for temporary housing if your home becomes uninhabitable due to a covered claim.
Auto Insurance
From everyday commuting to luxury and specialty vehicles, our auto insurance solutions are built around how you drive. We provide flexible coverage options designed to protect your vehicle, your passengers, and your financial security on the road. Whether you own a standard vehicle or a high-value automobile, we ensure you receive the right level of protection with competitive, tailored policies.
- Comprehensive & Collision: Protection against accidents, theft, vandalism, and natural disasters.
- Liability Coverage: Safeguard your finances against claims of bodily injury or property damage to others.
- Accident Benefits: Medical and rehabilitation coverages for you and your passengers.
Rental Property Insurance
Your investment deserves strategic protection. Our rental property insurance solutions are designed specifically for landlords, helping protect your property, rental income, and liability exposure. Whether you own a single rental unit or a portfolio of properties, we provide customized coverage that supports long-term stability and protects your income-generating assets.
- Building & Asset Protection: Coverage for the physical structure and landlord-owned appliances.
- Loss of Rental Income: Compensation if a covered peril makes your property temporarily unrentable.
- Landlord Liability: Essential protection against lawsuits arising from tenant or visitor injuries.
Commercial Insurance
Commercial Insurance Built to Protect Your Business
Your business is more than a company—it’s the result of years of hard work, investment, and strategic vision. At OCC Insurance, we provide tailored commercial insurance solutions for businesses across Canada, helping organizations protect their operations, assets, leadership, and long-term growth. Whether you operate a startup, established corporation, contractor business, retail operation, or multi-location enterprise, our advisors build customized risk management strategies designed specifically around your industry and exposure profile.
Strategic Commercial Insurance Solutions for Modern Businesses
We provide strategic commercial insurance solutions designed to protect modern businesses from a wide range of risks. Our coverage includes protection against third-party liability claims, damage to property, and financial losses from business interruptions. We also offer specialized solutions such as:
- Professional Liability (E&O): Protection against claims of negligence or mistakes in your services.
- Cyber Insurance: Safeguard your digital assets against breaches, ransomware, and data theft.
- Directors & Officers (D&O): Protect company leadership from personal liability related to management decisions.
- Commercial Auto & Fleet: Comprehensive coverage for your company vehicles and drivers.
Why Businesses Choose Our Commercial Insurance Advisory Team
We bring industry-specific expertise to identify the unique risks your business faces and design tailored insurance programs around your operations. Rather than simply offering policies, we take a strategic approach—assessing vulnerabilities, analyzing exposures, and structuring protection accordingly.
- Access to Leading Insurers: We negotiate on your behalf across Canada’s top insurance markets.
- Ongoing Advisory: Regular policy reviews to ensure your coverage scales as your business grows.
- Dedicated Claims Support: We stand by your side to advocate for you during the claims process.
Industry-Focused Commercial Insurance Expertise
We provide specialized insurance solutions for businesses across a wide range of industries. Every sector has its unique challenges, and we speak your language. We proudly serve:
- Construction and Contracting
- Professional Services & Technology Startups
- Retail, Hospitality & Real Estate
- Manufacturing, Warehousing, and Transportation
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