Yes! A 30-day (sometimes more) guarantee on the rate generally applies. Outside that period, a quote can be given for information purposes and, within the 60 days, the policy can be re-quoted. 

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Yes. Ask the current provider about penalties associated with cancelling and follow the proper procedure. In many cases, special program rates and discounts off-set the penalty. In fact, if you place both auto and home insurance with us, you’ll receive 5% off your auto premium and 10% off your home premium.

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Yes, you can increase your coverage at any time!

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Full replacement cost means that insured receives full market value – up to the policy limit - without depreciation for items up to a specified age.

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Yes, in Ontario they are.

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Yes. In fact, employees should pay specifically forLTD (long term disability) benefit premiums so that when they receive benefits, the benefits will be deemed tax-deductible.

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For home, auto, and commercials claims, contact Pottruff & Smith Insurance Brokers Inc. at  your designated phone number or 1.888.768.8001 and speak with the Claims Manager (Mirella Perricone, extension 333). During the call, Mirella will request and record all the necessary information. She will review your file for your current rating and history and will advise, based on her evaluation, on whether submitting a claim is recommended or not. If so, Mirella assists with filing and following the claim's progress.   

For most health products and services claims, your pay direct card will connect your claim to the insurance company directly. In the pharmacy, presenting your prescription to the pharmacist along with your drug card will process the claim automatically. Depending on your plan design, you may be asked to pay a small portion of the claim. For hospital room claims, the majority of hospitals will submit directly to the insurance company and, again, depending on your plan design, you may be asked to pay a portion of the claim. For other health services, you may be required to pay the cost of the claim first and submit the receipt along with a claim form to the insurance company for reimbursement. In many cases the claim amount can be deposited directly to your bank account.

Many dental claims, similar to prescription drug claims, are processed on the EDI network. Depending on your dentist, you may be asked to pay the claim and arrange for reimbursement. Many dentist offices will submit the claim on your behalf. Payment is usually received within two weeks. In some cases, you may have to pay the claim and submit the receipts with a dental claim form.

For Life, Accidental Death & Dismemberment, Dependent Life and Disability Claims, contact  Pottruff & Smith at your designated phone number or 1.888.768.8001 and we will assist you in settling promptly. For Disability benefits, you will need to have a doctor's report to confirm your claim. 

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In the event of a claim, a pre-determined amount is paid by the insured with the balance of the claim being paid by the insurer. The deductible helps keep insurance rates at reasonable levels by ensuring that petty or needless claims are not filed.

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Premiums are affected in different ways depending on the circumstances.  With an auto claim, a premium change may be influenced by the insured’s driving record and his/her policy features. With a home claim, depending on the frequency of claims, generally the available discounts on a policy will be affected first and then the rating next. For commercial claims, the insurer looks at the frequency and type of claim (e.g. lots of break-ins?). The outcome could be an increased deductible or premium.

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Please refer to your association pages on this website for details on your program; to find out what your premium would be for any form of insurance, simply speak with the Account Manager on your association team.

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Pottruff & Smith works with many insurers, assessing the best combination of coverage and price for your situation.

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