PRODUCTS AND SERVICES

    • SERVICES:

    • Risk Management

      In conjunction with our insurance products, The Moore-McLean Insurance Group Ltd. provides unique Risk Management services. This service has been designed to develop and provide effective risk management solutions and programs for our customers' needs. We have a team of professionals dedicated to working with our clients to reduce and manage risk. This program is designed as a value-added service, and in some cases is available at no additional cost to our customers.

    • Loss Control Services

      Businesses face a wide variety of risks that could impact operations. As your trusted advisor, we meet with you to listen and review your existing loss control program, determine the gaps, and then deliver a comprehensive loss control plan which outlines the services to be provided.

    • Disaster Planning

      Planning for the unexpected will help your business minimize a disaster's effects. We can refer you to a team of professionals who can counsel you through a disaster planning process unique to your business.

    • Contract Analysis

      All businesses are, to some degree, governed by the terms and conditions of contracts and agreements. We can analyze these legal documents, offer suggestions for amendments to reduce risks where appropriate, and provide the insurance options required to meet the contract conditions and risks assumed.

    • PRODUCTS:

    • Group Benefits

      The term Group Benefits typically refers to a group health and dental care program sponsored by a company for the benefit of its employees.  These benefits help plan members bridge the widening gap between provincial health insurance plans and the coverage members and their families need.  Plans are customizable and design to cover groups from 1-1000 employees, and even more.  To get a quote for your employees, click here.

    • Mortgage Life Insurance

      Buying a home may be the biggest financial decision you'll ever make. Insuring the balance of your mortgage can take many different forms, from accepting the type of policy offered by your lender to crafting coverage that suits your specific needs and budget.  Many people are unaware that their lending institution is not the only source for this kind of protection and that better choices may exist with lower costs and greater flexibility so, it makes sense to do some shopping and comparing. You can choose from coverage that can be used to pay for all or part of your mortgage balance in case you or your spouse dies, suffers a catastrophic illness or a disability and the benefit is payable to you, not your lender.  Get more information or a quote by clicking here.

    • Carnet Bonds

      This bond allows individuals and businesses to take goods out of Canada for the purpose of display. The ATA Carnet is an international customs document that permits the duty-free and tax-free temporary import of goods for up to one year. The bond provides guarantee to the Chamber of Commerce that goods will not be sold outside Canada. Should these goods be sold outside Canada, the Principal must provide proof of payment of the applicable duties and taxes. If the Canadian Chamber of Commerce is not provided with proof of payment, a claim may be filed against the bond. Please contact us at bonds@mooremclean.com for further information on how we can assist you.

    • Permanent Life Insurance

      It may be necessary to purchase a life insurance policy to cover long term debts like: a surviving spouse; estate preservation; funeral costs; a dependent handicapped child; or to create a legacy for your children, grandchildren, charity or your favourite cause.  There are scores of different types of permanent insurance to suit your specific needs and it is very important to talk to an experienced licensed professional who can help you to decide on your best options.  To get a Permanent Insurance quote specific to your family's needs, click here.

    • Universal Life Insurance

      Typically, the insurance company is responsible for all of the investment choices and administration for a life insurance policy.  Universal Life Insurance provides the owner(s) of the policy with a lot more flexibility in the type and amount of the life insurance coverage, the cost of the insurance, the amount of the premiums that they pay and the type of investments that they use within the policy.  To get a Universal Life quote specific to your family's needs, click here.

    • Critical Illness

      Critical Illness Insurance covers you for a selected list of catastrophic illnesses and events which can have a severe impact on you and your family.  It can be used to protect stay at home parents, single people who would need extra help if they had a covered illness, self employed individuals and people without disability income insurance.  This insurance pays you a lump sum benefit and you are able to determine its uses such as paying for your regular monthly expenses, offsetting your loss of income, paying off debts, paying for other expenses related to your illness and rehabilitation.  Critical Illness policies are very affordable and can be customized to your family's needs.  Click here to find out how little a quality policy will cost.

    • Group Savings Plans

      Group Savings programs can incorporate many types of plans including: Group RRSPs with or without contributions from the employer; Defined Benefit Pensions; Defined Contribution Pensions; Group Tax Free Savings plans; and Non-Registered Savings Accounts using high interest savings accounts and more.  Each option has pros and cons for the employer and the employees which we can help you to evaluate to make sure that you choose the best benefit for your company.  Get more information by clicking here. 

    • Term Insurance

      Term Insurance is usually used to cover debts and obligations that have a foreseeable time limit, such as loans, mortgages and family responsibilities.  This type of policy has a level benefit and a predetermined age when the coverage will cease.  If you choose, you may also be able to convert your term insurance coverage into a permanent insurance policy without having to prove that you are insurable.  To get a Term Insurance quote specific to your family's needs, click here.

    • Disability

      A personal disability income insurance plan can protect someone who is self-employed, an employee who does not have enough coverage based on all sources of insurable income, and those people who want to improve the type or amount of coverage in their group insurance plan.  These plans offer protection coverage 24 hours a day, 7 days a week and can offset injuries and illnesses that happen outside the workplace.  For pricing on disability coverage for your particular needs, click here.

    • Executive Compensation Plans

      Business owners have different options available when planning their own type and amount of compensation and they sometimes take advantage of these opportunities.  However, they don't have as many tax effective options available when they are offering compensation to their key employees who are not necessarily shareholders.  Many different options are available when planning for the salary, compensation bonuses and retirement of business owners and their key employees.  It is important to view the entire compensation program as a whole to make it the most effective and efficient strategy possible.  Get pricing options by clicking here.

    • Marine Cargo

      As goods and freight are moved from place to place, damage or loss during transit can occur.  Marine Cargo insurance protects against such loss.  Although its origins were deeply rooted in carriage by ocean or inland water, Marine Cargo insurance now reflects the carriage of freight by rail, road and air, with terms and conditions to address the specific risks associated with the means of transportation and inherent liability.  Click for a quote for your Marine Cargo needs.

    • Tenant/Renter - Get an Instant Quote!

      Just because you don't own your home doesn't mean that you don't have anything of value. You can still suffer financial devastation in the event of a loss due to fire, theft or sewer backup.  Tenant/renter insurance is designed to cover your belongings, and often any improvements you've made to the area of the dwelling you occupy (Your landlord's insurance coverage will most likely not provide the personal protection you need.).  Additionally, tenant/renter insurance will provide security against personal liability in the event that someone is injured while visiting your home.  Don't leave yourself exposed; get an online Instant Quote now!

    • Condominium - Get an Instant Quote!

      Your condominium corporation is required to carry insurance to cover the overall building, including your unit.  This is why it can be very confusing trying to figure out what exactly you are responsible to insure.  As a condo owner, it is your responsibility to make sure that your personal belongings and interests are adequately covered.  This includes your furniture, artwork and personal belongings, as well as any upgrades you have made inside your unit, such as better carpets and built-in cupboards.  Additionally, it is critical that you have protection against personal liability for injuries to visitors to your home, or for damage you accidentally cause to a neighbour's property.  Get protected; get an online Instant Quote today.

    • Errors & Omissions

      Also referred to as E&O, Errors and Omissions insurance provides protection to business professionals against claims for damages resulting from the professional's faulty performance.  Faulty performance could mean a negligent act, error, omission or advice resulting in damages.  A quote is just a click away.

    • Professional Liability

      Although similar to Errors & Omissions insurance in many ways, Professional Liability insurance is designed to cover the professional acts of individuals such as lawyers, doctors, dentists, real estate brokers and insurance brokers.  Often, proof of designation or accreditation is required, such as a licence to practice medicine in the case of a doctor.  However, professional liability policies are now issued to a much wider professional customer base than ever before as the courts now hold a much broader segment of society accountable to their clients and third parties.  Click for a quote for your Professional Liability needs.

    • Directors' & Officers' Liability

      Another form of liability insurance is Directors' & Officers' (D&O) insurance.  Directors and Officers of a company, corporation or organization have a basic duty and responsibility to represent the best interests of their constituent members and to do so within the law.  Any failure to fulfill this duty could result in damages brought against the directors and officers; they made be held personally responsible for claims arising from breach of duties, wrongful dismissal or the activities of staff in the name of the organization.  A D&O policy will cover the costs of defending a claim.  Other, broader forms of D&O coverage are available to address the needs of individuals and organizations acting in specific capacities.  Protect yourself; click for a quote.

    • Special Event

      Special events such as concerts, live entertainment, festivals, sporting events and even family reunions can spell disaster if the organizer is faced with damages arising out of activities at the function.  Fortunately, Special Event insurance is available for the protection of organizations, individuals, groups, bands, friends, clubs, religious entities, and companies that host activities that are not included in their General Liability Policy, and are required at or by the facility, auditorium, park, municipal or provincial authorities. These policies provide liability coverage and often include coverage for liquor liability and legal defense for claims of negligence brought on to the party holding the Event.  Get protected; get a quote today by clicking here.

    • Surety Bonds

      Although not really insurance, bonds provide protection and security if the terms of a contract are not fulfilled. A bond is a three-way agreement between: A) a Principal (the party performing the duties per contract); B) an Obligee (the party who is the recipient of the performance); and C) a Surety (the party who ensures that the principal will live up to his/her contractual obligations).  If the Principal fails to meet the terms of the contract, the Obligee will collect a stipulated sum from the Surety, up to the bond limit, in lieu of performance.  The Principal is then obligated to the Surety for amounts it paid.  Bonds are issued for a variety of situations and purposes.  A quote is just a click away.

    • Watercraft

      Because watercraft varies so greatly in construction, use, value, degree of mobility and speed, it requires specific coverage.  For example, although liability may be included for some watercraft under a comprehensive homeowner/condo owner or tenant's policy, other watercraft is strictly excluded.  Additionally, coverage for loss or damage to watercraft under a comprehensive homeowner/condo owner or tenant's policy is very limited, and would likely be insufficient to cover the cost of repair or replacement.  Special watercraft polices are available to insure a variety of boats, whether jet-powered or wind-powered.  To get pricing on your watercraft insurance needs, click here.

    • Recreational Vehicle

      Recreational Vehicles (RVs) come in many forms - travel trailer, camper, mobile home, campervan - and are subject to a variety of different regulations, laws and insurance requirements depending on design, use and where it is located.  For example, if located in Ontario and used in connection with an automobile, the travel trailer may be covered under the auto policy for Third Party Liability, Accident benefits, Uninsured Automobile and, under certain conditions, Direct Compensation Property Damage (DCPD), providing the trailer does not exceed a certain weight, is not designed to carry passengers or for living in, or for commercial purposes.  Collision and/or Comprehensive and DCPD require the trailer to be described on the policy at additional cost. If the RV is drive-able on its own, then the appropriate insurance must be obtained via your auto insurance provider. For a quote for RV insurance, click here.  A quote is just a click away.

    • WeatherSure Weather Coverage

      Is your bottom line sensitive to the weather?  If so, you'll want to know more about WeatherSure - a revolutionary weather coverage program that can actually pay you for bad weather!  See the presentation HERE.

    • Travel

      The Moore-McLean Insurance Group Ltd. works hard to protect you at work, at home, and on the road!  We understand the importance of being protected any time you travel.  We're pleased to offer a complete line-up of travel insurance products and coverage options for all budgets, travel plans, ages and medical conditions (may require medical underwriting).  Coverage types include:

      • Single-Trip Daily Plans
      • Multi-Trip Annual Plans
      • Visitors to Canada
      • Snowbird Travel
      • Business Travel
      • Family Travel
      • Additional options and features: Top-Ups and Extensions, Trip Cancellation Coverage, Baggage Loss Insurance, 24/7 Worldwide Emergency Assistance, Up to $5 million coverage for hospital and medical expenses and more.

      We're just a phone call away - Our licenced Travel Insurance Professionals will answer your questions and help you select the coverage that's right for you.  Call toll-free: 1-866-991-9105.  

    • Credit Insurance

      By insuring your accounts receivable, you are able to protect your cash flow and profits against bad-debt losses, expand sales to new customers and markets without increasing risk, and enhance your relationship with lenders allowing you to potentially borrow more working capital or secure better financing terms.  Get a quote today.