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Local Insurance Brokers vs. Insurance Companies: Who Should You Trust?


Why You Should Choose a Hometown Insurance Broker Over a Direct Insurance Company

Contrary to popular belief, using an insurance broker is better than using a direct insurance company for many reasons.

Advertising strategies make people believe that using direct line is cheaper compared to insurance brokers, which is not true. Most insurance companies have special discounted rates for insurance agents as they facilitate in spreading their market reach.

At Duliban Insurance Brokers, we help you figure out how to save money on car insurance, as well as home, commercial, or farm insurance. We take pride in providing the most competitive rate with coverages that are most important to you. We are there for you 24 hours a day, 7 days a week in the event of a claim and will assist you throughout this entire process. That’s why you should ‘Trust us as your Hometown Insurance Broker.


What is an Insurance Broker?

Did you know that 80% of all insurance in Ontario is purchased through brokerages like us? That’s because we, unlike direct writers, work for you.

We represent many of the provinces’ top rated insurers who all compete for your business. We’ll negotiate on your behalf to obtain the coverage you need at the most competitive rate. Our goal is to find you affordable insurance rates you can be happy about.

Another advantage we have as brokers is that we can move your business to any of our other companies if your rates unexpectedly or unjustifiably increase.

Duliban Insurance Brokers represents more then 20 different insurance companies in Ontario. So, by calling us for a quote, you are effectively making what’s equal to almost 20 phone calls!

We are expert shoppers and we ensure you are always paying the best price for the best coverage. We’ll help you compare car insurance companies, or another type of insurance, to make sure you have what you need.


A Broker Can Get You Affordable Insurance Rates

Direct writers from companies like State Farm, All State, Bel Air Direct, and Sonnet represent themselves only. These insurance companies consist of employees who have only their own product to offer.

They can only provide the coverage offered by the company they represent, and they try to fit their plans to your lifestyle rather than the other way around. Many allow you to “name your price” to make the sale, often disregarding your coverage needs.

This means you could end up paying a lot of money for your premium, and still not get the coverage you need. What use is buying insurance if you don’t have the right coverage to cover your losses?

Every individual is unique. At Duliban Insurance Brokers, we believe your insurance policy needs to be specially tailored to your own lifestyle. This makes sure that, in the event of a claim, you have all the tools to get back to where you were.


Let us do the Hard Work

When life happens, we know that the last thing you want to be dealing with is the corporate red tape that comes with insurance claims.

As brokers, we handle the majority of the paperwork and phone conversations for you so you can get reimbursed faster and focus on the more important things, like your recovery.

We can recommend restoration specialists to help you get back on your feet. We’ll also follow up with you to make sure you feel that you are being treated fairly and promptly. Lastly, we’ll assist you in any other way we can until we know you’re fully compensated!

Your hometown insurance broker will take into consideration your own individual needs to find you the best coverage for the best premium, at the most affordable insurance rates. For example, we can anticipate if you’re in a position where you’d need a rental car in the event of a claim.

We’ll also be able to anticipate that when your rental property becomes uninhabitable, you need coverage to cover the missed rent cheques while your tenant is displaced. And we can help with that.

As your broker, we make sure you have the coverage you need so that when these events occur, you’ll be able to get on with your life.


Hometown Brokers are Local Insurance Brokers Who Care

When you call your hometown broker, you are speaking with members of your own community.

Everyone is valued with us. We’re brokers who really care about our customer service, and strive to give you the best experience possible.

You will never call and have to speak to an outsourced customer service provider. When you call our office, you speak to someone who is committed to establishing a professional and personal relationship with you, and we protect your family the same as we would our own.

When you choose to buy your insurance through Duliban, you are paying for an unrivalled level of empathy, sincerity, and integrity.

As local insurance brokers, it’s easy for us to get involved in our community because of our deep seeded connections to the neighborhoods in which we do business! Duliban Insurance regularly supports local charities, sports teams, and events because we realize the importance of making local contributions and investing in our own hometowns.

You’ll often see a couple of our brokers at major local events, such as home shows, farmers’ markets, and fairs- and it’s not just because we want the food! Duliban’s insurance professionals take every opportunity to meet with community members and get to know them because we know that everyone wins when insurance is made personal.


Your Best Insurance is Your ‘Hometown Broker’

At Duliban Insurance Brokers, we care about our customers more than a direct insurance company ever would. We work with the best insurance companies in Ontario to find you affordable insurance rates you can be happy with.

We, as your hometown broker, promise to go the extra mile for you. At the end of the day, we have not done our job until we know we’ve done everything we can do to make you feel confident in your insurance coverage, premium, and provider.

We work for you, the insured, and we do it well.

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