Family owened and operated since 1964
We treat our clients with the respect they deserve, and provide the very best service they expect. Our book of business is referral driven, which speaks volumes. At Gwilliames & Associates Insurance Brokers we offer a very large range of insurance products.
Gwilliames & Associates
Philip A Gwilliames – principal broker and owner of Gwilliames & Associates Insurance Brokers Limited began his Insurance career in 1954. In 1961 was the first venture into actual selling of insurance when he joined a large commercial lines brokerage. Spending the next 7 years selling and servicing all forms of large and small commercial insurance requirements including that of thoroughbred and standard bred racehorses.
In 1968 a decision was made to form his own brokerage originally as sole proprietor and then incorporated. For years commercial insurance was a specialty although personal insurance was always provided. Now the brokerage has evolved to a full service office providing all forms of insurance coverage, still specializing in commercial insurance and group concepts. Almost all of the staff have many years with the organization and remain eager in their task of satisfying the need of every client who calls or contacts our office by means of phone, fax, email or internet.
Why use a Broker?
Broker vs Direct Writers
The old myth that a broker costs more money is simply not true.
Brokers have the availability to offer multiple quotes from multiple Insurance markets to obtain the best product to cover you properly. The advantage of a broker is that we are constantly working for you, the customer, to strive and make sure that you are obtaining the best coverage available. The coverage’s are constantly changing with new coverage being offered. An Independent Insurance Broker can advise you of these changes. As Broker we are “independent”- which means we work for you.
Direct Writers and the Banks have only one Insurance Company that they are able to market. How do you know that this is the best coverage available to you? By dealing with Direct Writers and Banks – you are your own Insurance professional and unless you ask the right questions you may not be covered adequately or be covered for what you are entitled to. The people you will talk to are Customer Service Reps or Sales Rep’s only. The chance of speaking to the same person is very slim. No rapport is achieved.
However, Insurance should not be purchased on pricing alone. Remember you get what you pay for.
Gwilliames & Associates Insurance Brokers Limited does not share, provide or sell personal client information except for situations covered by the client agreement as described below:
The Client hereby acknowledges that the Broker has been retained to acquire, renew or change a policy or policies of the insurance or to provide Consulting and/or Risk Management Services under which the Client, or named individuals in addition to the Client may be insured.
As part of the application for new, renewal or changes of existing insurance coverage(s), the Broker or Insurer, may need to: collect, maintain, use and disclose personal information of such insured individuals as required for the purposes of obtaining insurance coverage or quote.
The Client hereby expressly consents to the Broker or Insurer, collecting, using or disclosing personal information of the insured individuals as may be required to obtain the required protection to: an Insurance Company, Insurance Intermediary, industry rating programs or others, as related to your insurance program. Where the Client is a commercial or other entity, the Client’s signing officer hereby warrants that they have obtained the appropriate consent from all of the insured individuals to also disclose their personal information to the Broker as necessary for the purpose of acquiring insurance.
Only the Client will be able to make policy changes or be provided with information unless you indicate a named representative, (example: spouse, partner, and employee).
The Client may:
- Review personal information maintained by the Broker pertaining to the Client’s application, policy or policies
- Obtain copies of the Broker’s privacy policies or standards; or to make other inquires or to express concerns, the Client may do so by contacting the Broker’s Privacy Officer.
The Broker’s Privacy Officers is Owen McNeil.
E. & O.E. Disclaimer
Thank you for visiting our website. Please read the following conditions and information carefully. Insurance coverage outlined on this site will be available only in jurisdictions where permitted by law. Our Insurance services, products and information outlined on this website may not be available in all regions of Canada or to persons who are residents outside of Canada.
Privacy and Security
Complete privacy, confidentiality and security are not yet possible over the Internet. As a result, our Brokerage will not be responsible or liable for any harm or loss resulting from use, communication or transmission of any information to or from this website. Material is not to be copied from our website.
Use at Your own Risk and Information Accuracy
The contents and information of this website are given strictly for your convenience and we believe that it was accurate when it was placed on the Site. This information is subject to change and updated at any time without prior notice.
The information in this Site is not to be relied upon for any financial, legal or insurance purposes and is intended for information purposes only. We will not be held responsible for any detrimental reliance you place on this Site or its content. It is agreed that if you use of this website it shall be on an “as is” basis and entirely at your own risk.
No Liability Implied or Stated
Gwilliames & Associates Insurance Brokers Limited, it’s affiliated partners and associated companies, its officers, directors, agents, or employees, or any other person associated with this Site, shall not be liable or responsible for any harm, loss or damage (whether arising in contract, tort negligence, or otherwise) that may arise in any connection with use of this Site, including any indirect, direct, special, third party, or consequential damages.
Every Insurance Policy package has limits and exclusions. It is the responsibility of each individual and company to be knowledgeable and aware of the wordings and coverage’s for their Insurance Policy.
Hypertext Links Are Not Endorsements
Other websites that may be accessed from this website by hypertext links, are entirely independent of this website and SHALL NOT BE in any manner construed as any reflection on, or any affiliation with, or endorsement of such site, or entity, or its respective products or services.
We value your visit to our website. Should you have any questions about this site, these conditions, or products and services, please contact our office.
Use of Trademark and Logo Not Permitted
The display and use of trademarks in this website does not imply that a license of any kind has been granted.
Gwilliames & Associates Insurance Brokers Limited has trademarks, copyrighted logos and service marks, which are registered and unregistered, in Canada, and/or in other countries. All other service and product names are trademarks or registered trademarks of their respective owners.
Site For Personal Use Only
The contents of this Site are for your own personal use. No one has permission to copy, distribute disseminate, commercially exploit, republish, or otherwise communicate any part of such contents in any manner whatsoever without the prior written consent of our office.
All rights are reserved and © by Gwilliames & Associates Insurance Brokers Limited. This website is protected under the copyright laws of the Province of Ontario and of Canada, and other countries. Also note that certain information on this website may be copyrighted by others.