705 Insurance

A Division of Ai Insurance Organization

Home & Auto | Commercial & Professional | Life

Insurance For The North

Welcome to 705 Insurance, a division of Ai Insurance Organization, your gateway to personalized insurance solutions in Ontario. Our commitment to excellence shines through as we offer a diverse array of insurance options to cater to your unique needs. Whether you're seeking comprehensive auto coverage, safeguarding your home, protecting your business, or planning for the future with life insurance, our dedicated team is here to guide you. Let us tailor a policy that provides the peace of mind you deserve.

Auto Insurance

Protect your vehicles with our comprehensive auto and ATV insurance plans, designed to provide peace of mind on and off the road. Enjoy tailored coverage options that suit your lifestyle and keep you safe while you explore.

Commercial Insurance

Protect your business with comprehensive commercial insurance, designed to safeguard your assets and mitigate risks. With tailored coverage options, you can focus on growth while we handle the unexpected.

Watercraft Insurance

705 Insurance protects your investment on the water with our comprehensive boat insurance. We offer tailored coverage options to safeguard against accidents, theft, and damage, ensuring you can enjoy your time on the water worry-free

House Insurance

Protect your home and cottage with comprehensive insurance coverage tailored to your needs. Enjoy peace of mind knowing that your cherished spaces are safeguarded against unexpected events.

Commercial Auto

Insurance

Protect your business on the road with our comprehensive commercial auto insurance. Tailored meet your unique needs, our coverage ensures peace of mind while you drive.

Life Insurance

Life insurance provides financial security for your loved ones in the event of your passing, ensuring they can maintain their lifestyle and cover essential expenses. It's a vital step in planning for the future and protecting what matters most to you.

Motorcycle Insurance

705 Insurance protects your ride with our comprehensive motorcycle insurance, designed to cover you in case of accidents, theft, or damage. Enjoy peace of mind knowing you're safeguarded on the open road.

Commercial Property Insurance

Commercial property insurance provides essential coverage to protect your business's physical assets, such as buildings and equipment, from unforeseen events like fire, theft, and natural disasters.

Group Benefits

Group benefits insurance provides comprehensive coverage options for employees, ensuring they receive essential health, wellness, and financial support.

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Our Team.

Stephanie-Lynn Gagne

R.I.B.O

Timmins - Ontario

Baldeep Singh

R.I.B.O / Commercial Lines

Oakville - Ontario

Bradley Farr

LLQP / Health Benefits

Sudbury - Ontario

Tom Putman

R.I.B.O / Commercial Lines

Sudbury - Ontario

Richard Kostianiuk

R.I.B.O / Commercial Lines

Sudbury - Ontario

Insurance For The North
Servicing:

Ajax Ontario
Alexandria Ontario
Almonte Ontario
Amherstburg Ontario
Angus Ontario
Arnprior Ontario
Atikokan Ontario
Aurora Ontario
Aylmer Ontario
Bancroft Ontario
Barrie Ontario
Beamsville Ontario
Belleville Ontario
Blenheim Ontario
Blind River Ontario
Bolton Ontario
Bowmanville Ontario
Bracebridge Ontario
Bradford Ontario
Brampton Ontario
Brantford Ontario
Brockville Ontario
Burlington Ontario
Caledon Ontario
Cambridge Ontario
Carleton Place Ontario
Casselman Ontario
Cayuga Ontario
Chatham Ontario
Chelmsford Ontario
Cobourg Ontario
Cochrane Ontario
Collingwood Ontario
Cornwall Ontario
Deep River Ontario
Delhi Ontario
Dryden Ontario
Dundas Ontario
Dunnville Ontario
Durham Ontario
Dutton Ontario
East Gwillimbury Ontario
East York Ontario
Elliot Lake Ontario

Elmira Ontario
Embrun Ontario
Englehart Ontario
Espanola Ontario
Essex Ontario
Exeter Ontario
Fergus Ontario
Fort Erie Ontario
Fort Frances Ontario
Gananoque Ontario
Georgina Ontario
Geraldton Ontario
Goderich Ontario
Gravenhurst Ontario
Greater Napanee Ontario
Grimsby Ontario
Guelph Ontario
Hagersville Ontario
Haliburton Ontario
Halton Hills Ontario
Hamilton Ontario
Hanover Ontario
Harriston Ontario
Hawkesbury Ontario
Hearst Ontario
Huntsville Ontario
Ignace Ontario
Ingersoll Ontario
Innisfil Ontario
Iroquois Falls Ontario
Kapuskasing Ontario
Kawartha Lakes Ontario
Kenora Ontario
King City Ontario
Kingston Ontario
Kitchener Ontario
Kirkland Lake Ontario
Lambton Shores Ontario
Lanark Ontario
Leamington Ontario
Lindsay Ontario
Listowel Ontario

Little Current Ontario
London Ontario
Longlac Ontario
Madoc Ontario
Markdale Ontario
Markham Ontario
Marathon Ontario
Mattawa Ontario
Meaford Ontario
Midland Ontario
Milton Ontario
Mississauga Ontario
Mitchell Ontario
Moosonee Ontario
Mount Forest Ontario
Napanee Ontario
New Liskeard Ontario
Newmarket Ontario
Niagara Falls Ontario
Niagara-on-the-Lake Ontario
Norfolk County Ontario
North Bay Ontario
North Perth Ontario
Oakville Ontario
Orangeville Ontario
Orillia Ontario
Oshawa Ontario
Ottawa Ontario
Owen Sound Ontario
Parry Sound Ontario
Pembroke Ontario
Penetanguishene Ontario
Perth Ontario
Petawawa Ontario
Peterborough Ontario
Pickering Ontario
Port Colborne Ontario
Port Hope Ontario
Prescott Ontario
Renfrew Ontario
Richmond Hill Ontario
Rockland Ontario
Ridgetown Ontario
Sarnia Ontario

Sault Ste. Marie Ontario
Schreiber Ontario
Seaforth Ontario
Shelburne Ontario
Simcoe Ontario
Sioux Lookout Ontario
Smiths Falls Ontario
Smooth Rock Falls Ontario
South Bruce Peninsula Ontario
South River Ontario
St. Catharines Ontario
St. Marys Ontario
St. Thomas Ontario
Stayner Ontario
Stirling Ontario
Stratford Ontario
Strathroy Ontario
Sudbury Ontario
Tavistock Ontario
Tecumseh Ontario
Temiskaming Shores Ontario
Terrace Bay Ontario
Thessalon Ontario
Thorold Ontario
Thunder Bay Ontario
Tillsonburg Ontario
Timmins Ontario
Toronto Ontario
Trenton Ontario
Tweed Ontario
Uxbridge Ontario
Vaughan Ontario
Wallaceburg Ontario
Wawa Ontario
Waterloo Ontario
Welland Ontario
West Nipissing Ontario
Whitby Ontario
Whitchurch-Stouffville Ontario
Wiarton Ontario
Windsor Ontario
Woodbridge Ontario
Woodstock Ontario
Zorra Ontario

Do you offer insurance for small businesses?

Yes, we provide tailored insurance solutions for small businesses, including general liability, property coverage, and business interruption insurance.
Do you offer commercial insurance for small businesses

Yes, we specialize in insurance for small businesses, including liability, property, and other essential coverages.
Can you insure healthcare providers, such as clinics or medical offices?

Yes, we offer tailored insurance for healthcare providers, including medical malpractice, property damage, and liability coverage.
Do you provide insurance for contractors and construction businesses?

Absolutely. We offer contractor insurance, including liability, equipment coverage, and workers' compensation for construction businesses, ensuring protection on the job site.
Are there any discounts available for high-risk drivers?

While discounts may be limited for high-risk drivers, we do offer savings for things like bundling policies, vehicle safety features, and completing defensive driving courses.
How is pricing determined for high-risk auto insurance?

Pricing is based on factors like your driving record, claims history, vehicle type, and coverage options. High-risk drivers typically face higher premiums.
Can my child drive my car?

Yes, your child can drive your car as long as they are properly licensed. However, if they live with you or drive your car regularly, it's important to list them on your insurance policy to ensure they are fully covered in case of an accident.
Can you help me get a quote for home and auto insurance?

Absolutely, we offer bundled home and auto insurance quotes to save you time and money.
Can I reduce my premiums as a high-risk driver?

Yes, taking defensive driving courses, improving your driving habits, and maintaining a clean record over time can help reduce premiums.
Do you provide auto insurance for high-risk drivers?

Yes, we offer coverage for high-risk drivers, including those with a history of accidents, tickets, or driving violations.
Can you insure professional services like accounting or law firms?

Yes, we provide coverage for professional service businesses, including professional liability (errors and omissions), property insurance, and general liability.
Is flood or earthquake damage covered by home insurance?

Standard home insurance policies usually do not cover flood or earthquake damage. You may need to purchase separate policies or endorsements for these types of coverage.
What does a standard home insurance policy cover?

A standard home insurance policy typically covers the structure of your home, personal belongings, liability protection, and additional living expenses if you're unable to live in your home due to a covered loss.
Can I make changes to my policy after purchasing it?

Yes, you can adjust your coverage or add endorsements to your policy at any time by contacting us. We’ll review your needs and update your policy accordingly.
How is the premium for home insurance determined?

Home insurance premiums are based on factors such as the home's location, age, condition, construction materials, coverage amount, and claims history.
Do you offer discounts on home insurance?

Yes, we offer discounts for things like bundling home and auto insurance, installing security systems, and maintaining a claims-free history.
Do you offer discounts on motorcycle insurance?

Yes, we offer discounts for bundling with other insurance policies, completing motorcycle safety courses, having a clean driving record, and installing anti-theft devices.
What factors determine the cost of motorcycle insurance?

The cost is influenced by factors such as the type of motorcycle, your age, driving history, location, and the coverage options you select.
Do you insure motorcycles?

Yes, we offer comprehensive motorcycle insurance to protect you on the road.
Do I need motorcycle insurance year-round?

Yes, it's recommended. Even if you store your bike in the winter, most of the premium is allocated to summer months when risks are higher. Keeping year-round coverage also protects against theft or damage while in storage. Canceling could increase costs later.
Do you insure apartment buildings?

Yes, we provide coverage for apartment buildings, ensuring your rental property is well-protected.
Do you offer insurance for short-term rentals properties? (Airbnb)

Yes, we offer insurance specifically designed for Airbnb and other vacation rental properties. This coverage protects against risks unique to short-term rentals, including guest-related damages and liability.
Do you offer insurance for rent-to-own properties?

Yes, we offer insurance for rent-to-own properties, covering both the landlord’s and tenant’s interests throughout the rental and ownership transition period. Contact us to learn more about the coverage options available for these unique situations.
Do you offer insurance for rental properties?

Yes, we provide insurance specifically designed for landlords to protect rental properties, including single-family homes, duplexes, and apartment buildings.

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