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

Bradley Farr

LLQP / Health Benefits

Tom Putman

R.I.B.O / Commercial Lines

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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