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Industry Experience

We have been providing independent counsel to entrepreneurs and families for over 100 years!  We understand the questions to ask to provide you the coverage that protects the property and property that matter most to you.

Registered Brokers

Qualified, professional and regulated by the Registered Insurance Brokers of Ontario.  As a broker, we are held to a higher ethical  and professional standard than an insurance agent or employee of an insurance call center.  Fair, impartial and independent advise every single time.


We’re the most award winning insurance broker in St. Thomas & London region. & We refuse to stop working towards excellence and earning industry appreciation.


Convenience, simplicity and choice is what we offer. We appreciate a sense of urgency and we tailor our service options to best meet your preference.  

24/7 Help

Reach out to us anytime, anywhere via our web based portal and mobile app. Available to answer your questions 24*7.

Save Money

We can’t promise to save you money, because what we do we do right!  What we can promise is insurance that meets your needs and expectations and that is affordable today and flexible to meet your future.

Safe & Secure

Your business and personal information is protected from unauthorized access, data theft or any unethical activity.  We do not sell, trade or share any of your vital details.  Confidentiality is part of the foundation upon which we have build our family business over the past 100 years.

Customer Reviews

We value our clients.  We strive to provide an exceptional experience each and every time.  We appreciate client feedback.  Check out our customer reviews, they are testament to our dedication and passion to serve.      

Frequently asked questions

Which company can provide me with the best commercial insurance rates in Ontario?

The industry recommends many big names—Allstate, Aviva, Belairdirect and the Canadian Auto Association (CAA)— that can provide you with some great choices.

At Reith & Associates, our loyalty lies with the clients and not a specific insurance brand. We listen to our client’s needs before suggesting any policy product. We as insurance brokers are bound by the Registered Insurance Brokers Act and are committed to providing honest and impartial advice only.

How much does commercial insurance cost in Ontario?

The actual cost depends on a number of factors such as.

  • The types of insurance coverage
  • The past record of commercial insurance policy claims
  • If you have any existing commercial policy
  • Your eligibility for any discount offers

After an initial discussion, our insurance broker will conduct a business risk assessment and provide you with the best quote. It is up to the client to weigh different options and make an informed decision for the business.

What are the commonly purchased commercial insurance types in Ontario?

Most businesses prefer insurance covers that protect their company from general risks.

It brings us to three types, namely

  • property insurance that covers damages to your business property;
  • liability insurance covers damages to third parties; and
  • workers’ compensation insurance that covers on-the-job injuries to your employees.

As business needs are changing faster than we can think of, there are many new and enhanced insurance types on the market. Speak to your insurance broker to find out the right commercial insurance policy for your business.

Is it mandatory to buy commercial insurance in Ontario?

No business is legally bonded to buy commercial liability insurance in Ontario. However, it is in the best interest of the business to protect its property, employees, and services against unforeseen turn of events.  Also, some states make it mandatory for car drivers to furnish commercial auto insurance if the vehicle is used for business purposes. In situations like these, you are obligated to protect your business with the best commercial insurance policy in Ontario.

Is there any insurance for business equipment or machines?

Yes. There is a Machinery Breakdown Insurance that is intended for commonly used business and industry equipment like

  • Electrical
  • Mechanical
  • Computers and communication
  • HVACs
  • Boilers and pressure equipment

It covers the damages caused by the unexpected breakdown of machines like loss of income, repair/replacement cost, poor inventory, and cost incurred due to non-functional machines.

Talk to your insurance broker and confirm if your equipment is covered in this type of insurance.

Every Question Is Answered—Ask 24*7 Support

If your question is not listed here, we are happy to answer over a phone call. Give us a call at (519) 631-3862, Monday–Friday, 8:30 am – 4:30 pm or by appointment after the office hours time.