Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
advisor@assurena.com admin@assurena.com
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

Monday
9.00 - 5.00
Tuesday
8.00 - 5.00
Wednesday
8.00 - 5.00
Thursday
8.00 - 5.00
Friday
8.00 - 4.00
Satureday
Closed
Sunday
Closed
Other Types of Insurance

Insure today, secure tomorrow.

TYPES OF INSURANCE
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Other Types of Insurance

TYPES OF INSURANCE
Call us to get a Quote 24/7

a) Home Insurance

What is Home Insurance ?

A home insurance is a property insurance policy to help you cover your own home or rented apartment, and your personal belongings within, from unforeseen circumstances such as burglaries, fires, floods, storms and explosions.

Buying a house is one of the most vital investments people spend all their life working towards. Yet, there are so many people who forget to secure and protect for this very important investment in their life. From your cutting-edge gadgets and beautiful interiors to your jewelry and other valuable belongings; your home is more than just its mere physical property and is a lot more valuable than you imagine it to be.

That’s why, one of the most essential things you could do for the wellbeing and safety of your home is at least get a home insurance that would allow you to stay secured and covered for in the case of uncertain and unfortunate circumstances such as burglaries, floods, fires, and earthquakes amongst other likely, but unforeseen circumstances.

Why do I need Home insurance?

a) Naturally, protecting your home from potential damage or losses is the main benefit of purchasing a home insurance coverage. Your house insurance coverage will cover the costs if, for example, a tree fell on your roof or someone drove into your boundary wall by mistake.

b) First off, if you're taking out a loan to buy or build a house, your lending company or bank will need you to show documentation that the property is properly insured.

c) If a third party is hurt while on your property, a house insurance coverage will shield you from any potential legal liability or third-party liability.

d) The insurance policy helps to decrease the financial load in the event that the house is damaged or destroyed in addition to safeguarding the house itself. If everything goes well, you won't have to pay anything because the insurance will pay for the repairs.

e) The majority of the time, a home insurance policy will also cover your home's contents, including furniture, furnishings, jewels occasionally, and appliances (such as refrigerators, televisions, computers, air conditioners, microwaves, etc.).

f) Say a fire starts while you're gone on vacation. When you return, you discover that your property is no longer livable, and you must make arrangements for alternate temporary housing.

g) The costs of finding alternate housing while your home is being restored will probably be covered if you have home insurance.

h) Home insurance coverage also protect you from any loss or damage that may result from theft or robbery.

i) In addition to the aforementioned benefits, having home insurance gives you piece of mind, which is priceless. You may be sure that your insurance coverage will protect you from any financial losses if damage or destruction were to occur suddenly.

What Is Covered Under Home Insurance Plan?

Fire: Fires are dreadful and can lead to plenty of damage and losses to both your home and your belongings. Our home insurance policy will be there for you in such unfortunate situations!

Explosion & Aircraft Damage: Damages and losses caused by explosions or even aircraft damage will be covered in our house insurance.

Storms: Covers your house and your belongings from dire storms that could lead to potential damages and losses.

Floods: Protects your house from losses and damages when the rains are out of control, leading to floods that impact your home and your belongings

Burglaries: Unfortunately, burglaries are so common in India, especially in residential premises! However, your house insurance will help protect both your home and its contents from any losses that occur due to the same

Earthquakes: Nobody can avoid nature’s furies but, what you can do is ensure you’re covered for any potential losses that could come your way due to the same. A house insurance also covers for damages and losses that occur due to earthquakes.

b) Cancer Insurance

One of the deadliest diseases in existence today is cancer. In addition to being one of the most expensive to treat, it is also one for which you are least prepared. Anyone can experience it at any time.In India, there are more than 11 lakh cancer patients recorded annually. The price of the treatment keeps going up.For instance, the cost of cancer medications has increased from 8,000 to 1.08 lakh in the past ten years.You will undoubtedly recall a friend or relative who has suffered from this sad ailment if you take a moment. People may fight cancer today thanks to modern medicine, but the costs of treatment and recovery can put a significant financial pressure on your family.
Cancer cover
You require a plan that provides a lump sum payout upon detection in order to cover these expenses (without any medical bills). Your medical expenses may be covered by this cash payment, which also guarantees that you will never run out of money. This money can be used for whatever type of therapy you choose, whether it is locally or overseas, with the doctor and hospital of your choosing. All of this for incredibly low premiums
Cancer cover
Why do I need additional cancer insurance cover?
You may want to think about purchasing a cancer insurance policy, if:

Cancer Runs in the Family : If cancer of any kind runs in your family, you have the risk of contracting it as well. In this situation, getting a cancer insurance coverage can help you be ready.

Increasing expense of cancer care : Critical illnesses like cancer are becoming increasingly expensive to treat. These two expenses, together with the ongoing care patients need after treatment, can quickly empty your finances. Investing in cancer insurance might be a cost- effective strategy to protect your savings.

Your savings or financial reserves are insufficient : If you don't have enough savings, getting cancer insurance may be very crucial. Without adequate financial support, a serious disease like cancer can lead to extreme financial strain that is difficult to manage.

The coverage provided by your standard health insurance policy is insufficient : You can get an additional cancer insurance plan for better financial security if your usual health insurance plan does not give a critical disease cover or if it offers a low sum assured.

You are the sole member who makes money: : Cancer insurance is often essential for families with the only earners. Cancer can make it difficult for you to work. In this situation, the insurance money can assist your loved ones in paying for your care.

c) Shop Insurance

What is Shop Insurance?
A shop insurance policy is the kind of insurance that offers financial assistance to a store owner in the event of theft, a man-made disaster, a natural catastrophe, etc. It is a binding legal agreement between the insurer and the policyholder that requires the insurer to reimburse the policyholder for any loss or damage caused by an incident.
Why is Shop Insurance Required?
Small- to medium-sized store owners focus on daily earnings, which implies they do not have a large margin of error. As a result, they could find it challenging to manage incidents involving theft, fire, etc. at their store or its contents. A shop insurance policy was introduced as a result to protect a shop owner against numerous hazards relating to the store and its contents. An insurance coverage for shopkeepers protects small- to medium-sized shopkeepers from any dangers they might encounter. It safeguards the store owner’s assets and commercial interests. Additionally, it provides coverage for a typical fire & special perils policy, which covers any building losses due to seismic risk. In the event of an accident in the insured’s store or any other related incident, shop insurance plans offer protection against financial disaster to the insured.
Who Needs a Shopkeepers Insurance Policy?
Many people are unsure of whether they require merchants’ insurance to safeguard their business. Here is a list of the many categories of persons who are required to purchase shop insurance coverage to help you understand: Independent shopkeepers should insure their business under shop insurance plans if it serves as their main source of revenue. This is due to the fact that any unanticipated loss or damage to the shop will immediately influence their ability to make a living, therefore they must always be ready for the worst-case scenario.

Family : owned businesses You should obtain a shopkeeper's insurance coverage if you manage or operate a store that is owned by you or your family and sells goods like apparel, footwear, furniture, stationery, etc.

Business Owners with Stores in High-Traffic Areas : If you have a store in one of the city's busiest markets or prime locations, you need insurance to safeguard your business. This is significant since high-end places are riskier than other areas.

High-Risk Businesses : Some stores or companies are more vulnerable to risks or dangers. A CNG fuel station, for instance, is more prone to fire than a stationery store. Similar to how a shoe store is less likely to be robbed than an electronics store. Therefore, having a shopkeeper insurance plan is essential for those who manage high-risk enterprises in order to be protected in case of emergency

Owners of numerous stores : Shop insurance plans are available for both single-store and multi-store owners. The likelihood of experiencing an emergency rises as there are more stores. So, business owners of many stores should be sure to get a coverage for each of their stores.

Key Features & Benefits of Shop Insurance
The major benefits that one gets with a shop insurance policy are:

Property Protection : Shop insurance provides coverage for any loss or damage to the insured property resulting from riots, earthquakes, explosions, natural disasters, and fire. Along with the store, it also includes the items. Additionally, damage brought on by break-ins and burglaries is also covered. Equipment breakdowns including mechanical, electrical, and electronic components are also covered

Liability Coverage : Some insurance included in this plan may provide coverage for legal obligations to third parties. Third-party property damage and personal injuries are also covered. Some Shop insurance plans also include provisions for worker compensation in accordance with Act 1923 and the Fatal Accident Act 1855.

Money Protection : The ability to protect one's money is yet another significant benefit of having shop insurance. The insured shopkeeper can have peace of mind if the insured's money is lost during transportation from the shop's premises to the bank or vice versa due to robbery, theft, or another unanticipated incident. This is so because the policy covers both money kept in a safe and money kept on the counter.

Cost-Effective Plans : The majority of Shop insurance plans are economical and offer thorough protection at a reasonable charge.

Accident cover

d) Personal Accident Insurance

The insured members of a personal accident insurance policy are completely financially protected from unforeseen events like accidental death, bodily injuries, partial or total disability, permanent as well as temporary disabilities brought on by an accident. If the policyho lder dies accidentally, the nominee will get a full payout from the insurance company. The loss of eyes, limbs, or speech are only a few examples of the additional compensations that are provided for unintentional impairment. With personal accident insurance, you may protect yourself against accidental death and disability.
Accident cover
What are the Benefits of Personal Accident Insurance?

Accidental Death Cover : For the family members who are financially and emotionally dependent, an accident can be devastating. The nominee named in the policy document receives the whole sum promised in the event of fatal injuries.

Permanent/Total Disability Cover : A defined sum insured amount is paid to the policyholder if an accident results in permanent impairments or lifelong total impairment, such as loss of both limbs.

Permanent Partial Disability Cover : If physical harm results in a permanent partial disability, the insured receives a portion (up to 100%) of the benefit.

Temporary Total Disability : If the insured suffers from temporary total disability and becomes bedridden, the insurer will pay a weekly allowance to make up for the income that was lost. If there is a loss of income, the insured may also use this claim amount to pay the EMIs.

Additional Benefits
There are numerous additional benefits that come with a personal accident insurance coverage in addition to the four main ones. These advantages may be included in the standard plan by some insurers, or you may purchase them as an add-on cover by paying an additional premium:

Hospital Daily Financial : In the event of an unintentional hospitalization, the covered person is given a daily cash allowance. Coverage is only available for a specific number of days (as specified in the policy terms and conditions).

Ambulance Expenses : Payment is made for the cost of an ambulance to take the covered person to the hospital after an accident.

Transportation or Repatriation of Mortal Remains : In the event of the policyholder's untimely passing, the nominee would be reimbursed for costs associated with the repatriation and transportation of the policyholder's mortal remains from the scene of the accident to a hospital, residence, or crematory. Additionally, reimbursement is given for the costs related to the religious rites associated with cremation.

Broken Bones : The coverage provides for a predetermined payment in the event that a bone is broken or otherwise damaged.

Burns : Accidental burn injuries are also covered by compensation

Family Transportation Allowance : This benefit is available when the insured's home is far from the hospital. In such cases, the actual transportation costs incurred by the insured person's close family members are also reimbursed. The sum mentioned in the policy will be deducted from the total refund due

Education Advantage : Up to a certain amount is covered in the event of the policyholder's untimely death for the dependent child's educational expenses

Loan Protector : A lump sum payment (defined in the policy schedule) is made in the event of an untimely death or permanent disability.

Adaptation Allowance, commonly referred to as the Home Alteration and Vehicle Modification Benefit, may be provided by some insurance. If a tragic occurrence results in total or permanent disability or dismemberment, the cost of modifying one's home or vehicle is also covered.

e) Group Health Insurance

What is Group Health Insurance?
Employees of an organisation are provided with group health insurance coverage, which can be expanded to include their families. The policy provides reimbursement for any medical costs the insured incurs while hospitalized as well as for any illness or injury sustained in India. Pre- and post- hospitalization medical expenses are covered for ages 91 days and older for up to 30 days and 60 days, respectively.
What is covered in Group Health Insurance?

Pre & post hospitalization

Pre-existing disease

Maternity expenses

Baby day one

Pre-post-natal expense

In-patient department expenses

Ambulance charges

Day care expenses

Advantages of Group health insurance
The policy covers benefits for the employee and their family

No physical health checkup

Covers people regardless of their age

Customized health care

Boosts employee morale

Affordable than buying an individual health insurance policy

Family is covered in the given sum insured

f) Workmen’s Compensation Insurance

What is Workmen’s Compensation?
Employers’ legal obligations under the Workmen’s Compensation Act of 1923 and the Fatal Accident Act of 1855 are covered by the Workmen’s Compensation Insurance policy. Accidents at your place of employment are unavoidable, despite the safety precautions and preventative steps adopted. The Workmen’s Compensation policy allows the employer to compensate employees or members of their families in the event of a worker’s death or bodily injury (including certain occupational diseases) resulting from an injury or accident at work (including permanent partial disability, permanent total disability, or temporary disability). This policy offers protection against terrorism, occupational sickness, compressed air disease, and medical expenses.
Workers insurance
Who should buy Workmen’s Compensation Insurance?
Every manufacturing, commerce, and service establishment has a policy that applies to both office staff and floor employees. This policy benefits the majority of contractors and subcontractors. Any person, public or private company, partnership firm, or other business or trading body operating in the nation may adopt a policy. The Workmen’s Compensation policy offers payment for monetary damages to Employees or their dependents in the event of an employee accident or injury at work (including certain occupational diseases) that results in disability or death.
Benefits of Workmen’s Compensation Policy
Accidental death, permanent total or partial disability, and temporary total disability are the basic coverages. Medical Extension, Compressed Air Disease, Occupational Disease, Terrorism, and Sub Contractor Coverage are examples of add-on insurance. Added advantages include:

Terrorism Coverage

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Comprehensive and flexible

Swift response and efficient service in handling claims

g) Marine Insurance

What is Marine Insurance?
A type of insurance called marine insurance protects against the loss or damage of cargo or items while they are being transported from their points of origin to their final destination. All forms of transportation, such as road, rail, air, sea, couriers, and postal service, are covered by marine insurance policies. For the most part, marine cargo insurance covers transportation losses brought on by fire, explosion, hijacking, accidents, collisions, and overturning. In order to cover the risk of theft, malicious damage, shortages and non-delivery of goods, damages during loading and unloading, and improper handling of goods/cargo, we provide carefully curated plans. The coverage can be chosen by the insured based on their particular business needs. If you are trading in or producing a variety of cargo or goods, the policy is offered
Who needs Marine Insurance?
This policy is necessary for both corporations and individuals. Business shipments are typically expensive, and any damage can have a negative effect on the bottom line. Relocation is one of the most stressful life events for an individual, whether it is due to a career shift or a marriage. Whatever the purpose for carrying your goods, our coverage safeguards them against physical harm.
Why should you buy Marine Insurance?
Your products have great value to you as a businessperson. It’s how you make money. Securing your own future and business entails insuring your items against any unfortunate catastrophe that may occur while they are being carried. You probably have a lot of concerns already if you’re an individual moving for either personal or business reasons. You meticulously collected each object as you advanced in life, and they undoubtedly all have memories associated with them. You may rest easy about this one thing at least knowing that all of your belongings are secure.
What is covered in Marine Insurance?
This policy covers all forms of transportation, including air, water, train, and road. Additionally insured are any goods being sent by courier. From the point of origin to the point of destination, your products will be safeguarded from vehicle collision, overturning, derailment, or accidents. By selecting the right coverage as per one’s needs, this coverage can also be extended to loss or destruction of commodities due to theft, strike, rioting, terrorism, and other hostile human acts.
House insurance
h) Fire Insurance
What is Fire Insurance?
Your property is protected against fire-related losses and damage by fire insurance. This insurance covers any loss from theft, fire, and other risks for the tangible assets and equipment of the business or residence. It aids in defraying the expense of replacing, repairing, or rebuilding the property. A loss from unforeseen circumstances that result in physical loss, damage, or destruction of buildings and structures, plant and machinery, stock, and other assets related to your business is covered by fire insurance. This legislation applies to all micro-level businesses, including motels, eateries, offices, and others.
House insurance
Who needs Fire Insurance?

An organisation/firm/institution/individual who wishes to save their business from an unforeseen event in case of fire

Shopkeepers, retailers or warehouse/storage keepers

Anyone with household contents like furniture, valuable contents and so on

Banks, financial, research, educational institutes, and so on

Manufacturing and non-manufacturing firms

What is covered in Fire Insurance?

Fire, including those induced by spontaneous combustion, natural heating, or self-fermentation. Explosion or Implosion: This coverage covers losses brought on by explosion and implosion. When the pressure inside a vessel equals or exceeds the air pressure outside, it may erupt. In contrast, an implosion happens when the internal pressure exceeds the external pressure.

Lightning - The fire insurance policy will cover any damage to the property, including lightning- related damage.

A volcanic eruption, an earthquake, or another natural disaster

Storms, cyclones, typhoons, tempests, hurricanes, tornadoes, tsunamis, floods, and inundations are all covered by fire insurance.

Acts of terrorism are defined as any act or sequence of acts that involve the use of force, violence, or threats of such Behaviour

Water tanks, equipment, and pipes bursting or overflowing: This insurance also covers loss and damage brought on by water to a property as a result of water tanks, equipment, or pipes bursting or overflowing.

Leakage from automatic sprinkler installations

Theft that occurs within 7 (seven) days of any of the above-mentioned Insured Events and is directly related to them.

Do check out our other pages giving more information on Health InsuranceLife InsuranceTravel Insurance, and Mutual Funds.

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    10.Can I get a discount for winter tires??

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