Insurance that's shopped for you, not sold to you.
Gem Insurance is an independent brokerage. We compare coverage from multiple Canadian insurers and explain it in plain language.
Car insurance for daily drivers, new drivers and busy households, with the coverage upgrades most people never hear about.
Insurance for your car, your home and your business.
Choose a service to learn what's covered, or jump straight to a quote. Every quote is compared across multiple insurers.
Personal
Personal auto insurance
Car insurance for daily drivers, new drivers and families, with the upgrades that matter after a claim.
Personal
Home insurance
Home, condo and tenant coverage for your building, belongings and liability, including water damage options.
Commercial
Business insurance
General liability, property and business interruption packages for shops, offices and trades.
Commercial
Restaurant insurance
Property, liability, liquor liability and food spoilage coverage for restaurants, bars and cafés.
Transportation
Trucking insurance
Auto liability, cargo and physical damage for carriers, owner-operators and growing fleets.
Transportation
Commercial auto insurance
Coverage for work trucks, delivery vans and contractor vehicles, from one pickup to a small fleet.
Transportation
Commercial vehicle insurance
For owner-operators and fleets with longer routes, US trips, mounted equipment and non-owned trailers.
Professional
Professional liability (E&O) insurance
Errors and omissions coverage for consultants, engineers, IT firms and other professionals.
Our brokers work for you, not the insurer.
We shop your coverage across several insurers so you don't have to call around.
We explain limits, deductibles and add-ons so you know exactly what you're paying for.
If something happens, we help you through the claim from the first call.
Covered in three steps.
No long forms and no pressure. Most people are done in one conversation.
Tell us what you need
Fill in a short quote form, or call or WhatsApp us with a few details.
We compare insurers
We review options from several insurers and shortlist the best fit for you.
Choose and you're covered
Pick your plan. We handle the paperwork and send your documents.
Know what your policy actually covers.
Pick a type of insurance to see the main coverages we review with every client.
Most drivers can raise their liability limit and accident benefits for a small difference in premium. We'll show you the numbers.
What our clients say.
Verified reviews from Google, updated automatically.
They found me better coverage on both cars and still lowered my monthly payment. Everything was done over WhatsApp in one afternoon.
As an owner-operator I needed cargo coverage fast for a new contract. Gem had options for me the same week.
First time buying a home and I had no idea what I needed. They explained every line of the policy without rushing me.
They reviewed our restaurant's policy and caught a gap in our liability coverage we didn't know about.
Helped us set up life insurance and an RESP for our son in one meeting. Clear, patient and honest.
Questions, answered.
Can't find what you're looking for? A broker can answer it in a few minutes.
A direct insurer can only offer its own policies. As a broker, we compare options from several insurers and recommend the one that fits your needs and budget.
In most cases, no. Brokers are usually paid a commission by the insurer, so you don't pay a separate fee for our advice.
Your driver's licence details, the vehicle's year, make and model, your driving and claims history, and your current policy if you have one.
Usually, yes. Some insurers charge a cancellation fee, so we'll check whether switching now or at renewal saves you more.
Yes. We arrange coverage for owner-operators and fleets, including liability, cargo and physical damage.
Talk to a broker today.
Request a free quote
Takes about a minute. A broker will contact you with your options.
Request sent
A broker will contact you shortly with your options.
See how much you could save.
Free, no-obligation quotes from a licensed broker who works for you.