Insurance Vendors Insurance is a significant financial investment so it's worthwhile to learn about your buying options. You can buy insurance from a broker, agent or direct writer. What's a Broker, Agent and Direct Writer?You can buy insurance from:A broker who works with a number of insurance companies An agent who sells insurance for one companyA direct writer, an insurance company that sells directly to the consumer through its call centre and/or websiteHow to Find an Insurance RepresentativeYou may want to ask trusted relatives, friends or business associates if they can recommend an agent or broker. For a broker, you can also contact your provincial insurance brokers' association or the Insurance Brokers Association of Canada. To find a broker who sells insurance for a particular company, contact the insurance company or visit its website. Looking for a direct writer? Contact the Canadian Association of Direct Response Insurers or call 416-773-0101 for a list of their members.How to Choose an Agent or BrokerYour agent or broker should be:Willing to take the time to understand your insurance needs and recommend appropriate policy optionsAble to explain your policy and coverage in clear, precise languageLicensed in your provinceLicensing of Brokers and AgentsTo verify that an agent or broker is licensed to sell insurance in your province, contact the appropriate licensing body in your province. See the links below:British ColumbiaAlbertaSaskatchewanManitobaOntarioQuebecNew BrunswickNova ScotiaPrince Edward IslandNewfoundland and Labrador Related ServicesSeller ScamsPay attention to the details of your insurance contract. Scammers sometimes slightly alter the name of a legitimate company. Rights and ResponsibilitiesInsurance companies, brokers and agents are committed to safeguarding your rights when you shop for insurance and submit a claim following a loss.Licensing of InsurersSimilar to other professions, insurance representatives – including direct writers, brokers and agents – as well as insurance companies, are subject to government regulation. Useful LinksAuto InsuranceRequired by law across Canada, auto insurance covers the owner/driver, passengers, pedestrians and property affected by a vehicle collision.Buying Home InsuranceAs a homeowner, you need to insure your house for replacement costs so that in the event of serious damage or destruction you have adequate coverage. Be sure to keep your home insurance current by reporting material changes or upgrades.Business Insurance CoverageInsurance protects you from losses that may pose a significant threat to your business operations. A major loss to one organization may be a trivial loss to another. When selecting coverage, deductibles and policy limits, there are many factors to consider.