Personal Insurance.

You carefully choose your personal vehicle and your home. You should also carefully choose the right insurance coverage to protect your investments and our brokers can help you do just that.

From the standard coverages to the customized options, we can assess your lifestyle and guide you towards the best possible option for your insurance needs.

Personal Insurance will cover both property and automobile insurance.

  • Homeowners Insurance
  • Tenant Insurance
  • Condominium Insurance
  • Cottage or Seasonal Insurance
  • High Value Homes
  • Builder’s Risks
  • High Risk Homeowners
  • Car Insurance
  • Minivan Insurance
  • SUV Insurance
  • Pick-up Truck Insurance
  • Motorcycle Insurance
  • High Risk Drivers

Commercial Insurance.

Running a business is both rewarding and demanding. A commercial insurance plan designed for your unique enterprise is the best way to reduce and prevent losses and lawsuits that could jeopardize your business. Having peace of mind knowing your assets are well protected allows you to focus on the success of your business.

Your insurance broker at Théorêt & Martel will help you assess and find the specialized coverage for your business insurance needs.

Commercial insurance will cover the following and much more. 

  • General liability, liquor liability, special events
  • Errors and omissions protection
  • Directors and officers coverage
  • Commercial auto insurance and vehicle fleets
  • Property coverage
  • Equipment breakdown
  • Revenue replacement
  • Bond and surety
  • Automotive – gas bar, garage, repair shop
  • Construction and contractors – large-scale projects, civil works, residential, industrial or institutional construction
  • Hospitality and lodging – restaurant, motel, bed & breakfast, resort, spa
  • Manufacturing and wholesaling
  • Professional and business services –  consultant, accountant, hair salon
  • Realty – rental properties
  • Retail – boutique, convenience store, gift shop, electronics, hardware store

Farm Insurance.

Farming is both a way of life and a business. There are many insurance options to protect your livelihood and your lifestyle. It is as varied as the types and sizes of agricultural operations.

Your insurance broker at Théorêt & Martel will help you assess and find the specialized coverage for your farm. We can build custom insurance packages tailored tp your farm.

  • Dairy farm insurance
  • Poultry farm insurance
  • Equine farm insurance
  • Pig farm insurance
  • Cash crop farm insurance
  • Fruits and / or Vegetables farm insurance
  • Farm Home or Dwelling
  • Farm machinery
  • Farm liability
  • Farm buildings
  • Farm equipment 
  • Loss of income

Leisure Insurance.

Explore and enjoy our four Canadian seasons knowing your grown-up toys are protected.

  • Snowmobile
  • All-Terrain vehicle (ATV)
  • Recreation Vehicle (RV)
  • Vacation Trailer and or cabin trailer
  • Boats & Watercrafts-In-Board / Out-Board, Sail boat, SeaDoo, Pontoon, Bass boat, antique boat etc.
  • Liability
  • Physical Damage to the insured risk
  • Physical Damage to property
  • Personal injuries 

Professional Liability Insurance.

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The CRSHP offers its registrants

A professional liability policy to protect yourself against a claim made against you. You must be a member in good standing to subscribe to this insurance program.

  • Professional Liability:
    Each claim $5,000,000
    Aggregate amount $5,000,000

  • Commercial General Liability:
    Each Claim $5,000,000
    Aggregate amount $5,000,000

  • Legal Defense Costs for criminal proceedings $250,000
    Each claim $250,000

For more information regarding this insurance program, please contact Adriane Macleod, adriane@theoretmartel.ca or by phone 1-877-678-2306.

The CAMFT offers its registrants

A professional liability policy to protect yourself against a claim made against you. You must be a member in good standing to subscribe to this insurance program.

There are 3 program options available.

Option 1

  • Professional Liability:
    Each claim $1,000,000
    Aggregate amount $5,000,000
  • Commercial General Liability:
    Each Claim $5,000,000
    Aggregate amount $5,000,000
  • Legal Defense Costs:
    Each claim $30,000

Option 2

  • Professional Liability:
    Each claim $2,000,000
    Aggregate amount $5,000,000
  • Commercial General Liability:
    Each Claim $5,000,000
    Aggregate amount $5,000,000
  • Legal Defense Costs:
    Each claim $30,000

Option 3

  • Professional Liability:
    Each claim $5,000,000
    Aggregate amount $5,000,000
  • Commercial General Liability:
    Each Claim $5,000,000
    Aggregate amount $5,000,000

  • Legal Defense Costs:
    Each claim $30,000

For more information regarding this insurance program, please contact Lindsay Paquette, lindsay@theoretmartel.ca or by phone 1-877-678-2306.

Special Event Insurance.

Are you organizing a special event such as a family reunion, a wedding reception, a sports tournament or a talent show?

Are you planning on hosting a vendor at a kiosk booth during a community event?

This insurance will provide personal liability in a case where you would be sued by a third party and more and much more.

  • Weddings
  • Sports Events
  • Booth or Kiosk Insurance
  • Fundraisers
  • Work parties
  • Family Reunion
  • Liability
  • Physical Damage to property
  • Personal injuries
  • Damage to contents 

Financial Services.

Strategy, objectives and careful planning will contribute to your financial security. Our financial services expert will tailor an investment solution based on your needs, your attitude and your risk tolerance.

Your insurance broker at Théorêt & Martel will help you find the right insurance for your current life situation to provide financial security for the people you love most.

For more information regarding our financial services, please contact Charles by email charles@theoretmartel.ca or by phone at 613-632-7666.

  • Canadian and US dollar investment savings account
  • Business savings account (US or Canadian)
  • Mutual funds
  • Segregated funds
  • Guaranteed Investment Certificates (GIC’s)
  • Life Insurance
  • Registered Retirement Savings Plan (RRSP) and Group RRSP’s
  • Retirement Income Funds (RIF)
  • Locked-in Retirement Account (LIRA)
  • Registered Education Savings Plan (RESP)
  • Annuities
  • Employee group health benefits
  • Key-person insurance
  • Buy-Sell insurance
  • Deferred Profit Sharing Plans & Employee Pensions Plans

Life Insurance.

The only constant in life is change. Are you buying your first house, starting a family, getting kids through college or preparing for retirement? Your life insurance needs will change as your life situation evolves.

Your insurance broker at Théorêt & Martel will help you find the right insurance for your current life situation to provide financial security for the people you love most.

For more information regarding our financial services, please contact Charles by email charles@theoretmartel.ca or by phone at 613-632-7666.

  • Life insurance
  • Mortgage insurance
  • Health and dental insurance
  • Critical illness insurance
  • Disability insurance
  • Long-term care insurance