When looking for auto insurance, working with your
SMI Broker allows you to have the confidence that you are getting the coverage that you need. Our brokers advocate on your behalf. Stewart Morrison Insurance works with leading insurance companies including Intact, AVIVA, Wawanesa, Travelers, and The Commonwell Mutual Insurance Group.


At Stewart Morrison Insurance, you are like family. Our award-winning brokerage has 
over 59 years of experience building relationships, advocating for our clients, and supporting our community. We are here for you 24/7.

Experience the SMI Difference!

Looking for a specific type of Auto Insurance? Our team of dedicated
SMI Brokers are always here to assist you. We are just a click or phone call away.



Car insurance is mandatory in Ontario. When you are injured in a car accident in Ontario, unless it is catastrophic, you must rely on your own Accident Benefits included in your insurance policy for income replacement, rehab, child care if needed, and many other important costs associated with that accident. The use of your vehicle and annual mileage can affect your premium. We can even ensure ridesharing. This is why it is important to have an SMI Broker give you the proper advice for this necessary complicated coverage. 

There are also significant savings in bundling your home and auto. 

Ask about:
  • Liability Limits
  • Increased Accident Benefits
  • Collision
  • Comprehensive
  • Flexible Usage
  • Waiver of Depreciation
  • Discounts Available



Vehicles used in conjunction with your business have a special rating. Garage operations, Fleets, or individual commercial use vehicles, can qualify for many discounts. Your SMI Commercial Broker will review your business needs and coverages annually,  provide certificates of insurance as needed and you have the option for electronic delivery of all documents including pink slips. 

An SMI Commercial Broker will explain the available coverage  including Liability, Accident Benefits, and other optional coverages to protect you from:
  • Loss of Use
  • Fire
  • Theft
  • Windshield Damage 
  • Collision



We specialize in insuring garages, large or small. Your SMI Broker will review the necessary coverages that are specific to your garage operation, including:
  • Dealer Plates
  • Driver Lists
  • Shuttle Vehicles
  • Temporary Rentals
  • Pick Up or Delivery Vehicles
Used car sales can be included. 

An SMI Commercial Broker will explain the available coverage  including Liability, Accident Benefits, and other optional coverages to protect you from:
  • Loss of Use
  • Fire
  • Theft
  • Windshield Damage
  • Collision



We know you are proud of your classic car. Whether it is the make, model, or power train that you appreciate the most, we offer the right coverage for you. Our Classic Car Insurance offers a range of protection to ensure that your stock or custom collectible is covered.


Here to provide real-world answers.

At Stewart Morrison Insurance, our clients are paired with a dedicated broker to help ensure that your experience, coverage, and confidence is the highest it can be.

More about my broker
Ken Nicholls
Your Dedicated Broker:
Nicholls RIB (ON), CIP, CAIB


Did You Know? A multi-policy discount can be applied when you bundle your home and auto insurance. 


Whether you own, lease, or finance your vehicle in Ontario, before your drive you are required to insure that vehicle. We are here to help. 



Provides coverage and protection when you are responsible for causing bodily injuring or property damage to another person or property.


In Ontario, the option to sue for injury or loss of income is limited; it is important to ensure that you have adequate coverage for you and your family and potential occupants of your vehicle. Accident benefits also provide protection for you and your dependents while occupying other vehicles or if involved in a car accident in any way, even as a pedestrian.  


This allows you to recover the expenses associated with fixing your vehicle if the accident is not your fault. 


Protects you if you're involved in an accident with an uninsured motorist or with a driver who commits a hit-and-run. 


Use your insurance premiums wisely with our advice. Sometimes increasing coverage doesn't cost that much, and you and your family are better protected.

Ask your
SMI Broker how you can enhance your insurance policy!

         Comprehensive: Provides protection for anything other than collision
                                                   including windshield, fire, theft, falling objects, and animals.

         Collision: Provides  coverage for your vehicle is damaged, as a result of an
                                  accident or an object on the road.

         All Perils: Combination of Collision and Comprehensive, you have one
                                   deductable for any loss. Combining coverages can provide savings. 
We have a dedicated team of brokers to assist you!