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CMIB is your one-stop insurance shop.

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We cover it all

Thinking about getting insurance? We know it’s a big decision.

From auto, home, condominium and tenants insurance to small commercial packages, we can help you find the right policy for your needs and budget. So, you can have peace of mind knowing that you are protected.

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See all the insurance categories we specialize in.

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Homeowners

We can provide comprehensive protection for your building, as well as loss to your contents and additional living expenses if you need to live elsewhere if an insured claim prevents you from residing in your home.

With coverage for perils such as fire, water escape, windstorm or theft, home insurance can help you cover the cost of repairs or replacement.

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Condos

Own a condo? You’ll want to make sure you have the right insurance coverage in place. Condominium corporations come with complex and often confusing rules and regulations.

Modern condominium insurance policies can provide robust coverage, but only if you have purchased the correct coverage.

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Tenants

Do you rent? You’re not off the hook when it comes to insurance. You need to protect your belongings. Your landlord’s building insurance policy provides no coverage for the contents of your unit in the event of loss.

We can help you to determine the correct amount of coverage to protect your personal property.

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Automobile/Motorcycle

You’re always on the go. So, we have car insurance options that fit your needs, no matter what you drive. Receive protection for your car against collisions, theft, fire, and loss of use of your vehicle, as well as your liability for physical injury you can potentially cause to others.

The Ontario auto policy also affords you coverage for loss of income, medical rehabilitation and attendant care, death and funeral benefits as a result injuries sustained in an auto accident… but you need to choose the best protection for you and your family. Everyone’s situation is different.

Unsure of what you need?
Speak to one of our team members today.

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Boat Insurance

You’re one with the water. But whether you’re out for a leisurely sail or doing some serious fishing, it’s important to have the right insurance in place.

Let us help you find a policy that covers your boat, as well as liability for injuries or damage that may occur.

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Small Commercial

Are you a small business owner? We can assist you with providing liability coverage for your operations, business contents/tools, as well as business interruption coverage.

If you rent a location, we can also provide coverage for upgrades the business has made to the premise.

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Other

From auto, home, condominium and tenants insurance to small commercial packages, we can help you find the right policy for your needs and budget.

Don’t see what you need here? Contact us to see if we can help.

Who We Are

CMIB is a family-owned insurance brokerage company dedicated to providing our clients with the best possible insurance coverage and service.

Since its inception in 1957, our team has been committed to meeting the needs of our clients with a personal touch and high-quality insurance products. To us you are not just another policy number — we understand that unique needs of our clients and that life experiences can't always be measured by statistics or demographics alone!

That's why we design your insurance plans around giving people back what matters most, peace of mind that they have purchased the best insurance protection tailored to their needs.

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Why Choose Us

Insurance is complex.
But we make it easy for you.

We offer a wide range of insurance products to cover your vehicles, property and your business, so you can have peace of mind knowing that you're protected.

In addition, our team of insurance experts is always available to answer any of your questions. We'll make sure you understand your policy and what it covers. Most importantly, we always have your best interests at heart.

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Who we work with

You deserve to be treated like a human, not just another policy number.

CMIB takes the time to get to know you and your familial needs before recommending a policy. We want to make sure that you're fully protected in case of a loss.

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New to insurance

We can help you find the right insurance policy to protect your needs.

We’ll explain the different types of coverage available and help you choose wisely.

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Second Opinion

If you’re not sure if you’re getting the best possible coverage, we can review your current policy and offer our expert opinion.

We’ll help you compare policies and find the best option for you.

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Existing Clients

We're here to help you every step of the way. Whether you need to make a claim or just have a question about your coverage, we're here to help.

Curious about what else we cover? Contact us today for more information on what services we offer!

Lets get your estimate started
Down arrow

CMIB is your one-stop insurance shop.

Contact us today and tell us how we can help you. Please fill in your information here, and one of our insurance experts will be in touch shortly.

Homepage Form

Name

We cover it all

Feeling confident about your insurance but want a second opinion? We got it covered.

From auto, home, condominium and tenants insurance to small commercial packages, we can help you find the right policy for your needs and budget. So, you can have peace of mind knowing that you are protected.

Learn MoreRequest a Quote
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Hear it from our clients first:

Geoffrey

My old broker was a poor communicator and hard to get a hold of. He made multiple mistakes on my policies. I contacted another who was much of the same.
From the start, Katie was responsive and clear in her communications.
I will refer her in the future.

Geoffrey G.

Kristen

Katie is a fantastic insurance representative! She has worked diligently to help me navigate the complicated and often frustrating world of dealing with insurance companies. You could not POSSIBLY have a better insurance representative than Katie looking out for your interests. I’m delighted to have her taking care of my insurance needs and recommend her and Mellor Insurance highly!

Kristen R.

Carolee

Katie is an amazing Broker! I was having difficulty with a claim and she got involved without being asked. She professionally escalated it and stayed in touch throughout the process making it as easy as possible. She proceeded to help me find a better insurance company and gave me excellence advice so I could get the best rate possible. In the end, I saved 75% on my premiums. I can’t recommend her enough!

Carolee T

Talia

Katie has helped me with my policies for first my rental condos and now my first owned condos. She has always been patient and thorough in explaining my options and the various features of each plan, and has empowered me to make the decision that best suits my needs. She is responsive, reliable, and a pleasure to work with.

Talia P.

Thomas

Katie has been my broker for decades and I have referred many young clients to her for choosing their first auto insurance policy. She is a pleasure to know and work with.

Thomas K.
Common Questions

Have questions that need answered?
Read below or contact us for more information.

What is no-fault insurance in Ontario?

What is no-fault insurance in Ontario?

Likely the most misleading terminology that could be used, someone involved in an automobile accident in Ontario is always deemed fully, partially, or not at fault. The term “no-fault” refers to the accident benefit section of the auto insurance policy.

This section of the policy provides coverage for loss of income, medical rehabilitation, attendant care, caregiver, housekeeping, funeral, and death benefits as they relate to injuries sustained by the occupants of a vehicle involved in auto accident.

This section of the policy will respond regardless of fault, hence the term no-fault.

What is a deductible?

What is a deductible?

When an insured loss occurs on a contract of insurance, there is generally a deductible applied. This is stated in your policy documents and may alter based on the type of coverage.

For example, a standard property insurance deductible is $1000, but water related losses may have $2000 deductible. This is the share you contribute as the policyholder. When referencing auto insurance, it is important to realize that losses involving other motorists or pedestrians or property damage to others are required to be reported regardless of if the damage is under your listed deductible. You may save premium if you choose a higher deductible.

Can I let other people drive my vehicle?

Can I let other people drive my vehicle?

In Ontario the owner of the vehicle is required to insure it. The owner’s policy (OAP 1) generally lists drivers that are regular operators of the vehicle.

There may be an occasion where you need to lend your vehicle. Provided the operator holds a valid operators licence and has your permission as the owner, they can drive your vehicle, BUT they are driving on your insurance. This means, any losses that occur can and will be rated against you as the owner.

The auto insurance contract does require you disclose regular operators and drivers residing in your household without their own car and insurance. Failure to do so may create a material change in risk after an unlisted driver causes a claim, which could result in the cancellation of your policy.

Do convictions on my driving record affect my insurance?

Do convictions on my driving record affect my insurance?

YES. If you receive a moving violation from a police officer (this does not include red light and speed enforcement camera violations as well as parking tickets), this will impact your insurance premium.

If you fight a ticket and the “points” are waived, you still have a rateable conviction on your driving record. Points are reserved for use by the Ministry of Transportation in Ontario. If you collect a certain number over a certain period, they can bring you in for a stern discussion or suspend your licence. Your insurer will not care if your points were dropped or lowered as you still have the conviction on your driving record.

A conviction goes on your driving record once you have been found guilty of the action (either by not challenging it or paying the fine) and remains on your abstract for three (3) years from that date, not the date of the offence. Most Canadian provinces and many of the USA states have a reciprocal arrangement with Ontario, so an out of province ticket may still appear on your Ontario driving abstract.

Unsure of what you need? Speak to one of our team members today.

CMIB happy lady

We cover it all

Are your family’s needs changing? Maybe it’s time to renew your policy.

From auto, home, condominium and tenants insurance to small commercial packages, we can help you find the right policy for your needs and budget. So, you can have peace of mind knowing that you are protected.

Learn MoreRequest a Quote

Lets get your estimate started
Down arrow

CMIB is your one-stop insurance shop.

Contact us today and tell us how we can help you. Please fill in your information here, and one of our insurance experts will be in touch shortly.

Homepage Form

Name