Automobile Insurance

Wheather you are buying your first car, a mini van to take your family on memorable summer road trips or a new truck to haul things around in, Grey & Bruce Mutual Insurance has the policy that will fill all your needs.

What affects the price of your Auto Insurance?

• Where you drive. Some areas are prone to higher rates of vandalism, theft and accidents
• What kind of vehicle you drive.
• How much you drive.
• Your driving record.
• Your age & sex

Below are a few terms you should become familiar with when looking for Automobile insurance:

• Liability Insurance – Protects you from the cost of damage or injury to another if you cause a collision.
• Bodily injury liability – Protects you from personal injury to others.
• Property Damage insurance – protects you from cost of damage you cause to physical property.
• Comprehensive & Collision– Covers damage to your vehicle.
  

Residential Insurance

You have worked hard to attain a lifestyle that affords you comfort, security and peace of mind. Whether you are a homeowner, condo owner, tenant or own seasonal property you need to protect the value of your home and any personal property.

Grey & Bruce Mutual have policies that cover your home and special items such as jewelry, cameras, computer equipment, bicycles, etc..

What affects the price of your Home Insurance?

• Age of house - Older homes may have more issues with structure, wiring and piping.
• Local Fire Protection – The quality of your local fire department, your homes distance from a fire hydrant.
  This is important for country homes.
• Amount of Coverage.
• Deductible Amount – A higher deductible will reduce the price for home insurance.
• Discounts – you may be eligible for a discount for such things as:
• Installing an alarm
• Being mortgage free
• Being a non-smoker
• Having no prior claims

Commercial Insurance

Your business is important, you rely on your business to support your family, your staff rely on it to support their family and your customers rely on you to provide quality products and services.

You can protect your business! Grey Bruce Mutual has policies designed for:

• Retail
• Wholesale
• Service Businesses
• Commercial Vehicle Coverage
• Churches & other places of worship
• Condominiums, Cooperatives
• Mobile Property
• Rental & Residential property
• Trade Contractors

Below are a few terms you should become familiar with when looking for commercial insurance.

• Liability-you or your business cause property damage.
• Errors and Omissions – Covers professional mistakes that might cost your clients expenses or fines.
• Tenants Legal Liability – damage you might do to leased property.
• Property Coverage – Insures property the business owns.
• Crime Coverage – Covers money losses from theft, forgery & employee dishonesty.
• Business Interruption – Loss of income if a claim interrupts business
• Floater Endorsements – Property you take to the jobsite with you.
• Transit – Property you send (by land sea or air)
  
  

Farm Insurance

Farming may have been in your family for generations, perhaps you are new to the business or maybe you keep a small farm for extra income. No matter what your situation is you need to protect your livelyhood.

Grey Bruce Mutual can protect all faucets of your farm including:

• Machinery Coverage
• Building Coverage
• Produce Coverage
• Livestock Coverage
• Loss of income coverage
• Farmers Accident
• Milk Contamination

Below are a few terms you should become familiar with when looking for farm insurance:

• Coinsurance – If you choose to only insure your herd for only 75% of their value, you will only receive 75% of the value of any destroyed animal.
• Loss of income – Coverage if your operations are suspended as a result of physical loss to insured barns or buildings.
• Farm Liability – Coverage if you and your family should you be found legally liable for an accident occurring on your property.
• Loss of use – Farm Machinery – If you need to rent machinery because of a loss.