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Personal Lines
VIP Services
Group Home & Auto
Commercial Lines
Independant Business
Middle Market
Special Risk
Wine Collection
Fine Art

Products & Services

KRG is committed to delivering high quality insurance products and services to all of our clients when they need them and how they need them. Our superior insurance partners support us, so our clients get the best value for their insurance dollar. We offer:

»Personal Lines
»VIP Services
»Group Home & Auto
»Commercial Lines
»Independant Business
»Restaurant Programme
»Middle Market
»Special Risk
»Wine Collections
»Fine Art

Personal Lines
Standard Risks
High Valued Vehicles
Substandard Risks
Antique/Specialty Vehicles

Available Discounts
Mature Driver
Retired Driver
Children Away At School
Anti-Theft Systems
Driver Training Courses
Low Mileage

Homeowners Package
High Valued Properties
Condominium Package
Tenants Package
Seasonal Package
Rented Dwelling Package
Home Based Business
Valuable Articles
Watercraft (Any Size)
Personal Excess/Umbrella
Travel Insurance
Farm Insurance
Available Discounts
Mature Citizen
Security Systems
Claims Free
New Home
Mortgage Free
Preferred Construction
New Business
VIP Services

The VIP division of Personal Lines is designed to give exemplary individual service and coverage to our clients with high valued properties, jewellery, seasonal residences, high value and/or exotic automobiles or marine vessels. With the knowledge and experience to handle these high-value accounts, our Account Executives ensure that valuables are properly protected.

Personal Insurance policies are designed and tailored to service the average home or automobile. Because of this, many insurance companies will actually decline coverage on rare, vintage or high valued automobiles or high valued homes and personal property. We have strong relationships with Premium Insurance Carriers such as Chubb Insurance Company, AIG Private Client Group and Guarantee Company of North America and can tailor programs to meet your needs.

In addition, we are always pleased to offer value added services to the discerning buyer:

  • Personal in-home visits
  • Professional individualized consultations
  • Custom tailored insurance portfolios
  • We take pride in the flexibility of this line and know that our unparalleled customer service makes this product what it is today.

    Group Home & Auto

    These programs offer significant benefits to you by offering personal lines insurance products at reduced prices along with many value added benefits. It works by leveraging the buying power of a group towards the common insurance needs of its members.

    Group Home and Auto programs can be designed for group of individuals wishing to insure their homes, condo, personal property and automobiles. Typically these are groups of employees or members of associations that share a common need for insurance requirements.

    Just a few of the benefits of a program are...

    • Preferred Rates
    • Additional Discounts
    • Multiple Products
    • Exceptional Claims Services

    If you are member of group and would like more information or for us to make a presentation to your employer or association on the benefits of Group Home and Auto Insurance, please call us today.

    Our strong, experienced team has proven to be highly dedicated and committed to serving you. With professional insurance and claims counsel you will find that our service is immediate and caring.

    We invite you to take advantage of your group buying power!

    Commercial Lines
    Individual Risks
    Fleet Risks
    Garage Risks
    Package Policies
    Office Risks
    Retail Stores
    Garage Risks
    Professional Services

    Commercial General Liability
    Excess/Umbrella Risks
    Directors & Officers Liability
    Specialty Lines
    Party Alcohol Liability
    Marine Risks
    Machinery Breakdown
    Hole-In-One Insurance
    Commercial Business Policies
    Manufacturing Risks
    Industrial Risks
    Landlords Risks & Property Management
    Construction/Builder's Risk
    Restaurant Programme

    Since 1980, KRG Insurance Brokers has been providing specialty tailored insurance solutions to small, medium and large Canadian businesses. We are excited to offer restaurateurs a Restaurant Insurance Program, designed with your unique coverage needs in mind. We are constantly working with our insurance partners to bring our clients enhanced coverage’s and premium savings.

    The KRG Restaurant Insurance Program includes valuable coverage’s for:

  • Property & General Liability
  • Business Interruption Income on an “Actual Loss Sustained” basis
  • Crime (employee theft, robbery/burglary)
  • Food Spoilage & Contamination
  • Slip & Fall Exposures
  • Equipment Breakdown
  • Legal Expense Coverage
  • What Type of Restaurant Qualifies for the Restaurant Insurance Program?

  • Fine Dining
  • Mall Food Court
  • Fast Food Chains & Franchises
  • Family-style Restaurants
  • Dining Theatres
  • Cafés, coffee/donut shops, bakery and pastry shops
  • Supper Clubs
  • Lounges
  • How is Premium Determined?

  • Restaurant Location
  • Building Construction (age, storey&srquo;s, square feet of restaurant)
  • Type of Fire Protection
  • Alarm System
  • Occupancy Class (tenant vs owned, other occupants in the building)
  • Type of Equipment
  • Number of Full-time vs Part-time Employees
  • Gross Receipts
  • Seating Capacity
  • Past Claims
  • Deductible Amount
  • Limits and Values
  • Why Insure your Restaurant with KRG Insurance Brokers?

  • Professional brokers who understand your business
  • Stable, long term relationship with Canada’s top Insurance Companies
  • 24/7 dedicated claims assistance
  • Monthly payment plans
  • Expert Advise Regarding Risk Management
  • Want a Quote?

    Call Christina Martin at 416-636-4544 OR Fill out our Easy Online Application and we will call you within 24 hours!


    Commercial Insurance covers a broad range of risk management and protection services. Coverage and policy types can range from property / casualty insurance to broad-form liability to workers compensation. Each of the areas in commercial risk management have their own intricacies and specializations. The diverse and complex nature of commercial risks dictates that it should always be left to a professional.

    At a functional level, our Commercial Lines area is divided into three units to better serve your company's interests. They are:

    There are so many options for insurance that knowing what you need to insure can be difficult. Insurance carriers will let you insure anything, provided you pay their premium. Knowing the 'what to cover' and the 'how much' can not only reduce your annual insurance premiums, but also ensure that when you have a loss you are not made painfully aware of the exclusions in your coverage.

    Furthermore, in each specific area of insurance, smaller businesses can have dramatically different needs with respect to insurance than their larger multi-national counterparts. For this reason, KRG has defined specific units designed to focus the expertise of its people towards the specific of each level of commercial risk.

    More information is available on each of these areas. If you have any questions or would like to engage our services, please call or write us today.

    You can get your no obligation quote with the use of our on-line application.

    Independent Business

    The Independent business typically requires greater flexibility in their financial risk management but typically have a lower premium. Rather than trying to slot these business requirements into 'boiler-plate' standard commercial policies, alternative specialized packages are tailored to meet the needs of this business. These cost-effective insurance programs generally cover all of the insurance needs of the small business owner. These can typically include:

  • Property Coverage
  • Vehicle Coverage
  • General Liability Coverage
  • Top
    Middle Market

    The Middle Market Unit are experienced and knowledgeable insurance professionals for medium sized businesses such as: manufacturing, plastic fabricators, metalworkers, supermarkets, printers, schools, wholesalers, auto dealers, food processors or distributors, electronics manufacture and distribution, communications and media companies. This list is not inclusive of the business that may fall into this level of expertise.

    KRG's expertise and professionalism in the insuring of these commercial businesses has earned them a reputation among their clients and the carriers. With the approach of understanding the company's risks and the impact of those risks should there be a loss we ensure that proper coverage is always in force.

    Through a blend of traditional insurance, loss history analysis, loss control management and transfer of risk, we will evaluate your risk retention and risk financing options so as to form the most efficient and cost effective insurance program available.

    Special Risk

    It is not always possible to categorize all areas of business practices, nor to supply a single model to handle all classes of business. We recognize that all companies are not created equal and created our Special Risk Unit to address the more complex needs of our large clients. Special Risks places business with recognized insurance carriers locally, nationally and internationally. Special Risks handles insurance for such diverse risks as:

  • Excess Workers Compensation
  • Associations
  • Professional Liability Groups
  • For Profit and Not-for-Profit Directors' & Officers' Liability
  • Medical Malpractice
  • Difficult to place Products Liability Exposure
  • Workers' Compensation Programmes
  • Standard Property and Liability Exposures