Events We’re Attending

Events We're Attending

We take pride in our commitment with the community

We're Proud to Have Sponsored These Events Over the Years

  • Ottawa Humane Society
  • Whispers Golf
  • Food Bank
  • Nelson House of Ottawa Carleton
  • Villa Marconi
  • Ottawa Rowing Club
  • Ottawa Nurses Association (annual conference)
  • Family Resources Canada
  • Ottawa School of Dance
  • and many more…

Where are we going next?

Upcoming Events

There are no upcoming events at this time.



Detailed steps on how-to pay your policies/invoices

Select your insurance company below to go directly to their payment page.

If you do not see your insurance provider Click here to call one of our brokers today.


Using the email you may forward your payment; note your transaction will be automatically deposited into our account, a security question is not required.

However, you must include the following information in the “message” section

  • Client Code – XXXXXX
  • Invoice No# XXXXX 

With the information provided on your invoice, you may send your payment directly, however, you will need to email with the payment amount and date the payment was made. In addition, if you can include your client code and invoice it would assist with applying the payment to your account.

You may send a cheque to our office located at 1550A Laperriere Avenue, Suite 104, Ottawa, ON K1Z 7T2.

  • Payable to: Halpenny Insurance Brokers Ltd.


Frequently Asked Questions

We've answered some questions you may have

General Insurance Terms

Most frequent questions and answers

An insurance broker finds you the best insurance products by comparing what insurance providers are offering in the market. This allows us to find the best coverage for your individual needs.

The deductible is the amount of an insurance claim that you pay. If you suffer any damage, you pay the deductible and the Insurance company pays the remaining amount (up to the limit of your policy).

Insurance rates (also known as premiums) are based on risk and exposure. Risk refers to the likelihood of a loss, while exposure refers to the impact of a loss. Insurance companies use statistics to measure these factors, along with individual factors such location, age, value, among others.

Premium increases are sometimes necessary because they reflect increasing costs for insurers. Policy premiums are in part dependent on the overall claim levels within the industry. This means, the more claims are made, the riskier that coverage becomes and which then results in an increase in premiums.

An act of God is a flood, earthquake or any other accident or event arising purely from natural causes and without human intervention, of such a nature of magnitude that it could not have been foreseen or prevented by reasonable care or foresight. 

Auto Insurance

Most frequent questions and answers

Your driving record is the most important factor. Insurance companies also consider your vehicle based on criteria such as:

  • Type and age
  • Whether the car is used for business or pleasure
  • Where and how far you drive, and how many people use the vehicle.
  • Your record of moving violations are used by most insurance companies as an indicator of how responsible a driver you are.

The more you seem a risk, the higher premiums you pay.

  • The short answer is no. A single person who owns more than one vehicle can be the primary driver of multiple cars. But you lose that privilege when the number of cars matches the number of licensed drivers within the household. Under that scenario, every car needs to be matched with a primary driver.
  • The only way around this available isn’t an appealing one. It involves asking an insurance company to exclude a driver from being on a policy. It’s also an option that insurance companies rarely offer, especially to teenagers.

Your car insurance company is saying you were either responsible for this collision (“at fault”) or not responsible for it (“not at fault”). No matter how big or small a collision, your car insurance company will assign a percentage of fault to you and a percentage to the other driver involved. They base this percentage on a strict set of collision scenarios that have been established over time and are included in an official document called: “Fault Determination Rules”. Fault is not a judgment call and your insurance broker does not have the ability to change your at-fault rating. If you are considered fully (or even partially) at fault, your car insurance company is required to mark “at fault” on your insurance record.

As soon as they pass their test you should contact your insurance broker. Many companies will start accumulating their insurance history from their G1 license date.  There is no charge for placing them on your policy until they pass their G2 license.  Having them take an approved driver training course will not only make them better drivers, but it will also help lower their insurance premium.

Licensed sons or daughters, residing in your household must be reported to the insurance company where they will be noted as drivers on the policy. Typically children under 25 with a licence class higher than a G1, who are not the primary driver of any vehicle, will be listed as an ‘Occasional’ drivers and have a premium charge. In rare occasions where the child has a poor driving history (traffic convictions & accidents) there may be instances where the insurer excludes them from driving any vehicle on the policy by having you sign an “Excluded Driver Form”. Usually, coverage would automatically apply to children living away from your home who are not regular or frequent drivers of your vehicle, however you would want to check with your Broker about your obligations to have them noted on your policy or not. For more information see our blog: “If I get pulled over in mum’s car (she has insurance, I’m not on it) do I get in trouble? Will rarely drive car.”

The basic auto insurance policy in Ontario does not automatically include coverage for rental vehicles. Be sure to check with your Broker on the maximum limit they will cover for a rented vehicle, the restrictions on which drivers are covered and if there are territorial limitations. Many insurers only provide this coverage for rentals in the continental borders of Canada and the US.

Home Insurance

Most frequent questions and answers

Insuring your home for its accurate rebuilding cost is critical. Along with the specific details on the construction type, Brokers will also calculate the cost to remove debris and rebuild your home based on the square footage and other variables including the current cost of labor and building supplies. Typically, Brokers are equipped with software to accurately determine the proper amount for which your home should be insured.

All policies have common exclusions and limitations such as war, nuclear hazard, and willful damage (to name a few). However the cheaper policies usually have more exclusions and will limit or cut coverages in areas where a loss is most likely to occur. A common exclusion on a cheaper policy would be to exclude electrical power surge to computers and appliances or limit jewelry coverage to $2,000 and cash to $200. A better policy will provide $6,000 for jewelry, $500 for cash, and include power surge. Call one of our professional sales staff for more information on exclusions and limitations.

Your insurer considers an unoccupied dwelling riskier than an occupied one. Depending on how long you are away from your home, you may need to make arrangements to ensure you are taking the precautionary steps outlined within your policy. During the heating season, the common things you need to consider are turning off your water and draining the pipes, keeping your heat turned up or having your dwelling checked regularly. In some circumstances, you may need to inform your insurer. If your home will be unoccupied, we recommend you speak with your broker about the specific requirements for your insurance company and policy.

Traffic tickets can raise your auto insurance premiums. Unless, of course, you’ve purchased a policy that offers forgiveness for your first infraction. These products can be purchased on top of your policy (and you’ll want to purchase it before you need it). Serious infractions can definitely send your premiums skyrocketing — a major criminal conviction can double your premium. But insurance companies don’t take the number of demerit points you have into consideration. The type of offence matters more.

Commercial Insurance

Most frequent questions and answers

No – nothing can prevent your business from being sued. Good business practices reduce the probability of a lawsuit but a person or organization can sue your business for almost anything – frivolous or justified. Your business insurance coverage can help you pay to defend allegations or actions against your business.

Group Home & Auto Insurance

Most frequent questions and answers

With Group Home & Auto Insurance, you pay less for insurance. This program is only offered to employees of select companies and organizations

Insurance companies usually charge a service fee (3%) for offering the option of monthly payments on home & auto insurance. Our program waives this fee. Therefore you save even more!

Families Canada

Families Canada

Over 100 resource centres across Canada have taken advantage of this excellent insurance package

We are pleased to announce that after 10 years of offering this program, many centres have greatly benefited by placing their insurance with this program.


  • abuse allegations coverage
  • premium rate reductions – additional 20% reduction
  • over 20 new coverage extensions recently added and several coverage limits increased
  • administration fee now waived

Program Highlights include:

  • broad office package including many extensions of coverage
  • electrical and mechanical breakdown for your computer equipment
  • general liability, professional liability and board liability
  • full coverage for employees and volunteers including wrongful dismissal
  • full crime coverage including theft of money on and off-site
  • 24-hour emergency claims service, 1-800-635-3508.

or Complete the application and return it to us by mail, email or fax. Remember to include your most recent financial statements and bylaws. We will provide you with a no-obligation quotation within 3 business days.

The program policy is subject to a minimum annual premium of $750. Coverage is available upon request and payment must be received in full within 30 days of the effective date of your policy. A monthly payment plan is available for a small financing fee.

For details on how to become a member of FRP Canada, please refer to

Group Home & Auto Insurance

Group Home & Auto Insurance

Personalized insurance coverages offered at discounted group rates

Learn about our Exclusive Employer Program

Halpenny Insurance Brokers Ltd. has partnered with two of Canada’s leading insurance providers to provide discounted insurance rates.

The program is available to all employees of participating companies, their spouses, and dependent children residing at home or away for school.

Benefits Available

We offer exclusive benefits and savings through preferred group rates for your home and auto insurance needs.


  • Exclusive group rates on Home & Auto Insurance (up to 30% combined savings)
  • No service fee on monthly payments (3% savings)
  • Extended eligibility to include the group member’s partner, spouse, and dependent children
  • 24/7 Emergency Claims service


  • Enhancement to employee benefits
  • No cost
  • No internal administration function
  • Sales and service provided by Halpenny Insurance
  • We implement all marketing materials, promotion and administration of the program

Get a Quote Now

Specialty Commercial Programs

Specialty Commercial Programs

We offer competitive group programs with reduced premiums and enhanced coverage

We offer an industry leading B&B insurance solution to members of

We offer comprehensive insurance coverage for community resource centres nationwide.



Find out more about our policies

Privacy Notice

This privacy notice discloses the privacy practices for This privacy notice applies solely to information collected by this web site. It will notify you of the following:

  1. What personally identifiable information is collected from you through the web site, how it is used and with whom it may be shared.
  2. What choices are available to you regarding the use of your data.
  3. The security procedures in place to protect the misuse of your information.
  4. How you can correct any inaccuracies in the information.


Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone.

We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request, e.g. to ship an order.

Unless you ask us not to, we may contact you via email in the future to tell you about specials, new products or services, or changes to this privacy policy.


Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

  • See what data we have about you, if any.
  • Change/correct any data we have about you.
  • Have us delete any data we have about you.
  • Express any concern you have about our use of your data.



We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.

Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for “https” at the beginning of the address of the web page.

While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.


If you feel that we are not abiding by this privacy policy, you should contact us immediately via call or email


Broker Compensation Outline

Thank you for your business. As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable, and understandable.

Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When, and if, an issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.

Brokerage compensation is part of your insurance premium. As trusted insurance brokers, we have always been willing to reveal our compensation terms if asked by our clients.

With new guidelines provided by governing bodies such as the Insurance Brokers Association of Ontario (IBAO), and RIBO, our insurance brokers now give point-of-sale disclosure of compensation for our insurance products. Information can also be obtained on the respective insurance company websites.

You have the right to ask who is providing compensation to your insurance broker or agent for the sale of your insurance. Your insurance broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways.

Insurance companies will disclose their compensation arrangements with their distribution networks. Insurance brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts.


Commercial Insurance

Commercial Insurance

We are committed to your business' success

Commercial Insurance

At Halpenny, we are committed to the success of your business.  Our aim is to build a strong relationship with you by finding the best coverage for your business and support you over the long-term. Satisfactory resolution of insurance claims is how we have built our business since 1912. Your business provides a living for you and your family. We can help keep your business and your employees secure.​

Coverages Available

Protecting against losses arising out of the manufacturing, use or operation of an aircraft.

Covers the sudden and accidental, physical damage to equipment that requires repair or replacement.

Covers against a loss of income that could impair a company’s revenue stream and possibly trigger a shortfall in covering the ongoing costs of doing business.

Protection against possible damage to business property

This coverage insures the value of a building which is in the process of being built. The structure, materials, equipment and supplies kept within 100 feet are all covered under this policy.

Coverage for leased or owned vehicles. Putting multiple company vehicles under one fleet policy may be in your best interest.

This policy provides payment in the event of a “liability” loss that causes injury or property damage during the policy period only – “occurrence” form. It protects your business against liabilities that arise from your daily operations, the products you sell, or the services you render.

No matter how small or big your company is, this customized coverage is essential for all contractors.

Protect yourself from financial loss due to criminal activity such as: fraud, theft, forgery and/or kidnapping.

Mitigate risk exposure by offsetting costs involved with recovery after a cyber-related security breach or similar event

Provides coverage for defense costs and damages arising from wrongful act allegations, neglect and lawsuits brought against an organization’s board of directors and/or officers.

Provides coverage to employers against claims made by employees alleging: Discrimination (based on sex, race, age or disability, for example) Wrongful termination and many more.

Protect your business from the continuously changing environmental landscape.

Liability insurance policy that provides protection against loss incurred by a client because of some negligent act, error, or omission by the insured. The insured is normally a professional or consultant.

Insurance solutions such as professional liability and privacy liability for software and IT service providers, manufacturers of electronics, and the telecommunications industry.

Whether you’re renting out condos, apartments or houses, make sure you’re protected.

We will provide you with comprehensive marine insurance coverage no matter the type of boat.

No matter the size of your municipality, we work closely with you and make sure that you are protected  for your specific needs.

We offer a tailored solution to non-profit organizations. Contact us today to find out more.

Whether licensed or unlicensed, we’ve got the right coverage for your restaurant(s).

Wholesale insurance is coverage for employer groups that are too small to qualify for true group coverage.

Surety bonds protect the obligee against losses, up to the limit of the bond, that result from the principal’s failure to perform its obligation or undertaking. 

Protect your trucks or fleet with commercial trucking insurance.

Liability policy that serves as all-encompassing insurance that protects all contractors and subcontractors working on large projects costing over $10 million. 

Get a Quote Now