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Every Policy is a Personal Promise.

At ELM Insurance, our specialty isn’t just insurance — it’s understanding people. As one of the last independently owned insurance brokerages, we believe in the value of personal connections.

Whether you’re an individual looking to insure your cars and houses, a thriving construction company, or a local business owner, you’re not just a number to us. You’re a partner.

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Our Services

Delivering specialized insurance solutions for both
personal and business needs.

Construction Insurance

Protecting your construction business means understanding every beam, brick, and bolt that goes into it. With ELM, dive deep into construction insurance that’s as robust as your projects.

Surety Bonds

Navigating the complexities of the construction world requires more than just expertise— it demands trust.

At ELM, our Surety Bonds provide that robust layer of confidence. They assure all stakeholders that projects will progress smoothly, that promises will be kept, and commitments will be honoured.

Commercial Insurance

With the right knowledge and coverage, you can avoid business pitfalls. ELM Insurance simplifies your protection by offering straightforward solutions that safeguard your operations against your building’s unexpected turns.

Personal Insurance

From your homes and cars to your seasonal retreats and the unique fine arts collections, our Personal Insurance policies are tailored to protect you, your family, and your valuable assets against the unexpected.

Emergency Claims

Swift responses when you need them most. Trust ELM
to have your back, day or night.

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About ELM Insurance

At ELM, we believe that insurance isn’t just a transaction; it’s about relationships. Our clients are never just numbers to us. They’re individuals with unique needs, aspirations, and challenges.

As an independent brokerage, we pride ourselves on offering that personal touch, ensuring every policy we craft is tailored to the individual. This means taking the time to understand the nuances of operations and construction details, emphasizing our core value of “coverage first.”

  • Truly Tailored Coverage

    Where every policy is a promise, handcrafted to fit your unique needs. Experience the difference in insurance that’s built around you, not the other way around.

  • Independent Insight

    In a world of conglomerates, we stand apart. Our independence means decisions made swiftly, transparently, and always in your best interest.

  • More Than Just Insurance

    With ELM, you’re not just another policyholder. You’re a valued partner. From our deep construction industry specialization to our personal touch, discover the ELM commitment to your peace of mind.

ELM Life and Group Management Inc.

Beyond insurance – a partner in life planning and group benefits. Dive deeper into tailored life insurance, estate strategies, and more. Discover how we shape futures.

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