1.4/5 (9 Reviewers)
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Northbridge Insurance offers personal and business insurance throughout Canada, and is a subsidiary Northbridge Financial Corporation, a company with over 90 years of providing insurance solutions to Canadians.

Northbridge Insurance

HeadquartersToronto, Ontario
Insurance Products**Business Insurance
Provinces LicensedAB, BC, MB, NB, NL, NWT, NS, NU, ON, PEI, QC, SK, YT
*Employed by Northbridge Financial Corporation.
**Insurance coverage and availability may vary by province. Speak with your broker for details.

Need an Insurance Quote

Get a Quote now

For a quote on personal or business insurance in Ontario, give our brokers a call at Mitch: Speak with a broker today: 1-800-731-2228

Company Overview

Northbridge Insurance offers an extensive range of personal and business coverage products, including small business insurance. The company also offers a range of what it calls specialty solutions; miscellaneous coverage for less standard risk profiles.

Customers of Northbridge Insurance can expect:

  • Discounts that make personal and business insurance more affordable
  • A wider variety of coverage options thanks to the companies “specialty solutions” policies
  • Service that’s personal and local—Northbridge has offices in Quebec, Ontario, Nova Scotia, Vancouver, Edmonton, and Calgary.

With so many locations across the country, Northbridge Insurance relies on brokers to connect new clients to their insurance solutions.

Advantages of Northbridge Insurance

There are several advantages of buying a policy from Northbridge Insurance for personal use, or to protect your business. Northbridge plans are especially useful for people operating a small business the company offers plans specifically designed for the unique needs of small business owners. Additionally, Northbridge Insurance offers a few coverage options in its “specialty solutions” section which are rarely offered by other insurance providers.

Some of the advantages of using Northbridge include:

  • Access to rare and innovative coverage products: the company’s “specialty solutions” area contains some coverage options that are relatively rare currently, with a major highlight: insurance for rideshare drivers. Ontario cities, especially Toronto, are innovating in the sphere of using rideshare services for transportation and Northbridge Insurance provides coverage beyond personal auto plans for these customers.
  • Plans for small business owners: Northbridge Insurance offers policies with small business owners specifically in mind, making the company’s small business plans (including general liability, cyber security, commercial property, and errors & omissions) a good choice for people running a business on a slim budget.
  • A variety of discounts and multi-line options: Focused on personal policies, Northbridge Insurance offers a variety of discounts that make it easy for customers to save more when they buy more policies with the company.

Northbridge Insurance Products

Northbridge Insurance offers products in four areas: personal, business, small business, and specialty.

Personal Insurance

Northbridge Insurance’s personal policies fall into the following areas:

  • Home
  • Auto
  • Seasonal Properties
  • Recreational Vehicles

Home Insurance

Northbridge’s home policies offer benefits such as:

  • guaranteed full cost replacement
  • coverage extends to a student away at college
  • special limits on high-value items in your home

Home discounts include:

  • The Personal Choice program, which bundles home and auto for a discount
  • New home discount
  • Discount for 3 consecutive years without a claim
  • Discount for an approved burglary or fire alarm system in your home
  • Discount for age of policyholder
  • Discount for being mortgage-free

Auto Insurance

Auto insurance discounts include:

  • Personal Choice bundle
  • Multiple vehicle discount
  • Driving Record Protection: for a small fee, Northbridge will protect your record if you get in a minor (at-fault) accident

Seasonal Property Insurance

Northbridge will cover summer and winter properties, as well as rentals and more.

Recreational Vehicle Insurance

The RVs that Northbridge covers include:

  • Watercraft
  • Motor homes
  • Vacation trailers
  • Snowmobiles
  • ATVs

Business Insurance

Northbridge offers a variety of coverage options for business owners in different industries, including:

  • Cyber Risk
  • Property Insurance
  • Business Income Insurance
  • Commercial Auto Coverage
  • Commercial General Liability
  • Crime Loss Coverage

Small Business Insurance

Northbridge Insurance has a unique line of products that take into account the unique needs of small business owners and entrepreneurs. These coverage options are as follows:

  • General commercial liability coverage that protects small business owners in the event of a lawsuit
  • Cyber coverage to protect against data breaches
  • Property insurance that takes into account the unique property needs and assets of small business owners
  • Coverage for errors & omissions that may make a small business liable for the loss of profits

Specialty Solutions

Northbridge Insurance also offers several other coverage options that fall under the title of “specialty solutions”. Among these policies is surety bonding coverage, marine industry risk protection, and an innovative grouping of policies to cover drivers for three popular Canadian rideshare services beyond what’s covered by personal auto policies.

Need an Insurance Quote

Get a Quote now

For a quote on personal or business insurance in Ontario, give our brokers a call at Mitch: Speak with a broker today: 1-800-731-2228

Northbridge Insurance Reviews

1.4/5 (9 Reviewers)
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Northbridge Insurance
Head Office:
105 Adelaide Street West, Toronto, Ontario M5H 1P9, Canada
Phone Number: (416) 350-4300
John B
Rating: .5 .5 /5 stars

Watch your account they will charge you after you leave

I was a customer in 2022, I have cancelled my insurance 30 days before renewal. I filled out the cancellation form, signed it electronically and received an Doc-U-sign form confirming “ all parties acknowledge the cancellation of insurance”

To my surprise, they charged me over $2900.00 for insurance, two months after I cancelled it.

Asking for a refund they said they will look into it and did not apologies for the error. DO NOT USE NORTHBRIDGE INSURANCE. They will access your credit card without authorization, even when you are NO LONGER A CUSTOMER.

Luna Neman
Rating: .5 .5 /5 stars

ZERO!!! THE WORST insurance company ever!!!!!!!!!!!!!!!!!!!

Rating: 1 1 /5 stars

Northbridge is the worst company I dealt with!

Everything is fine with this company as long as your paying your premiums and not having a claim! Things change when after 20 years you need help. I found out how you get treated,it was a real hurtful eye opener. I had no idea that I’d be tossed to the curb and my insurance canceled,keep in mind not one claim with northbridge company in 20 years. Here’s the kicker we didn’t know if there even was going to be a claim.Long story short there was no claim.Try to get insurance after that,you will find out even if there was no claim no one will give you insurance .Now a few year later was able to get a quote of almost 2thousand dollars.Insurance company’s never disappoint,when you really need them they show there true colours.They could care less about you!

Kim B
Rating: 1 1 /5 stars

Worst Insurance company ever

Had a flood and they took forever to deal with it to the point where I lost all the contents because they needed time to think if something was covered!

Rating: 1 1 /5 stars

Don’t use Northbridge for manufacturing coverage

before using this Northbridge for manufacturing coverage I would suggest your you and your broker really check out their sales pitch vs the actual coverage…my view find a company with morals!

Leslie Aitchison
Rating: 1 1 /5 stars

Don’t buy insurance with Northbridge

Called to make a claim. Guy cracked my bumper when he was backing out of his parking spot. Northbridge sent to an approved shop. Got a quote $1350. Insurance didn’t want to pay for the repair. Said my car was only worth $3500. So? It’s only $1350 for the bumper, what’s the problem? The mechanic took pictures not only of the damage to my bumper, but he popped the hood, took pictures galore, then opened up my car doors and went crazy. The adjuster said they’ll give me $ for my car. I said no. Then I said I want to cancel my claim. He said they’re going to change my car stays to “salvage”, which means I won’t be get insurance and all. I told them to take a flying leap, found a better policy and cancelled my policy with Northbridge. They didn’t have a problem taking my money for the past two years, but they’ll find any reason to deny your claim. Don’t waste your time or money.

Rating: 1 1 /5 stars

They are really bad for there claim department

I got in accident send it to one of there body shop that guarantees the work now had bad experience with them I had my truck in 4 time now 7 month ago had two branded new tire now they are bald I phone claim department and they will not phone me back so never take it to there department I am going to talk to lawyer see what I can do to fix this since they don’t whont to call me back resolve the issue

Rating: 5 5 /5 stars

Awesome to deal with

Our company had one of our semi, hit ditch and roll. Our dealing with Northbridge insurance was so fast and smooth. Would highly reccomend them.

Gaillen Wraye
Rating: 1.5 1.5 /5 stars

Very thorough and friendly.

.They take the time necessary for customized policies. I have heard only great stories of people getting their claims finalized.