The Broker Advantage
Brokers are not Agents
Brokers are Highly Skilled Professionals
Stan Darling Insurance is proud to be an independent Insurance Broker working for you. Our office represents several different insurance companies and will obtain numerous quotes ensuring the best coverage at a competitive premium. We are focused on helping you make an informed decision.
The success of our brokerage relies solely upon satisfying your insurance needs. It is always in our best interest to continually provide you with prompt and personal service whenever you are purchasing or updating your insurance. If you are ever caught in the unfortunate circumstance of having to make a claim, we will always be by your side. We will do our best to assist you quickly and to make sure you are treated fairly by the insurance company.
What is a Broker?
A Consultant and an Advocate
Brokers are professional insurance advisors operating an independent business to serve all your insurance needs. Licensed brokers are continually trained through IBAO (Insurance Brokers Association of Ontario) and other RIBO (Registered Insurance Brokers of Ontario) approved programs. Brokers are experts at simplifying the intricacies of insurance policies, sharing our knowledge and presenting our best recommendations to you, the customer. An Insurance Brokerage represents several different insurance companies and is able to solicit quotes and negotiate the best premiums matched to the best coverage for your protection. We are focused on helping you make an informed decision.
What is an Agent?
An Insurance Company Representative
Insurance Agents differ from Insurance Brokers. Agents are authorized to sell only the products of the companies they work for. Stan Darling Insurance is a Brokerage which maintains relationships with many insurance companies. We will carefully assess your insurance needs, then search for the product that best meets your requirements. If your circumstances demand it, we will negotiate a tailor-made policy for you.
Brokers in a Claim Situation?
Your Claims Advocates
We pride ourselves on offering personalized, caring service to our clients. We understand the confusion and stress felt when a loss occurs and will help guide you through the claims process. Unlike agents, we work for you not the insurance company. We will act as your advocate, ensuring you are treated promptly and fairly.
Brokers Continuing Education
A More Knowledgeable Professional
As licensed brokers, we must demonstrate a full complement of technical and personal skills as mandated by the Registered Insurance Brokers of Ontario (RIBO). Established by the Ontario government in 1981, RIBO is a self-governing body that regulates the licensing, professional competence, ethical conduct, and insurance-related financial obligations of all general insurance brokers in Ontario.
To remain licensed, a broker must meet RIBO requirements in daily practice and obtain additional education credits annually. IBAO offers all the programs necessary for brokers to meet those standards.
When you deal with a broker, you deal with a skilled, highly educated professional whose knowledge of the insurance field is comprehensive and current.
CISRO Principles of Conduct for Insurance Intermediaries