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Licensed P&C Insurance Broker · Ontario

Protection Built Around Your Life & Business

I work for you — not the insurance companies. As an independent broker serving Ontario, I find the right coverage at the right price across personal, commercial, and high-value specialty lines.

RIBO Licensed
Independent Broker
Multiple Insurers
Chad Kless
P&C Insurance Broker · Oracle RMS
5+
Years Experience
500+
Clients Served
20+
Insurer Partners
5.0★
Client Rating
Auto Insurance Home Insurance Commercial Lines High-Value Homes Specialty Risks
What I Cover

Comprehensive Coverage for Every Need

From everyday personal coverage to complex commercial and specialty risks — I bring you competitive options from multiple top-rated insurers.

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Personal Insurance

Protecting what matters most — your home, car, and belongings with comprehensive, tailored coverage.

  • Home & tenant insurance
  • Auto insurance
  • Condo insurance
  • Umbrella & liability
  • Seasonal & cottage
Learn more →
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Commercial Lines

Protecting your business from the risks that could disrupt operations, assets, and revenue.

  • Commercial property
  • General liability
  • Professional liability (E&O)
  • Commercial auto fleet
  • Business interruption
Learn more →
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High-Value & Specialty

Sophisticated coverage for exceptional assets and clients who require more than standard policies.

  • High-value homes & estates
  • Luxury & collector vehicles
  • Fine art & valuables
  • Watercraft & marine
  • Directors & officers
Learn more →
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Specialty & Niche Risks

Hard-to-place risks handled with expertise, market access, and creative solutions.

  • Cyber liability
  • Construction & builders risk
  • Errors & omissions
  • Agricultural & farm
  • Non-profit organizations
Learn more →

Your Advocate — Not the Insurer's

1

Independent & Unbiased

I'm not tied to any one insurer. I shop the full market on your behalf to find the best coverage and price for your specific situation.

2

Personalized Service

You deal directly with me — not a call centre. I take time to understand your needs and be there when you need to make a claim.

3

RIBO Licensed & Regulated

Fully licensed under the Registered Insurance Brokers of Ontario, so you can trust you're working with a qualified professional.

4

Claims Support When It Matters

My job doesn't end at the sale. When you have a claim, I advocate on your behalf every step of the way.

Market Access

Click any insurer to visit their website
+ additional specialty market partners
How It Works

Simple. Transparent. Fast.

Getting the right coverage is easier than you think. Here's what to expect when you work with me.

1

Tell Me Your Needs

Fill out the quick form or call me directly.

2

I Shop the Market

I reach out to multiple insurers for competitive rates.

3

Review Options

Clear, easy-to-understand comparisons presented to you.

4

Get Covered

I handle the paperwork. Often covered same day.

5

Ongoing Support

Annual reviews, claims help, and policy updates for life.

What Ontario Clients Say

Real experiences from homeowners, business owners, and families across Ontario.

Ready to Get the Right Coverage?

Fill out the form and I'll be in touch with options tailored to your needs. No obligation. No pressure.

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BrokerageOracle Insurance Risk Management Services Inc.
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Head Office100 Drumlin Cir, Concord, ON L4K 3E5
RIBO Licensed BrokerRegistered Insurance Brokers of Ontario · Oracle Insurance Risk Management Services Inc.
Request a Free Quote
Tell me what you're looking for and I'll get back to you promptly.
Coverage Across Ontario

Serving Clients Across the Province

Based in Toronto, I work with clients across all of Ontario — from the GTA to smaller cities and communities province-wide.