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Straightforward, Uncomplicated & Impartial Insurance Advice

Protect your business and family with the trusted experience of The Magnes Group






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Learn About The Magnes Group

At Magnes, together with our sister company Wedgwood Insurance in Atlantic Canada, we go above and beyond to identify solutions and present you with options at a fair price.

To some people, insurance is a commodity, not something they really care much about. It’s a common misunderstanding. After all, some insurance brokers will have you believe all insurance is the same. They’ll sell you insurance “just like” everybody else, only cheaper. In our industry, the pursuit of being the cheapest changes everything; the people you hire, the quality of the product you sell, and the service you offer. When price matters most, customers and their well-being become secondary.

At The Magnes Group, we do things differently. With effort and care, we deliver personalized insurance coverage and risk management advice. We serve businesses and individuals who appreciate quality, precision, and value in a way that many other insurance brokerages can’t or won’t. As an independent insurance broker, we pride ourselves on providing straightforward, uncomplicated, and honest advice. We treat others as we would like to be treated ourselves. Not to increase market share but because it’s the right thing to do.

We Make Insurance Easy

Our insurance professionals will help you create a plan that protects what’s important to you. Get started today!

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Call: 800-650-3435 or Email:

Insurance Solutions That Go Above and Beyond

The Magnes Group offers a variety of personal insurance, commercial insurance, and employee benefits solutions to help you protect what matters most.



by Industry


International Business

Risk management strategies across
multiple jurisdictions, worldwide.

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Specialty Program

The protection you need for the
industry you are in.

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Our team of professionals evaluates your costs and exposures to help you gain an understanding of your current situation.

Through innovative and unique solutions, we can help reduce risk management costs and streamline your insurance experience.

We then present options and together partner on a plan aimed at reducing your overall cost of risk.

Our Process

Any broker can quote an insurance premium but at The Magnes Group we go much further. We employ a step by step process to help clients develop a long term risk management vision. Our objective is to help our clients stay competitive in the marketplace and to provide more cost-effective solutions.

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Why We Are Different

What makes our independent insurance brokerage different?

We are:







Canada’s Leading National Insurance Brokerage

Backed by decades of experience and in-depth knowledge of insurance as well as niche and unique industries, we are dedicated to bringing personalized service and top-quality coverage.

Oakville, ON

Head Office

North York, ON

Central Office

Longueuil, QC

Quebec Office

Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.


Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.


Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.


Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.


Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.


Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.


You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.


Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?


An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing financial value and security. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?


Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.


Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.


Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.


If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.


Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.


Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

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What Makes Magnes Great Is You

Hear what our clients have said about the service and insurance from The Magnes Group.

“Excellent customer service, it’s great to talk to a real person, with a name you know, like it should be.”

Johnny R.

“Everyone at the Magnes Group is beyond welcoming, knowledgeable and friendly. I would highly recommend contacting them for any insurance needs.”

Michaela G.

“Wendy Beatty is extremely knowledgeable, capable and resourceful. In addition, we enjoy working with her due to her sunny disposition…making dealing with sometimes dry and staid matters a pleasure.”

Flora All Occasions

Our Partners

As a top performer, we are granted elite access to markets, products, and programs giving us the flexibility to match each client with a quality carrier.

  • AIG
  • Allianz
  • Affiliated Fm Insurance
  • Allied World
  • Arch Insurance
  • AXA XL
  • Axis
  • Beazley
  • Berkley Insurance
  • Berkshire Hathaway
  • BI&I
  • Das Legal
  • Everest
  • GCNA
  • Great American
  • HDI Global
  • Intact
  • Markel
  • QBE
  • RSA
  • Sovereign
  • Tokio Marine
  • Travelers
  • Swiss Re/Westport
  • Zurich

Let’s Get Started

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  2. Step 2Review your options with us.
  3. Step 3Get the coverage you need.

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