Editorial policy

Who writes the content

Every coverage page and guide on brokersuneet.com is published under the name of Suneet Sharma, a R.I.B. (Ontario) Licensed Insurance Broker brokered through Unibrokers. The content draws on day-to-day work quoting, placing and servicing commercial and personal policies for Ontario clients, and on helping clients through claims — the practical questions people actually ask, answered the way I’d answer them on the phone.

How content is reviewed and fact-checked

• Licensed-broker review. Each page is reviewed by a licensed Ontario insurance broker before it is published, and the reviewer and date are shown at the top of the page.
• Checked against primary sources. Coverage explanations are checked against standard policy wordings and the guidance published by Ontario’s regulators and industry bodies (listed below) — not against other marketing websites.
• No invented numbers. Insurance prices depend on your specific risk, so we explain what drives a price rather than quoting averages we can’t stand behind. Any figure that is used is attributed to its source.
• Kept current. Pages are reviewed when rules or the market change, and at least once a year. Every page shows a “Last updated” date so you can see how fresh it is.
• Tools, with human sign-off. Writing and research tools may help draft or organise content, but nothing is published until a licensed broker has reviewed it for accuracy.

Sources we rely on

• Financial Services Regulatory Authority of Ontario (FSRA) — regulates insurers and publishes consumer guidance, including the Auto Insurance Consumers’ Bill of Rights.
• Registered Insurance Brokers of Ontario (RIBO) — licenses and regulates Ontario insurance brokers.
• Insurance Bureau of Canada (IBC) — industry consumer information on home, auto and business insurance.
• General Insurance OmbudService (GIO) — independent dispute resolution for consumers and insurers.
• Government of Ontario — legislation and regulations that govern insurance in the province.

Independence — and how I’m paid

I’m an independent broker, which means I work for you rather than for a single insurance company, and I compare coverage from 12+ of Canada’s top-rated insurers. Like most Ontario brokers, I’m typically paid a commission by the insurer that issues your policy; that’s built into the premium rather than charged on top. If a broker fee ever applies to your file, it’s disclosed to you in writing before you buy. No insurer pays to be mentioned or recommended on this website, and recommendations are based on your needs, not on which company pays more.

What this content is — and isn’t

The guides on this site are general information to help you understand your options. They aren’t advice for your specific situation, and they don’t change what any policy says. What’s covered always depends on the actual policy wording, limits, deductibles and exclusions on your contract. For advice on your own coverage, ask for a quote or review and I’ll look at your situation directly.

Corrections

If you spot something that’s out of date or wrong, please tell me at suneet.sharma@unibrokers.ca or +1 437-474-1333. Corrections are reviewed promptly; when a page is changed, its “Last updated” date changes with it.

Regulation and complaints

• Licensing. I’m registered with the Registered Insurance Brokers of Ontario. You can confirm any broker’s registration through RIBO.
• A concern about my service. Please contact me first so I can put it right. If it isn’t resolved, complaints about a broker can be made to RIBO.
• A dispute with an insurer about a claim. Use the insurer’s internal complaint process first; if it isn’t resolved, the General Insurance OmbudService offers free, independent dispute resolution. FSRA oversees how insurers conduct business.