See the strengths, best fit and practical differences across the Top 3 before opening each complete profile.
At a glance01KRGinsure — Toronto02BFL CANADA — Toronto03Zensurance
Current position#1 in Toronto#2 in Toronto#3 in Toronto
Recognized asExact Toronto brokerage with named commercial leadership, domestic and international commercial scope, special risks and claims capabilityExact Toronto risk-and-insurance office within an industry-specific commercial brokerage platformExact Toronto licensed commercial brokerage with online intake and broker support for small businesses and independent professionals
Best forPrivate-company and complex commercial programsMid-market and complex industry programsSmaller and standardized business risks
Decision fitBuild one signed exposure schedule covering every legal entity, operation, location, contract, asset, revenue, payroll, vehicle, jurisdiction and prior claim · Require side-by-side insurer, form, endorsement, trigger, limit, aggregate, sublimit, deductible, valuation, exclusion, condition, retroactive and reporting-date comparisons · Test representative claims and contract requirements; normalize premium, tax, fees, financing, audit and retained premium, then contract renewal, cancellation, record and transition dutiesBuild one signed exposure schedule covering every legal entity, operation, location, contract, asset, revenue, payroll, vehicle, jurisdiction and prior claim · Require side-by-side insurer, form, endorsement, trigger, limit, aggregate, sublimit, deductible, valuation, exclusion, condition, retroactive and reporting-date comparisons · Test representative claims and contract requirements; normalize premium, tax, fees, financing, audit and retained premium, then contract renewal, cancellation, record and transition dutiesBuild one signed exposure schedule covering every legal entity, operation, location, contract, asset, revenue, payroll, vehicle, jurisdiction and prior claim · Require side-by-side insurer, form, endorsement, trigger, limit, aggregate, sublimit, deductible, valuation, exclusion, condition, retroactive and reporting-date comparisons · Test representative claims and contract requirements; normalize premium, tax, fees, financing, audit and retained premium, then contract renewal, cancellation, record and transition duties
Give each broker the same signed exposure schedule and contract requirements. Compare the actual policy forms, endorsements, triggers, limits, exclusions and claims scenarios—not coverage labels—and verify licensing, markets, complete cost, renewal and transition terms.