Insurance Broker Milton

Filip Ambroziak has been insuring Milton residents for many years. From small condos and cars, to large multi-million dollar businesses. As RIBO licensed brokers, we can offer home, auto, commercial and life insurance.

If you have any questions or would like to get a quick quote, you can call Filip Ambroziak at (416) 803 -2113 or email 

Milton Insurance Online.

That’s right, you don’t ever have to leave your home! Quotes, applications and policies all done online through a broker. 

online insurance brokers

Benefits of an Insurance Broker

Milton Insurance Broker

cheapest auto insurance quotes

When shopping around for any type of insurance, things can get complicated. Whether its selecting the right coverages, adding the correct endorsements or choosing the right limits, insurance can drive anyone crazy. This is where a knowledgably and experience insurance broker can help. 

Several Policies maintained under one professional

There comes a time in life where responsibilities such as your job, family and chores begin to pile up. The last thing you want to do is add another yearly job to that list. 

With an insurance broker, all your policies can be maintained by one professional and all questions can be directed to that same broker. If you are looking to make a change to your home, auto, life and commercial policy, it can all be done in one phone call or email. 

The Best Insurance Rates

Insurance as an industry is cyclical. Rates change every several years but generally go in a big circle. Today, one company may offer the best insurance rates in Milton and in five years they may be one of the most expensive due to their claims ratio. 

Since an insurance broker has access to many insurance companies, if one company have extreme rate increases, its very simple to be moved to a new insurance company. 

Multiple insurance Companies

As mentioned previously, an insurance broker has access to several insurance partners. This means when you call a broker for a quote, you are actually receiving the best price from several insurance companies. It saves a lot of time compared to calling companies individually.

Insurance brokers have companies who do not deal with the public and can only be reached through a licensed insurance broker. 

Insurance Expertise

Have insurance related questions? The best person to speak to is a fully licensed insurance broker who can offer expertise or guidance when it comes to your questions. 

If you have any insurance related questions or need a quote, feel free to call Filip Ambroziak at (416) 803-2113 or email

Milton's Commercial Insurance

Milton is also experiencing a boom in new businesses opening up. If you are starting your own business, it is vital to have a proper CGL policy and possibly a commercial auto policy if your business is primarily in a vehicle. 

 Milton is home to many young families. With fair real estate prices, good insurance rates and an overall safe city, Milton is a great city for future growth. 

We provide coverage for: New and existing businesses,, Commercial and personal properties, Properties for rent, High Value Homes, Commercial and personal vehicles and many more! 

 If you would like to discuss your current or future situation with a Milton insurance broker, we will be happy to have a chat with you! You can call or text (416) 803-2113 or email 

Insurance Broker Milton

Frequently Asked Questions

Common insurance related questions

Insurance companies use many different factors when creating an insurance rate. Outside of your individual factors such as your driving history and age, insurance companies use your address to determine the probability of you being involved in an accident based on prior statistics of that area. 

Each insurance company will have experienced different claims ratios which means each company will have completely different insurance premiums for each postal code in Milton. 

To summarize, there is no such thing as “the cheapest insurance company in Milton”. 

This is a very common question we get as insurance brokers. People in Milton want to know how their insurance rates compare to the rest of the Greater Toronto Area. The good news is that from our experience, Milton auto insurance rates on average are much lower when compared neighbours such as Mississauga and Brampton. People who move from Toronto or the surrounding areas to Milton usually notice a decrease in their auto insurance rates. 

When it comes to property insurance rates, Milton is roughly the same when compared to the rest of the GTA. 

When purchasing insurance, you generally have three options, the first is to buy online.

If you understand insurance well and know exactly what you are purchasing, purchasing online can be a good choice. 

The second option is to purchase through an insurance agent. Agents work with only one company and can offer coverage with that specific company. 

The third option is working with an insurance broker. Insurance brokers deal with multiple insurance companies, not just one. They also have access to much more insurance options, not just the common auto and home. Brokers offer insurance for businesses, commercial auto, life, health, travel etc. Contrary to popular belief, purchasing insurance through a broker is not more expensive than buying online. Brokers in many cases are less expensive than purchasing online! 

When insurance brokers say “full coverage” what they mean is the standard liability insurance along with collision and comprehensive coverage. In short, that is the coverage that covers damages to your own vehicle should an accident be your fault. There is usually a $500 or $1000 deductible applied.

Collision and comprehensive insurance is not legally required to drive in Ontario. Third Party Liability is mandatory. 

If you are purchasing a vehicle and financing it, finance companies will require that the car is insured with “full coverage” in order to get the loan. 

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