Compare coverage and get protected with trusted Canadian providers. Getting insurance in Ontario after cancellations, claims, or a non-standard risk profile can feel overwhelming. At Regal Insurance, we specialize in helping individuals and businesses secure high risk insurance by connecting you with insurers who understand complex situations. Whether you’ve been declined coverage, labeled high risk, or need specialty protection, we’re here to help.
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Regal Insurance is your trusted Ontario high risk insurance broker, working independently to help you find coverage when standard insurers may not. We compare rates from specialized Canadian providers to match you with the best policy for your situation, risk level, and budget.
Whether you need high risk auto insurance, property insurance, or commercial coverage, we’ll guide you through your options and help you get protected.
Call or email us to get your free Ontario high risk insurance quote today.
From high risk drivers to properties and businesses with increased exposure, Regal Insurance offers specialized solutions to help you secure the coverage you need. Explore our high risk insurance options below.
Coverage for drivers with tickets, accidents, suspensions, or prior cancellations, helping you get back on the road.
Protection for homes that may be difficult to insure due to claims history, location, or property condition.
Customized coverage for businesses operating in higher-risk industries or with complex insurance needs.
Finding high risk insurance in Ontario doesn’t have to be stressful. At Regal Insurance, we specialize in complex cases and make it easier to compare quotes and secure the coverage you need. As an independent brokerage, we work with a wide network of insurers, including those that focus specifically on high risk clients.
We take the time to understand your situation and explain your options clearly, helping you move forward with confidence and the right level of protection.
Our licensed brokers live and work right here in Ontario, providing ongoing support through policy changes, renewals, and claims. We’re here to help you stabilize your insurance profile and, where possible, transition back to standard markets over time.
Proudly serving individuals and businesses across Ontario, including Kitchener and London to Mount Brydges, Cambridge, and Oakville, we’re committed to helping you get covered, no matter your situation.
About UsConnect with our brokers for customized insurance solutions that outdo big providers. Specializing in Ontario commercial insurance, we compare Canada’s top insurers to ensure you receive the right coverage at the best possible price.
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High risk insurance in Ontario is designed for individuals and businesses who may not qualify for standard coverage due to past claims, cancellations, or elevated risk factors. While it may come with higher premiums or stricter terms, it provides essential protection when traditional insurers may decline coverage.
At Regal Insurance, we help you understand your options and secure the right coverage so you can move forward with confidence, no matter your situation.
Protects you if you’re held legally responsible for causing injury to others or damage to their property. This is a core component across high risk auto, property, and commercial policies, helping cover legal fees, settlements, and claims.
Provides protection for physical assets such as your home, building, or business property. Coverage applies to risks like fire, theft, and certain types of damage, depending on the policy and insurer.
For high risk auto policies, this coverage provides compensation if you’re injured in an accident, regardless of fault. It can include medical care, rehabilitation, income replacement, and other recovery-related expenses.
Covers personal belongings or business contents against insured risks. In high risk policies, limits and conditions may be more restricted than standard policies.
Increase your liability protection beyond minimum requirements for added financial security, especially important in higher-risk situations.
For high risk drivers, these optional coverages protect your vehicle against collisions, theft, vandalism, and weather-related damage.
Optional protection for risks like sewer backup or overland water, which may be limited or excluded in high risk property policies.
For high risk commercial policies, this helps replace lost income if your business operations are disrupted due to a covered claim.
Covers sudden and accidental failure of mechanical or electrical equipment, which can be especially valuable for high risk commercial operations.
High risk insurance is often customized with endorsements tailored to your specific situation, whether that’s a vacant property, prior claims history, or specialized business operations.
We partner with Canada’s top insurance providers so you can compare quotes side by side, choose the best coverage for your needs, and lock in a competitive rate, without the hassle.
High risk insurance can be more expensive, but there are still ways to reduce your premiums over time. Regal Insurance helps you take practical steps to improve your profile and lower costs where possible.
Over time, maintaining a clean record, avoiding claims, and demonstrating stability can help you move back into standard insurance markets with lower premiums.
Combining multiple policies, such as auto and property, can unlock discounts even within high risk insurance programs.
We’ll help you balance affordability with protection by selecting coverage limits and deductibles that suit your situation.
Opting for a higher deductible can help reduce your premium, as long as it aligns with your financial comfort level.
Installing security systems, maintaining your property, or taking defensive driving courses can demonstrate reduced risk and may lead to savings.
Your situation can improve over time. We’ll reassess your policy at renewal to identify opportunities for better rates or transitioning to standard coverage.
Want to learn more about high risk insurance or how to lower your premiums? Visit our Help Centre for insights on rebuilding your insurance profile, understanding policy restrictions, and finding better coverage options. We’re here to help you get back on track with the right protection in place.
Already a Regal Insurance Brokers client? Access the tools you need—fast. Whether you want to file a claim, update your policy, or speak with your broker, we make it easy to stay protected and informed.
Get step-by-step guidance and support when you need it most. Start your claim online or speak to an expert.
Pay your premium with confidence using our secure online payment system.
Log in to view, download, or print your policy documents whenever you need them.
Book a time that works for you to speak with a Regal advisor—virtually or face-to-face.
High risk insurance refers to coverage for individuals or businesses that may not qualify for standard insurance due to factors such as prior claims, traffic violations, policy cancellations, lapses in coverage, or operating in higher-risk environments. It provides access to protection when traditional insurers may decline coverage.
You may be considered high risk if you have a history of at-fault accidents, speeding tickets, DUI convictions, insurance cancellations, or gaps in coverage. For property or commercial insurance, risk factors may include frequent claims, vacant properties, or high-risk business operations.
Yes. Even if you’ve been declined or non-renewed by standard insurers, specialty high risk insurance providers may still offer coverage. At Regal Insurance, we work with both standard and specialty markets to help find solutions for difficult-to-place risks.
High risk insurance typically costs more than standard coverage because insurers are taking on a greater level of risk. However, premiums vary based on your situation, claims history, coverage type, and risk factors. We shop multiple providers to find the most competitive rate available to you.
Yes. As your driving record, claims history, or property risk profile improves, you may become eligible for lower premiums or a transition back into standard insurance markets. Maintaining a clean record over time is one of the best ways to reduce your rates.
Coverage depends on the policy type but typically includes liability protection, property coverage, and optional add-ons such as collision, comprehensive, water damage protection, or business interruption coverage. Limits and availability may vary based on risk level.
Yes. High risk insurance is available for both auto and property needs. Whether you are considered high risk as a driver, homeowner, landlord, or business owner, we can help tailor coverage across multiple policy types.
You may be able to reduce your premiums by maintaining a clean record, increasing your deductible, bundling policies, installing safety or security features, and regularly reviewing your coverage. Over time, improving your risk profile can also help reduce costs.
The duration depends on the reason for your classification. For example, driving convictions typically affect your record for several years, while insurance cancellations or claims history may impact your profile until sufficient time has passed without incidents.
Working with an experienced broker is highly recommended. High risk insurance often requires access to specialty markets and carriers that are not available directly to consumers. A broker can help you compare options and secure appropriate coverage.
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