We're Open

Yes, we are open!

Dear valued HUB SmartCoverage client: The ongoing COVID-19 crisis is causing extremely high traffic volume and wait times may be longer than usual. We recommend that you register for online self serve to submit your request. Be sure of one thing, we’ll take care of you!

Western Assurance


About Western Assurance

Western Assurance Company is a subsidiary of the Royal & SunAlliance Insurance Group plc (RSA), which serves as one of the world's largest insurance and financial services conglomerates. Though it is part of the RSA family, Western Assurance actually predates the already well-established RSA, having formed 123 years before it in 1710.

Primarily—though not exclusively—serving an Ontario clientele, Western Assurance's office is located in Mississauga, at the Sheridan Insurance Centre building. In Ontario alone, it has over 100 employees and independent brokers.

Western Assurance operates by having independent brokers distribute the company's products. Clients and potential clients are able to find brokers based in their areas by using a search tool on the company website, or visiting broker websites directly, and obtain quotes.

In addition to providing quotes, Western Assurance's independent brokers provide assistance in a variety of other ways, such as: asking questions to get a more accurate idea of one's needs, providing comparative policy information from different insurance companies, offering advice on the different premium payment plans, assisting in the claims process, and helping to facilitate changes or amendments to an existing policy.

What does Western Assurance cover?

Western Assurance offers various coverages for property and vehicles. To protect possessions not addressed by Western Assurance, clients can look to other RSA companies.

Here's what Western Assurance offers:

  • Auto insurance:  Insuring cars is a specialty of Western Assurance. In addition to the basic policy, clients have the option to pick up additional coverages, like claims protection endorsement, Western Coverage Plus, repair or replacement cost, coverage for a rental vehicle in case of an accident and a claims guarantee.
  • Boat insurance:  Boat owners needn't look elsewhere if seeking to add a watercraft to their Western Assurance policy.
  • Property insurance:  Property insurance policies encompass a wide range of product possibilities, including: regular homes, condos, rented properties, cottages and seasonal dwellings, mobile homes and full-time boat residences.

Ways to save with Western Assurance

Bundling is a great discount option with Western Assurance. On top of paying less for two separate policies, bundling with Western Assurance will, in some cases, eliminate one deductible if claims are filed for both coverages.

Another notable opportunity includes the company’s partnership with AIR MILES. Clients who are also AIR MILES rewards members will receive one mile for every $20 that is spent on insurance products or services, including taxes.