General insurance information
The content on westoakinsurance.ca explains insurance topics in general terms. It is not a complete description of any policy and does not account for every person’s property, vehicles, business, contracts, history or risk tolerance.
Coverage varies by insurer and policy. The issued policy, declarations, endorsements, limits, exclusions and applicable law determine whether a claim is covered. If this website differs from an insurance contract, the contract governs.
No quote, binder or coverage change
Website content is not a quotation or offer to insure. Submitting an inquiry does not bind, renew, amend or cancel coverage. A quotation remains subject to accurate information, insurer requirements and approval.
Do not request an urgent coverage change only through a website form or email. Contact an authorized representative and obtain confirmation. Unless confirmation is provided, assume the requested change has not taken effect.
Availability and underwriting
Examples of coverage are not promises that a particular insurer, limit, endorsement or premium is available. Insurer appetite and terms can change, and some risks require specialty markets. Recommendations can be made only after relevant facts have been reviewed.
You are responsible for giving complete and accurate information, reviewing application answers and reading policy documents. Report errors and material changes promptly.
Not legal, tax, accounting or safety advice
Insurance discussions can involve contracts, regulations, taxes, building standards, cybersecurity and safety. Website content does not replace advice from a lawyer, accountant, engineer, cybersecurity professional, regulator or other qualified specialist. Insurance does not authorize an activity or remove a legal duty.
Sources and external websites
Westoak links to primary and industry sources to help readers verify important statements. External information can change after a page is reviewed. Westoak does not control third-party websites or accept responsibility for their content, availability or privacy practices.
Claims and emergencies
This website is not an emergency or claims-reporting service. In an emergency, contact the appropriate emergency service. For a loss, follow the reporting instructions in the policy and contact the insurer’s claims service or Westoak promptly. Take reasonable steps to protect people and prevent further damage when it is safe and lawful to do so, but do not admit liability or negotiate a settlement without appropriate advice.
Questions
For advice based on your circumstances, contact Westoak at info@westoakinsurance.ca or 416-729-5252. See the Terms of Use and Privacy Policy for additional website conditions.