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About Us

At ELM, we believe that insurance isn’t just a transaction; it’s about relationships. Our clients are never just numbers to us. They’re individuals with unique needs, aspirations, and challenges.


As an independent brokerage with access to a range of specialized insurance, we pride ourselves on offering that personal touch, ensuring every policy we craft is tailored to the individual. We take a personal interest in your success!

This means taking the time to understand the nuances of operations and construction details, emphasizing our core value of “coverage first.”

Truly Tailored Coverage

Where every policy is a promise, handcrafted to fit your unique needs. Experience the difference in insurance that’s built around you, not the other way around.

Independent Insight

In a world of conglomerate brokerages, we stand apart. Our independence means decisions made swiftly, transparently, and always in your best interest.

More Than Just Insurance

With ELM, you’re not just another policyholder. You’re a valued partner. From our deep construction industry specialization to our personal touch, discover the ELM commitment to your peace of mind.

Our Services

Delivering specialized insurance solutions for both personal and business needs.

Construction Insurance

Protecting your building projects from start to finish. ELM offers specialized insurance for the construction world, making sure every project is covered against unexpected challenges.

  • Commercial General Liability
  • Commercial Property & Auto Fleets
  • Project Specific Wrap-Up Liability
  • Course of Construction (Builder’s Risk) Insurance
  • Contractors Pollution Liability Insurance
  • Contractors Equipment Insurance
  • Excess Condominium Deposit Insurance (ECDI)
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Surety Bonds

Building trust in every deal. ELM’s Surety Bonds provide that extra layer of confidence, making sure projects run smoothly and promises are kept.

  • TARION Warranty Bonds
  • Bid Bonds
  • Agreement to Bond (Surety’s Consent)
  • Performance Bonds
  • Labour & Material Bonds
  • Supply Bonds
  • Lien Bonds
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Commercial Insurance

Knowledge mitigates risk! Whether it’s a factory, warehouse, or office, ELM has the right insurance to protect your commercial interests from unexpected bumps in the road.

  • Commercial General Liability
  • Professional (Errors & Omissions) Liability
  • Directors and Officers Insurance
  • Cyber Liability (Cybersecurity Insurance)
  • Commercial Auto Fleets
  • Commercial Property
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Personal Insurance

Protecting what’s close to your heart. From homes and cars to investment properties and valuable items, ELM offers a tailored insurance solution for your specific needs.

  • Specialty Home & Auto Insurance
  • Personal Excess (Umbrella) Liability
  • Seasonal & Investment Property Insurance
  • Recreational & Collector Vehicle Insurance
  • Yachts, Boats and Personal Watercraft Insurance
  • Unique Collections & Valuables Insurance (Fine Art, Jewelry and Wine Collections)
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Our Mission

Our Mission Is Simple.

To be the trusted insurance arm for businesses and
individuals and to focus on long-term relationships over
short-term gains.

Our Values

ELM Insurance is more than just an insurance provider.

Our decisions are swift, direct, and most importantly, in the best interest of our clients. We prioritize the right coverage for the right needs.

We are your partners in protection, champions of your peace of mind, and guardians of your future. Experience the ELM difference today.

Our Legacy

With over 35 years of experience in the Insurance Industry, Lou Civichino started his career in the business as an underwriter for a leading Canadian Insurance Company. After 10 years on the company side when he became a director, he made the decision in 1989 to leave and become one of the founding members of ELM Insurance Brokers Inc.

ELM stands as a testament to unwavering dedication, technical expertise, and a client-first approach. Over the years, we’ve grown and adapted, but our commitment to personal, genuine relationships and top-tier service has remained steadfast, cementing our reputation as a trusted insurance partner.

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