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About
Drishti Desai – Insurance Broker
At JSP Insurance and Financial Services, I bring over four years of dedicated experience in the insurance industry, supported by my professional background as an accounting specialist. This unique blend of financial expertise and insurance knowledge allows me to offer clients solutions that are not only comprehensive but also financially sound.
I provide insurance solutions across a variety of industries, with a strong specialization in:
Business Insurance for Electricians, Architects, Contractors, Consultants, and Convenience Stores
Professional Liability Insurance for a wide range of professions, helping safeguard against claims of errors, omissions, or negligence
Commercial Property Insurance to protect physical locations, inventory, and equipment
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Insurance Products
Our insurance products offer robust protection and tailored solutions to secure your financial well-being in any circumstance.
Habitational Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism.
Auto Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Business Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Life Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Health Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Travel Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Habitational Insurance
Habitational insurance covers residential properties like apartments and condos against risks such as fire, theft, and vandalism. It safeguards the owner’s investment and reduces liability risks.
Why Choose Us?
Reliable IOC, a trusted name in Canada’s insurance landscape, offers comprehensive coverage tailored to individuals and businesses alike. With a steadfast commitment to reliability and customer satisfaction, they provide peace of mind through their diverse range of insurance services.
Can I change my health insurance plan during the policy term?
The ability to change your health insurance plan during the policy term typically depends on the specific terms and conditions outlined by your insurance provider. In some cases, you may be able to make changes such as upgrading or downgrading your coverage, adding or removing dependents, or switching to a different plan offered by the same insurer. However, there may be limitations or restrictions, so it’s important to review your policy documents or contact your insurance provider directly for guidance on any potential changes you wish to make.
What factors can affect my car insurance premiums?
Several factors can influence your car insurance premiums, including your driving record, age, location, type of vehicle, coverage options, and deductible amount. Additionally, factors like your credit score, marital status, and annual mileage may also impact your insurance rates. Insurers use these factors to assess risk and determine the cost of coverage.
What does homeowners insurance typically cover?
Homeowners insurance typically covers damage to your home and personal belongings caused by covered perils such as fire, theft, vandalism, and certain natural disasters like windstorms or hail. It also provides liability protection in case someone is injured on your property and you are found legally responsible. Additionally, most policies include coverage for additional living expenses if your home becomes uninhabitable due to a covered loss, allowing you to temporarily live elsewhere while repairs are made. However, coverage may vary depending on the specific policy and insurer, so it’s important to review your policy documents for details.
Does travel insurance cover trip cancellations?
Yes, many travel insurance policies offer coverage for trip cancellations due to unforeseen circumstances such as illness, injury, or death of the traveler or a family member, natural disasters, airline strikes, or other unexpected events. However, coverage may vary depending on the specific policy and the reason for cancellation. It’s essential to review your policy documents carefully to understand what circumstances are covered and any exclusions that may apply.
Is it possible to purchase insurance coverage online?
Yes, many insurance companies offer the option to purchase insurance coverage online. You can typically visit the insurer’s website, fill out an application, and select the desired coverage options. Online purchasing often allows for convenience, comparison shopping, and sometimes even discounts for buying directly from the insurer’s website.
What factors determine the cost of insurance premiums?
The cost of insurance premiums is determined by several factors, including the type of insurance coverage, the insured individual’s risk profile, and the coverage limits chosen. For example, in car insurance, factors such as driving history, age, type of vehicle, and location can influence premiums. Similarly, in health insurance, factors such as age, medical history, and coverage options selected can affect premiums. Insurers assess these factors to determine the level of risk associated with providing coverage and adjust premiums accordingly.