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Professional brokers providing SMART policies for your profession.

July 9, 2020 COVID-19 Update – Appointments required to see a broker. For more information please click here to visit our COVID-19 Update.

Buy Tenants Insurance Online

Quote and Buy Instantly

We are Ontario’s first broker lead online platform for Tenants insurance. Get multiple prices instantly with the option to purchase. Your one stop shop for getting tenets insurance prices.

Speak to an Expert

Speak to an actual expert.

Our broker platform not only makes buying tenets insurance easy but allows your broker to be more available to speak with. We can answer your questions, review your coverages, and help you when you need to because the portal is doing the paperwork.

Insurance Brokers have your best interest in mind!

The power of a broker

Why buy your tenant’s insurance directly from the insurance company? You lose the power of the broker to advocate for claims and look after your renewal. Do National insurance companies have your best interest in mind?

Program Perks with Advantage Insurance

Enjoy the perks of programs.

Our brokerage focuses on program insurance. We can secure better rates and coverages by specializing in tenents and condo and insurance because we have focused our experience in this under-served segment.

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Annual Premiums available


Offering coverage for individuals renting room/chairs to advanced medical spas.


$1,000,000 in liability

$15,000 per loss for special belonging

$25,000 Personal Belonging coverage

Full Sewer Back up

Full Fire and Smoke Damage



$15,000 per loss for special belonging

$30,000 in personal belongings

Full Sewer Back up

Full Fire and Smoke Damage

Additional living expenses



$25,000 per loss for special belonging

$50,000 in personal belongings

Full Sewer Back up

Full Fire and Smoke Damage

Additional living expenses 

Claims Forgiveness


Learn about the 3 primary coverages for Tenants Insurance

Belongings Insurance


Your STUFF Coverage, ever take a moment and actually think about the value of all of your belongings and how much it would be to replace all of them? This is exactly what tenets insurance is for. We replace your personal and treasured personal items. From socks to the kitchen sink

Tenants Insurance


Accidents happen, and did you know that you could be sued for it personally? From accidents on your premise like a slip and fall or you damaging someone else’s property. This aspect of tenant insurance is usually never thought of but ever so important.

Additional Living Expenses Coverage


Imagine disaster has struck the place where you cook, sleep, put your feet up, has been destroyed!  What do you do now? Where are you going to sleep tonight? Where are you going to shower for work tomorrow etc? Additional living expenses will quickly become your favourite part of your tenets insurance policy. It looks after alternative accommodations and extra costs now that you have been removed from your home.


Why having tenets insurance is critical to you


Property Coverage

Water, Water Everywhere

See how the neighbouring unit causes a Day Spa to be damaged and closed for a month during repairs.


Professional Liability


While rushing to complete a service, an esthetician misreads a client’s file causing a burn on their face due to an allergy


Commercial General Liability

Downward Dog Hits Yoga Student

Dogs playing pool hit a yoga student on the head.

Frequently Asked Questions

The phrase “Act of God” is an old insurance term used to describe claims that are natural and NOT human-based. Tenet’s insurance is written that includes everything, then we exclude coverages specifically.

Jewelry is not automatically covered. This automatically excluded coverage keeps your tenets insurance policy low. Jewelry is a very personalized item with some tenents not having any, so this allows you to select custom limit with our policy.

Your policy covers you from claims happening IN your residence, such as a guest falling down your stairs or a delivery person slipping, and it protects you internationally for property damage that you could inflict.

The landlord’s insurance policy protects their assets. The building itself, rental income from the tenants, and some cases, more permanent appliance (think shared laundry). Your tenets insurance protects your personal property.

When you start to add up your clothing alone, could you really pay for it all again out of pocket? When you factor in the low cost of tenets insurance and small deductible, how can you afford NOT to?

Natural disasters are very broad, especially in Canada. From snowstorms and hail to earthquakes on the west coast. It is imperative you refer to your wordings and talk to your broker about what you are anxious about. As natural disasters are often excluded and then brought back into a policy uniquely to them.

beauty insurance quotation symbol

The Founders

Chris Stark, RIBO

Chris Stark the Beauty Broker

Chris Stark and David Stark. Obviously a father & son team they have always had a knack for creating what the insurance industry calls “program insurance”. They take a niche segment of insurance, like Tenets, renters, and condo’ and modernize it. By applying technology, 21st-century communication, and increased coverage they have taken this segment of Ontario renters & tenets insurance and propelled it the modern era.

David Stark, RIBO

With Chris’s communication skills via multi platform channels and David’s insurance and technology skills. Yes, the old one is in charge of development! We have partnered with a Canadian Technology company to develop Tenents-insurance.com an online information source, quoting engine and instant purchasing tool. 

David Stark, RIBO

Giving You An Insurance ADVANTAGE!

We know there are lots of brokers giving you options for insurance. Let us give you these Advantages:
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Exhale Insurance

Our digital-driven insurance company. Exhale is a leader in tenents and condo insurance

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SGI Insurance

Get the expertise of an insurance company that is over 75 years protecting you where you live

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We are so excited to have partnered with a network of landlords that promote our product.

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