Personal Insurance Products

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Let us help you protect all aspects of your life. We have the customized products and services you need.

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With our full complement of products, we can help you protect all aspects of your life. Regardless of your insurance needs, we take the time and care to ensure you have the custom-made products and services you need.

Individual Insurance

Having the right personal insurance not only protects your property and assets, it gives you peace of mind.

Auto & Vehicle

Automobile Insurance

It doesn’t matter if you have an economy, mid-range or luxury car, you need insurance. However, what you’re looking for in terms of auto insurance may vary depending on the type of car you drive. We can help you understand all your options and find you the best coverage possible. Plus, when your policy is up for renewal, we’ll let you know if there’s better coverage.


Antique & Collector Vehicle Insurance

Do you collect or rebuild old cars? Once an antique or classic car is road worthy, it can be a substantial asset. To protect these extraordinary automobiles, you’ll need the right insurance. Let us find you the best coverage to safeguard your prized vehicles.


ATV, Snowmobile & Motorcycle Insurance

It doesn’t matter if it’s an ATV, a snowmobile or a motorcycle, you like to ride. Since this passion comes with risk, you need reliable insurance. Wherever you are – in the wilderness, on snow trails or on the wide open road – we work hard to find you the coverage you need.


Power & Sail Boat Insurance
When you’re enjoying a carefree day on the water, it’s hard to imagine anything could go wrong. But boating accidents do happen. Having insurance protects your vessel and you from the costs of accident-related damages and injuries. With more than 35 years of insurance experience, we have the expertise and connections to navigate your coverage requirements.


Motorhome, RV & Trailer Insurance
Having a luxury motorhome, a camper van or a tent trailer lets you hit the road when and where you want. Don’t let an accident get in the way of your freedom. Our team of experts can set you up with insurance that covers the costs of damage and personal property. We want you to enjoy your adventure, worry-free.


Home & Dwelling

Condo Insurance

A huge benefit of owning and living in a condo is that it’s relatively low maintenance. However, one thing that’s not taken care of is your insurance. Your condo association’s policy most likely won’t cover your individual unit or your possessions in the case of fire, water damage or theft. We can work with you to tailor the coverage you need.


Tenant Insurance
As a renter, you need insurance to protect your possessions. In the case of a flood, fire or other disaster, your landlord’s policy only covers the costs to repair their property. Your clothing, electronics, paintings, jewelry and other personal items aren’t covered. Let us help you protect the things that make your rental feel like home.


Dwellings Under Construction Insurance
Are you planning on building a new home or doing some significant renovations on your existing home? We can help you put a Dwellings Under Construction policy (also known as builder’s risk) in place to cover any costs associated with vandalism or theft during the construction phase. You’ve dreamed, planned and saved for this project – don’t let anything slow it down.


Homeowner’s Insurance
Your home is more than an asset or an investment. It’s the place where you feel safe, protected and loved. It’s the centre of your life. Let us help you protect what really matters with a custom, comprehensive homeowner’s policy. If the worst were to happen, we can ensure you have the coverage to replace your possessions and rebuild.


Home-Based Business Insurance
If you work from home, or you’re thinking about it, you need to understand the additional risks associated with running a home-based business. Your homeowner’s policy won’t cover risks such as customer lawsuits, inventory theft and equipment damage. And, perhaps even more important, your business activities could void your home insurance. We’ll work hard to find you coverage that mitigates these risks and more, at a cost that makes sense.


Out-of-Country Property Insurance
Are you planning on leaving the country for an extended period of time? Did you know that if you’re gone for more than 30 days, your home insurance could be voided? By exploring all of your options, we can help you create a customized coverage solution that protects your property while you’re on your adventure.


Rental Property Insurance
As a landlord, you know how much work goes into maintaining a rental property. There are also many risks (vandalism, malicious acts, theft, flooding, extreme weather, fires) associated with owning this type of property. To safeguard your investment, you need Rental Property Insurance. By providing tailored protection, we can help you rent out your property with confidence.


Seasonal Dwelling Insurance
Wherever your vacation property may be, it’s the one place in the world where you can go to get away from everything. The only problem is that you can’t be there all the time. That exposes you to risks such as vandalism and theft. We can provide you with customized protection to address all the threats associated with owning a vacation property.


Vacation Property Insurance
Wherever your vacation property may be, it’s the one place in the world where you can go to get away from everything. The only problem is that you can’t be there all the time. That exposes you to risks such as vandalism and theft. We can provide you with customized protection to address all the threats associated with owning a vacation property.


Water Damage Insurance
It seems that our weather is getting more extreme with storms that inflict excessive damage. In fact, water is one of the biggest threats to your home. With our vast network, we can offer you protection from a variety of water related risks. You can trust us to find the best coverage for you and your property.


Identity, Cyber & Umbrella Liability

Cyber Risk Insurance
Due to our incredible reliance on technology, we are all exposed to cyber risks. Anyone can be a target of ransomware, identity theft or cyberbullying. Our team has extensive experience in this area. We can recommend ways to protect you and your family, put coverage in place to compensate for any loss, and, after an attack, we can put our expertise into action to help you recover. Cyber Risk Insurance isn’t only for businesses – it’s for you and your family.


Identify Theft Insurance
The collateral damage of identity theft can be financially and emotionally devastating. We fully understand how this theft can impact your life – cleared out accounts, personal information used fraudulently, collection notices and ruined credit ratings. We want to ensure you’re protected. You can trust us to give you reliable advice and to put the right coverage in place for you and everyone in your household.


Personal Umbrella Liability
You don’t need to be a high-net-worth individual to be sued but, the more assets you have, the more susceptible you are to this risk. And, believe us, one lawsuit can change everything. If you’re held responsible for an accident or an injury, the settlement could be more than what your home or auto insurance covers. Our team will examine your exposures thoroughly and recommend the proper Personal Umbrella Liability to add to your existing policies. Let us help you protect your lifestyle.


Collections & Travel

Collections Insurance
What you collect – rare coins, valuable antiques, sports memorabilia – is important to you. Your special collection could also be extremely valuable. But your homeowner’s insurance may not give you the coverage you need to protect these precious objects. We can help you safeguard your unique collections by finding you the specialized insurance you require.


Fine Art, Furs & Jewelry Insurance
If you have valuable items in your home, you may assume that they are protected for damage, theft or loss through your homeowner’s policy. The truth is, your home insurance most likely won’t cover you fully for items such as fine art or precious jewelry. Through our immense network, we can find you comprehensive, tailor-made insurance. Even though we can’t replace the emotional value of these cherished items, we can make sure their true monetary value is covered.


Out-of-Country Medical Insurance
You’re going to live or work outside of the country for at least a year! It’s something you’ve always wanted to do and you’re excited to start your adventure. But, have you thought about your health care while you’re abroad? Not to worry, we can help you build a custom plan that addresses all your (and your family’s) needs. We want you to savour all the experiences that global citizenship provides.


Travel Insurance
Are you counting down the days until your big trip? If you haven’t thought about Travel Insurance yet, you should. From the time you booked your trip until you return home, anything can happen. We can help you prepare for the unexpected with coverage that takes into account every aspect of your vacation. Our objective: For you to fully enjoy your adventure, worry-free.


Wine Collection Insurance
You’ve spent years collecting wine from around the world, of every vintage and every price. For you, wine is not only a passion, it’s an investment. If your inventory is worth more than $1,000, we can help you obtain additional insurance to safeguard its true value. Our knowledgeable team ensures that what you’ve spent a lifetime building is protected.


Life & Living Benefits

You can’t predict the future, but you can be prepared for it. Protect what matters most – your family, income and lifestyle.

Sometimes the unexpected happens. Loss of life, serious illness or unforeseen injury can have a significant financial impact. In the case of your untimely death, life insurance can provide financial security for your loved ones. Life benefits such as Critical and Disability Insurance can replace much needed income, while Individual Health Insurance can pay for expenses not covered under provincial health plans. Our team will work with you to make sure you’re prepared to face the future.

Critical Illness Insurance

If you’re diagnosed with a critical illness, you’ll need to focus on your health and recovery – not your finances. Critical Illness Insurance provides a tax-free, lump-sum payment for covered conditions. And, you can use this money any way you choose:

  • Replace lost income
  • Pay your bills
  • Cover medical expenses or alternative treatments
  • Hire somebody to look after you
  • Even go on holiday with your loved ones

Work with our team to find the coverage that’s right for you. And, if you ever need to make a claim, we’ll ensure you’re paid promptly.



Disability Insurance

If you suffer from a physical or mental condition that limits your movements or activities, you might not be able to work. By finding the appropriate Disability Insurance solution for you, we can safeguard your income, savings, investments and assets. Be prepared for a disability before it happens.


Individual Health Insurance

Individual Health Insurance can help you pay for medications, glasses or even a hospital stay. Similar to group benefits plans offered through an employer, this type of insurance pays for medical expenses not covered under provincial plans. Let our expert team help you determine your health insurance needs.  We’ll then find you the tailored coverage to keep you and your family healthy.


Life Insurance

Life Insurance makes it easier for the people you love to manage financially without you. It can help them pay funeral costs, legal fees, mortgages, taxes and other bills. It can also help them maintain their lifestyle. This insurance is a critical part of being prepared for the future — let us help you get the coverage you need.


The ways we protect your business and life

Signature Service

We know you have complex insurance needs. Let us safeguard your high value assets.


Personal Insurance Products

Customizable options to protect what matters most to you.


Group Home & Auto Program

Save 40% on home and auto insurance through our group insurance program.


Frequently Asked Questions

Additional Coverage Options for Hamilton Drivers

Together with standard car insurance, some Hamilton drivers may want to add additional coverages to their automobile policy. For example, some popular optional coverages in Hamilton include collision coverage, comprehensive coverage, accident forgiveness coverage and all perils coverage. Let’s break these down further below:

Collision coverage

Should you be involved in a collision, either with another vehicle or an object on the road, collision coverage helps cover the costs of repairing or replacing your vehicle. No matter who is at fault. 

Comprehensive coverage

Comprehensive coverage protects your vehicle from situations other than accidents, like vandalism, theft, fire, water damage and more. Your insurer will help cover the costs of repairing or replacing your vehicle. 

Accident forgiveness coverage

By adding accident forgiveness to your insurance policy, it can protect your driving record and help prevent a rise in your insurance premiums if you are deemed at fault for a car accident. 

Save Money on Hamilton Automobile Insurance

Are you interested in learning new ways to save money on your car insurance? The team at Lawrie Group Insurance has put together a list of tips to help you start saving right away.

Consider increasing your policy deductible

As a general rule in the insurance industry, the higher your deductible is, the lower your insurance premiums will be. Even just increasing by $500 to $1,000 can make a significant difference. This is because the more you are able to pay upfront after submitting a claim, the less an insurance company will need to pay out. 

Bundle your policies together

Insurance companies like to reward loyal customers who own multiple policies with them by offering discounts on each policy. An insurance broker can help you determine the best insurance provider for bundling your policies together, like your automobile and home insurance. 

Ask about a multi-car discount

When you insure multiple automobiles with the same provider, you will likely receive a discount for each vehicle. You can either insure multiple cars under the same policy or own individual policies for each car, such as standard auto insurance for one and antique and collector vehicle insurance for another. Either way, if you have multiple cars, make sure you take advantage of those savings!

Third-party liability coverage 

Third-party liability insurance protects you should you get into an accident that injures another person or results in property damage to another person’s property. It covers the costs of any legal or court fees, associated medical expenses and repairs of a damaged car. Ontario requires you to carry a minimum of $200,000 in third-party liability coverage.

Direct compensation - property damage coverage

If you are in an accident but not at fault, direct compensation coverage protects an insured car and its contents by covering the costs of any property damage, such as repairing or replacing a vehicle. 

Uninsured automobile coverage

Should you be involved in an accident with an underinsured or uninsured driver who is deemed at fault for the collision, this coverage will kick in to cover any associated medical expenses due to injuries, as well as car repairs, lost wages and more. It also kicks in if you are involved in a hit-and-run.

Accident benefits coverage

Accident benefits coverage kicks in to help cover lost income and medical expenses, regardless of who is at fault, if you, a passenger or a pedestrian are injured in a collision. Medical expenses include prescription medications, physical therapy, rehabilitation and more.

Contact Lawrie Group Insurance to learn more about Hamilton automobile insurance

Ready to purchase automobile insurance in Hamilton? Contact Lawrie Group Insurance today. One of our dedicated insurance brokers can answer any questions you may have and even provide you with an estimate. Quality home insurance brokers in Hamilton are just a phone call away. We look forward to hearing from you!

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