Toronto, Ontario Insurance Agency Guide
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Safe Harbour Insurance Services

Updated 2026-07-24 · 1,697 reviewed · 415 listed · Scored from 20 Google reviews · How we rank ›

4.8(20) 73 composite score See reviews on Google ✓ Google-verified
Auto InsuranceBusiness & Commercial InsuranceIndependent Multi-Carrier Broker
Safe Harbour Insurance Services
Services
Auto Insurance, Business & Commercial Insurance, Independent Multi-Carrier Broker
Reviews
20

What recent reviews say

Clients consistently report quick turnarounds on marine insurance quotes and rates well below their previous brokers. Named staff like Allicia, Marykate, and Shem are praised for professional, patient handling of boat and personal watercraft policies. One reviewer was denied a quote for an older vessel due to age, citing concerns about the company's risk aversion.

Praised for
  • fast quotes and turnaround
  • competitive rates
  • knowledgeable staff
  • easy process
  • excellent watercraft coverage
Watch-outs
  • refuses quotes for older boats
  • selective underwriting
responsive-agentfair-pricingknowledgeable-staffeasy-to-reachpersonalized-servicetrustworthy
Best for: Boat and watercraft owners seeking fast quotes and competitive rates.
Think twice if: Older vessel owners may face quote refusal based on age.

Strengths

  • specialist in marine insurance
  • quotes issued within one day
  • rates typically lower than competitors
  • known staff relationships built over decades

Worth knowing

  • Staff named include Allicia, Marykate, Shem, Ashley, and Lisa
  • Quotes typically delivered within one to two days
  • One reviewer noted a claim from 2018 had outdated equipment information that was not adjusted
  • Sailing school with 20+ boats and rescue boats quoted for fleet coverage

What reviews say by service

Auto Insurance
Not addressed in reviews; watercraft focus is primary
Business & Commercial Insurance
Fleet coverage for commercial sailing school operation quoted and offered
Independent Multi-Carrier Broker
Refers clients to alternative carriers when unable to provide coverage

How it compares

  • Rated 4.8 against a 4.08 average across the 263 auto insurance businesses listed here.
  • Has more Google reviews than 60% of the businesses in this directory.

How we scored this

Ranking Method
Star rating 60
Review volume 57
Review recency 100
Review sentiment 70
Profile completeness 100
Verification 30

Rating breakdown

5
18
4
1
3
0
2
0
1
1

Common questions

How quickly do you provide a boat insurance quote?
Reviewers report quotes arrive within one to two days after providing information.
Will you insure an older boat?
The business may decline quotes for older vessels based on age and underwriting criteria.
Do you handle commercial watercraft fleets?
Yes; one client received a quote for a sailing school with over 20 sailboats and rescue boats.

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Last updated 2026-07-24