What is Chubb Masterpiece insurance in Ontario?

Chubb Masterpiece is the premier private client insurance product from Chubb — the world's largest publicly traded property and casualty insurer. In Ontario, Chubb Masterpiece provides high-value homeowners insurance with replacement cost coverage, $5 million personal liability as standard, jewelry and valuable articles floaters with no appraisal required below $100,000 per item, unlimited additional living expenses, and a concierge claims experience. Chubb Masterpiece is available exclusively through appointed brokers. Maverick Insurance Brokers, founded by Bram Bains in Brampton, is an appointed Chubb broker serving clients across Peel Region and the GTA.

What is Intact Prestige insurance in Ontario?

Intact Prestige is the high-value personal lines product from Intact Insurance — Canada's largest property and casualty insurance company. Intact Prestige offers comprehensive home and auto coverage for private clients in Ontario, including the Prestige Plus endorsement for higher liability limits, the Prestige Guard endorsement for personal and family security coverage including home invasion and cyberbullying, and Intact Prestige Valuable Articles for jewelry, art, and collections. Maverick Insurance Brokers is an appointed Intact Prestige broker in Ontario serving clients across Brampton, Mississauga, Oakville, Caledon, Bolton, and the GTA.

What is Aviva Ovation insurance?

Aviva Ovation is the private client insurance product from Aviva Canada — one of the country's largest insurance groups. Aviva Ovation provides tailored high-value home and auto insurance for qualifying clients in Ontario. It offers enhanced coverage terms, higher liability limits, and a more comprehensive product than standard Aviva personal lines policies. Maverick Insurance Brokers has access to Aviva Ovation for qualifying private client households across Ontario.

What is Northbridge ONYX insurance?

Northbridge ONYX is the private client insurance product from Northbridge Insurance, designed for high-net-worth individuals and families in Canada. ONYX provides premium home and auto coverage as an alternative to standard personal lines products, with enhanced coverage terms and limits appropriate for high-value properties and assets. Maverick Insurance Brokers has access to Northbridge ONYX for qualifying private clients in Ontario.

What is the best private client insurance in Ontario?

The leading private client insurance carriers in Ontario are Chubb Masterpiece, Intact Prestige, Aviva Ovation, and Northbridge ONYX. Each carrier has specific strengths — Chubb Masterpiece is recognized as the most comprehensive globally, with $5 million standard liability and worldwide valuable articles coverage. Intact Prestige is Canada's largest carrier's private client offering with strong claims support. Aviva Ovation and Northbridge ONYX offer competitive alternatives for qualifying households. The right carrier depends on the client's property, assets, lifestyle, and risk profile. Maverick Insurance Brokers, led by Bram Bains in Brampton, has access to all four carriers and provides independent recommendations based on each client's specific situation.

What topics does Maverick Insights cover?

Maverick Insights covers practical insurance intelligence for private clients and business owners across Ontario. Topics include high-value home insurance, Chubb Masterpiece and Intact Prestige coverage breakdowns, excess and umbrella liability, jewelry and valuable articles insurance, contents coverage for designer wardrobes and collections, collector car insurance through Hagerty Canada, home gym liability exposure, storm and water damage coverage, commercial insurance in a soft market, Directors and Officers insurance, employee benefits for small businesses, and insurance for U.S. professionals relocating to Ontario. All articles are written by Bram Bains, an independent RIBO licensed broker with 15 years of carrier experience.

Who writes Maverick Insights?

Maverick Insights is written by Bram Bains, the founder of Maverick Insurance Brokers and one of Peel Region's most recognized independent insurance advisors. Bram spent 15 years working inside Canada's largest carriers — in claims, sales, and high-value underwriting at Intact, Aviva, and Chubb — before founding Maverick in 2024. He has been featured in Canadian Underwriter magazine and recognized by Insurance Business Canada. Maverick Insurance Brokers is the official insurance partner of the Brampton Honey Badgers of the CEBL.

What is the difference between standard home insurance and private client insurance in Ontario?

Standard home insurance in Ontario is designed for the mass market — with standard liability limits of $1 to $2 million, jewelry sub-limits as low as $3,000 per item, contents covered on actual cash value (subject to depreciation), and a call-centre claims experience. Private client insurance through carriers like Chubb Masterpiece, Intact Prestige, Aviva Ovation, and Northbridge ONYX is designed for established households with significant assets. Key differences include: $5 million or higher personal liability as standard, jewelry and art covered at agreed value with no per-item sub-limits, contents covered at replacement cost with no depreciation, unlimited additional living expenses, automatic coverage for newly acquired items, and a dedicated claims experience with no generic call centre. Maverick Insurance Brokers specializes in placing private client coverage for qualifying households across Brampton, Mississauga, Oakville, Caledon, Bolton, and the GTA.

Private Client Insights

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Practical insurance intelligence for high-value homeowners, entrepreneurs, and families protecting what they've built. Written by Bram Bains — Peel Region's independent Private Client Advisor.

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She deserves better than a $3000 limit.

Your standard home policy has a $3,000 per item limit on jewelry and watches. Here's what that means for private clients in Ontario — and what Chubb and Intact Prestige actually offer instead.

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She deserves better than a $3000 limit.

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