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Commercial and Personal Insurance Solutions Since 1979
Retail & Wholesale Package

We insure more than 380 franchise locations across Canada .

Our Franchise and Retail Store Package division will give you an instant quote on the telephone.

For an Instant Quote call - 905-764-7868 or 1-800-817-SAVE and speak to:
Tom Larha at extension 245
When Combining Business & Auto, ask for the additional 15% discount
  • All Risk, Replacement Coverage on Building & Contents
  • Computer Hardware, Software, and Breakdown Coverage
  • Laptops
  • Office Contents Extensions
  • Commercial Condo Betterment’s & Improvements
  • Inflation Protection
  • Blanket By-Laws,
  • Professional Fees
  • Accounts Receivable
  • Newly Acquired Buildings and Contents
  • Sign and Glass Coverage
  • Goods in Transit Coverage & Cargo Insurance
  • Exhibit Booth Coverage
  • Fine Arts
  • Master Key Coverage
  • Electrical & Machinery Coverage
Loss of Income and Business Interruption

Office Fire

In the unfortunate event of shutting down your business due to a claim, do you have coverage to temporarily relocate or replace your lost revenue?

Our programs include options for Gross Earning Coverage, Profits, Actual Loss Sustained, Extra Expense and Additional time required to rebuild


  • Employee Dishonesty
  • In and Out Robbery
  • Forgery, Counterfeit Money
  • Broad Form Money Coverage
Broad Form General Liability:

  • Up to $10 Million Coverage for bodily injury and property damage including operation on and off your premises, and sales to the USA.
  • USA coverage available
Car and Fleets - Our Auto Rates are the Best in Ontario

  • Group Rates for 3 or more vehicles
  • Loss of use coverage
  • Fleet Discounts
  • Special rates for Associations

Contact one of our Professional Brokers for a review of your coverage's today !!!

Call 905-764-7868
Fax 905-764-9618

Ext 245 for Tom Larha
Ext 228 for Mark Smith

Get An Insurance Quotation

RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
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