Assurena Insurance Agency is an independent insurance brokerage agency that carries some of the best coverage options in the entire New USA.

Our Contacts

88 Centre Street North,
Toronto L4W 1C9
+1 (419)-507-0468
+1 (213)-345-0468

Working Hours

9.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 5.00
8.00 - 4.00


Merit’s Construction team has the experience and knowledge to deliver comprehensive risk management solutions that are both innovative and cost effective.  We utilize traditional insurers, specialty “MGA” programs and the London market.  The transfer of risk is often a “triangular” process.  We are successful because we have great relationships with both our clients and our insurance partners.  Merit’s construction clients include a diverse group of companies:

  • Architects & Engineers
  • General Contractors
  • Artisan Contractors – All Trades
  • Street & Rural Construction
  • Underground Infrastructure Contractors
  • Project Developers
  • Concrete & Masonry
  • Home Builders
  • Remodeling & Restoration
  • Landscaping & Janitorial Services

Merit works hard to know how your business works. We want to know what makes your organization unique and understand the goals you are trying to accomplish.  Merit breaks your workflow into separate segments such as demolition, design and development, building materials, environmental considerations and of course the actual project’s construction.  At each level we look at your company’s exposure to 3 categories of loss: property, human capital and third-party liability.  We then design the right plan for your company.  In addition to the traditional placement of insurance for risk transfer, we look at alternative risk funding mechanisms such as large deductible plans, loss sensitive plans and risk “pooling” plans.

Merit’s Construction team often works closely with members of our Real Estate team to deliver a coordinated effort that brings together all parties involved in your project.  The relationship between owners, architects, contractors and subcontractors is often complex, but our team can make the process much more manageable and seamless.

The Construction industry has many unique risk factors.  We include below some industry specific coverages and services that need to be considered.


  • Professional Liability
  • Builder’s Risk
  • Pollution Liability
  • Owner Controlled Programs
  • Surety
  • Workers’ Compensation


  • Certificate Management
  • Contractual Risk Transfer Consulting
  • Claims Advocacy and Management
  • Insurance Contract Review
  • Experience Modification Review and Analysis
  • Job Site Safety

For a full listing of Commercial Property & Casualty Coverages, please click here:

Merit takes protecting your assets very seriously.  Our experts use the “Full Service Commitment” process as a tool for analyzing and managing your account.

  • Risk Identification & Evaluation
  • Risk Retention Analysis
  • Risk Financing Alternative Evaluation
  • Audit of Insurance Coverage
  • Determination of Service Requirements
  • Marketing to Carriers/Vendors
  • Implementation of Specific Services
  • Coordination & Monitoring Serv
  • Annual Account Review
  • Annual Service Planning

In today’s fast-paced business environment, companies need a broker that not only markets the placement of insurance, but also assists with key analysis such as exposure evaluation, loss projections and risk transfer versus risk financing. Clients may need help managing open claims, processing claims information and coordinating loss prevention.  Through our in-house services and third-party partners, we offer a multitude of risk management services. For a full listing please click below: 

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Why should you choose
Merit Insurance?

Merit is committed to providing our clients with creative, effective, and affordable risk management solutions. Our industry experts deliver customized coverage options tailored to the needs of your business.

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Merit has combined unique niche expertise with several specialty programs to provide a competitive “edge” to our clients in the following industries:
Real Estate
Manufacturing & Wholesale Distribution
Hospitality & Restaurants