Complaints

This profile includes complaints for All-Risks Insurance Brokers Ltd. (H.O)'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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All-Risks Insurance Brokers Ltd. (H.O) has 3 locations, listed below.

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  All-Risks Insurance Brokers Ltd. (H.O)

  1255 Ouellette Avenue Windsor, ON N8X 1J3

  
• 

  All-Risks Insurance Brokers Ltd. (H.O)

  207 - 1104 Fennell Ave E Hamilton, ON L8T 1R9

• 

  All-Risks Insurance Brokers Ltd. (H.O)

  803 Danforth Ave Toronto, ON M4J 1L2

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:15/05/2025

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had paid for a 1 year lump payment for property insurance (Economical) which was from February 2024-February 2025 with all-risk insurance broker. When the renewal time came up, we forgot the renewal was up. The way we found out that we were NOT INSURED anymore was through our mortgage company. Our mortgage company informed us that we did not have fire protection anymore. With this information, we went back to the insurance broker to request for monthly payments instead of yearly payments for the coming ********* year. They said this was not possible, so we decided to go with another insurance company. During this transition period where we were not covered with the insurance policy (since we had not paid for the ********* year, and from notification from our mortgage company), the insurance company (Economical) still billed us for that period. Not only did they fail to notify us that they billed us for this time period, but they sent it directly to collections (impacting our credit scores). There was no communication from the broker or from the insurance company that we still had a bill owing (since we simply did not renew with them) and they sent it directly to a collections company. There is absolutely no reason why we should pay for a service that was never provided AND our credit should be restored.

  

  Business Response

  Date: 23/05/2025

  Contrary to the facts stated, renewal
  documents were issued by the insurance company to Jinyoung and Meng Song on February 1st 2025
  to the mailing address listed on the policy documents. The property insurance
  policy then renewed on February 21st 2025. Jinyoung then contacted a
  broker in our Richmond Hill office on March 8th 2025 to request a
  payment plan change. On March 10th Jinyoung was advised that
  requests for payment plan amendments are required to be submitted 25 days prior
  to the renewal date.

  
  An email requesting cancellation of the policy effective February 21st 2025 was received from Jinyoung on March 21st 2025 and she was
  advised this cannot be processed as the renewal was February 21st 2025 and proof of alternative coverage was requested to backdate the
  cancellation but to this date has not been provided.

  
  The statement included in the complaint advising that no
  insurance coverage was provided from February 21st to March 21st 2025 is incorrect as on May 2nd 2025 a correspondence was sent to
  Jinyoung from a broker in our Richmond Hill office advising coverage was in
  place until March 21st 2025.

  
  The amount requested from Jinyoung is for coverage from the
  renewal date until the date of cancellation. Furthermore, the statement this was
  directly sent to collections is also false as a document was sent to Jinyoung
  and Meng Song on March 24th advising of the amount due and the
  cancellation date of March 22nd 2025 and on April 22nd 2025 a collection agency referral confirmation letter was sent to Jinyoung and
  Meng song to the mailing address on file.

  
  ANDREW LOVE
  COMPLIANCE MANAGER

  1255 Ouellette Ave, Windsor ON N8X 1J3 

   [email protected]

  519.253.6376  ext 10141
  
  
  
  
  

  Customer Answer

  Date: 04/06/2025

   
  
  Complaint: 23334521
  
  
  
  I am rejecting this response because:
  

  how can any service such as a property insurance policy be renewed when there was no payment? If there is no payment, no service is provided. You can not provide a service and then demand payment afterwards, that is fraud. This is essentially what happened.
  

   Statement that there was any notice sent to us regarding an amount due is false, nothing was provided. It went straight to a collection agency.

  The fact is that a service can not be provided unless it is agreed upon or paid for, neither of which we did. We did not confirm that we will be going with this insurance company after the policy was expired. I’m not sure how these companies can get away with trying to destroy someone’s credit while saying they provided for a service when there was no agreement signed then demanding money for this service that was never agreed upon. 
  

  
  
  Sincerely,
  
  
  
  Jinyoung Cha

  

  Business Response

  Date: 13/06/2025

  Property insurance in Ontario automatically renews unless cancellation of the policy is received prior to the renewal date. The property policy renewed on February 21st 2025 and Jinyoung contacted our Richmond Hill office on March 8th 2025 to request a payment plan change. A cancellation request was received a month after the renewal date on March 21st 2025 and a broker within our Richmond Hill office advised the policy cancellation cannot be backdated unless proof of alternative coverage is provided. If proof of alternative coverage for the insured location is provided and a revised cancellation document received we would be more than willing to refer this to the insurance company in an attempt to rectify the situation.

• Initial Complaint

  Date:13/02/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We had moved to a renter house on March 27/2023, I had contacted our insurance agent to notify him.I had requested to issue a new tenant insurance for the new house effective March 27/2023 and to cancel the previous tenant insurance, and also to adjust our Auto insurance.Each time we called he would say will call you tomorrow or next week and never got that phone call. After several calls he started to produce Tenant insurance in October, this meant we were paying our instalment without insurance for the period of April-Oct/2023. Which is really upset us the most. I asked him what we will do if something happen to us in the house, we will have no insurance to cover the damages and also we will be sued by landlord due to no Tenant Insurance.Also the Auto insurance was not adjusted because we were closer to our work places.We had moved to a different insurance company, and we also closed our bank account and reopened a new one.I had contacted him several time for the refund and always stated he will look into it but nothing had happen and now he is ignoring my e mails.

  Customer Answer

  Date: 13/02/2024

  The business name and location is 

  ********* Insurance H34313637363**53538H

  700 **********, #**

  ********, *******. L6L4B1

  ************

  email ********************

  The claim is refund of tenant and auto H33333233353036333**0H payment without providing policies.

   

  

  Business Response

  Date: 27/02/2024

  From: *********************** <********************> 
  Sent: Tuesday, February 27, 2024 3:03 PM
  To: ********************* <*********************>
  Cc: ********************* <*********************>
  Subject: RE: BBB Complaint - *********************** 069936
  
  Hi ****,
  
  I have known both Insureds for well over 10 years and at no previous time have we ever had any issues, I counselled them and gave advice on many issues that arose in order to save them from additional costs that would ultimately have cost them higher premiums.
  
  However regarding this complaint, this is a case of me over promising and under delivering caused by having to juggle work with family issues (the deaths of 4 of my family in the past year and the fact we are responsible for some of their partners and daughter in getting them into long term care. This is not an excuse for not handling their request at the appropriate date, for which I accept responsibility.
  
  At that time, we were maintaining coverage on both the  *********** residence for a few extra days while they were taking over the Burlington residence. I tried to explain to ****************** the cost of changing from *********** Tenants policy to their Burlington address actually increased their premium, which by default my lateness in correcting, saved her money. **** stated she would not have been covered at the new address in case of a claim and I explained she would be covered if this resulted in an Errors & Omissions as a result of my inaction.
  
  The car policy would have made some monthly adjustment, however I was not informed of the change of usage, despite me having spoken with her husband ***** with whom I often had conversations that apparently werent relayed back to ****. I also explained to **** if we waited until October 2023 we could rewrite the policy for ***** as an At Fault claim would no longer be chargeable, which otherwise would have remained on the Economical policy until May 2024. There is also a forgiven At fault claim for **** from March 1, 2020 which meant she would need to remain with Economical while it is protected, thereby adjusting the premium further by losing multi vehicle discount if we rewrote Nenos with a different insurer.
  
  I have tried at several requests to speak with **** to resolve this issue but she prefers not to speak with me. She responded by email to one of my staff in mid-January 2024 that she cancelled these policies in November 2023 but we did not receive any date of cancellation, signed cancellation forms, or copies of new insurance for us to have Economical know the dates of cancellation to implement.
  
  I am attempting to have Economical correct the change of location and address retroactively with an Underwriter, which will address any deficiencies or corrections in payments made or changed. I do not agree with the amounts claimed, but would still like to resolve this issue with the Insureds. 
  
  I will let you know how Economical will handle this, however I will still need the Insureds new policy details to allow for a cancellation back to November if that is the case.
  
  Trusting I have addressed the complaint and will advise of any corrections allowed.
  
  Regards,
  
  ******