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HIFA was built on a simple idea: insurance should be easier to understand and easier to act on.

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Our story

HIFA was built on a simple idea: insurance should be easier to understand and easier to act on. From Burlington, we help families and businesses across the western GTA compare options, understand the differences and choose coverage with confidence.

As an independent Ontario brokerage, we’re not tied to one insurer. We take the time to understand what you need, approach the markets that fit, and explain the options clearly.

You’ll work with a licensed broker from quote through renewal — and when something changes or you need help with a claim, you know who to call.

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What happens next

What happens after you get in touch

Start with a quick conversation or form. We’ll review what you need, compare the options that fit and explain the differences before you decide.

No obligation. You can stop at any point.

No pressure. No surprises.

Nothing moves forward until you’re ready. We’ll explain what happens next, what information is needed and what your options are before you make a decision.

Confidential from the first conversation.

1

Discovery

Tell us what you need

Start with a short conversation or intake form. Tell us what you want insured, what you have now and anything that has changed.

If you already have a policy or renewal notice, send it along — it helps us understand the starting point.

10–20 minutes

2

Policy review

We review what you have

We look at your current coverage, the details that matter and any obvious gaps or questions worth reviewing.

Then we explain what we found in plain language.

HIFA does the work

Nothing

3

Insurer comparison

We compare the right insurers

We approach insurers that fit what you need and compare the available coverage and pricing.

Some situations are straightforward. Others take more work. We’ll tell you what to expect from the start.

Answering follow-up questions

4

Recommendation

We explain your options

We walk you through the differences — what each option covers, where the limits sit and what you give up or gain at different price points.

The goal is to help you make an informed decision, not simply show you the lowest number.

About 30 minutes

5

Ongoing service

We stay involved

Once coverage is in place, your broker remains available for policy changes, questions, renewals and help when a claim occurs.

Tell us when something changes and we’ll help you review whether the coverage should change with it.

The relationship continues

Tell us when something changes

The people

Credentials establish the brokerage. The people determine the experience.

Senior brokers remain involved from the first conversation through placement and ongoing service.

Hafsa Bashir

Principal Broker · RIBO licensed

Hafsa leads HIFA across commercial and personal insurance. Her approach starts with understanding what actually needs to be insured before recommending coverage.

She stays closely involved in complex files and in the details that can make the difference when coverage is needed.

“Understanding the risk comes before recommending the coverage.”

Contractors

Restaurants

Event venues

Retail

Irfan Usman

Insurance Broker · RIBO licensed

Irfan works closely with clients to understand their operations, review existing coverage and identify gaps that are easy to miss.

His focus is making complex insurance decisions clearer and helping clients understand the details before they choose.

“The important gaps usually appear in the details.”

Technology

Warehousing

Manufacturing

Common questions

The questions people ask before they call

Straight answers to the questions people usually want resolved before starting a quote.

Does using a broker cost more than going direct?
HIFA is typically compensated by the insurer, so there is generally no separate broker fee for standard personal insurance. If a separate fee applies to a specific commercial placement, we explain it clearly before you proceed.
How long does a commercial quote actually take?
Straightforward commercial risks can sometimes be quoted within a day or two once we have the information insurers need. More complex businesses — including manufacturing, food, warehousing, event venues and specialty risks — can take longer because more underwriting is involved. We’ll tell you what to expect at the start.
What if my business is unusual or has had claims?
Both are normal. Unusual operations mean the submission needs to explain the risk properly rather than force it into a standard class code. Prior claims mean we need to show what changed afterwards. Neither is a reason not to have the conversation — they are reasons to have it with a broker rather than a web form.
Do I have to commit to anything to get a quote?
No. A quote is an offer of terms, not a contract. Nothing binds until you accept the terms and coverage is confirmed in writing. Submitting a form on this site does not create coverage.
Can HIFA handle both my business and my personal insurance?
Yes, and it is one of the more useful things we do. Business owners routinely carry exposures that sit across the boundary — a vehicle used for both, a home office, personal guarantees, equipment stored at home. Seeing both sides is how those gaps get found.

Tell us what you need covered.

Start with a short conversation. No obligation, no pressure — just clear advice about your options.

Get a Free Quote

Get a Free Quote