FAQs
You’ve Got Questions — I’ve Got Answers
How do your fees work?
Yes, I'm a fee-based consultant, and my rates depend on the services provided. Because I don't sell or place insurance, my time goes entirely to risk management.
What services do you offer that my current insurance provider does not?
While reviewing my clients' policies, I regularly see restrictive limits on coverages for perils like water damage (the most common and destructive peril). I'll explain what impact these restrictions could have on your claim, and suggest how to get coverage reinstated — restoring full Sewer Backup, Overland and Ground Water protection where available. Sometimes it's as simple as asking the insurer to increase a limit, or installing a risk-mitigation system to protect your assets.
I am tired of waiting on hold with my current insurance provider to speak with a call centre agent who does not know my needs.
I don't use automated phone systems. When you call, you reach me directly — no hold music, no call centre. Most of the time I can help without you ever having to wait on hold with your insurer.
I was referred to your office for an insurance review but I don't consider my home or autos to be "High Value", can I still use the services of Jasper Private Insurance Consultants?
Absolutely. Regardless of your home or auto's value, you get the same reliable service and best-in-class policy reviews — with industry-leading advice — that I give every responsible family and business owner.
I own 2 homes, 3 cars, 1 watercraft, a motorhome, and a motorcycle, as well as a successful retail store. Can you review all of my Insurance policies / claims under one roof?
Yes — I take a portfolio approach and review everything under one roof: homes, autos, watercraft, and business policies. You work directly with me on all of it
I own multiple properties and automobiles across North America. I heard you can provide consultation for risks outside of Canada, is that right?
Yes. I have a unique skillset for consulting on insurance matters for residents who own properties across North America and abroad.
I am interested in the services Jasper Private Insurance Consultants offers, how do we get started?
Working with me is simple. Send copies of all your current policies — home, auto, even commercial — plus a list of anything not currently insured. Once I've reviewed everything, I take care of the rest. Everything you share is 100% confidential and never shared.
How much does the initial assessment cost?
Nothing. The 30-minute Complimentary Assessment is free, with no obligation and no sales pitch — I don't sell insurance, so there's nothing to buy.
Having a Private Insurance Consultant sounds expensive, how do I know I am getting good value?
The immeasurable costs - time wasted, emotional impact and uncertainty - of enduring an uninsured or underinsured loss can be devastating. A large loss can be crippling and affect families for
generations. While I do charge fees to help mitigate these situations, in many cases I can identify opportunities that save you premium or adjust your coverage so a claim pays what it should.
Can I keep some of my policies insured elsewhere but still work with Jasper Private Insurance Consultants?
Absolutely — in fact I don't sell or place insurance with any carrier. I act exclusively as your consultant, which keeps my advice impartial and independent. My one strict policy: I need to review all of your insurance products before giving a professional assessment. Using different, unrelated insurers without coordination increases the risk of an uninsured loss.
I heard that dealing directly with an insurance company (Direct model) leads to the lowest rates?
Dealing directly with an insurer can look cheaper, but their call-centre agents can only sell their own product — so coverage gaps get missed. I review whatever you have, from any insurer, and make sure it actually fits your needs.
Do you offer ongoing oversight, or only one-time reviews?
Both. Most clients start with a one-time review. For year-round coverage I offer two annual options, paid up front: UNsurance — 3% of your gross annual premiums ($500 minimum). I'm cc'd on all your insurance communications and intervene when I spot a problem. Insurance Controller — 5% of your gross annual premiums ($5,000 minimum). I become your single point of contact for every insurance transaction.