Terms of Service

Worksured Inc., operating as Worksured Insurance Group and Worksured · Ontario

At a glance

• Who we are: a licensed insurance brokerage. We arrange your insurance with insurers. We don’t insure you ourselves.
• What these terms cover: using our site, asking for a quote, buying a policy through us, and our AI assistant, Winston.
• What they don’t cover: what’s actually insured. That’s your policy wording, issued by your insurer, and it always comes first.
• Your part: give us accurate information. Wrong answers can change your quote or affect a claim later.

These Terms of Service (“Terms”) govern your use of worksured.io (the “site”) and the insurance brokerage services of Worksured Inc., operating as Worksured Insurance Group and Worksured (“Worksured”, “we”, “us”, “our”). By using the site, asking for a quote or buying a policy we’ve placed, you agree to these Terms. If you don’t agree, please don’t use the site.

These Terms are between you and Worksured only. They don’t replace, and aren’t part of, your insurance policy. Your policy documents, issued by the insurer, decide your coverage. If anything here conflicts with your policy wording, the policy wording controls.

1. Our role as your broker

We are a licensed insurance broker, registered with the Registered Insurance Brokers of Ontario (RIBO). We’re a brokerage, not an insurance company: we don’t take on insurance risk and we don’t decide claims. We act for you to find, place and service coverage with the insurers and managing general agents we work with. How we’re paid is in section 9.

Currently, we arrange insurance for risks located in Ontario. Whether a policy can cover work you do outside Ontario is an underwriting decision. If you’re not sure we can help with your business, ask when you request a quote and we’ll tell you before going further. You can check our licence on RIBO’s public register.

2. Eligibility

You must be the age of majority in Ontario and authorized to buy insurance for the business you represent.

You agree to give us accurate, current and complete information when you ask for a quote or apply for coverage, and to tell us when it changes.

We may decline a quote, or stop providing our services, if we reasonably believe they are being used for fraud, in breach of these Terms, or to misrepresent a risk.

3. Quotes and the accuracy of your information

A quote from Worksured Inc. is based on the information you give us, whether you get it on our site, from our team or with help from Winston. It isn’t a binding offer of coverage, and it doesn’t guarantee that a policy will be issued at that price, or at all. Quotes are subject to underwriting and to the details you give being accurate.

A licensed broker reviews your quote and policy.

Please answer every question completely and accurately. Wrong or incomplete information can change your quote, delay or prevent your coverage, or, if it comes to light after a policy is issued, give your insurer grounds to deny a claim, cancel your policy or void coverage.

You’re responsible for the business information, values and risk details you give us. We don’t check every figure, but we and the insurers we work with may check what you tell us against other records, as described in our Privacy Policy.

4. Our AI assistant, Winston

Winston is an AI assistant, and it’s labelled as AI wherever it appears. It explains what the questions on our form mean and describes types of coverage in general terms. It can also tell you the insurance requirements that a client or program you work with has set. Its answers are general information, not insurance advice. If your question needs advice, Winston passes it to a licensed broker. Winston doesn’t give prices, doesn’t recommend limits, doesn’t confirm eligibility or coverage, doesn’t put coverage in place, and doesn’t make claim decisions.

If anything Winston says differs from what a licensed broker tells you, or from your policy wording, the broker and the policy wording control. If you’d rather deal with a person, call 1-888-900-7155 or write to [email protected].

Winston and our chat run on software from Intercom, Inc. By using the chat, you agree to communicate with us electronically through it. Chats are recorded and kept as part of your file, for our records, claims review and fraud prevention. Please don’t send banking or card details, or sensitive documents, in the chat unless we ask you to use a secure upload. How we handle chat information, including storage in the United States, is set out in our Privacy Policy (sections 5 and 9).

5. Buying a policy and payment

Coverage is not considered bound until you have received confirmation from a licensed broker. That confirmation comes to you by email. A quote, a completed form or a payment doesn’t put coverage in place on its own. Your policy runs from the effective date shown in your policy documents.

Before you buy, we tell you the premium, any taxes, fees and surcharges, and whether the policy keeps a minimum part of the premium if you cancel early (a minimum retained premium). You’re responsible for the amounts shown to you before you buy.

If you pay online, a third-party payment processor handles your payment. By submitting payment details, you confirm you’re authorized to use that payment method.

If you choose to pay in instalments through a premium finance company, that company sets out its own fees, payment schedule and any minimum retained premium in its agreement with you before you sign.

Cancellations, refunds and mid-term changes follow your policy wording and the insurer’s rules, which may include a short-rate or minimum retained premium charge. Talk to us before you cancel if you want to know how a cancellation will be calculated.

We send renewal reminders by email, and by text message only if you’ve agreed to texts. Review and confirm your renewal terms before your policy expires.

6. Certificates of insurance

A certificate of insurance that we issue shows the coverage in force on your policy on the date it’s issued. It’s a summary for sharing with your clients and job sites. It doesn’t change, extend or override your policy wording, and it stops being accurate as soon as your policy changes, lapses or is cancelled.

If you came to us through Entuitive Workforce and you agree, we send your certificate to Entuitive to complete your file there, as described in section 3 of our Privacy Policy.

7. Claims

You can report a claim to us, and we’ll pass it to your insurer and help you through the process. You can also report it directly to your insurer, using the claims contact in your policy documents. If you do, please tell us as well.

Reporting a claim isn’t an admission of liability by you, by us or by your insurer, and it doesn’t guarantee the loss is covered. Your insurer decides claims under the terms of your policy. We’ll help you through the process, but the decision is the insurer’s, not ours.

8. Using our site

You agree not to:

• use the site for anything unlawful, or to submit false, fraudulent or misleading information;
• try to get into another person’s account, our systems, or any part of the site that isn’t public;
• scrape or systematically copy data from the site with automated tools, or reproduce, resell or redistribute site content without our written consent;
• introduce viruses or other harmful code, or interfere with how the site works; or
• impersonate another person or misrepresent your connection with a business or trade.

9. How we’re paid, and conflicts of interest

We’re paid mainly by commission from the insurer, which is already included in your premium. Any fees Worksured Inc. charges on top of that commission will be agreed with you and disclosed before your policy is placed. Fees charged by insurers and finance companies are also disclosed, but they aren’t part of our compensation. If you’d like to know the commission on your own policy, ask us and we’ll confirm it in writing.

We tell you about any conflict of interest in writing no later than when we give you a quote. The details, including the insurers we deal with, our ownership and our relationship with Entuitive Workforce Inc., are in our Disclosure Statement.

10. Intellectual property

The site, including its text, design, graphics, the WorkSured name and logo, and the software behind it, belongs to us or our licensors and is protected by Canadian and international copyright and trademark law. You may view and print pages for your own business use. You may not otherwise copy, change, distribute or create works based on the site without our written permission.

11. Third-party services and links

The site may link to or use third-party services, such as a payment processor, our chat and AI provider (Intercom), or an insurer’s own portal. We don’t control them, and a link or integration doesn’t mean we endorse them. Your use of a third-party service is subject to that provider’s own terms.

12. General information only

The site and the general information on it, such as coverage descriptions and FAQs, are provided for general information, as is, without warranties of any kind, including that the site will be uninterrupted, error-free or secure. Nothing on the site is legal, financial or insurance advice for your situation. Coverage descriptions on the site are simplified, and your declarations and policy wording set out what is and isn’t covered.

All insurance policies have coverage limitations and should be reviewed. Coverage is subject to the terms of your policy.

13. Limitation of liability

To the extent the law allows, Worksured and its officers, employees and affiliates aren’t liable for indirect, incidental, special, consequential or punitive damages arising from your use of the site, including lost profits, lost data or business interruption.

Nothing in these Terms limits our responsibility for our own negligence in placing or servicing your insurance, or any liability that can’t be limited under insurance or consumer-protection law.

14. Indemnity

You agree to cover Worksured, its officers, employees and affiliates for any claim, loss or expense, including reasonable legal fees, arising from your breach of these Terms, your misuse of the site, or information you knowingly gave us or an insurer that was false.

15. Electronic communications and signatures

You agree to receive documents, notices and disclosures electronically, including policy documents, renewal notices and these Terms. Electronic signatures and confirmations, such as clicking “I agree”, have the same legal effect as a handwritten signature under Ontario’s Electronic Commerce Act, 2000 and applicable federal law. You can withdraw this consent at any time by contacting us, though that may limit how we can service your policy.

16. Privacy

How we collect, use and share your personal information is set out in our Privacy Policy, which forms part of these Terms. Questions about your personal information go to our Privacy Officer at [email protected].

17. Suspension and termination

You can stop using the site at any time. We may suspend or end your access if we reasonably believe you’ve broken these Terms or been involved in fraud or misrepresentation, or if the law, an insurer or a regulator requires it. Ending your access to the site doesn’t cancel a policy that’s in force; cancellation follows your policy wording and section 5.

18. Legal and sanctions compliance

We may decline or suspend a quote or service where we need to in order to comply with the law, including Canadian and international sanctions and anti-money-laundering rules, or where we can’t reasonably verify your identity or your business.

19. Governing law and complaints

These Terms are governed by the laws of Ontario and the federal laws of Canada that apply in Ontario. Disputes go to the courts of Ontario, except where the law gives you the right to bring a claim where you live.

If you have a complaint about us, tell us first. Our Disclosure Statement explains how to raise it, how long we take to respond and how to take it further, including to the Registered Insurance Brokers of Ontario. A complaint about an insurer or a claim decision goes to that insurer first, and then to the General Insurance OmbudService. A complaint about how we handle personal information can go to the Office of the Privacy Commissioner of Canada or Ontario’s Information and Privacy Commissioner.

20. Changes to these Terms

We may update these Terms when our services or the law change. We’ll post the new version on this page with a new effective date and, if a change is significant, take reasonable steps to bring it to your attention. If you keep using the site after an update, the new Terms apply.

21. General

Entire agreement. These Terms, our Privacy Policy, our Disclosure Statement and any policy documents issued to you are the whole agreement between you and Worksured about your use of the site.
Severability. If any part of these Terms can’t be enforced, the rest still applies.
No waiver. If we don’t enforce a term, we can still enforce it later.
Assignment. You can’t transfer these Terms without our consent. We may transfer them as part of a merger, acquisition or sale of our business.

22. Contact us

Worksured Inc., operating as Worksured Insurance Group and Worksured
1-888-900-7155 · [email protected]
Monday to Friday, 8:30 a.m. to 4:30 p.m. Eastern time