{"id":16608,"date":"2026-01-09T12:12:20","date_gmt":"2026-01-09T12:12:20","guid":{"rendered":"https:\/\/www.ona.ca\/?page_id=16608"},"modified":"2026-02-19T10:36:59","modified_gmt":"2026-02-19T10:36:59","slug":"professional-liability-insurance","status":"publish","type":"page","link":"https:\/\/www.ona.ca\/professional-liability-insurance\/","title":{"rendered":"Professional Liability Insurance &#8211; New"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"16608\" class=\"elementor elementor-16608\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c002f16 banner-block e-flex e-con-boxed e-con e-parent\" data-id=\"c002f16\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c984bd6 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"c984bd6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3211ffa elementor-widget elementor-widget-heading\" data-id=\"3211ffa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Professional Liability Insurance in Ottawa<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a172ac elementor-widget elementor-widget-text-editor\" data-id=\"0a172ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ottawa has evolved. We are no longer just a lumber and industrial town; we are a global hub of thinkers, designers, and innovators. From the tech parks of Kanata North to the federal offices downtown, the primary asset for most Ottawa businesses is no longer physical inventory, it is intellectual capital.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4aed604 e-con-full e-flex e-con e-child\" data-id=\"4aed604\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5693f9d elementor-align-left elementor-widget elementor-widget-button\" data-id=\"5693f9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request a Professional Liability Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce83da1 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"ce83da1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.ona.ca\/contact-us\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Our Commercial Team<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1cbcdd e-con-full e-flex e-con e-child\" data-id=\"e1cbcdd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f5752a elementor-widget elementor-widget-image\" data-id=\"1f5752a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"872\" height=\"623\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x.webp\" class=\"attachment-full size-full wp-image-16686\" alt=\"Professional Liability Insurance Overview \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x.webp 872w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x-300x214.webp 300w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x-768x549.webp 768w\" sizes=\"(max-width: 872px) 100vw, 872px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23d4969 e-con-full e-flex e-con e-parent\" data-id=\"23d4969\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1c4f31e e-grid e-con-full e-con e-child\" data-id=\"1c4f31e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8727437 e-con-full e-flex e-con e-child\" data-id=\"8727437\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e7642cf elementor-widget elementor-widget-heading\" data-id=\"e7642cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Discover All Our<br>\nInsurance Services<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f1c967 e-con-full e-flex e-con e-child\" data-id=\"5f1c967\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27f7c53 elementor-widget elementor-widget-image\" data-id=\"27f7c53\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"60\" height=\"60\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/04\/protection_1231560-1.png\" class=\"attachment-full size-full wp-image-164\" alt=\"Personal Insurance Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364ab29 elementor-widget elementor-widget-heading\" data-id=\"364ab29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"> Personal Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b79ecb4 e-con-full e-flex e-con e-child\" data-id=\"b79ecb4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af5d0c5 elementor-widget elementor-widget-image\" data-id=\"af5d0c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"60\" height=\"51\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-29017.svg\" class=\"attachment-full size-full wp-image-2456\" alt=\"Commercial Insurance Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a731bd7 elementor-widget elementor-widget-heading\" data-id=\"a731bd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Commercial Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5a9b4ea e-con-full e-flex e-con e-child\" data-id=\"5a9b4ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-786f2f0 elementor-widget elementor-widget-image\" data-id=\"786f2f0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"60\" height=\"60\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/04\/umbrella_3932505-1.svg\" class=\"attachment-full size-full wp-image-162\" alt=\"Farm Insurance Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3afb3e3 elementor-widget elementor-widget-heading\" data-id=\"3afb3e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Farm Insurance<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0c76e5d e-flex e-con-boxed e-con e-parent\" data-id=\"0c76e5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ca09f5e elementor-widget elementor-widget-text-editor\" data-id=\"ca09f5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">However, this shift introduces a specific type of risk. If you are an IT consultant, management advisor, or healthcare practitioner, a standard liability policy is insufficient. You need coverage that protects your advice, not just your office furniture.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">At Oegema, Nicholson &amp; Associates (ONA), we have served the National Capital Region since 1961. We don&#8217;t just sell insurance; we act as your risk management partners. We review your contracts, tailor your limits, and ensure you are compliant with federal and industry standards.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ded7e2 e-flex e-con-boxed e-con e-parent\" data-id=\"4ded7e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-14f1b15 e-con-full e-flex e-con e-child\" data-id=\"14f1b15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a364469 elementor-widget elementor-widget-heading\" data-id=\"a364469\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Is Professional Liability Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17657f2 elementor-widget elementor-widget-text-editor\" data-id=\"17657f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Professional Liability Insurance (PLI), also known as Errors and Omissions (E&amp;O) insurance, is coverage that protects you against claims of financial loss resulting from your professional services.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">If a client sues you alleging negligence, bad advice, or failure to deliver promised services, professional liability insurance can cover the legal defense costs and any resulting damages.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a20a7f0 e-con-full e-flex e-con e-child\" data-id=\"a20a7f0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a3c7518 elementor-widget elementor-widget-image\" data-id=\"a3c7518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Professional-Liability-Insurance_1x.webp\" class=\"attachment-full size-full wp-image-16687\" alt=\"Professional Liability Insurance Coverage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Professional-Liability-Insurance_1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Professional-Liability-Insurance_1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Professional-Liability-Insurance_1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Professional-Liability-Insurance_1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-10577d5 e-flex e-con-boxed e-con e-parent\" data-id=\"10577d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0c42d04 e-con-full e-flex e-con e-child\" data-id=\"0c42d04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32b5d58 elementor-widget elementor-widget-image\" data-id=\"32b5d58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-Difference-Between-Professional-Liability-Insurance-and-Commercial-General-Liability1x.webp\" class=\"attachment-full size-full wp-image-16688\" alt=\"Professional vs Commercial Liability Insurance \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-Difference-Between-Professional-Liability-Insurance-and-Commercial-General-Liability1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-Difference-Between-Professional-Liability-Insurance-and-Commercial-General-Liability1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-Difference-Between-Professional-Liability-Insurance-and-Commercial-General-Liability1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-Difference-Between-Professional-Liability-Insurance-and-Commercial-General-Liability1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d2c2c8 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"4d2c2c8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5524842 elementor-widget elementor-widget-heading\" data-id=\"5524842\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Difference Between Professional Liability Insurance and Commercial General Liability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-63c371d elementor-widget elementor-widget-text-editor\" data-id=\"63c371d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Many professionals mistakenly believe their <\/span><strong><a href=\"https:\/\/www.ona.ca\/commercial-general-liability-insurance-ottawa\/\">Commercial General Liability (CGL) policy <\/a><\/strong><span style=\"font-weight: 400;\">covers all risks. This is a dangerous gap in protection:<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Commercial General Liability (Physical Risk):<\/b><span style=\"font-weight: 400;\"> Covers bodily injury or property damage (e.g., a client slips in your lobby or you spill coffee on their server).<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Professional Liability Insurance (Economic Risk):<\/b><span style=\"font-weight: 400;\"> Covers financial loss and intangible harm (e.g., a coding error crashes a client\u2019s app or strategic advice causes a drop in revenue).<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-268c0fe e-flex e-con-boxed e-con e-parent\" data-id=\"268c0fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3170a8e elementor-widget elementor-widget-text-editor\" data-id=\"3170a8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">If you work in the &#8220;knowledge economy,&#8221; roughly 90% of your risk exposure is intangible. Without PLI, you face personal exposure to lawsuits that can exceed hundreds of thousands of dollars in legal fees alone.<\/span><\/p><p><span style=\"font-weight: 400;\">Not sure if your specific business model creates these risks? Dive deeper into our guide: <\/span><a style=\"font-weight: bold;\" href=\"https:\/\/www.ona.ca\/blog\/why-do-i-need-professional-liability-insurance\/\"><strong>Why Do I Need Professional Liability Insurance?<\/strong><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><\/a><span style=\"font-weight: 400;\">Need a policy review? If you aren&#8217;t sure what your current policy covers, send it to us. We\u2019ll identify the gaps and come up with a comprehensive coverage plan.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5ade821 requirement-blk twocol e-flex e-con-boxed e-con e-parent\" data-id=\"5ade821\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-0e41ca6 e-con-full e-flex e-con e-child\" data-id=\"0e41ca6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-796614f elementor-widget elementor-widget-heading\" data-id=\"796614f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Who Needs Professional Liability in Ottawa?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cad92b elementor-widget elementor-widget-text-editor\" data-id=\"0cad92b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-weight: 400;\">In the Ottawa region, the definition of a &#8220;professional&#8221; extends far beyond doctors and lawyers. If you provide a service, design, or advice for a fee, you are a professional exposed to liability.<\/span>\n\n&nbsp;\n\n<span style=\"font-weight: 400;\">We specialize in designing policies for:<\/span>\n<ul class=\"unordered-list\">\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>IT &amp; Tech Consultants:<\/b><span style=\"font-weight: 400;\"> Software developers, systems architects, and cybersecurity specialists (especially in Kanata).<\/span><\/li>\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Healthcare Practitioners:<\/b><span style=\"font-weight: 400;\"> Massage therapists (RMTs), psychotherapists, and private clinic owners.<\/span><\/li>\n \t<li aria-level=\"1\"><b>Business Consultants:<\/b><span style=\"font-weight: 400;\"> Management advisors, HR professionals, and marketing agencies.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff11af7 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"ff11af7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a Custom Quote for Your Industry<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab3b5cb e-con-full rightcol e-flex e-con e-child\" data-id=\"ab3b5cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5452d63 elementor-widget-tablet__width-inherit elementor-widget elementor-widget-image\" data-id=\"5452d63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Who-Needs-Professional-Liability-in-Ottawa_1x.webp\" class=\"attachment-full size-full wp-image-16689\" alt=\"Professional Liability Insurance Requirements \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Who-Needs-Professional-Liability-in-Ottawa_1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Who-Needs-Professional-Liability-in-Ottawa_1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Who-Needs-Professional-Liability-in-Ottawa_1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Who-Needs-Professional-Liability-in-Ottawa_1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-16ab087 e-flex e-con-boxed e-con e-parent\" data-id=\"16ab087\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0682489 elementor-widget elementor-widget-heading\" data-id=\"0682489\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Critical Concept: \"Claims-Made\" Policies<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-22303e1 readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"22303e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Why must my insurance be active when I get sued, not just when I did the work?<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c068dbe readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"c068dbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Professional Liability policies are written on a<\/span> <span style=\"font-weight: 400;\">\u201cclaims-made\u201d basis. This means you must have an active policy in place <\/span><i><span style=\"font-weight: 400;\">at the moment the claim is reported<\/span><\/i><span style=\"font-weight: 400;\">, regardless of when the work was performed.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2775fa3 e-con-full e-grid e-con e-child\" data-id=\"2775fa3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ba795 icon-card elementor-widget-mobile__width-inherit elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d5ba795\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"66\" viewBox=\"0 0 66 66\" fill=\"none\"><circle cx=\"33\" cy=\"33\" r=\"33\" fill=\"#0A3B84\"><\/circle><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M34.236 38.241L33.5807 43.2511C33.3498 43.4252 32.6501 43.4253 32.4189 43.2511L31.7636 38.241C31.7491 38.128 31.7529 37.9915 31.993 37.812C32.5389 37.4055 33.4611 37.4055 34.0065 37.812C34.2467 37.9915 34.2506 38.128 34.236 38.241ZM34.7314 36.8407C33.1183 35.6381 30.3221 36.5574 30.5615 38.3978L31.2222 43.4481C31.4223 44.9809 34.577 44.981 34.7777 43.4481L35.4378 38.3978C35.4941 37.9696 35.4168 37.3521 34.7314 36.8407ZM32.9998 48.8923C32.4534 48.8923 32.0082 48.447 32.0082 47.9007C32.0082 47.3537 32.4534 46.9093 32.9998 46.9093C33.5467 46.9093 33.991 47.3537 33.991 47.9007C33.991 48.447 33.5467 48.8923 32.9998 48.8923ZM32.9998 45.6971C31.785 45.6971 30.7963 46.6854 30.7963 47.9007C30.7963 49.1153 31.785 50.1044 32.9998 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36.5586 50.922 35.9148 50.922 35.1825V31.9649C50.922 31.2222 50.4656 30.5927 49.7588 30.3631L48.0092 29.7941C47.6417 28.3299 47.0628 26.9344 46.284 25.6351L46.3525 25.5018C47.9994 25.6189 49.5049 26.2628 50.5432 27.311C50.9461 27.7177 51.6391 27.385 51.5767 26.8173Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe Risk\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you cancel your coverage today and are sued next month for work you did last year, you have no coverage.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce278d6 icon-card elementor-widget-mobile__width-inherit elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"ce278d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"66\" viewBox=\"0 0 66 66\" fill=\"none\"><circle cx=\"33\" cy=\"33\" r=\"33\" fill=\"#0A3B84\"><\/circle><path d=\"M33.3087 19.1251C32.7429 18.7322 32.1536 19.5416 32.6879 19.9502C33.2458 20.3509 33.843 19.5337 33.3087 19.1251ZM33.0022 19.2037C33.1672 19.2037 33.3244 19.3373 33.3401 19.5023L33.0336 19.5337L32.9551 19.4709L33.0022 19.5337L32.8058 19.2744C32.8608 19.2273 32.9315 19.2037 33.0022 19.2037ZM32.7193 19.3452L32.9551 19.5337C32.9315 19.5416 32.6958 19.5416 32.6643 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13.8604C14.4343 13.6876 13.7349 14.1826 13.6249 14.8977C13.4678 15.5498 13.8685 16.2099 14.5207 16.3671L18.316 17.2943C18.4025 17.4357 18.5125 17.5693 18.6303 17.6872V21.1367H14.0178C13.7821 21.1367 13.5935 21.3253 13.5935 21.561V37.3237C13.5935 37.5595 13.7821 37.7481 14.0178 37.7481H26.2367C26.4724 37.7481 26.661 37.5595 26.661 37.3237V21.561C26.661 21.3253 26.4724 21.1367 26.2367 21.1367H21.2391V18.0015L30.142 20.1702C30.2756 20.791 30.6134 21.3489 31.1006 21.7653V46.8081H28.209C26.1895 46.8159 24.8773 48.5682 25.0816 50.5091H22.1192C21.8835 50.5091 21.6949 50.6977 21.6949 50.9334V52.5757C21.6949 52.8114 21.8835 53 22.1192 53H44.0502C44.286 53 44.4746 52.8114 44.4746 52.5757V50.9334C44.4746 50.6977 44.286 50.5091 44.0502 50.5091H41.0957C41.3 48.5682 39.9878 46.8159 37.9683 46.8081H34.9116V21.7575C35.0295 21.6553 35.1474 21.5375 35.2495 21.4117L44.2545 23.6041C44.341 23.7534 44.451 23.8869 44.5767 24.0048V27.588H39.7677C39.532 27.588 39.3434 27.7765 39.3434 28.0123V43.775C39.3434 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23.5333C44.1681 22.724 45.3311 21.0424 46.4783 21.8361ZM46.3133 24.4999V27.5958H45.4253V24.4999C45.7239 24.5627 46.0225 24.5627 46.3133 24.4999ZM51.5544 43.3585H40.1921V28.4445H51.5544V43.3585ZM17.5381 29.8903C18.0017 30.2832 18.2374 30.8254 18.2139 31.3833C17.0824 31.7133 17.0509 33.3791 18.1274 33.7799C18.2453 36.0429 21.6241 36.0429 21.7499 33.7799C22.85 33.3634 22.7792 31.7054 21.6634 31.3833C21.6477 30.8175 21.8835 30.2753 22.3235 29.8981C23.1486 29.1909 23.62 28.1694 23.62 27.0851C23.6593 25.0656 21.852 23.2898 19.8247 23.3998C17.8367 23.4626 16.2023 25.1913 16.2494 27.1715C16.2809 28.2244 16.7445 29.2067 17.5381 29.8903ZM19.9819 34.6285C19.5025 34.6678 19.0625 34.3378 18.9839 33.8663H20.8855C20.8148 34.2985 20.4376 34.6285 19.9819 34.6285ZM21.5691 32.8998C21.4984 32.9784 21.3884 33.0177 21.2784 33.0177H18.5989C18.0489 33.0177 18.0489 32.169 18.6068 32.169H21.2705C21.6399 32.1612 21.8363 32.6484 21.5691 32.8998ZM19.8561 24.2563C22.4964 24.1384 23.8007 27.5644 21.7734 29.2459C21.1605 29.7646 20.8148 30.5189 20.8148 31.3047H20.3669V28.9316H20.7676C21.0034 28.9316 21.192 28.7431 21.192 28.5073C21.192 28.2716 21.0034 28.083 20.7676 28.083H19.1097C18.8739 28.083 18.6853 28.2716 18.6853 28.5073C18.6853 28.7431 18.8739 28.9316 19.1097 28.9316H19.5104V31.3047H19.0625C19.0704 30.5268 18.7168 29.7646 18.0881 29.2302C17.4831 28.7116 17.1216 27.9494 17.0981 27.1479C17.0666 25.6314 18.3317 24.3034 19.8561 24.2563ZM43.4766 36.3415C43.9402 36.7344 44.176 37.2766 44.1524 37.8345C43.0209 38.1645 42.9894 39.8304 44.0659 40.2311C44.1838 42.4942 47.5627 42.4942 47.6884 40.2311C48.7885 39.8225 48.7178 38.1567 47.6019 37.8345C47.5862 37.2687 47.822 36.7265 48.262 36.3494C50.8944 34.1335 49.2128 29.7331 45.7632 29.851C43.7752 29.9139 42.1408 31.6426 42.1879 33.6227C42.2115 34.6835 42.683 35.6657 43.4766 36.3415ZM45.9204 41.0876C45.4411 41.1269 45.001 40.7969 44.9224 40.3254H46.824C46.7533 40.7576 46.3761 41.0876 45.9204 41.0876ZM47.4998 39.3589C47.4291 39.4375 47.3269 39.4768 47.2091 39.4768H44.5296C43.9795 39.4689 43.9874 38.6281 44.5374 38.6281H47.2012C47.5784 38.6203 47.7748 39.0996 47.4998 39.3589ZM47.8455 31.5168C49.0399 32.6248 48.9692 34.6757 47.7041 35.705C47.0912 36.2237 46.7455 36.978 46.7455 37.7638H46.2976V35.3986H46.6983C46.934 35.3986 47.1226 35.21 47.1226 34.9743C47.1226 34.7385 46.934 34.5499 46.6983 34.5499H45.0403C44.8046 34.5499 44.616 34.7385 44.616 34.9743C44.616 35.21 44.8046 35.3986 45.0403 35.3986H45.4411V37.7716H45.001C45.0089 36.9937 44.6553 36.2315 44.0267 35.6972C43.4216 35.1786 43.0602 34.4164 43.0366 33.6149C42.9737 31.1475 46.0854 29.741 47.8455 31.5168Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tThe Difference\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThis differs from car or home insurance, which are \"Occurrence-based\" (covering you forever for accidents that happened during the policy term).\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8d44a4 elementor-widget elementor-widget-heading\" data-id=\"f8d44a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">The \"Retroactive Date\" Trap<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f156249 readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"f156249\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Every professional liability insurance policy includes a retroactive date, which is the specific date your coverage history begins.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b6436e6 e-con-full e-grid e-con e-child\" data-id=\"b6436e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e82ff4d icon-card elementor-widget-mobile__width-inherit elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e82ff4d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"66\" viewBox=\"0 0 66 66\" fill=\"none\"><circle cx=\"33\" cy=\"33\" r=\"33\" fill=\"#0A3B84\"><\/circle><path d=\"M33 41.3589C34.092 41.3591 34.9921 42.259 34.9443 43.4009V43.4233C34.9909 44.4358 34.0502 45.3558 33 45.356C31.9149 45.356 31.0012 44.443 31.001 43.3579C31.001 42.2727 31.9148 41.3589 33 41.3589Z\" fill=\"white\" stroke=\"#0A3B84\" stroke-width=\"0.5\"><\/path><path d=\"M33.0088 13.5C35.6543 13.5 38.0067 14.8611 39.3115 17.1592L39.3125 17.1631L53.3984 41.5566C54.7113 43.8289 54.704 46.5431 53.3809 48.8271V48.8281C52.0481 51.1306 49.6847 52.5 47.0498 52.5H18.9141C16.3678 52.5 14.0873 51.2298 12.7529 49.0986L12.627 48.8896C11.2966 46.6078 11.287 43.8759 12.6006 41.5752L26.7051 17.1543L26.7061 17.1523C28.0112 14.8704 30.3638 13.5 33.0088 13.5ZM33.0088 16.0264C31.2839 16.0264 29.7507 16.9118 28.8965 18.4072L14.793 42.8193L14.792 42.8213C13.9833 44.232 13.9421 45.8944 14.6504 47.3271L14.8018 47.6104C15.657 49.0895 17.2004 49.9648 18.9053 49.9648H47.041C48.7677 49.9647 50.3172 49.0685 51.1885 47.5664V47.5654C52.0491 46.0744 52.0624 44.3006 51.2158 42.8291L37.1211 18.417C36.2676 16.9225 34.7263 16.0264 33.0088 16.0264Z\" fill=\"white\" stroke=\"#0A3B84\"><\/path><path d=\"M32.5049 25.564C33.4569 25.3427 34.4013 25.7976 34.8105 26.689H34.8115C34.9479 27.0099 34.998 27.3345 34.998 27.7153C34.9712 28.2706 34.9335 28.8267 34.8955 29.3853C34.8574 29.9463 34.8191 30.5103 34.792 31.0747C34.7426 31.9421 34.6904 32.8095 34.6387 33.6772C34.5871 34.5421 34.5366 35.4077 34.4873 36.2729C34.4325 36.8489 34.4316 37.3696 34.4316 37.9214C34.3928 38.7205 33.7781 39.3207 33 39.3208C32.2634 39.3208 31.6891 38.8258 31.582 38.1177L31.5674 37.9731L31.1084 29.9048V29.8999L31.0322 28.8315C31.0079 28.4806 30.9825 28.1287 30.9561 27.7788C30.9561 26.6993 31.5588 25.837 32.5049 25.564Z\" fill=\"white\" stroke=\"#0A3B84\" stroke-width=\"0.5\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tWarning\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tIf you let your policy lapse, even for a few days, your new policy may reset this date to \"today,\" eliminating coverage for all prior work.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c57564 icon-card elementor-widget-mobile__width-inherit elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"7c57564\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"66\" height=\"66\" viewBox=\"0 0 66 66\" fill=\"none\"><circle cx=\"33\" cy=\"33\" r=\"33\" fill=\"#0A3B84\"><\/circle><path d=\"M46.1649 20.2964C44.2707 20.2964 42.4753 21.0428 41.1915 22.3302C39.8814 19.1091 36.7177 16.832 33.0316 16.832C29.8589 16.832 26.9766 18.5222 25.4146 21.2172L25.1498 20.7063C25.1621 20.6573 25.1746 20.6051 25.1877 20.5488C25.5545 18.9416 25.2736 17.2877 24.3965 15.8917C23.5193 14.4953 22.1507 13.5244 20.5434 13.1577C18.9365 12.7899 17.2824 13.0704 15.8859 13.9477C14.4897 14.8248 13.5188 16.1928 13.1519 17.7999C12.784 19.4077 13.0645 21.0624 13.9418 22.4592C14.8188 23.8556 16.187 24.8267 17.7944 25.1935C18.2548 25.2985 18.7185 25.3498 19.1782 25.3498C20.7002 25.3497 22.1763 24.7866 23.3264 23.7398L24.4218 23.7889C24.2928 24.3938 24.2268 25.0128 24.2268 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39.6259ZM33.0053 43.0234L33.9595 43.9599L33.0051 44.9314L32.0513 43.9605L33.0053 43.0234ZM32.6147 46.0955C32.7176 46.2003 32.8582 46.2593 33.0051 46.2593C33.1519 46.2593 33.2925 46.2003 33.3954 46.0955L33.8395 45.6435L35.4494 51.9055H30.5609L32.1714 45.6442L32.6147 46.0955ZM19.6681 46.2748C19.6681 43.7087 21.7549 41.6209 24.3198 41.6209H27.1714L30.3531 44.8617C30.4547 44.9652 30.5934 45.0241 30.7385 45.0255C30.7402 45.0255 30.7418 45.0255 30.7435 45.0255C30.8868 45.0255 31.0245 44.9692 31.1269 44.8687L31.2708 44.7274L31.2759 44.7327L29.4311 51.9055H19.6681V46.2748ZM46.3443 46.2748V51.9055H36.5792L34.7355 44.7342C34.7354 44.7334 34.7351 44.7327 34.7348 44.732L34.7404 44.7262L34.8856 44.8688C34.9921 44.9733 35.1305 45.0255 35.2688 45.0255C35.4105 45.0255 35.5521 44.9708 35.6593 44.8616L38.8409 41.6209H41.6925C44.2575 41.6209 46.3443 43.7087 46.3443 46.2748ZM35.2617 43.7047L33.7788 42.2494L36.3547 39.6257L37.8376 41.081L35.2617 43.7047ZM35.8005 38.6284L33.0051 41.4757L30.2097 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29.7836C40.3746 30.0914 40.2527 30.3716 40.0533 30.5778ZM48.6324 36.4841C48.6324 36.9776 48.231 37.379 47.7375 37.379H44.7405C44.2471 37.379 43.8456 36.9776 43.8456 36.4841V35.5893H48.6324V36.4841ZM49.4737 31.1967C48.9391 31.5501 48.6324 32.1104 48.6324 32.7341V34.495H43.8456V32.8315C43.8456 32.1905 43.5256 31.6213 42.9683 31.2703C42.3755 30.8957 41.8715 30.4306 41.4664 29.8886C41.468 29.8537 41.4688 29.8187 41.4688 29.7835C41.4688 29.4348 41.3885 29.1046 41.2456 28.8101C41.6375 27.7973 41.8365 26.7312 41.8365 25.6368C41.8365 24.9115 41.7478 24.2066 41.5815 23.5317C42.6677 22.1868 44.3612 21.3906 46.1648 21.3906C49.3331 21.3906 51.9107 23.8112 51.9107 26.7865C51.9107 28.5369 50.9995 30.1857 49.4737 31.1967ZM45.6177 19.0028V16.3957C45.6177 16.0936 45.8627 15.8486 46.1648 15.8486C46.4669 15.8486 46.7119 16.0936 46.7119 16.3957V19.0028C46.7119 19.305 46.4669 19.55 46.1648 19.55C45.8627 19.55 45.6177 19.305 45.6177 19.0028ZM49.9241 19.8611L51.2265 17.6061C51.3776 17.3445 51.7122 17.2549 51.9739 17.406C52.2355 17.5571 52.3252 17.8917 52.174 18.1533L50.8716 20.4083C50.7703 20.5837 50.5864 20.6819 50.3974 20.6819C50.3045 20.6819 50.2104 20.6582 50.1242 20.6084C49.8626 20.4574 49.7729 20.1228 49.9241 19.8611ZM40.1534 18.1534C40.0023 17.8917 40.0919 17.5571 40.3535 17.4061C40.6152 17.2547 40.9498 17.3445 41.101 17.6062L42.4034 19.8611C42.5545 20.1228 42.4649 20.4575 42.2033 20.6085C42.1171 20.6584 42.023 20.682 41.9301 20.682C41.741 20.682 41.5572 20.5838 41.4558 20.4084L40.1534 18.1534ZM49.3147 24.2217C49.5384 24.4249 49.5552 24.7709 49.3521 24.9947L45.6019 29.1257C45.4981 29.2401 45.3509 29.3052 45.1968 29.3052C45.1932 29.3052 45.1896 29.3051 45.1859 29.305C45.0279 29.3019 44.8789 29.2305 44.7774 29.1093L42.961 26.9408C42.767 26.7091 42.7975 26.364 43.0291 26.1701C43.2608 25.976 43.6058 26.0066 43.7999 26.2381L45.2134 27.9258L48.5418 24.2592C48.7451 24.0353 49.091 24.0188 49.3147 24.2217ZM17.4575 19.149C17.4575 19.7182 16.9945 20.1813 16.4253 20.1813C15.8561 20.1813 15.3931 19.7182 15.3931 19.149C15.3931 18.5798 15.8562 18.1168 16.4253 18.1168C16.9944 18.1168 17.4575 18.5798 17.4575 19.149ZM20.1954 19.149C20.1954 19.7182 19.7323 20.1813 19.1632 20.1813C18.5952 20.1813 18.1332 19.7182 18.1332 19.149C18.1332 18.5798 18.5952 18.1168 19.1632 18.1168C19.7323 18.1168 20.1954 18.5798 20.1954 19.149ZM22.9354 19.149C22.9354 19.7182 22.4723 20.1813 21.9032 20.1813C21.3341 20.1813 20.871 19.7182 20.871 19.149C20.871 18.5798 21.3341 18.1168 21.9032 18.1168C22.4723 18.1168 22.9354 18.5798 22.9354 19.149Z\" fill=\"white\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tExpert Advice\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNever cancel a policy without consulting a broker. If you are retiring or closing your business, ask us about \"tail coverage\", which extended the reporting period to keep your reporting window open for past liabilities.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d849a9 readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"4d849a9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We actively manage your retroactive dates. If you switch insurers, we ensure your history moves with you so you never lose protection for past work.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38c5894 e-flex e-con-boxed e-con e-parent\" data-id=\"38c5894\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e965ba8 e-con-full e-flex e-con e-child\" data-id=\"e965ba8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59bb8e1 elementor-widget elementor-widget-image\" data-id=\"59bb8e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Navigating-Government-Contracts1x.webp\" class=\"attachment-full size-full wp-image-16690\" alt=\"Professional Liability Insurance For Government Contracts \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Navigating-Government-Contracts1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Navigating-Government-Contracts1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Navigating-Government-Contracts1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Navigating-Government-Contracts1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a42efea e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"a42efea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b7de0a elementor-widget elementor-widget-heading\" data-id=\"3b7de0a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Navigating Government Contracts (TBIPS)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9632861 readMoreContent listblk elementor-widget elementor-widget-text-editor\" data-id=\"9632861\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>We take the &#8220;Red Tape&#8221; out of Federal Insurance Requirements.<\/b><\/p><p><span style=\"font-weight: 400;\">Federal government contracts strictly mandate valid Professional Liability and Commercial General Liability insurance. Procurement officers often ask for specific clauses that can be confusing or even impossible to secure without a broker&#8217;s help.<\/span><\/p><p><b>Our Contract Review Service:<\/b><span style=\"font-weight: 400;\"> When you receive a contract or Statement of Work (SOW), send the insurance clause to ONA.<\/span><\/p><ol><li style=\"font-weight: 400;\" aria-level=\"1\"><b>We Audit the Clause:<\/b><span style=\"font-weight: 400;\"> We verify if the requested limits (e.g., $2M vs $5M) are standard or excessive.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>We Negotiate:<\/b><span style=\"font-weight: 400;\"> If a department asks for &#8220;Additional Insured&#8221; status on your Professional Liability (which is generally uninsurable), we provide the language to push back and correct the request.<\/span><\/li><li aria-level=\"1\"><b>We Certify:<\/b><span style=\"font-weight: 400;\"> We issue Certificates of Insurance immediately upon renewal so you never face a compliance breach or payment hold.<\/span><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-739e2c9 readMoreBtn elementor-widget elementor-widget-button\" data-id=\"739e2c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"11\" viewBox=\"0 0 12 11\" fill=\"none\"><path d=\"M1.52143 1.27021L10.4785 10.2273M10.4785 10.2273L2.01905 10.2273M10.4785 10.2273L10.4785 1.76782\" stroke=\"#E8792A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See More<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e416f59 e-flex e-con-boxed e-con e-parent\" data-id=\"e416f59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ea2c910 e-con-full e-flex e-con e-child\" data-id=\"ea2c910\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-121f243 elementor-widget elementor-widget-heading\" data-id=\"121f243\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cost of Professional Liability in Ottawa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e58112 elementor-widget elementor-widget-text-editor\" data-id=\"6e58112\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><b>How much does professional liability insurance cost?<\/b><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Premiums are influenced by several factors, including your annual revenue, profession, scope of services, claims history, and the liability limit you choose. For a typical Ottawa-based management consultant with a low-risk profile and no prior claims, professional liability insurance premiums can start as low as $500 annually.<\/span><\/p><p><span style=\"font-weight: 400;\">Costs may increase for higher revenue businesses, expanded service offerings, or higher coverage limits such as $2M or more.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a81c66d e-con-full e-flex e-con e-child\" data-id=\"a81c66d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b33509 elementor-widget elementor-widget-image\" data-id=\"4b33509\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Cost-of-Professional-Liability-in-Ottawa1x.webp\" class=\"attachment-full size-full wp-image-16691\" alt=\"Professional Liability Insurance Cost \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Cost-of-Professional-Liability-in-Ottawa1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Cost-of-Professional-Liability-in-Ottawa1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Cost-of-Professional-Liability-in-Ottawa1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Cost-of-Professional-Liability-in-Ottawa1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-41bd4b9 e-flex e-con-boxed e-con e-parent\" data-id=\"41bd4b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4c41e1 elementor-widget elementor-widget-heading\" data-id=\"f4c41e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">FAQ: Professional Liability Essentials<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d16b4ac accordion-wrap elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"d16b4ac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-adv-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t            <div class=\"eael-adv-accordion\" id=\"eael-adv-accordion-d16b4ac\" data-scroll-on-click=\"yes\" data-scroll-speed=\"300\" data-accordion-id=\"d16b4ac\" data-accordion-type=\"accordion\" data-toogle-speed=\"300\">\n            <div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"autotab1\" class=\"elementor-tab-title eael-accordion-header active-default\" tabindex=\"0\" data-tab=\"1\" aria-controls=\"elementor-tab-content-2191\"><span class=\"eael-accordion-tab-title\">Does professional liability insurance cover data breaches?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2191\" class=\"eael-accordion-content clearfix active-default\" data-tab=\"1\" aria-labelledby=\"autotab1\"><p><b>Generally, no.<\/b><span style=\"font-weight: 400\"> Standard professional liability insurance policies exclude cyberattacks. However, we often write tech errors &amp; omissions packages that combine professional liability with cyber liability, ensuring you are covered for both coding errors and the data breaches they may cause.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"autotab9\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"2\" aria-controls=\"elementor-tab-content-2192\"><span class=\"eael-accordion-tab-title\">Can I treat my legal defense costs as \"outside the limit\"?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2192\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"autotab9\"><p><span style=\"font-weight: 400\">Some policies allow legal defense costs to be paid \u201coutside the limit,\u201d keeping your full policy available for settlements or judgments. Availability depends on the insurer, so check with your broker or provider.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"autotab9\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"3\" aria-controls=\"elementor-tab-content-2193\"><span class=\"eael-accordion-tab-title\">Do I need professional liability insurance if I am incorporated?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2193\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"autotab9\"><p><span style=\"font-weight: 400\">Yes. While incorporation limits liability for commercial debts (like rent), professional negligence is a personal tort. A client can sue both your corporation <\/span><i><span style=\"font-weight: 400\">and<\/span><\/i><span style=\"font-weight: 400\"> you personally. Professional liability insurance is essential to protect both corporate and personal assets.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><div class=\"eael-accordion-list\">\n\t\t\t\t\t<div id=\"autotab9\" class=\"elementor-tab-title eael-accordion-header\" tabindex=\"0\" data-tab=\"4\" aria-controls=\"elementor-tab-content-2194\"><span class=\"eael-accordion-tab-title\">What happens to my insurance if I retire?<\/span><svg aria-hidden=\"true\" class=\"fa-toggle e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><div id=\"elementor-tab-content-2194\" class=\"eael-accordion-content clearfix\" data-tab=\"4\" aria-labelledby=\"autotab9\"><p><span style=\"font-weight: 400\">Because professional liability insuranceI is &#8220;claims-made,&#8221; retiring leaves you exposed to claims from past work. You must purchase tail coverage to maintain protection for claims filed after you have ceased operations.<\/span><\/p><\/div>\n\t\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-225a72a e-flex e-con-boxed e-con e-parent\" data-id=\"225a72a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1bb4bd7 e-con-full e-flex e-con e-child\" data-id=\"1bb4bd7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-60d5beb elementor-widget elementor-widget-image\" data-id=\"60d5beb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"1272\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Why-Choose-ONA-For-Your-Professional-Liability-Insurance_1x.webp\" class=\"attachment-full size-full wp-image-16692\" alt=\"Professional Liability Insurance Benefits \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Why-Choose-ONA-For-Your-Professional-Liability-Insurance_1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Why-Choose-ONA-For-Your-Professional-Liability-Insurance_1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Why-Choose-ONA-For-Your-Professional-Liability-Insurance_1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Why-Choose-ONA-For-Your-Professional-Liability-Insurance_1x-768x888.webp 768w\" sizes=\"(max-width: 1100px) 100vw, 1100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-792ff60 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"792ff60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18664a0 elementor-widget elementor-widget-heading\" data-id=\"18664a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why Choose ONA For Your Professional Liability Insurance?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27d76a8 elementor-widget elementor-widget-text-editor\" data-id=\"27d76a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">We know you have options, including online &#8220;direct-writers&#8221; promising instant quotes. But insurance is a legal contract, not a commodity.<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>We Work for You:<\/b><span style=\"font-weight: 400;\"> Direct agents represent the insurance company. As independent brokers, we represent <\/span><i><span style=\"font-weight: 400;\">you<\/span><\/i><span style=\"font-weight: 400;\">, protecting your interests especially during a claim.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Local Roots:<\/b><span style=\"font-weight: 400;\"> With insurance brokerage offices in <\/span><strong><a href=\"https:\/\/www.ona.ca\/insurance-brokers-ottawa\/\">Ottawa<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/www.ona.ca\/insurance-brokers-in-manotick\/\">Manotick<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/www.ona.ca\/insurance-brokers-in-almonte\/\">Almonte<\/a><\/strong><span style=\"font-weight: 400;\">, <\/span><strong><a href=\"https:\/\/www.ona.ca\/insurance-brokers-russell\/\">Russell<\/a><\/strong><span style=\"font-weight: 400;\">, and <\/span><a href=\"https:\/\/www.ona.ca\/insurance-brokers-in-orleans\/\"><span style=\"font-weight: 400;\"><strong>Orleans<\/strong><\/span><\/a><span style=\"font-weight: 400;\">, we are real people you can meet face-to-face.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Claims Advocacy:<\/b><span style=\"font-weight: 400;\"> We don&#8217;t just sell the policy. If you are sued, we fight to ensure the insurer honors their commitment.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9391b68 e-flex e-con-boxed e-con e-parent\" data-id=\"9391b68\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a121367 elementor-widget elementor-widget-text-editor\" data-id=\"a121367\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Ready to <\/span><strong><a href=\"https:\/\/www.ona.ca\/commercial-insurance\/\">protect your business<\/a><\/strong><span style=\"font-weight: 400;\">?<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Don&#8217;t let a single allegation undo years of hard work. Contact Oegema, Nicholson &amp; Associates today for a Free Quote and experience the difference of real advice from real experts.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5768500 elementor-widget elementor-widget-button\" data-id=\"5768500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Request Your Professional Liability Quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c574d6 e-con-full e-flex e-con e-parent\" data-id=\"6c574d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df170ed elementor-widget__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"df170ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"818\" class=\"elementor elementor-818\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-dc4e70e e-con-full e-flex e-con e-parent\" data-id=\"dc4e70e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ba1003c e-flex e-con-boxed e-con e-child\" data-id=\"ba1003c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-84456dc elementor-widget elementor-widget-heading\" data-id=\"84456dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What Our Clients Are Saying\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bd1828 elementor-widget elementor-widget-heading\" data-id=\"7bd1828\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Real stories from people who trust <br> Oegema Nicholson Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d97ed84 elementor-widget elementor-widget-image\" data-id=\"d97ed84\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"294\" height=\"70\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google_review.webp\" class=\"attachment-full size-full wp-image-329\" alt=\"Google Review Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b9cbc23 e-con-full e-flex e-con e-child\" data-id=\"b9cbc23\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed0ef04 testimonial-slider elementor-arrows-position-inside elementor-widget elementor-widget-n-carousel\" data-id=\"ed0ef04\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;carousel_items&quot;:[{&quot;slide_title&quot;:&quot;Slide #1&quot;,&quot;_id&quot;:&quot;27b54a4&quot;},{&quot;slide_title&quot;:&quot;Slide #2&quot;,&quot;_id&quot;:&quot;c4bca85&quot;},{&quot;slide_title&quot;:&quot;Slide #3&quot;,&quot;_id&quot;:&quot;e27807a&quot;},{&quot;slide_title&quot;:&quot;Slide #4&quot;,&quot;_id&quot;:&quot;29b8290&quot;},{&quot;slide_title&quot;:&quot;Slide #5&quot;,&quot;_id&quot;:&quot;b5211e8&quot;}],&quot;slides_to_show&quot;:&quot;2&quot;,&quot;offset_sides&quot;:&quot;both&quot;,&quot;offset_width&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]},&quot;image_spacing_custom&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:5,&quot;sizes&quot;:[]},&quot;slides_to_show_tablet&quot;:&quot;1&quot;,&quot;slides_to_scroll_tablet&quot;:&quot;1&quot;,&quot;offset_width_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:140,&quot;sizes&quot;:[]},&quot;offset_width_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:20,&quot;sizes&quot;:[]},&quot;image_spacing_custom_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;slides_to_show_mobile&quot;:&quot;1&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;infinite&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;arrows&quot;:&quot;yes&quot;,&quot;image_spacing_custom_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-carousel swiper\" role=\"region\" aria-roledescription=\"carousel\" aria-label=\"Carousel\" dir=\"ltr\">\n\t\t\t<div class=\"swiper-wrapper\" aria-live=\"off\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"1\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"1 of 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-884c27a e-flex e-con-boxed e-con e-child\" data-id=\"884c27a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-dd16f8e e-con-full fullHeight e-flex e-con e-child\" data-id=\"dd16f8e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c123454 e-con-full fullHeight e-flex e-con e-child\" data-id=\"c123454\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d2f3ee elementor-widget elementor-widget-text-editor\" data-id=\"5d2f3ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;One call to Oegema, Nicholson &amp; Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ec17f6b e-con-full e-flex e-con e-child\" data-id=\"ec17f6b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-eaee2cb e-con-full e-flex e-con e-child\" data-id=\"eaee2cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68ea1c6 testi_img elementor-widget elementor-widget-image\" data-id=\"68ea1c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"47\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/jennifer.webp\" class=\"attachment-full size-full wp-image-339\" alt=\"Jennifer Parks, Stittsville, Ontario - Oegema, Nicholson &amp; Associates\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c8b0aa e-con-full e-flex e-con e-child\" data-id=\"3c8b0aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f283306 e-con-full e-flex e-con e-child\" data-id=\"f283306\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-58bb02e e-con-full e-flex e-con e-child\" data-id=\"58bb02e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac7db76 elementor-widget elementor-widget-heading\" data-id=\"ac7db76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Jennifer Parks, <span>Stittsville, Ontario<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9efaaaa elementor-widget elementor-widget-image\" data-id=\"9efaaaa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"19\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/rating.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"5 Star Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c891c3e elementor-widget elementor-widget-image\" data-id=\"c891c3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google-logo.svg\" class=\"attachment-full size-full wp-image-322\" alt=\"Google Logo\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-773a1be elementor-absolute elementor-widget elementor-widget-image\" data-id=\"773a1be\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"42\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-149.webp\" class=\"attachment-full size-full wp-image-380\" alt=\"Tick Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"2\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"2 of 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db850fb e-flex e-con-boxed e-con e-child\" data-id=\"db850fb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-072e9fb e-con-full fullHeight e-flex e-con e-child\" data-id=\"072e9fb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-c22d763 e-con-full fullHeight e-flex e-con e-child\" data-id=\"c22d763\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ecbcec5 elementor-widget elementor-widget-text-editor\" data-id=\"ecbcec5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cI\u2019ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5155b8f e-con-full e-flex e-con e-child\" data-id=\"5155b8f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-d083bcd e-con-full e-flex e-con e-child\" data-id=\"d083bcd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0d68e8 testi_img elementor-widget elementor-widget-image\" data-id=\"c0d68e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"47\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Charlene.webp\" class=\"attachment-full size-full wp-image-342\" alt=\"Charlene Brunet, President, Dan Murphy Ford - Oegema, Nicholson &amp; Associate\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e19287e e-con-full e-flex e-con e-child\" data-id=\"e19287e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-328f402 e-con-full e-flex e-con e-child\" data-id=\"328f402\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0134b3a e-con-full e-flex e-con e-child\" data-id=\"0134b3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f6766f8 elementor-widget elementor-widget-heading\" data-id=\"f6766f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Charlene Brunet, <span>Butler Group of Company<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb1c972 elementor-widget elementor-widget-image\" data-id=\"cb1c972\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"19\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/rating.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"5 Star Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5363fa elementor-widget elementor-widget-image\" data-id=\"b5363fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google-logo.svg\" class=\"attachment-full size-full wp-image-322\" alt=\"Google Logo\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb32b16 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"cb32b16\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"42\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-149.webp\" class=\"attachment-full size-full wp-image-380\" alt=\"Tick Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"3\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"3 of 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e97152 e-flex e-con-boxed e-con e-child\" data-id=\"2e97152\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bd9c8b9 e-con-full fullHeight e-flex e-con e-child\" data-id=\"bd9c8b9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2179696 e-con-full fullHeight e-flex e-con e-child\" data-id=\"2179696\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ee215ae elementor-widget elementor-widget-text-editor\" data-id=\"ee215ae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cONA helps me with my personal insurance and my business insurance. They are my one stop shop when it comes to insurance and group benefits. I know I\u2019m covered in all areas. Great friendly service and knowledgeable staff!\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bc0d32e e-con-full e-flex e-con e-child\" data-id=\"bc0d32e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ee09b97 e-con-full e-flex e-con e-child\" data-id=\"ee09b97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-294ea2f testi_img elementor-widget elementor-widget-image\" data-id=\"294ea2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"47\" height=\"47\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/J.svg\" class=\"attachment-full size-full wp-image-3188\" alt=\"James Carriveau, President - Oegema, Nicholson &amp; Associates\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1449dda e-con-full e-flex e-con e-child\" data-id=\"1449dda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-214c0a3 e-con-full e-flex e-con e-child\" data-id=\"214c0a3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ac99073 e-con-full e-flex e-con e-child\" data-id=\"ac99073\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bab1386 elementor-widget elementor-widget-heading\" data-id=\"bab1386\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">James Carriveau,<span> President, Exact Interlock and Exact Properties<\/span><\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8a77333 elementor-widget elementor-widget-image\" data-id=\"8a77333\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"19\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/rating.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"5 Star Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0967c47 elementor-widget elementor-widget-image\" data-id=\"0967c47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google-logo.svg\" class=\"attachment-full size-full wp-image-322\" alt=\"Google Logo\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86912e0 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"86912e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"42\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-149.webp\" class=\"attachment-full size-full wp-image-380\" alt=\"Tick Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"4\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"4 of 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-de4c980 e-flex e-con-boxed e-con e-child\" data-id=\"de4c980\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-180fa26 e-con-full fullHeight e-flex e-con e-child\" data-id=\"180fa26\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-972f0ca e-con-full fullHeight e-flex e-con e-child\" data-id=\"972f0ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79aaebe elementor-widget elementor-widget-text-editor\" data-id=\"79aaebe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>&#8220;It\u2019s always a pleasure to deal with Oegema, Nicholson &amp; Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it\u2019s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I\u2019m taken care of.&#8221;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88a11ec e-con-full e-flex e-con e-child\" data-id=\"88a11ec\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-28fb83b e-con-full e-flex e-con e-child\" data-id=\"28fb83b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5c0fabf testi_img elementor-widget elementor-widget-image\" data-id=\"5c0fabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"47\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/R.svg\" class=\"attachment-full size-full wp-image-3185\" alt=\"Profile Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5adf865 e-con-full e-flex e-con e-child\" data-id=\"5adf865\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-28b09a5 e-con-full e-flex e-con e-child\" data-id=\"28b09a5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c2af7ff e-con-full e-flex e-con e-child\" data-id=\"c2af7ff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ab9a733 elementor-widget elementor-widget-heading\" data-id=\"ab9a733\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Rhonda, <span>Capital Dodge<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb0921a elementor-widget elementor-widget-image\" data-id=\"bb0921a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"19\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/rating.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"5 Star Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-40194aa elementor-widget elementor-widget-image\" data-id=\"40194aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google-logo.svg\" class=\"attachment-full size-full wp-image-322\" alt=\"Google Logo\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-701f911 elementor-absolute elementor-widget elementor-widget-image\" data-id=\"701f911\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"42\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-149.webp\" class=\"attachment-full size-full wp-image-380\" alt=\"Tick Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\" data-slide=\"5\" role=\"group\" aria-roledescription=\"slide\" aria-label=\"5 of 5\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d3f148 e-flex e-con-boxed e-con e-child\" data-id=\"1d3f148\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c850327 e-con-full fullHeight e-flex e-con e-child\" data-id=\"c850327\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-4325ad2 e-con-full fullHeight e-flex e-con e-child\" data-id=\"4325ad2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-26a0615 elementor-widget elementor-widget-text-editor\" data-id=\"26a0615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u201cI would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can\u2019t begin to thank her enough.\u201d<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d928c77 e-con-full e-flex e-con e-child\" data-id=\"d928c77\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4beb776 e-con-full e-flex e-con e-child\" data-id=\"4beb776\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8fbd85 testi_img elementor-widget elementor-widget-image\" data-id=\"b8fbd85\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"46\" height=\"47\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/T.svg\" class=\"attachment-full size-full wp-image-3190\" alt=\"Profile Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a00fc4a e-con-full e-flex e-con e-child\" data-id=\"a00fc4a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8f16332 e-con-full e-flex e-con e-child\" data-id=\"8f16332\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0ed35e4 e-con-full e-flex e-con e-child\" data-id=\"0ed35e4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f84d38f elementor-widget elementor-widget-heading\" data-id=\"f84d38f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Tim<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e0a1a elementor-widget elementor-widget-image\" data-id=\"27e0a1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"96\" height=\"19\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/rating.webp\" class=\"attachment-large size-large wp-image-328\" alt=\"5 Star Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1b1e81 elementor-widget elementor-widget-image\" data-id=\"d1b1e81\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"#\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"57\" height=\"57\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/google-logo.svg\" class=\"attachment-full size-full wp-image-322\" alt=\"Google Logo\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-185e85d elementor-absolute elementor-widget elementor-widget-image\" data-id=\"185e85d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"41\" height=\"42\" src=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2025\/05\/Group-149.webp\" class=\"attachment-full size-full wp-image-380\" alt=\"Tick Icon\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\" role=\"button\" tabindex=\"0\" aria-label=\"Previous\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 21 20\" width=\"21\" height=\"20\"><title>arraow-right<\/title><style>\t\t.s0 { fill: none;stroke: #e8792a;stroke-linecap: round;stroke-linejoin: round;stroke-width: 1.5 } \t<\/style><path class=\"s0\" d=\"m19.5 9.9h-18m0 0l8.5-8.5m-8.5 8.5l8.5 8.5\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\" role=\"button\" tabindex=\"0\" aria-label=\"Next\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"21\" height=\"20\" viewBox=\"0 0 21 20\" fill=\"none\"><path d=\"M1.5 9.92432L19.5 9.92432M19.5 9.92432L11 1.42432M19.5 9.92432L11 18.4243\" stroke=\"#E8792A\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bee00f9 e-con-full e-flex e-con e-parent\" data-id=\"bee00f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bb0a03 elementor-widget__width-inherit elementor-widget elementor-widget-shortcode\" data-id=\"7bb0a03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"768\" class=\"elementor elementor-768\" data-elementor-post-type=\"elementor_library\">\n\t\t\t<div class=\"elementor-element elementor-element-f79d907 service-areas-tab e-flex e-con-boxed e-con e-parent\" data-id=\"f79d907\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6081a60 e-con-full e-flex e-con e-child\" data-id=\"6081a60\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe84ccd elementor-widget elementor-widget-heading\" data-id=\"fe84ccd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Service Areas<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4571a7 elementor-widget elementor-widget-heading\" data-id=\"a4571a7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insuring Individuals and Businesses in Ottawa and Beyond<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5a5afd e-flex e-con-boxed e-con e-child\" data-id=\"b5a5afd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d09bcb e-n-tabs-none elementor-widget elementor-widget-n-tabs\" data-id=\"4d09bcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tabs_justify_horizontal&quot;:&quot;stretch&quot;,&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"80780235\" aria-label=\"Tabs. 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16.5047L3.90689 16.7316L9.94252 23.1385C10.0302 23.2316 10.1359 23.3057 10.2533 23.3564C10.3707 23.4071 10.4972 23.4332 10.625 23.4332C10.7529 23.4332 10.8794 23.4071 10.9967 23.3564C11.1141 23.3057 11.2199 23.2316 11.3075 23.1385L17.3431 16.7316L17.5356 16.5047Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eba2383 elementor-widget elementor-widget-heading\" data-id=\"eba2383\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/maps\/place\/Oegema,+Nicholson+%26+Associates+Insurance+Brokers+Ltd.\/@45.3402576,-75.755151,792m\/data=!3m2!1e3!4b1!4m6!3m5!1s0x4cce07113db4d4f5:0xc2080341bdcb44cc!8m2!3d45.3402576!4d-75.755151!16s%2Fg%2F1tdqh2q3?entry=ttu&#038;g_ep=EgoyMDI1MDUyNy4wIKXMDSoASAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">1451 Woodroffe Avenue, Ottawa, Ontario K2G 1W1<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a81c3ca e-con-full e-flex e-con e-child\" data-id=\"a81c3ca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c922e51 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"c922e51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M13.4924 1.90347C13.5152 1.81795 13.5546 1.73776 13.6084 1.66748C13.6622 1.59721 13.7294 1.53824 13.806 1.49393C13.8826 1.44962 13.9672 1.42085 14.055 1.40927C14.1427 1.39768 14.2319 1.40351 14.3174 1.42641C15.9441 1.85074 17.4283 2.70107 18.617 3.88981C19.8058 5.07856 20.6561 6.56273 21.0804 8.18943C21.1033 8.27493 21.1092 8.3641 21.0976 8.45185C21.086 8.5396 21.0572 8.62421 21.0129 8.70083C20.9686 8.77746 20.9096 8.84459 20.8394 8.89841C20.7691 8.95223 20.6889 8.99166 20.6034 9.01446C20.5466 9.0295 20.4881 9.03705 20.4294 9.03691C20.281 9.037 20.1367 8.98809 20.019 8.89776C19.9013 8.80743 19.8167 8.68076 19.7783 8.5374C19.414 7.14011 18.6837 5.86524 17.6627 4.84417C16.6416 3.82311 15.3667 3.0928 13.9694 2.7285C13.8839 2.7057 13.8037 2.66627 13.7334 2.61245C13.6632 2.55864 13.6042 2.4915 13.5599 2.41487C13.5156 2.33825 13.4868 2.25364 13.4752 2.16589C13.4636 2.07814 13.4695 1.98897 13.4924 1.90347ZM13.0714 6.32048C14.7047 6.75601 15.7508 7.80217 16.1864 9.4354C16.2247 9.57875 16.3093 9.70543 16.427 9.79575C16.5448 9.88608 16.689 9.935 16.8374 9.93491C16.8961 9.93504 16.9546 9.9275 17.0114 9.91246C17.0969 9.88966 17.1771 9.85022 17.2474 9.7964C17.3176 9.74259 17.3766 9.67545 17.4209 9.59883C17.4652 9.5222 17.494 9.4376 17.5056 9.34985C17.5172 9.2621 17.5114 9.17292 17.4884 9.08743C16.9272 6.98724 15.5196 5.57963 13.4194 5.01839C13.3339 4.99554 13.2448 4.98976 13.157 5.00137C13.0693 5.01297 12.9847 5.04175 12.9081 5.08605C12.8315 5.13035 12.7643 5.1893 12.7105 5.25955C12.6567 5.32979 12.6172 5.40995 12.5944 5.49545C12.5715 5.58094 12.5657 5.6701 12.5774 5.75784C12.589 5.84557 12.6177 5.93016 12.662 6.00677C12.7063 6.08338 12.7653 6.15051 12.8355 6.20434C12.9058 6.25817 12.9859 6.29763 13.0714 6.32048ZM21.9885 17.2087C21.7962 18.676 21.0761 20.0231 19.9628 20.9982C18.8496 21.9733 17.4193 22.5096 15.9394 22.5068C7.15029 22.5068 1.11937e-05 15.3565 1.11937e-05 6.56743C-0.00282395 5.08803 0.532993 3.65819 1.50737 2.545C2.48176 1.4318 3.82806 0.711384 5.29481 0.518315C5.63245 0.477283 5.9743 0.546904 6.269 0.716721C6.5637 0.886539 6.79535 1.14739 6.92916 1.46009L9.29762 6.74703C9.40219 6.98637 9.44546 7.24801 9.42351 7.50828C9.40156 7.76855 9.31509 8.01925 9.1719 8.2377C9.15746 8.25993 9.14172 8.2813 9.12475 8.30168L6.75966 11.1146C6.7453 11.1438 6.73783 11.1759 6.73783 11.2084C6.73783 11.2409 6.7453 11.2729 6.75966 11.3021C7.61949 13.0622 9.46487 14.8941 11.2496 15.7528C11.2794 15.7664 11.312 15.7728 11.3447 15.7717C11.3774 15.7705 11.4095 15.7617 11.4382 15.7461L14.2096 13.3888C14.2295 13.3717 14.2505 13.3559 14.2725 13.3417C14.49 13.1967 14.7402 13.1082 15.0005 13.0843C15.2608 13.0604 15.5229 13.1018 15.7632 13.2047L21.0658 15.581C21.3744 15.7178 21.6307 15.9502 21.7969 16.244C21.963 16.5377 22.0302 16.8771 21.9885 17.212V17.2087ZM20.6539 17.0425C20.6576 16.9956 20.6466 16.9487 20.6222 16.9084C20.5978 16.8681 20.5614 16.8365 20.5181 16.818L15.2143 14.4417C15.1853 14.4305 15.1543 14.4258 15.1233 14.4277C15.0923 14.4296 15.062 14.4382 15.0347 14.4529L12.2644 16.8102C12.2442 16.827 12.2228 16.8427 12.2015 16.8573C11.9755 17.008 11.7144 17.0976 11.4435 17.1172C11.1726 17.1369 10.9012 17.086 10.6558 16.9696C8.59494 15.9739 6.54078 13.9388 5.54513 11.897C5.42802 11.6531 5.37589 11.383 5.39379 11.113C5.41168 10.843 5.499 10.5822 5.64727 10.3558C5.66182 10.3334 5.67795 10.312 5.69554 10.2919L8.05839 7.47553C8.07189 7.44613 8.07889 7.41415 8.07889 7.3818C8.07889 7.34944 8.07189 7.31747 8.05839 7.28807L5.69554 2.00001C5.67994 1.95754 5.65187 1.92077 5.61502 1.89454C5.57816 1.8683 5.53424 1.8538 5.489 1.85296H5.46318C4.32154 2.00482 3.27421 2.56702 2.51675 3.43458C1.75929 4.30214 1.34349 5.41574 1.347 6.56743C1.347 14.6135 7.89338 21.1598 15.9394 21.1598C17.0913 21.1633 18.205 20.7474 19.0726 19.9897C19.9402 19.232 20.5023 18.1844 20.6539 17.0425Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Phone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44b3f24 elementor-widget elementor-widget-heading\" data-id=\"44b3f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:6132241455\">613-224-1455<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a14150 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"0a14150\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Your Local Broker Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-564a183 e-con-full e-flex e-con e-child\" data-id=\"564a183\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a15577d elementor-widget elementor-widget-html\" data-id=\"a15577d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Google Maps\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d89742.33910842298!2d-75.77168222491369!3d45.33976614031062!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4cce071115d409a5%3A0x448da3fd6f1d5029!2s1451%20Woodroffe%20Ave%2C%20Ottawa%2C%20ON%20K2G%201W1%2C%20Canada!5e0!3m2!1sen!2sus!4v1749561155236!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-807802352\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-807802352\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-4f98993 e-con-full e-flex e-con e-child\" data-id=\"4f98993\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2ca2a9c e-flex e-con-boxed e-con e-child\" data-id=\"2ca2a9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a626b18 e-con-full e-flex e-con e-child\" data-id=\"a626b18\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c116989 elementor-widget elementor-widget-heading\" data-id=\"c116989\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance Brokers in Manotick<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3c191a e-con-full e-flex e-con e-child\" data-id=\"b3c191a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3656528 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3656528\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"25\" viewBox=\"0 0 22 25\" fill=\"none\"><path d=\"M10.6281 7.2041C9.63358 7.2041 8.67975 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17.5166H2.52377L2.51314 17.5041L2.50002 17.4885C0.881606 15.5746 -0.00439342 13.148 1.63823e-05 10.6416C1.63823e-05 4.77348 4.75689 0.0166016 10.625 0.0166016C16.4931 0.0166016 21.25 4.77348 21.25 10.6416C21.2544 13.148 20.3684 15.5746 18.75 17.4885L18.7369 17.5041L18.7263 17.5166H18.75ZM17.5356 16.5047C18.9283 14.869 19.6914 12.7899 19.6875 10.6416C19.6875 5.6366 15.63 1.5791 10.625 1.5791C5.62002 1.5791 1.56252 5.6366 1.56252 10.6416C1.55861 12.7899 2.32169 14.869 3.71439 16.5047L3.90689 16.7316L9.94252 23.1385C10.0302 23.2316 10.1359 23.3057 10.2533 23.3564C10.3707 23.4071 10.4972 23.4332 10.625 23.4332C10.7529 23.4332 10.8794 23.4071 10.9967 23.3564C11.1141 23.3057 11.2199 23.2316 11.3075 23.1385L17.3431 16.7316L17.5356 16.5047Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ec6dbf elementor-widget elementor-widget-heading\" data-id=\"7ec6dbf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/maps\/place\/Oegema,+Nicholson+%26+Associates+Insurance+Brokers+Ltd.\/@45.2258432,-75.6855496,794m\/data=!3m2!1e3!4b1!4m6!3m5!1s0x4cce795555555555:0x7ae424b7430870fe!8m2!3d45.2258432!4d-75.6855496!16s%2Fg%2F1tjcp1vw?entry=ttu&#038;g_ep=EgoyMDI1MDUyNy4wIKXMDSoASAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">5526 Manotick Main St, Manotick, ON K4M 1A2, Canada<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1b6e44a e-con-full e-flex e-con e-child\" data-id=\"1b6e44a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5baef67 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5baef67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M13.4924 1.90347C13.5152 1.81795 13.5546 1.73776 13.6084 1.66748C13.6622 1.59721 13.7294 1.53824 13.806 1.49393C13.8826 1.44962 13.9672 1.42085 14.055 1.40927C14.1427 1.39768 14.2319 1.40351 14.3174 1.42641C15.9441 1.85074 17.4283 2.70107 18.617 3.88981C19.8058 5.07856 20.6561 6.56273 21.0804 8.18943C21.1033 8.27493 21.1092 8.3641 21.0976 8.45185C21.086 8.5396 21.0572 8.62421 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13.0622 9.46487 14.8941 11.2496 15.7528C11.2794 15.7664 11.312 15.7728 11.3447 15.7717C11.3774 15.7705 11.4095 15.7617 11.4382 15.7461L14.2096 13.3888C14.2295 13.3717 14.2505 13.3559 14.2725 13.3417C14.49 13.1967 14.7402 13.1082 15.0005 13.0843C15.2608 13.0604 15.5229 13.1018 15.7632 13.2047L21.0658 15.581C21.3744 15.7178 21.6307 15.9502 21.7969 16.244C21.963 16.5377 22.0302 16.8771 21.9885 17.212V17.2087ZM20.6539 17.0425C20.6576 16.9956 20.6466 16.9487 20.6222 16.9084C20.5978 16.8681 20.5614 16.8365 20.5181 16.818L15.2143 14.4417C15.1853 14.4305 15.1543 14.4258 15.1233 14.4277C15.0923 14.4296 15.062 14.4382 15.0347 14.4529L12.2644 16.8102C12.2442 16.827 12.2228 16.8427 12.2015 16.8573C11.9755 17.008 11.7144 17.0976 11.4435 17.1172C11.1726 17.1369 10.9012 17.086 10.6558 16.9696C8.59494 15.9739 6.54078 13.9388 5.54513 11.897C5.42802 11.6531 5.37589 11.383 5.39379 11.113C5.41168 10.843 5.499 10.5822 5.64727 10.3558C5.66182 10.3334 5.67795 10.312 5.69554 10.2919L8.05839 7.47553C8.07189 7.44613 8.07889 7.41415 8.07889 7.3818C8.07889 7.34944 8.07189 7.31747 8.05839 7.28807L5.69554 2.00001C5.67994 1.95754 5.65187 1.92077 5.61502 1.89454C5.57816 1.8683 5.53424 1.8538 5.489 1.85296H5.46318C4.32154 2.00482 3.27421 2.56702 2.51675 3.43458C1.75929 4.30214 1.34349 5.41574 1.347 6.56743C1.347 14.6135 7.89338 21.1598 15.9394 21.1598C17.0913 21.1633 18.205 20.7474 19.0726 19.9897C19.9402 19.232 20.5023 18.1844 20.6539 17.0425Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Phone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3ea554 elementor-widget elementor-widget-heading\" data-id=\"e3ea554\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:+16136923403\">+1 613 692 3403<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6da461a elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"6da461a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Your Local Broker Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f49592f e-con-full e-flex e-con e-child\" data-id=\"f49592f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b63aa4 elementor-widget elementor-widget-html\" data-id=\"1b63aa4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Google Maps\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d11240.341032713844!2d-75.68555!3d45.225843!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4cce795555555555%3A0x7ae424b7430870fe!2sOegema%2C%20Nicholson%20%26%20Associates%20Insurance%20Brokers%20Ltd.!5e0!3m2!1sen!2sus!4v1749561551898!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-807802353\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-807802353\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-4160c0b e-flex e-con-boxed e-con e-child\" data-id=\"4160c0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7fa15fc e-con-full e-flex e-con e-child\" data-id=\"7fa15fc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c91e01e e-con-full e-flex e-con e-child\" data-id=\"c91e01e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fd33a69 elementor-widget elementor-widget-heading\" data-id=\"fd33a69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance Brokers in Almonte<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04b9266 e-con-full e-flex e-con e-child\" data-id=\"04b9266\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b8522c8 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b8522c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"25\" viewBox=\"0 0 22 25\" fill=\"none\"><path d=\"M10.6281 7.2041C9.63358 7.2041 8.67975 7.59919 7.97649 8.30245C7.27323 9.00571 6.87814 9.95954 6.87814 10.9541C6.87814 11.9487 7.27323 12.9025 7.97649 13.6058C8.67975 14.309 9.63358 14.7041 10.6281 14.7041C11.6227 14.7041 12.5765 14.309 13.2798 13.6058C13.9831 12.9025 14.3781 11.9487 14.3781 10.9541C14.3781 9.95954 13.9831 9.00571 13.2798 8.30245C12.5765 7.59919 11.6227 7.2041 10.6281 7.2041ZM8.44064 10.9541C8.44064 10.3739 8.67111 9.81754 9.08135 9.4073C9.49158 8.99707 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2.32169 14.869 3.71439 16.5047L3.90689 16.7316L9.94252 23.1385C10.0302 23.2316 10.1359 23.3057 10.2533 23.3564C10.3707 23.4071 10.4972 23.4332 10.625 23.4332C10.7529 23.4332 10.8794 23.4071 10.9967 23.3564C11.1141 23.3057 11.2199 23.2316 11.3075 23.1385L17.3431 16.7316L17.5356 16.5047Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c91cb4e elementor-widget elementor-widget-heading\" data-id=\"c91cb4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/maps\/place\/Oegema,+Nicholson+%26+Associates+Insurance+Brokers+Ltd.\/@45.2224971,-76.195569,794m\/data=!3m2!1e3!4b1!4m6!3m5!1s0x4cd21a85f5f5e85b:0x2940ce9236ef917d!8m2!3d45.2224971!4d-76.195569!16s%2Fg%2F1vc81fk1?entry=ttu&#038;g_ep=EgoyMDI1MDUyNy4wIKXMDSoASAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">154 Bridge St, Almonte, ON K0A 1A0, Canada<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-99feb9d e-con-full e-flex e-con e-child\" data-id=\"99feb9d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7828505 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"7828505\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M13.4924 1.90347C13.5152 1.81795 13.5546 1.73776 13.6084 1.66748C13.6622 1.59721 13.7294 1.53824 13.806 1.49393C13.8826 1.44962 13.9672 1.42085 14.055 1.40927C14.1427 1.39768 14.2319 1.40351 14.3174 1.42641C15.9441 1.85074 17.4283 2.70107 18.617 3.88981C19.8058 5.07856 20.6561 6.56273 21.0804 8.18943C21.1033 8.27493 21.1092 8.3641 21.0976 8.45185C21.086 8.5396 21.0572 8.62421 21.0129 8.70083C20.9686 8.77746 20.9096 8.84459 20.8394 8.89841C20.7691 8.95223 20.6889 8.99166 20.6034 9.01446C20.5466 9.0295 20.4881 9.03705 20.4294 9.03691C20.281 9.037 20.1367 8.98809 20.019 8.89776C19.9013 8.80743 19.8167 8.68076 19.7783 8.5374C19.414 7.14011 18.6837 5.86524 17.6627 4.84417C16.6416 3.82311 15.3667 3.0928 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15.9502 21.7969 16.244C21.963 16.5377 22.0302 16.8771 21.9885 17.212V17.2087ZM20.6539 17.0425C20.6576 16.9956 20.6466 16.9487 20.6222 16.9084C20.5978 16.8681 20.5614 16.8365 20.5181 16.818L15.2143 14.4417C15.1853 14.4305 15.1543 14.4258 15.1233 14.4277C15.0923 14.4296 15.062 14.4382 15.0347 14.4529L12.2644 16.8102C12.2442 16.827 12.2228 16.8427 12.2015 16.8573C11.9755 17.008 11.7144 17.0976 11.4435 17.1172C11.1726 17.1369 10.9012 17.086 10.6558 16.9696C8.59494 15.9739 6.54078 13.9388 5.54513 11.897C5.42802 11.6531 5.37589 11.383 5.39379 11.113C5.41168 10.843 5.499 10.5822 5.64727 10.3558C5.66182 10.3334 5.67795 10.312 5.69554 10.2919L8.05839 7.47553C8.07189 7.44613 8.07889 7.41415 8.07889 7.3818C8.07889 7.34944 8.07189 7.31747 8.05839 7.28807L5.69554 2.00001C5.67994 1.95754 5.65187 1.92077 5.61502 1.89454C5.57816 1.8683 5.53424 1.8538 5.489 1.85296H5.46318C4.32154 2.00482 3.27421 2.56702 2.51675 3.43458C1.75929 4.30214 1.34349 5.41574 1.347 6.56743C1.347 14.6135 7.89338 21.1598 15.9394 21.1598C17.0913 21.1633 18.205 20.7474 19.0726 19.9897C19.9402 19.232 20.5023 18.1844 20.6539 17.0425Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Phone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e077a20 elementor-widget elementor-widget-heading\" data-id=\"e077a20\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:+16132563044\">+1 613 256 3044<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d28550 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"1d28550\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Your Local Broker Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4589bb7 e-con-full e-flex e-con e-child\" data-id=\"4589bb7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a0a6033 elementor-widget elementor-widget-html\" data-id=\"a0a6033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Google Maps\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d11241.002630382553!2d-76.195569!3d45.222497!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4cd21a85f5f5e85b%3A0x2940ce9236ef917d!2sOegema%2C%20Nicholson%20%26%20Associates%20Insurance%20Brokers%20Ltd.!5e0!3m2!1sen!2sus!4v1749561600355!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-807802354\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-807802354\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-9adc257 e-con-full e-flex e-con e-child\" data-id=\"9adc257\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-867b0ef e-flex e-con-boxed e-con e-child\" data-id=\"867b0ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-bfd9234 e-con-full e-flex e-con e-child\" data-id=\"bfd9234\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-807e377 elementor-widget elementor-widget-heading\" data-id=\"807e377\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance Brokers in Russell<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-35bfbc1 e-con-full e-flex e-con e-child\" data-id=\"35bfbc1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0530756 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"0530756\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"25\" viewBox=\"0 0 22 25\" fill=\"none\"><path d=\"M10.6281 7.2041C9.63358 7.2041 8.67975 7.59919 7.97649 8.30245C7.27323 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17.4885C0.881606 15.5746 -0.00439342 13.148 1.63823e-05 10.6416C1.63823e-05 4.77348 4.75689 0.0166016 10.625 0.0166016C16.4931 0.0166016 21.25 4.77348 21.25 10.6416C21.2544 13.148 20.3684 15.5746 18.75 17.4885L18.7369 17.5041L18.7263 17.5166H18.75ZM17.5356 16.5047C18.9283 14.869 19.6914 12.7899 19.6875 10.6416C19.6875 5.6366 15.63 1.5791 10.625 1.5791C5.62002 1.5791 1.56252 5.6366 1.56252 10.6416C1.55861 12.7899 2.32169 14.869 3.71439 16.5047L3.90689 16.7316L9.94252 23.1385C10.0302 23.2316 10.1359 23.3057 10.2533 23.3564C10.3707 23.4071 10.4972 23.4332 10.625 23.4332C10.7529 23.4332 10.8794 23.4071 10.9967 23.3564C11.1141 23.3057 11.2199 23.2316 11.3075 23.1385L17.3431 16.7316L17.5356 16.5047Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d7fc07 elementor-widget elementor-widget-heading\" data-id=\"0d7fc07\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/maps\/place\/Oegema,+Nicholson+%26+Associates+Insurance+Brokers+Ltd.\/@45.2586364,-75.3549748,794m\/data=!3m2!1e3!4b1!4m6!3m5!1s0x4ccdd8774a91a747:0x1e8cfc2562210465!8m2!3d45.2586364!4d-75.3549748!16s%2Fg%2F1tf5k86n?entry=ttu&#038;g_ep=EgoyMDI1MDUyNy4wIKXMDSoASAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">243 Castor St, Russell, ON K4R 1B8, Canada<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-918ef33 e-con-full e-flex e-con e-child\" data-id=\"918ef33\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10acb51 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"10acb51\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M13.4924 1.90347C13.5152 1.81795 13.5546 1.73776 13.6084 1.66748C13.6622 1.59721 13.7294 1.53824 13.806 1.49393C13.8826 1.44962 13.9672 1.42085 14.055 1.40927C14.1427 1.39768 14.2319 1.40351 14.3174 1.42641C15.9441 1.85074 17.4283 2.70107 18.617 3.88981C19.8058 5.07856 20.6561 6.56273 21.0804 8.18943C21.1033 8.27493 21.1092 8.3641 21.0976 8.45185C21.086 8.5396 21.0572 8.62421 21.0129 8.70083C20.9686 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14.8941 11.2496 15.7528C11.2794 15.7664 11.312 15.7728 11.3447 15.7717C11.3774 15.7705 11.4095 15.7617 11.4382 15.7461L14.2096 13.3888C14.2295 13.3717 14.2505 13.3559 14.2725 13.3417C14.49 13.1967 14.7402 13.1082 15.0005 13.0843C15.2608 13.0604 15.5229 13.1018 15.7632 13.2047L21.0658 15.581C21.3744 15.7178 21.6307 15.9502 21.7969 16.244C21.963 16.5377 22.0302 16.8771 21.9885 17.212V17.2087ZM20.6539 17.0425C20.6576 16.9956 20.6466 16.9487 20.6222 16.9084C20.5978 16.8681 20.5614 16.8365 20.5181 16.818L15.2143 14.4417C15.1853 14.4305 15.1543 14.4258 15.1233 14.4277C15.0923 14.4296 15.062 14.4382 15.0347 14.4529L12.2644 16.8102C12.2442 16.827 12.2228 16.8427 12.2015 16.8573C11.9755 17.008 11.7144 17.0976 11.4435 17.1172C11.1726 17.1369 10.9012 17.086 10.6558 16.9696C8.59494 15.9739 6.54078 13.9388 5.54513 11.897C5.42802 11.6531 5.37589 11.383 5.39379 11.113C5.41168 10.843 5.499 10.5822 5.64727 10.3558C5.66182 10.3334 5.67795 10.312 5.69554 10.2919L8.05839 7.47553C8.07189 7.44613 8.07889 7.41415 8.07889 7.3818C8.07889 7.34944 8.07189 7.31747 8.05839 7.28807L5.69554 2.00001C5.67994 1.95754 5.65187 1.92077 5.61502 1.89454C5.57816 1.8683 5.53424 1.8538 5.489 1.85296H5.46318C4.32154 2.00482 3.27421 2.56702 2.51675 3.43458C1.75929 4.30214 1.34349 5.41574 1.347 6.56743C1.347 14.6135 7.89338 21.1598 15.9394 21.1598C17.0913 21.1633 18.205 20.7474 19.0726 19.9897C19.9402 19.232 20.5023 18.1844 20.6539 17.0425Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Phone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d0cb59 elementor-widget elementor-widget-heading\" data-id=\"4d0cb59\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:+16134455221\">+1 613 445 5221<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c687d33 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"c687d33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Your Local Broker Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-787e81e e-con-full e-flex e-con e-child\" data-id=\"787e81e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffd9c55 elementor-widget elementor-widget-html\" data-id=\"ffd9c55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Google Maps\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d11233.854912005394!2d-75.354975!3d45.258636!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4ccdd8774a91a747%3A0x1e8cfc2562210465!2sOegema%2C%20Nicholson%20%26%20Associates%20Insurance%20Brokers%20Ltd.!5e0!3m2!1sen!2sus!4v1749561628191!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" referrerpolicy=\"no-referrer-when-downgrade\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div id=\"e-n-tab-content-807802355\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-807802355\" data-tab-index=\"5\" style=\"--n-tabs-title-order: 5;\" class=\" elementor-element elementor-element-da321eb e-con-full e-flex e-con e-child\" data-id=\"da321eb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-507ca2e e-flex e-con-boxed e-con e-child\" data-id=\"507ca2e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d2e07c e-con-full e-flex e-con e-child\" data-id=\"6d2e07c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b2b602 elementor-widget elementor-widget-heading\" data-id=\"2b2b602\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Insurance Brokers in Orleans<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f48ff76 e-con-full e-flex e-con e-child\" data-id=\"f48ff76\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32c647d elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"32c647d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"25\" viewBox=\"0 0 22 25\" fill=\"none\"><path d=\"M10.6281 7.2041C9.63358 7.2041 8.67975 7.59919 7.97649 8.30245C7.27323 9.00571 6.87814 9.95954 6.87814 10.9541C6.87814 11.9487 7.27323 12.9025 7.97649 13.6058C8.67975 14.309 9.63358 14.7041 10.6281 14.7041C11.6227 14.7041 12.5765 14.309 13.2798 13.6058C13.9831 12.9025 14.3781 11.9487 14.3781 10.9541C14.3781 9.95954 13.9831 9.00571 13.2798 8.30245C12.5765 7.59919 11.6227 7.2041 10.6281 7.2041ZM8.44064 10.9541C8.44064 10.3739 8.67111 9.81754 9.08135 9.4073C9.49158 8.99707 10.048 8.7666 10.6281 8.7666C11.2083 8.7666 11.7647 8.99707 12.1749 9.4073C12.5852 9.81754 12.8156 10.3739 12.8156 10.9541C12.8156 11.5343 12.5852 12.0907 12.1749 12.5009C11.7647 12.9111 11.2083 13.1416 10.6281 13.1416C10.048 13.1416 9.49158 12.9111 9.08135 12.5009C8.67111 12.0907 8.44064 11.5343 8.44064 10.9541ZM18.75 17.5166L12.445 24.2104C12.2113 24.4585 11.9293 24.6563 11.6163 24.7915C11.3033 24.9267 10.9659 24.9964 10.625 24.9964C10.2841 24.9964 9.94676 24.9267 9.63377 24.7915C9.32078 24.6563 9.03875 24.4585 8.80502 24.2104L2.50002 17.5166H2.52377L2.51314 17.5041L2.50002 17.4885C0.881606 15.5746 -0.00439342 13.148 1.63823e-05 10.6416C1.63823e-05 4.77348 4.75689 0.0166016 10.625 0.0166016C16.4931 0.0166016 21.25 4.77348 21.25 10.6416C21.2544 13.148 20.3684 15.5746 18.75 17.4885L18.7369 17.5041L18.7263 17.5166H18.75ZM17.5356 16.5047C18.9283 14.869 19.6914 12.7899 19.6875 10.6416C19.6875 5.6366 15.63 1.5791 10.625 1.5791C5.62002 1.5791 1.56252 5.6366 1.56252 10.6416C1.55861 12.7899 2.32169 14.869 3.71439 16.5047L3.90689 16.7316L9.94252 23.1385C10.0302 23.2316 10.1359 23.3057 10.2533 23.3564C10.3707 23.4071 10.4972 23.4332 10.625 23.4332C10.7529 23.4332 10.8794 23.4071 10.9967 23.3564C11.1141 23.3057 11.2199 23.2316 11.3075 23.1385L17.3431 16.7316L17.5356 16.5047Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Address<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8b0327 elementor-widget elementor-widget-heading\" data-id=\"f8b0327\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.google.com\/maps\/place\/Oegema,+Nicholson+%26+Associates+Insurance+Brokers+Ltd.\/@45.4891092,-75.4786366,790m\/data=!3m2!1e3!4b1!4m6!3m5!1s0x4cce11c71193db2d:0xe6f4a979b128154b!8m2!3d45.4891092!4d-75.4786366!16s%2Fg%2F1hc2tbzf2?entry=ttu&#038;g_ep=EgoyMDI1MDUyNy4wIKXMDSoASAFQAw%3D%3D\" target=\"_blank\" rel=\"noopener\">3809 St Joseph Blvd #3, Orl\u00e9ans, ON K4A 0Z8, Canada<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b5ffa0f e-con-full e-flex e-con e-child\" data-id=\"b5ffa0f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9588d3b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"9588d3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"22\" height=\"23\" viewBox=\"0 0 22 23\" fill=\"none\"><path d=\"M13.4924 1.90347C13.5152 1.81795 13.5546 1.73776 13.6084 1.66748C13.6622 1.59721 13.7294 1.53824 13.806 1.49393C13.8826 1.44962 13.9672 1.42085 14.055 1.40927C14.1427 1.39768 14.2319 1.40351 14.3174 1.42641C15.9441 1.85074 17.4283 2.70107 18.617 3.88981C19.8058 5.07856 20.6561 6.56273 21.0804 8.18943C21.1033 8.27493 21.1092 8.3641 21.0976 8.45185C21.086 8.5396 21.0572 8.62421 21.0129 8.70083C20.9686 8.77746 20.9096 8.84459 20.8394 8.89841C20.7691 8.95223 20.6889 8.99166 20.6034 9.01446C20.5466 9.0295 20.4881 9.03705 20.4294 9.03691C20.281 9.037 20.1367 8.98809 20.019 8.89776C19.9013 8.80743 19.8167 8.68076 19.7783 8.5374C19.414 7.14011 18.6837 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15.7632 13.2047L21.0658 15.581C21.3744 15.7178 21.6307 15.9502 21.7969 16.244C21.963 16.5377 22.0302 16.8771 21.9885 17.212V17.2087ZM20.6539 17.0425C20.6576 16.9956 20.6466 16.9487 20.6222 16.9084C20.5978 16.8681 20.5614 16.8365 20.5181 16.818L15.2143 14.4417C15.1853 14.4305 15.1543 14.4258 15.1233 14.4277C15.0923 14.4296 15.062 14.4382 15.0347 14.4529L12.2644 16.8102C12.2442 16.827 12.2228 16.8427 12.2015 16.8573C11.9755 17.008 11.7144 17.0976 11.4435 17.1172C11.1726 17.1369 10.9012 17.086 10.6558 16.9696C8.59494 15.9739 6.54078 13.9388 5.54513 11.897C5.42802 11.6531 5.37589 11.383 5.39379 11.113C5.41168 10.843 5.499 10.5822 5.64727 10.3558C5.66182 10.3334 5.67795 10.312 5.69554 10.2919L8.05839 7.47553C8.07189 7.44613 8.07889 7.41415 8.07889 7.3818C8.07889 7.34944 8.07189 7.31747 8.05839 7.28807L5.69554 2.00001C5.67994 1.95754 5.65187 1.92077 5.61502 1.89454C5.57816 1.8683 5.53424 1.8538 5.489 1.85296H5.46318C4.32154 2.00482 3.27421 2.56702 2.51675 3.43458C1.75929 4.30214 1.34349 5.41574 1.347 6.56743C1.347 14.6135 7.89338 21.1598 15.9394 21.1598C17.0913 21.1633 18.205 20.7474 19.0726 19.9897C19.9402 19.232 20.5023 18.1844 20.6539 17.0425Z\" fill=\"#0A3B84\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Phone<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ebfad elementor-widget elementor-widget-heading\" data-id=\"48ebfad\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"tel:+16135907373\">+1 613 590 7373<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e865b66 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"e865b66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#footerForm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Contact Your Local Broker Today!<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-756ef3a e-con-full e-flex e-con e-child\" data-id=\"756ef3a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-91c25c1 elementor-widget elementor-widget-html\" data-id=\"91c25c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe title=\"Google Maps\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m14!1m8!1m3!1d11188.166008479975!2d-75.478637!3d45.489109!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x4cce11c71193db2d%3A0xe6f4a979b128154b!2sOegema%2C%20Nicholson%20%26%20Associates%20Insurance%20Brokers%20Ltd.!5e0!3m2!1sen!2sus!4v1749561653786!5m2!1sen!2sus\" width=\"600\" height=\"450\" style=\"border:0;\" allowfullscreen=\"\" loading=\"lazy\" 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class=\"elementor elementor-1143\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2484dafe e-flex e-con-boxed e-con e-parent\" data-id=\"2484dafe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6ef728f2 e-con-full e-flex e-con e-child\" data-id=\"6ef728f2\" data-element_type=\"container\" data-e-type=\"container\" id=\"footerForm\">\n\t\t<div class=\"elementor-element elementor-element-78beacca e-con-full e-flex e-con e-child\" data-id=\"78beacca\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4cbe1d08 elementor-widget elementor-widget-heading\" data-id=\"4cbe1d08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Contact Us<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-293ef982 elementor-widget elementor-widget-heading\" data-id=\"293ef982\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Let\u2019s Talk Insurance <br>\n<span>Get in Touch For a Free Consultation<\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33da99ef e-con-full e-flex e-con e-child\" data-id=\"33da99ef\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-79565834 elementor-button-align-center elementor-widget__width-initial contact-form elementor-widget elementor-widget-form\" data-id=\"79565834\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;step_next_label&quot;:&quot;Next&quot;,&quot;step_previous_label&quot;:&quot;Previous&quot;,&quot;button_width&quot;:&quot;100&quot;,&quot;step_type&quot;:&quot;number_text&quot;,&quot;step_icon_shape&quot;:&quot;circle&quot;}\" data-widget_type=\"form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<form class=\"elementor-form\" method=\"post\" name=\"New Form\" aria-label=\"New Form\">\n\t\t\t<input type=\"hidden\" name=\"post_id\" value=\"1143\"\/>\n\t\t\t<input type=\"hidden\" name=\"form_id\" value=\"79565834\"\/>\n\t\t\t<input type=\"hidden\" name=\"referer_title\" value=\"Condo Insurance Tips for Ottawa Homeowners | Oegema, Nicholson\" \/>\n\n\t\t\t\t\t\t\t<input type=\"hidden\" name=\"queried_id\" value=\"8587\"\/>\n\t\t\t\n\t\t\t<div class=\"elementor-form-fields-wrapper elementor-labels-above\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-text elementor-field-group elementor-column elementor-field-group-name elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-name\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tName*\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"text\" name=\"form_fields[name]\" id=\"form-field-name\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Enter Your Name\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-email elementor-field-group elementor-column elementor-field-group-email elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-email\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tEmail*\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"email\" name=\"form_fields[email]\" id=\"form-field-email\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Enter Your Email\" required=\"required\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-tel elementor-field-group elementor-column elementor-field-group-phone elementor-col-100 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-phone\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPhone*\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<input size=\"1\" type=\"tel\" name=\"form_fields[phone]\" id=\"form-field-phone\" class=\"elementor-field elementor-size-sm  elementor-field-textual\" placeholder=\"Enter Your Phone Number\" required=\"required\" pattern=\"[0-9()#&amp;+*-=.]+\" title=\"Only numbers and phone characters (#, -, *, etc) are accepted.\">\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-method_of_contact elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-method_of_contact\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tPreferred Method of Contact?*\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-caret-down\" viewBox=\"0 0 571.4 571.4\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M571 393Q571 407 561 418L311 668Q300 679 286 679T261 668L11 418Q0 407 0 393T11 368 36 357H536Q550 357 561 368T571 393Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[method_of_contact]\" id=\"form-field-method_of_contact\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\"Select Method of Contact\">Select Method of Contact<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Phone\">Phone<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Email\">Email<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-select elementor-field-group elementor-column elementor-field-group-insurance_type elementor-col-50 elementor-field-required\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-insurance_type\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tInsurance Type*\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field elementor-select-wrapper remove-before \">\n\t\t\t<div class=\"select-caret-down-wrapper\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-eicon-caret-down\" viewBox=\"0 0 571.4 571.4\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M571 393Q571 407 561 418L311 668Q300 679 286 679T261 668L11 418Q0 407 0 393T11 368 36 357H536Q550 357 561 368T571 393Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t\t<select name=\"form_fields[insurance_type]\" id=\"form-field-insurance_type\" class=\"elementor-field-textual elementor-size-sm\" required=\"required\">\n\t\t\t\t\t\t\t\t\t<option value=\"\">Select Insurance Type <\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Home Insurance\">Home Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Auto Insurance\">Auto Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Tenants\/Renters Insurance\">Tenants\/Renters Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Business Insurance\">Business Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Commercial Auto Insurance\">Commercial Auto Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Recreational Vehicle Insurance\">Recreational Vehicle Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Professional Liability Insurance\">Professional Liability Insurance<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"Other\">Other<\/option>\n\t\t\t\t\t\t\t<\/select>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-textarea elementor-field-group elementor-column elementor-field-group-message elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t<label for=\"form-field-message\" class=\"elementor-field-label\">\n\t\t\t\t\t\t\t\tQuestions\/Comments\t\t\t\t\t\t\t<\/label>\n\t\t\t\t\t\t<textarea class=\"elementor-field-textual elementor-field  elementor-size-sm\" name=\"form_fields[message]\" id=\"form-field-message\" rows=\"3\" placeholder=\"Enter Questions\/Comments\"><\/textarea>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-utm_source elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[utm_source]\" id=\"form-field-utm_source\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-utm_medium elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[utm_medium]\" id=\"form-field-utm_medium\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-utm_campaign elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[utm_campaign]\" id=\"form-field-utm_campaign\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-utm_term elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[utm_term]\" id=\"form-field-utm_term\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-hidden elementor-field-group elementor-column elementor-field-group-utm_content elementor-col-100\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<input size=\"1\" type=\"hidden\" name=\"form_fields[utm_content]\" id=\"form-field-utm_content\" class=\"elementor-field elementor-size-sm  elementor-field-textual\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-type-recaptcha_v3 elementor-field-group elementor-column elementor-field-group-field_5ab78ae elementor-col-100 recaptcha_v3-bottomright\">\n\t\t\t\t\t<div class=\"elementor-field\" id=\"form-field-field_5ab78ae\"><div class=\"elementor-g-recaptcha\" data-sitekey=\"6LeZWLcrAAAAAFV_99iR11XefwDrz_VKLKTWBqul\" data-type=\"v3\" data-action=\"Form\" data-badge=\"bottomright\" data-size=\"invisible\"><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"elementor-field-group elementor-column elementor-field-type-submit elementor-col-100 e-form__buttons\">\n\t\t\t\t\t<button class=\"elementor-button elementor-size-sm\" type=\"submit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17\" height=\"17\" viewBox=\"0 0 17 17\" fill=\"none\"><path d=\"M1.0407 16.207L15.6546 1.59302M15.6546 1.59302L1.85259 1.59302M15.6546 1.59302L15.6546 15.3951\" stroke=\"white\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/svg>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Send Message<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/form>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Professional Liability Insurance in Ottawa Ottawa has evolved. We are no longer just a lumber and industrial town; we are a global hub of thinkers, designers, and innovators. From the tech parks of Kanata North to the federal offices downtown, the primary asset for most Ottawa businesses is no longer physical inventory, it is intellectual [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-16608","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/comments?post=16608"}],"version-history":[{"count":172,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16608\/revisions"}],"predecessor-version":[{"id":17028,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16608\/revisions\/17028"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=16608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}