{"id":16660,"date":"2026-01-09T13:04:53","date_gmt":"2026-01-09T13:04:53","guid":{"rendered":"https:\/\/www.ona.ca\/?page_id=16660"},"modified":"2026-01-13T14:17:01","modified_gmt":"2026-01-13T14:17:01","slug":"commercial-general-liability-insurance-ottawa","status":"publish","type":"page","link":"https:\/\/www.ona.ca\/commercial-general-liability-insurance-ottawa\/","title":{"rendered":"Commercial General Liability Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"16660\" class=\"elementor elementor-16660\" 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\">Commercial General 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-4fd89fc elementor-widget elementor-widget-text-editor\" data-id=\"4fd89fc\" 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;\">Running a business in the Ottawa region comes with a unique set of risks. Whether you are a contractor renovating a home in the Glebe, a tech consultant in Kanata, or a shop owner in Manotick, you face the daily reality that a single accident could jeopardize everything you\u2019ve built.<\/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-e61194f elementor-align-left elementor-widget elementor-widget-button\" data-id=\"e61194f\" 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 Your General Liability Insurance 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>\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-2.webp\" class=\"attachment-full size-full wp-image-16711\" alt=\"Commercial General Liability Insurance Coverage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x-2.webp 872w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x-2-300x214.webp 300w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Banner1x-2-768x549.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-955c176 e-flex e-con-boxed e-con e-parent\" data-id=\"955c176\" 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-fec6793 elementor-widget elementor-widget-text-editor\" data-id=\"fec6793\" 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;\">At Oegema, Nicholson &amp; Associates,, we know that &#8220;risk&#8221; isn&#8217;t just an abstract concept, it\u2019s a slippery sidewalk in February or a misstep on a job site. Serving Ottawa and the Valley since 1961, we act as your neighbours and advocates, helping you navigate the complex world of liability with trusted advice and guidance.<\/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 Commercial General Liability (CGL) 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;\">Commercial General Liability (CGL) insurance is a foundational policy that protects your business from financial loss if you are sued for causing third-party bodily injury, property damage, or personal injury.<\/span><\/p><p>\u00a0<\/p><p><span style=\"font-weight: 400;\">Think of commercial general liability insurance as your business&#8217;s shield. If you are legally liable for damages, like a customer slipping in your store or a tool falling on a client&#8217;s car, this policy covers the compensatory damages you owe. Perhaps more importantly, it covers the legal defense costs, providing you with experienced counsel to fight the lawsuit so you can keep running your business.<\/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-Commercial-General-Liability-CGL-Insurance_1x.webp\" class=\"attachment-full size-full wp-image-16712\" alt=\"CGL Insurance Is A Foundational Policy \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Commercial-General-Liability-CGL-Insurance_1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Commercial-General-Liability-CGL-Insurance_1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Commercial-General-Liability-CGL-Insurance_1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/What-Is-Commercial-General-Liability-CGL-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-_Occurrence_-Basis_-Long-Term-Protection1x.webp\" class=\"attachment-full size-full wp-image-16713\" alt=\"Occurrence Basis Liability Coverage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Occurrence_-Basis_-Long-Term-Protection1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Occurrence_-Basis_-Long-Term-Protection1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Occurrence_-Basis_-Long-Term-Protection1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Occurrence_-Basis_-Long-Term-Protection1x-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<h3 class=\"elementor-heading-title elementor-size-default\">The \"Occurrence\" Basis: Long-Term Protection<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c316da8 elementor-widget elementor-widget-text-editor\" data-id=\"c316da8\" 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;\">Most commercial general liability policies we write are on an &#8220;occurrence&#8221; basis. This means the policy protects you based on when the injury happened, not when the claim was filed.<\/span>\n<ul class=\"unordered-list\">\n \t<li><b>Why this matters:<\/b><span style=\"font-weight: 400;\"> If you build a deck in 2024, but it collapses and injures someone in 2026, your 2024 policy will respond. This is vital for tradespeople, ensuring you are protected years after a job is finished.<\/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>\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\">What Does Commercial General Liability Actually Cover? (The ABCs of Liability)<\/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><span style=\"font-weight: 400;\">A standard policy is typically split into four key coverage areas. Understanding these helps you see exactly where you are protected.<\/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-b17daf7 e-con-full e-flex e-con e-child\" data-id=\"b17daf7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2fedbe3 e-con-full e-flex e-con e-child\" data-id=\"2fedbe3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cf146d8 elementor-widget elementor-widget-image\" data-id=\"cf146d8\" 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\/Coverage-A_-Bodily-Injury-Property-Damage1x.webp\" class=\"attachment-full size-full wp-image-16714\" alt=\"Bodily Injury &amp; Property Damage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-A_-Bodily-Injury-Property-Damage1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-A_-Bodily-Injury-Property-Damage1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-A_-Bodily-Injury-Property-Damage1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-A_-Bodily-Injury-Property-Damage1x-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-8e22aad e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"8e22aad\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-58620ba elementor-widget elementor-widget-heading\" data-id=\"58620ba\" 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\">Coverage A: Bodily Injury &amp; Property Damage<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91845e8 elementor-widget elementor-widget-text-editor\" data-id=\"91845e8\" 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;\">This is the most frequently used section. It covers physical injuries to people (other than your employees) and damage to property that isn&#8217;t yours. We ensure your limits are high enough to handle modern settlement costs.<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bodily Injury:<\/b><span style=\"font-weight: 400;\"> A customer slips on an icy patch outside your Orleans bakery.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property Damage:<\/b><span style=\"font-weight: 400;\"> Your painting crew accidentally spills solvent on a client&#8217;s hardwood floor.<\/span><\/li><li aria-level=\"1\"><b>Loss of Use:<\/b><span style=\"font-weight: 400;\"> If you accidentally cut a cable that knocks out a business&#8217;s internet, you could be liable for their lost revenue, not just the cable repair.<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc239f9 e-con-full e-flex e-con e-child\" data-id=\"fc239f9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e60ef51 e-con-full e-flex e-con e-child\" data-id=\"e60ef51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a24da97 elementor-widget elementor-widget-image\" data-id=\"a24da97\" 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\/Coverage-B_-Personal-Advertising-Injury1x.webp\" class=\"attachment-full size-full wp-image-16715\" alt=\"Personal &amp; Advertising Injury \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-B_-Personal-Advertising-Injury1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-B_-Personal-Advertising-Injury1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-B_-Personal-Advertising-Injury1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-B_-Personal-Advertising-Injury1x-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-6dc1405 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"6dc1405\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d5ca9a elementor-widget elementor-widget-heading\" data-id=\"1d5ca9a\" 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\">Coverage B: Personal &amp; Advertising Injury<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-62ddf22 elementor-widget elementor-widget-text-editor\" data-id=\"62ddf22\" 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;\">Liability isn&#8217;t just physical. If your marketing or communication inadvertently harms someone&#8217;s reputation, this coverage kicks in.<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Libel\/Slander:<\/b><span style=\"font-weight: 400;\"> Accidental defamation in a social media post.<\/span><\/li><li aria-level=\"1\"><b>Wrongful Eviction:<\/b><span style=\"font-weight: 400;\"> A landlord dispute in a rental unit.<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-05a89ea e-con-full e-flex e-con e-child\" data-id=\"05a89ea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bf5883a e-con-full e-flex e-con e-child\" data-id=\"bf5883a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f714649 elementor-widget elementor-widget-image\" data-id=\"f714649\" 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\/Coverage-C_-Medical-Payments-Goodwill-Coverage1x.webp\" class=\"attachment-full size-full wp-image-16716\" alt=\"Medical Payments Coverage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-C_-Medical-Payments-Goodwill-Coverage1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-C_-Medical-Payments-Goodwill-Coverage1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-C_-Medical-Payments-Goodwill-Coverage1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-C_-Medical-Payments-Goodwill-Coverage1x-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-834ed39 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"834ed39\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe24e31 elementor-widget elementor-widget-heading\" data-id=\"fe24e31\" 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\">Coverage C: Medical Payments (Goodwill Coverage)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-164caed elementor-widget elementor-widget-text-editor\" data-id=\"164caed\" 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;\">This is a &#8220;goodwill&#8221; coverage designed to prevent lawsuits. It pays for immediate medical expenses (like ambulance or first aid) for someone injured on your premises, <\/span><b>regardless of fault<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><ul class=\"unordered-list\"><li><b>Real Advice Strategy:<\/b><span style=\"font-weight: 400;\"> Paying for a customer&#8217;s stitches immediately can often prevent a larger negligence lawsuit down the road.<\/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<\/div>\n\t\t<div class=\"elementor-element elementor-element-0664f03 e-con-full e-flex e-con e-child\" data-id=\"0664f03\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-764ad5d e-con-full e-flex e-con e-child\" data-id=\"764ad5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f52b370 elementor-widget elementor-widget-image\" data-id=\"f52b370\" 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\/Coverage-D_-Tenants-Legal-Liability1x.webp\" class=\"attachment-full size-full wp-image-16717\" alt=\"Tenants Legal Liability Coverage \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-D_-Tenants-Legal-Liability1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-D_-Tenants-Legal-Liability1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-D_-Tenants-Legal-Liability1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Coverage-D_-Tenants-Legal-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-4d0c059 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"4d0c059\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c7b078 elementor-widget elementor-widget-heading\" data-id=\"7c7b078\" 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\">Coverage D: Tenants\u2019 Legal Liability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e73599a elementor-widget elementor-widget-text-editor\" data-id=\"e73599a\" 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;\">Standard policies exclude damage to property you rent (because you don&#8217;t own it). Coverage D fills this gap, covering damages to your rented commercial space (e.g., a fire you accidentally start in your leased office).<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\"><br \/><\/span><i><span style=\"font-weight: 400;\">Many standard policies exclude specific high-risk activities. At ONA, we review your operations line-by-line to ensure no &#8220;fine print&#8221; leaves you exposed. Unsure if you have the right coverage?<\/span><\/i><\/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-258e549 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"258e549\" 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\">Talk to an Expert 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\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 readMoreDiv 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\">Critical Question: Does Commercial General Liability Cover My Own Business Property?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27e7260 elementor-widget elementor-widget-text-editor\" data-id=\"27e7260\" 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>No.<\/b><span style=\"font-weight: 400;\"> This is the most common misconception we see.<\/span><\/p><p><span style=\"font-weight: 400;\">Commercial General Liability protects you against claims from third parties. It does not cover damage to your own store shelves, inventory, or equipment.<\/span><\/p><p><span style=\"font-weight: 400;\">To protect your own assets (computers, stock, furniture), you need Commercial Property Insurance. Most <\/span><a href=\"https:\/\/www.ona.ca\/small-business-insurance\/\"><span style=\"font-weight: 400;\"><strong>small businesses<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> bundle CGL and Property coverage together in a package to ensure both sides of the coin are covered.<\/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-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\/Critical-Question_-Does-Commercial-General-Liability-Cover-My-Own-Business-Property_1x.webp\" class=\"attachment-full size-full wp-image-16718\" alt=\"Business Property Coverage Exclusions \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Critical-Question_-Does-Commercial-General-Liability-Cover-My-Own-Business-Property_1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Critical-Question_-Does-Commercial-General-Liability-Cover-My-Own-Business-Property_1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Critical-Question_-Does-Commercial-General-Liability-Cover-My-Own-Business-Property_1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/Critical-Question_-Does-Commercial-General-Liability-Cover-My-Own-Business-Property_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-d0392fe e-flex e-con-boxed e-con e-parent\" data-id=\"d0392fe\" 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-9d16d7f elementor-widget elementor-widget-heading\" data-id=\"9d16d7f\" 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 Ottawa Context: Winter, Bylaws, and \"The Red Tape\"<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43d80e1 readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"43d80e1\" 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;\">Insurance in Eastern Ontario is different because our environment and regulations are different. Here is what local business owners need to know.<\/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-e39a347 e-con-full e-flex e-con e-child\" data-id=\"e39a347\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-25b3210 e-con-full e-flex e-con e-child\" data-id=\"25b3210\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdb440f elementor-widget elementor-widget-image\" data-id=\"bdb440f\" 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-_Slip-and-Fall_-Reality-Bill-1181x.webp\" class=\"attachment-full size-full wp-image-16719\" alt=\"Slip &amp; Fall Liability Claims \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Slip-and-Fall_-Reality-Bill-1181x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Slip-and-Fall_-Reality-Bill-1181x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Slip-and-Fall_-Reality-Bill-1181x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/The-_Slip-and-Fall_-Reality-Bill-1181x-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-8c6dac2 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"8c6dac2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b3a32f elementor-widget elementor-widget-heading\" data-id=\"4b3a32f\" 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 \"Slip and Fall\" Reality &amp; Bill 118<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50d3252 elementor-widget elementor-widget-text-editor\" data-id=\"50d3252\" 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 Ottawa, winter conditions make slip-and-fall claims the most common liability risk. Recent changes to the <\/span><a href=\"https:\/\/www.ontario.ca\/laws\/statute\/s20033\" target=\"_blank\" rel=\"noopener\"><strong><i>Occupiers\u2019 Liability Act<\/i><\/strong><span style=\"font-weight: 400;\"><strong> (Bill 118)<\/strong><\/span><\/a><span style=\"font-weight: 400;\"> have changed the game.<\/span>\n<ul class=\"unordered-list\">\n \t<li style=\"font-weight: 400;\" aria-level=\"1\"><b>The 60-Day Rule:<\/b><span style=\"font-weight: 400;\"> A plaintiff now has only <\/span><b>60 days<\/b><span style=\"font-weight: 400;\"> to give written notice of a fall on private property (down from two years).<\/span><\/li>\n \t<li aria-level=\"1\"><b>Your Responsibility:<\/b><span style=\"font-weight: 400;\"> While this helps businesses defend themselves, you must keep impeccable records. If you receive a notice on day 59, you need your snow logs and camera footage from two months ago ready to go.<\/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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3b367b e-con-full e-flex e-con e-child\" data-id=\"c3b367b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-0fd1ff0 e-con-full e-flex e-con e-child\" data-id=\"0fd1ff0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3456f1f elementor-widget elementor-widget-image\" data-id=\"3456f1f\" 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\/City-of-Ottawa-Requirements1x.webp\" class=\"attachment-full size-full wp-image-16720\" alt=\"Liability Insurance Requirements \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/City-of-Ottawa-Requirements1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/City-of-Ottawa-Requirements1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/City-of-Ottawa-Requirements1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/City-of-Ottawa-Requirements1x-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-3f8ffc0 e-con-full readMoreDiv  e-flex e-con e-child\" data-id=\"3f8ffc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81dc511 elementor-widget elementor-widget-heading\" data-id=\"81dc511\" 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\">City of Ottawa Requirements<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a43cb6 elementor-widget elementor-widget-text-editor\" data-id=\"0a43cb6\" 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 need a business license, a sidewalk patio permit, or a contract with the City, you will likely need to provide a Certificate of Insurance.<\/span><\/p><ul class=\"unordered-list\"><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Standard Limit:<\/b><span style=\"font-weight: 400;\"> The City typically requires a minimum of <\/span><b>$2,000,000<\/b><span style=\"font-weight: 400;\"> per occurrence.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Additional Insured:<\/b><span style=\"font-weight: 400;\"> You must add &#8220;The City of Ottawa&#8221; to your policy, protecting them if your operations cause a claim against them.<\/span><\/li><li aria-level=\"1\"><b>Cross-Liability:<\/b><span style=\"font-weight: 400;\"> This clause is mandatory for municipal contracts, ensuring coverage applies separately to each insured party.<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3de52da e-flex e-con-boxed e-con e-parent\" data-id=\"3de52da\" 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-25db090 elementor-widget elementor-widget-text-editor\" data-id=\"25db090\" 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;\">Have questions about your coverage? Our team has over 60 years of experience serving the Ottawa region. We understand the complexities of creating a comprehensive coverage plan that accounts for these unique local risks.<\/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-ee3949d elementor-widget elementor-widget-button\" data-id=\"ee3949d\" 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\">Talk To An ONA 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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06d06e6 e-flex e-con-boxed e-con e-parent\" data-id=\"06d06e6\" 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-ac42654 elementor-widget elementor-widget-heading\" data-id=\"ac42654\" 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 NOT Covered? <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf247f7 readMoreContent elementor-widget elementor-widget-text-editor\" data-id=\"bf247f7\" 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;\">No insurance policy covers everything. A &#8220;General&#8221; policy has specific gaps you must be aware of to avoid a denied claim.<\/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-48bd6e3 eael-dt-th-align-center eael-table-align-center elementor-widget elementor-widget-eael-data-table\" data-id=\"48bd6e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"eael-data-table.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"eael-data-table-wrap\" data-table_id=\"48bd6e3\" id=\"eael-data-table-wrapper-48bd6e3\" data-custom_responsive=\"false\">\n\t\t\t<table class=\"tablesorter eael-data-table center\" id=\"eael-data-table-48bd6e3\">\n\t\t\t    <thead>\n\t\t\t        <tr class=\"table-header\">\n\t\t\t\t\t\t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Exclusion<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">What It Means<\/span><\/th>\n\t\t\t        \t\t\t\t            <th class=\"\" id=\"\" colspan=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"data-table-header-text\">Solution<\/span><\/th>\n\t\t\t        \t\t\t\t        <\/tr>\n\t\t\t    <\/thead>\n\t\t\t  \t<tbody>\n\t\t\t\t\t\t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tProfessional Services\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tClaims arising from professional advice or errors (e.g., a software bug or bad consulting advice) are NOT covered.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ona.ca\/professional-liability-insurance\/\">Professional Liability (E&amp;O) Insurance.<\/a>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAutomobile Liability\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAccidents involving vehicles owned by the business are excluded.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ona.ca\/auto-fleet-and-garage-insurance\/\">Commercial Auto Policy.<\/a>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tCyber Liability\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tData breaches, hacks, or ransomware attacks are generally excluded.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.ona.ca\/auto-fleet-and-garage-insurance\/\">Cyber Liability Insurance.<\/a>\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tYour Work\/Product\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span>CGL does not warranty your work. It pays for damage <i>caused<\/i> by your work, not replacing the defective work itself.<\/span> \t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t   \t\t\t\t\t\t\t\t\t\t\t<td colspan=\"\" rowspan=\"\" class=\"\" id=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"td-content-wrapper\"><div class=\"td-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tQuality control and warranties.\t\t\t\t\t\t\t\t\t\t\t\t<\/div><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t        \t\t\t    <\/tbody>\n\t\t\t<\/table>\n\t\t<\/div>\n\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-2734cf6 e-flex e-con-boxed e-con e-parent\" data-id=\"2734cf6\" 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-893745d elementor-widget elementor-widget-heading\" data-id=\"893745d\" 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\">Frequently Asked Questions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb2144c accordion-wrap elementor-widget elementor-widget-eael-adv-accordion\" data-id=\"cb2144c\" 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-cb2144c\" data-scroll-on-click=\"yes\" data-scroll-speed=\"300\" data-accordion-id=\"cb2144c\" 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-2121\"><span class=\"eael-accordion-tab-title\">Is Commercial General Liability insurance required by law in Ontario?<\/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-2121\" class=\"eael-accordion-content clearfix active-default\" data-tab=\"1\" aria-labelledby=\"autotab1\"><p><span style=\"font-weight: 400\">Technically, no. It is not a provincial statutory requirement like Auto Insurance or WSIB coverage. However, it is commercially mandatory. You likely cannot sign a commercial lease, secure a bank loan, or sign a client contract without it. Operating without CGL exposes you to bankruptcy from a single lawsuit.<\/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-2122\"><span class=\"eael-accordion-tab-title\">How much coverage do small businesses typically purchase?<\/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-2122\" class=\"eael-accordion-content clearfix\" data-tab=\"2\" aria-labelledby=\"autotab9\"><p><span style=\"font-weight: 400\">Most Ottawa small businesses carry $2,000,000 in liability coverage. This has become the standard &#8220;minimum&#8221; for most contracts and leases. However, if you work with the federal government, host large public events, or work in high-risk trades (like roofing or welding), you may need $5,000,000 or an umbrella liability policy to meet contractual requirements.<\/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-2123\"><span class=\"eael-accordion-tab-title\">How are premiums calculated?<\/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-2123\" class=\"eael-accordion-content clearfix\" data-tab=\"3\" aria-labelledby=\"autotab9\"><p><span style=\"font-weight: 400\">Your premium is generally determined by four factors:<\/span><\/p><ol><li style=\"font-weight: 400\"><b>Revenue:<\/b><span style=\"font-weight: 400\"> Higher revenue usually implies higher exposure.<\/span><\/li><li style=\"font-weight: 400\"><b>Industry:<\/b><span style=\"font-weight: 400\"> High-risk sectors (snow removal) pay more than low-risk (consultants).<\/span><\/li><li style=\"font-weight: 400\"><b>Location:<\/b><span style=\"font-weight: 400\"> Postal codes with higher claim frequencies can impact rates.<\/span><\/li><li><b>Claims History:<\/b><span style=\"font-weight: 400\"> Frequency of claims often hurts your rate more than one large loss.<\/span><\/li><\/ol><\/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\/We-Work-for-You-Not-the-Insurance-Company1x.webp\" class=\"attachment-full size-full wp-image-16721\" alt=\"Independent Insurance Broker \u2013 Oegema, Nicholson &amp; Associates\" srcset=\"https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/We-Work-for-You-Not-the-Insurance-Company1x.webp 1100w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/We-Work-for-You-Not-the-Insurance-Company1x-259x300.webp 259w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/We-Work-for-You-Not-the-Insurance-Company1x-886x1024.webp 886w, https:\/\/www.ona.ca\/wp-content\/uploads\/2026\/01\/We-Work-for-You-Not-the-Insurance-Company1x-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\">We Work for You, Not the Insurance Company<\/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;\">At Oegema, Nicholson &amp; Associates, we are an independent brokerage. That means we don&#8217;t work for a specific insurance giant, we work for you. We shop the market (including Intact, Aviva, Gore, and others) to find the coverage that fits your specific business needs at a competitive price.<\/span><\/p><p><span style=\"font-weight: 400;\">If the worst happens and you need to make a claim, you won&#8217;t be stuck talking to a stranger in a call center. You will have a dedicated local broker fighting for your interests.<\/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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a41890e e-flex e-con-boxed e-con e-parent\" data-id=\"a41890e\" 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-1df5cd7 elementor-widget elementor-widget-text-editor\" data-id=\"1df5cd7\" 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>Ready to protect your business with real advice?<\/b><\/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-aeea1b0 e-con-full e-flex e-con e-child\" data-id=\"aeea1b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dbdc91f elementor-align-left elementor-widget elementor-widget-button\" data-id=\"dbdc91f\" 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 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 class=\"elementor-element elementor-element-4057806 elementor-align-left elementor-widget elementor-widget-button\" data-id=\"4057806\" 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 Free Business 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>\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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data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7415cc4 e-con-full e-flex e-con e-child\" data-id=\"7415cc4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-65e2b6a elementor-widget elementor-widget-heading\" data-id=\"65e2b6a\" 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 Ottawa<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e45b27e e-con-full e-flex e-con e-child\" data-id=\"e45b27e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1276b92 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget 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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 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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-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 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-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 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-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 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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-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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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 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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>Commercial General Liability Insurance in Ottawa Running a business in the Ottawa region comes with a unique set of risks. Whether you are a contractor renovating a home in the Glebe, a tech consultant in Kanata, or a shop owner in Manotick, you face the daily reality that a single accident could jeopardize everything you\u2019ve [&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-16660","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16660","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=16660"}],"version-history":[{"count":103,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16660\/revisions"}],"predecessor-version":[{"id":17025,"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/pages\/16660\/revisions\/17025"}],"wp:attachment":[{"href":"https:\/\/www.ona.ca\/wp-json\/wp\/v2\/media?parent=16660"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}