Terms & Conditions (Front Row Insurance)

Acceptance of Conditions

By accessing and browsing this Website, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. Front Row Insurance Brokers may at any time revise these Terms and Conditions by updating this posting. Users agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions.

Information Accuracy

Although the contents of this Website are deemed reliable when posted, Front Row Insurance Brokers cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice.

All premiums and terms mentioned anywhere on this website are subject to change without notice.

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your broker for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.


The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.

Product Availability

The products and services referred to on this Website may not be available in all geographic regions. All products and services provided by the participating Insurance Companies on the Front Row Insurance Brokers website are subject to the terms, conditions and limitations of each Insurance Company.

Copyright & Trademarks

All contents of this Website are the copyright of Front Row Insurance Brokers and are protected under the copyright laws of Canada. All rights reserved. In addition, certain information on this Website may be copyrighted by others. The information on this Website may not be reproduced, or distributed for any other purpose in whole or in part without the prior written consent of Front Row Insurance Brokers. Any infringement of Front Row Insurance Brokers's rights will result in appropriate legal action.

The following trademark is registered in the Canada.

      Front Row Insurance Brokers  ®

 Hypertext Links

This Website facilitates other Worldwide Web sites via hypertext links. These hypertext links are entirely independent of Front Row Insurance Brokers and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this Website. 

Front Row Insurance Brokers does not frequently review linked Websites. The right to reproduce and use the content linked from Front Row Insurance Brokers to other Websites is (1) subject to the conditions that the respective owners may impose, and (2) is at your own risk. 

In general, you may reproduce these pages for the purpose of browsing them, or providing hypertext links to them, provided you do not retain these pages in any form of fixed, non-volatile storage after your session of browsing. These permissions may be withdrawn at anytime without notice.


Any communication transmitted to us by electronic means becomes the property of Front Row Insurance Brokers or its affiliates and may be used for any purpose. Front Row Insurance Brokers  is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.


Front Row Insurance Brokers, its shareholders, affiliated companies, its officers, directors, employees or any persons associated with the creation of this Website, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this Website including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused. 

By accessing and browsing this Website, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with Front Row Insurance Brokers regarding this site, and to settle such dispute in the courts of Ontario.

Our Legal Statement

The insurance quotes being provided by this system are based on the information you, the user, provide and the underwriting criteria of our participating companies. All quotes are subject to verification by our insurance suppliers. Please ensure that all information provided is accurate in order to avoid delay or denial of coverage. 

In the event that there are any discrepancies between the quotes being provided by this system and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern. 

If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Front Row Insurance Brokers  Website reserve the right to refuse to issue an insurance contract based on this fact. 

The benefits and services provided through this quoting system are subject to the terms, conditions and limitations of the applicable agreement(s) governing them.