About Ontario Luxury Insurance
A private-client brokerage built on judgment, not volume
We work with clients who need specialist coverage for high-value homes, exotic vehicles, and collections in Toronto, Muskoka & across Ontario. Engagements are discreet, analytical, and led by senior advisors.
Who We Are
Ontario Luxury Insurance is a boutique private-client brokerage, operating as a dedicated division of Oracle RMS. We focus exclusively on high-value personal risk.
We serve a select group of executives, families, and collectors across Ontario who require more than standard coverage can offer. Portfolios often span primary residences, seasonal properties, vehicles, and significant collections.
Every relationship is handled by experienced, independent advisors who are known personally to the clients they serve. We prioritize judgment, not volume.
How We Work
Risk-First
We begin with a measured assessment of your exposure — not a quote. Property values, liability, lifestyle, and concentration of risk are mapped carefully before any recommendations are made.
Understanding what you have to lose is the foundation of every structure we put in place.
Specialist Markets
We access specialist insurers and underwriters that are not typically available through generalist brokers. Placement is driven by wording, claims performance, and appetite for complex risk — not by volume targets.
Your coverage is positioned where it is most likely to respond when it matters.
Ongoing Attention
Your advisor remains closely involved as your life and holdings evolve — new acquisitions, renovations, travel, corporate changes, and succession planning.
We monitor your portfolio so that material changes are reflected in your coverage, and nothing important is left to chance.
What We Focus On
High-Value Homes
Primary residences, seasonal properties, and estates in Toronto, Muskoka, Collingwood, and throughout Ontario. We address construction quality, water exposure, secondary structures, and contents with care.
Exotic & Luxury Vehicles
Agreed-value protection for high-performance, exotic, classic, and collector vehicles. Usage, storage, and valuation are aligned so that expectations at claim time are clear.
Jewelry, Art & Collections
Scheduled coverage for fine jewelry, art, watches, wine, and significant personal collections. We consider security, transport, and international exposure for pieces that travel.
Speak with an Advisor
Private consultations are available by appointment. No obligation.
Call 416-671-2385