FSRA Licensed Co-operators Ontario Since 2024

Lisha Liang

Your Ontario insurance advisor — auto, home, business, and life.

Hi, I'm Lisha — a licensed Co-operators insurance advisor serving all of Ontario. I'll help you find the right coverage and explain it simply, in English, Mandarin, or Cantonese.

Get a free quote See services
$847/yr
Avg. client savings
200+
Ontario households protected
98%
Renewal rate
Portrait of Lisha Liang
Licensed Advisor · Trilingual
Accepting new clients
Free consultation · No obligation
$847/yr
Average savings per client
200+
Families & businesses
3
Languages · 英 / 中 / 粤
24h
Reply within one business day
Lisha Liang
"A policy is only as good as the conversation that built it."
— Lisha, on her practice
Transparency Empathy Expertise
About Lisha

About me.

I'm a licensed Co-operators advisor serving every corner of Ontario — Toronto, the GTA, Ottawa, Waterloo, Windsor, and every small town in between. My work starts with listening: to a family's routines, a business's real risks, a newcomer's quiet worries. Only then does it become insurance.

Co-operators has been Canadian-owned and co-operatively run since 1945. That heritage shapes how I advise: patient, transparent, and never pressured. When claims happen — and one day they will — you'll know your advisor's name, not a call-centre extension.

Because insurance is personal, I work with clients in the language they think in — English, Mandarin, or Cantonese. Clarity in your mother tongue isn't a nicety. It's the whole point.

— Lisha Liang · 梁丽莎
What I cover

Coverage.

Every policy underwritten by Co-operators — Canada's co-operative insurer since 1945. Coordinated by one person who knows your story.

№ 01

Auto Insurance

Comprehensive, collision, and liability coverage built around how you actually drive. Ontario-specific rate advantages, safe-driver rewards, and multi-car bundles.

  • Accident forgiveness
  • New-driver programs
  • Multi-vehicle discounts
№ 02

Home & Tenant

Homeowners, tenants, and condo policies engineered for Ontario weather, valuations, and lifestyles. Overland flood, sewer backup, and guaranteed replacement cost.

  • Replacement-cost coverage
  • Flood & sewer protection
  • Auto + home bundle savings
№ 03

Business & Commercial

Liability, property, and fleet coverage for small businesses, landlords, and professional practices. Including Co-operators' unique Community Guard® for nonprofits.

  • Commercial property & liability
  • Fleet & professional coverage
  • Community Guard® · nonprofits
№ 04

Life & Health

Term and permanent life, critical illness, and disability planning — structured around your dependents, your mortgage, and your long-term intentions.

  • Term & permanent life
  • Critical illness & disability
  • Mortgage-linked coverage
Why Co-operators

Why Co-operators.

Co-operators is one of the few Canadian insurers still structured as a co-operative. That's not a marketing line — it changes how decisions are made, how claims are paid, and how premiums are set.

  • i.

    Canadian-owned since 1945

    Headquartered in Guelph, Ontario. Never sold, never outsourced to a foreign owner. Your premiums stay in Canada.

  • ii.

    Community Guard®

    A coverage line built specifically for community organizations, non-profits, and co-operatives. Unique to Co-operators — no other Canadian insurer offers it.

  • iii.

    Values over shareholders

    Co-operative governance means long-term client outcomes outweigh quarterly returns. Decisions are made with clients, not around them.

  • iv.

    Certified B Corp

    Sustainability and social responsibility written into the governance structure, with measurable commitments to climate and community resilience.

Client voices

What clients say.

The 15-min audit

Let's talk.

Tell me what you're looking to protect. I'll review it personally and reply within one business day — in the language of your choice. No pressure, no obligation.