About Us

Our #1 priority is you – our customer. We are a family run business which works hard to put you first and make sure you have the insurance coverage you need at the best possible price.

We are available anytime to assist with claims, emergencies, as well as answering your questions or resolving concerns regarding proper coverages.

Our History

H. MacDonald Insurance Broker Ltd. began operations in 1977 at the home of Helene and D.B. “Sam” MacDonald in Nepean. Sam was working full time for London Life and his life clients encouraged him to sell General Insurance- to compliment his Life Insurance services. Helene left her job at Bank of Montreal to be Principal Broker of the new family owned and operated brokerage and in 2000 Robyn MacDonald-Kuzell completed her RIBO exams which enabled her to continue operating the family business

With hard work and dedication, H. MacDonald Insurance has earned a reputation of excellence in service. We offer a broad range of products with competitive prices. We have stood the test of time and have offered to our clients- a type of service that goes far beyond the standard in the industry. We have continually grown by referral and also by actively participating in many worthwhile community ventures.

We pride ourselves in putting the needs of our customers first. Our office remains in our home so that we can provide 24 hour service, 7 days a week for emergency situations. We come to your home/business and meet with you in person to discuss insurance proposals. We play an active role in your claims processing to ensure total satisfaction. We are always ready to assist you in any type of situation where we can offer our expertise and knowledge for your benefit.

Our Services


Insuring your home for full replacement cost is one of the pillars of any policy when it comes to property insurance.

We schedule a personal visit so we can avoid any errors with regard to square footage or features of the home and can explain clearly what is covered and what is excluded.

Newest feature with Intact is “Lifestyle Advantage”: In the event of a severe loss where the building or contents are totally destroyed – you have a choice of taking a cash settlement instead of rebuilding or replacing all of the contents.

Many additional discounts available:

  • non smoker
  • mortgage free
  • my home and auto
  • alarm
  • claims free
  • stability
  • tankless water heater
  • sump pump
  • septic system discounts

We look forward to working with you so you can obtain the best coverage at the lowest cost.


We strive to secure the lowest premiums by working with companies such as INTACT – which offer you substantial discounts:

  • Telematics (launched in 2015) 10 – 25% off your full annual premium. This device monitors hard braking, rapid acceleration and time of day the vehicle is on the road
  • Winter tires: 3% off the entire premium (with the exception of comprehensive)
  • We offer a classic automobile program for vehicles which have been professionally appraised
  • We can insure motorcycles, snowmobiles, ATVs, travel trailers
  • Non-standard auto risks for drivers who exceed more convictions or at-fault claims than the regular market will allow
  • Commercial vehicle insurance that offers the telematics program, accident forgiveness and many other discounts to keep premiums extremely low!
  • Other discounts: claims free, conviction free, my home and auto, multi vehicle, individualized risk underwriting that continues to lower your premiums each year if you remain accident free – rewarding drivers for their driving experience after they have reached the highest driving record (which is a 9)


We work to ensure proper commercial insurance for many different business risks:

  • Contractors, Construction or Trade businesses
  • Retail Stores with Inventory
  • Health and Wellness Facilities
  • Small Businesses with Home Offices
  • Professional Offices

For All Types of General Insurance