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Central Ontario


ELM Insurance Brokers specializes in Contract Surety (Construction Bonds) and have been for over 25 years. We’ve provided Canadian construction businesses with fast, reliable surety services and giving organizations the resources it needs to operate efficiently. The advisors at ELM assist and guide the contractor through the surety process, they assist in managing the contractor’s Bonding CAPACITY and create an exclusive Surety Facility with specific requirements.


Lou Civichino, President
Matthew Civichino, Vice President, Contract Surety & Commercial Insurance
Gus Bobotsis, Senior Account Executive Commercial Insurance & Surety


TARION Bonds and Excess Condominium Deposit Insurance (ECDI), Contract Surety: Bid Bonds, Agreement to Bonds, Performance Bonds and Labour & Material Bonds, Builder’s Risk Insurance, Wrap-Up Liability Insurance, Pollution Insurance, Directors and Officers Insurance, Professional Liability/E&O Insurance, Commercial Property and Liability, Commercial Auto Fleets, Personal Home & Auto Insurance.

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