Insurance is all about "risk sharing". Since the earliest of times, humanity has demonstrated a willingness to pool their resources to help others in times of need. Insurance is the formalization of the basic principle of risk sharing into an organized fashion. Historical documents suggest that as early as 5000 BCE, Chinese boat operators found it necessary to redistribute their cargoes to several boats as they approached treacherous rapids on the rivers. If one boat was lost, all of the boat owners shared the loss and no one was completely wiped out. As overseas shipments increased between nations, merchants found it impractical to deal with exposures in such an informal way. As a result, the insurance industry was born. With globalization and modern technology working its way into every industry on the globe, we aim to standardize the online insurance & surety market in Canada by utilizing a digital interface.