Umbrella Coverage

Umbrella coverage: how does it work, and do you need it?

If you’ve ever heard the term “umbrella coverage,” your first thought might have been weather-related. But in the insurance world, umbrella coverage has nothing to do with actual umbrellas. So, what is umbrella coverage? How does it work? And who should buy an umbrella policy? We might not be able to help you track down your elusive umbrella, but we do have the answers to your umbrella insurance questions (...)

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Commercial truck

Do I need commercial auto insurance?

Auto insurance is mandatory in most regions of Canada. But having an insurance policy doesn’t necessarily mean you have the right coverage. For instance, if you use your vehicle for business purposes, you may be required to purchase commercial auto insurance. Don’t worry though, it isn’t rocket science! There are three main factors that determine if you should consider purchasing commercial auto insurance (...)

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Top reasons for home insurance to increase, and ways to save

Even if you’re a model customer with no claims, other reasons beyond your control could be pushing your premium up.Extreme weather events and catastrophes are more frequent. As forest fires, floods, storms, and other weather events become more frequent, they cause extensive damage, resulting in more costly claims. Municipal infrastructure is getting older. Outdated municipal infrastructure and a higher demand for water make sewer backups more frequent, resulting in more damage-related claims (...)

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insurance increase

Top reasons for car insurance to increase, and ways to save

Even if you’re a model customer with no claims, other reasons beyond your control could be pushing your premium up.Fraudulent claims are increasingly common. Fraudsters who stage accidents to make money are causing rates to increase across the country. In Ontario, the Insurance Bureau of Canada reports that fraud costs an estimated $1.6 billion per year (...)

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How to prevent a sewer back-up claim

The sound of running water can be soothing…unless that water is running somewhere it shouldn’t be, like your basement floor. Water damage is the leading cause of home insurance claims in Canada — and there are many ways unwanted water can end up in your home. One common cause of water damage is sewer backup, which happens when water begins to flow backwards into your home. Yes, this is just as unpleasant as it sounds. Not only does exposure to sewage pose a health hazard, but the clean-up process is extensive and costly (...)

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Wood

How to safely use your wood burning fireplace this winter

After a day on the ski hill or an afternoon of shoveling, there’s nothing quite like warming up by a wood burning fireplace. To enjoy your fire with peace of mind, take the proper steps to protect your family and your home from potential hazards like chimney fires and accidental burns. If you’re using a wood or pellet stove, you’ll want to do some additional research so you’re familiar with how operate it safely. Otherwise, here’s everything you need to know to safely enjoy your wood burning fireplace and stay warm during the next polar vortex (...)

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Rental Car Coverage

Rental Car Coverage. Do you need to purchase extra?

When you’re renting a car you never want to worry whether or not you have the right insurance coverage and if you will be properly covered in the event of a collision. But you also don’t want to feel like you are overpaying, or duplicating coverage you already have! The rental company’s extra coverage might make sense in some cases, however you may be covered by your existing car insurance policy, or even through your credit card — particularly if you will be renting the vehicle in Canada or the United States (...)

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Workplace Accidents

Five most common workplace accidents on construction sites

Workplace injuries and fatalities on construction sites are occurring at alarming rates in Canada. In 2015 alone, 26,000 Canadian construction workers were injured on the job and 186 were fatally injured. This article outlines the five most common workplace accidents and injuries on construction sites and provides suggestions on how to prevent them to protect your employees and your business (...)

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Cannabis and insurance

Cannabis is legal now. How does this affect your insurance?

Canada has officially legalized recreational cannabis use as of October 17, 2018. It’s a societal shift that has left many industries scrambling to figure out how to position themselves in this brave new world. How will school curriculum's introduce education around responsible consumption? How will restaurants incorporate edibles into their menus? What will legalization mean for tourism? How will cannabis products be marketed to the public - a government website for Ontario residents. The big question though, is how are insurance companies responding to this legalization (...)

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