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 (...)
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 (...)
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 (...)
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 (...)
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 (...)
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 (...)
Construction businesses face many risks - and these risks aren’t limited to construction sites. If you rent or own an off-site facility to store equipment and building materials or to use as a temporary office, it’s important to make sure these facilities are protected against potential risks. In the event of a loss, your business could suffer downtime and lost revenue. Whether inside or outside, all sites storing your property should be checked regularly (...)
You’ve just had water damage or a fender bender. Finding your insurance documents or broker’s phone number shouldn’t be an added ordeal. To make managing these stressful times a bit easier, and to adapt our services to your needs and schedule, Intact Insurance has developed an app that allows you to access your insurance information on your smartphone or tablet. You can also connect to your account on your computer via the Client Center. Our goal? To be there when you need us. So that you have more time for what really matters (...)
You’ve probably read about it in countless online articles dedicated to cars or technologies: dashboard cams are becoming increasingly popular. As technological advances continue to make dash board cameras smaller, cheaper and higher quality, you may be tempted to join the ten percent of Canadian drivers who have already embraced the trend and installed one in their car. They’re a must for some and a futile gadget for others. To help you out, we came up with the pros and cons to consider before making a decision (...)
