Spring Newsletter We made it! Another winter is now behind us. Who would have thought what the Spring of 2022 would bring? A hopefully waning pandemic, inflation, and now sadly, war. From an insurance perspective, the risks we encounter in our daily lives continue and...
Fall 2021 Newsletter Autumn greetings to our valued clients, friends and colleagues. Here we are now heading in to the winter of 2021. What a year it has been. Rather than rehash the challenges of the past two years, once again we look forward to an autumn and winter...
Wood Burning Appliances – Wood Stoves With Covid19, this winter we will be more homebound then ever before. Those cold winter nights are more pleasant with the warmth, scent and sound of a fire safely crackling nearby. With the expected resurgence of wood stoves and...
Now living with covid-19 more of us are working from home and becoming even more reliant on internet connectivity. This is unfortunately when the internet also seems to be "exploding" with fraud – phishing scams. Especially those taking advantage of our COVID-19...
Road safety is always important, but it becomes crucial when winter takes effect. Snow, icy roads and unpredictable weather are all common hazards that plague drivers during the colder months. Keep calm, confident and safe on the roads this winter by following these...
Great article from CBC on Cyberware/Ransomware insurance coverage - How ransomware insurance that protects companies and communities can also embolden criminals https://www.cbc.ca/news/science/ransomware-cyber-insurance-pros-and-cons-1.5453619
Ontario Home Insurance Tips for Preventing an Electrical Fire We are now in the digital age with more gadgets than ever. With more people working from home, more devices are being plugged in and are running alongside home appliances. This often increases the use of...
Even Canadians Need Some Cold Weather Reminders Once again, it is time to review some cold weather strategies to reduce, minimize or avoid potential losses for Ontario home owners. For many of our clients this should now only serve as a reminder. For our new clients...
As summer approaches in the midst of the COVID-19 pandemic, a key question is whether motorists with winter tires are getting their seasonal tire changes. Keeping winter tires on during the summer increases the risk of aquaplaning because winter tire treads don't shed...
CYBER LIABILITY During these unprecedented times, millions of Canadians are practicing physical (social) distancing and working from home. These practices are currently the "new normal" in an effort to keep safe from COVID-19. However, in working from home, we have...
Suggestions for managing Ontario Auto Insurance premiums As more people get used to staying at home in support of physical distancing, there may be some premium-saving strategies available. Especially so if there have been significant changes in your driving habits....
Melted snow and extreme weather events, such as torrential rain, are among the main causes of spring flooding. For many of us, having our home or business flood in the current covid-19 environment would be a disastrous additional financial and emotional burden. As...
Over the past 6 weeks or so, there has been considerable insurance information in the news over concerning the covid-19 crises. Most have heard local news announce that Canada's insurers are reviewing options for premium relief, for qualifying customers struggling...
We all know that Spring brings out excited drivers such as young people who have just obtained their licenses, ready to start practicing their driving on clear sunny days. As well, many people who have had their sports cars stored all winter will want to take them out...
Need more information on why Ontario auto insurance rates are increasing? Good article here courtesy of Canadian Underwriter What's really behind Ontario auto rate increases
Concerned about traveling during these stressful times with the coronavirus outbreak? Read on: The ins and outs of travel insurance amid coronavirus outbreak
During a major rain and wind storm, damage to buildings; such as roof shingles and windows, may occur and flooding and power outages are possible. Every year, homes are damaged by weather-related events, and homeowners are subjected to the considerable costs and...
We're now "mid-winter" and a good time to review some cold weather strategies to reduce, minimize or avoid potential losses! For many of our clients this should now only serve as a reminder. For our new clients please carefully read – • If you will be leaving your...
The fundamental purpose of an insurance company is to earn a reasonable profit for investors willing to invest money to underwrite risks and indemnify unpredictable losses. This is done by collecting premiums from many people with similar risks or assets, such as...
Winter weather and icy roads in particular seem to cause Ontario driver's considerable grief every year. Some feel it is just not "fair" that losing control on black ice, smashing your car and perhaps others, should count as an at-fault accident, often with resulting...
Imagine. You are on holidays in total relaxed mode as you enter a crowded café. Having found a table, you unsnap your fanny pack and hang it over your chair then scan the menu. You are soon focused on the food, the wine, and discussion with your travel partner and...