Personal Insurance Products

Personal Insurance Products

Homeowners
Homeowners policies are designed to cover the various risks of a home owner in one package policy. It is a very flexible product and the three option types available are generally referred to as standard, broad and comprehensive.

Condominium
Condominium policies are designed to protect the unit owner for all interior damage to the unit itself against all risk perils. In addition it provides protection for personal contents, betterments and improvements made to the unit from the date of original construction,

Tenants

 
Tenants policies, while not mandatory, are now being included as part of the lease requirements by landlords of the property being leased to the tenant. A tenants package policy is designed to protect the tenants personal contents, and personal liability, including the tenant's legal liability for damage that is done to the landlord's building or other tenant's personal property as a result of tenant negligence, such as a careless smoking, cooking, or water damage claim.  

Automobile

Automobile insurance is mandatory for all owners of a registered vehicle in Ontario, as legislated by the provincial government. In fact the maximum fine for operating a vehicle without insurance is $5,000.

Business Insurance Products

Business Insurance Products

Who needs business insurance?

The right insurance is an important tool to protect any business.

Every business has unique requirements.

Your commercial insurance should be designed to protect the assets and capital in your business against most risks. A Bill Blaney Insurance Commercial Broker can help you itemize and quantify those risks, and determine the level of coverage you should consider.

Property loss. Insurance against property damage or theft protects the physical assets that support your business including buildings, equipment, vehicle fleets and inventory, as well as intangible assets such as licenses, patents and accounts receivable. To arrange the right level of insurance, you must know your rights and obligations as an owner, tenant, leaseholder, landlord or mortgage holder. You must also take into account local bylaws or standards for physical repair and reconstruction.

Liability loss. Every business is exposed to liabilities and should be protected against the minor as well as the major ones including personal injury, product failures or negligence.

Personal loss. Group health and benefits insurance can help to improve employee retention and well-being thereby reducing the cost of turnover and lost time.

Net income loss. Some businesses are exposed to specific perils that are beyond their control and that would cause critical damage to the viability of the business

Community Involvement

Community Involvement

Bill Blaney Insurance Brokers is proud to be a part of the community of Dorchester.

Our pride can be seen in our sponsorship of community events such as the annual home show, the Donnybrook Fiddle and Step Dance Competition, the Dorchester Fair and our annual toy and canned food drive for the local food bank.