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Code of Conduct

14. All members shall act as insurance brokers in accordance with the following code of conduct:

1. A member shall discharge the member’s duties to clients, members of the public, fellow members and insurers with integrity.

2. A member owes a duty to the member’s client to be competent to perform the services which the member undertakes on the client’s behalf.

3. A member shall serve the member’s client in a conscientious, diligent and efficient manner and shall provide a quality of service at least equal to that which members would generally expect of a member in a like situation.

4. A member shall be both candid and honest when advising the member’s client

5. A member shall hold in strict confidence all information acquired in the course of the professional relationship concerning the business and affairs of the member’s client, and the member shall not divulge any such information unless he is authorized by the client to do so, is required by law to do so, or required to do so in conducting negotiations with underwriters or insurers on behalf of the client.

6. A member shall observe all relevant rules and laws regarding the preservation and safekeeping of property of the client entrusted to the member and, when there are no such rules or laws or the member is in doubt, the member must take the same care of such property as a careful and prudent person would take of the person’s own property of like description.

7. A member who engages in another business or occupation concurrently with the practice of the member’s vocation shall not allow such outside interest to jeopardize the member’s integrity, independence or competence.

7.1 A member shall disclose in writing to a client or prospective client any conflict of interest or potential conflict ofinterest of the member that is associated with a transaction or recommendation.

8. A member shall not stipulate, charge or accept any fee that is not fully disclosed, or the basis for which is not fully disclosed prior to the service being rendered, or which is so disproportionate to the service provided as to be unconscionable.

9. A member shall encourage public respect for and try to improve the practice of the member’s vocation.

10. A member shall make the member’s services available to the public in an efficient and convenient manner which will command respect and confidence and which is compatible with the integrity, independence and effectiveness of the member’s vocation.

11. A member shall assist in maintaining the integrity of the member’s vocation and should participate in its activities.

12. A member shall assist in preventing the unauthorized practice of the member’s vocation.

13. A member's conduct towards other members, members of the public, insurers and the Corporation shall be characterized by courtesy and good faith.

R.R.O. 1990, Reg. 991, s. 14, Reg. 410/04, s. 4

Using a cell phone while driving can reduce driving performance more than having the maximum legal level blood-alcohol level (80 mg/100ml).

By duplicating your business records and storing them off-site, you will have documents to substantiate any business interruption loss in the event that your premises are damaged.

You can protect your computer and its data by backing up data and programs on a regular basis and storing them off-site in a secure location.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

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If you experience a loss that exceeds your deductible, ask your broker what the impact might be on your premiums if you make a claim. The best advice might be to absorb the cost yourself in exchange for lower premiums in the long term.

Find a Broker in your area.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

An ounce of prevention goes a long way. Ask us about arranging a complete loss-prevention audit to identify possible hazards in your operations and to suggest improvements and optimum coverage.

Loss of income due to closure of your business location is based on previous earnings. When buying business interruption insurance, though, it’s based on a projection of future earnings. It makes sense since you don’t want to have your losses based on what you made during your first year in business – ten years ago.

If you run a home-based business, you may not need to purchase a stand-alone business policy. Your insurance broker may be able to add a rider to your existing home insurance policy to provide additional coverage for your home-based businesses.

If you participate in a time-share using your home or you rent out your cottage, you must tell your broker. These activities represent an increase in liability and risk to the property and may require additional insurance.

Driving while fatigued can be just as fatal as drinking and driving. Make sure to be well rested before your trip, and if you're tired, don't drive.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

Many companies will only insure your vacation property if you already have a homeowner’s policy with them. Talk to your broker about purchasing a separate, stand-alone policy.

Don't assume that once you have a policy you are covered for everything. Ask us to explain the details.

Find a Broker in your area.

One of the best ways to find a broker is to ask family, friends or work colleagues that you trust for a recommendation.

The bigger the bike (and engine), the more it will cost to ensure since insurers will have to factor in the replacement cost of the bike. The type of bike you choose will impact on insurance premiums, so find out how your bike rates.

When damage cause by objects tossed around or knocked down during a storm (i.e. patio furniture), the property owner of those items isn’t held responsible. The onus is on the homeowner whose property sustained the damage to draw on their insurance coverage.

When choosing a broker, make sure to find one who is willing to take the time to understand your insurance needs and recommend the right policy options for you.

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Insurance involves technical terms that can be baffling. These terms help to make policies precise but don’t always help to make them clear. Don’t be afraid to ask us to explain terms that you don’t understand.

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When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

Find a Broker in your area.

Finding a broker who understands your needs is an important first step to being properly insured. Take the time to find someone you feel comfortable with.

Find a Broker in your area.

You can purchase an umbrella liability policy that provides additional liability coverage to your home and car insurance. For example, if you have $1 million on your home and $1 million on your car but don't feel it is sufficient, instead of adding $1 million to each, you can buy an umbrella liability policy for an additional million that covers both.

If you are not sure about your coverage, it’s better to give us a quick call than to guess. Remember, if you’re not covered and an accident occurs, the insurer is not obliged to pay.

When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help.

Find a Broker in your area.

Your home insurance policy may provide extended coverage for your rental property as well. Ask an independent insurance broker what policy terms you need for your rental property.

Students living away from home while completing their studies are likely covered by their parents’ home ownership policy for any damage to rental space or its contents. That may not be the case if you’ve permanently moved out, so talk to your independent insurance broker to make sure you’re covered.

Your home inventory list is an important document, so it’s a good idea to keep a printed copy in a safe deposit box at another location, such as with a friend or at your bank. Also, save a copy on your computer and a back-up copy on a flash drive stored elsewhere. Or email the list to a close friend or family member.