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Your Broker Advantage

A PART OF YOUR COMMUNITY

When you deal with a local broker, you're investing back in your own community. As IBAO members, we take the responsibilities of citizenship seriously and actively participate in community affairs across Ontario.

IBAO supports OSAID

Ontario Students Against Impaired Driving (OSAID) is an organization of youth volunteers with chapter members in over 60 per cent of Ontario's secondary schools. OSAID's goal is to educate people of all ages about the dangers of impaired driving due to any cause: alcohol use, drug use, extreme fatigue or other factors. Impaired driving kills, and OSAID intends to play a key role in stopping it.

As an OSAID sponsor, IBAO has a representative sitting on OSAID's Board of Directors. IBAO has also helped finance OSAID poster campaigns.

If you'd like to participate in helping keep Ontario's roadways safe from the hazards of impaired driving, visit OSAID's website for more information.

IBAO supports Crime Stoppers

Crime Stoppers is a not-for-profit organization that enables citizens to make confidential reports of criminal activity. Many of us have strong ties to the Crime Stoppers programs in our areas, and IBAO fully supports our participation.

Independent insurance brokers are your neighbours, and we care about your community.

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.

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.

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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.

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 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.

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.

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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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.

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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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.

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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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.

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.

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.

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

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.

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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.

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.

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.

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

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.

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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.

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.

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

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