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.

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.

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.

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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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.

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.

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.

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

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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.

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.

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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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.

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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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.