your insurance professionals
Black luxury car at byroad in autumn time

Ontario Driver’s License System Explained

What license do I require? What are the restrictions on this license? These are questions we hear often from parents of new drivers and from drivers moving from outside of the province.  Below is a list of the various class of licenses in Ontario and some of their restrictions. CLASS

Read More »
building site

Builder’s Risk Policies

You have the plans, the permit and the material is ready to be delivered, but do you have insurance? Purchasing insurance is an integral part of your project. Losses incurred during the construction process can be financially devastating. Whether you are building new or renovating an existing building, you should

Read More »
a police vehicle with lights activated on the roof

The True Cost of a Traffic Ticket

We hear it often, “But it was just a minor ticket!” At the time a minor ticket might appear to be just that, until you receive your insurance renewal. Most companies include a minor conviction discount in your premium. This discount can be up to 15% and all it takes

Read More »
the outside of a building showing service lines

Service Line Coverage

As a homeowner you are responsible for the underground service lines that run from the city property line to your home.  These lines include your water line, electrical/telecom line and sewer line and can become costly to repair or replace. Your standard home insurance policy does not cover you for

Read More »
mature man driving speedboat on a lake at sunset

Severe Weather Preparedness for Boaters

Boating is fun way to enjoy the warm temperatures of spring and summer. But it is also an activity that takes place when we tend to have more severe weather. Having a plan and preparing your boat ahead of severe weather will help ensure that you get to enjoy the

Read More »
toronto condos

Understanding Condo Insurance

Condo insurance is one of the more complicated personal property insurance policies out there. Coverages is obtained under two separate policies. One which is purchased by you the condo owner and the other by the condo corporation. What is Covered? Condominium Corporation’s Policy The buildings that make up the condo

Read More »