The building evaluator

Insuring your building to value is not only good business, but the most cost efficient use of your insurance dollars. If you are under insured, you run the risk of becoming a co-insurer which can prove very costly in the event of a loss. Over insuring can result in you paying [...]

April 22nd, 2013|Uncategorized|0 Comments

Accident benefits

Which policy responds to provide Accident Benefits when an employee is injured while driving a company vehicle depends on certain variables. For the purpose of this Straight Talk, we are using a male employee as an exampleThe initial determination is governed by whether or not the.…

April 8th, 2013|Uncategorized|0 Comments

Water Damage Prevention Tips

Water damage claims, whether covered by insurance or not are a source of great worry and inconvenience. The best protection against water losses is prevention. Below you will find some useful tips that can help you avoid or minimize the damage caused by water. [...]

March 4th, 2013|Uncategorized|0 Comments

Driver training courses

With the high cost of insuring young drivers, there has been an increase in the number of fake driving school certificates or ones obtained from driving schools not approved by the Ministry of Transportation. In the past, drivers who [...]

February 19th, 2013|Uncategorized|0 Comments

Flying ice

Winter brings an increase in the number of incidents involving large chunks of ice blowing off of the top of transport trucks and sometimes vans or cars. Damage to trailing vehicles can range from cracked windshields to more substantial damage. Below are some general [...]

February 6th, 2013|Uncategorized|0 Comments

Jewellery insurance

Most home insurance policies limit the amount payable for jewellery claims. $6,000 is a common limit found on many policies. Keep in mind that the jewellery limit is for all jewellery lost in a claim, and not for each item. Several pieces can exceed $6,000 quite quickly. Scheduling more [...]

January 28th, 2013|Uncategorized|0 Comments

Repairing leased vehicles

Most of you have heard the advertised advantages of leasing a vehicle. Access to more expensive automobiles with affordable monthly payments and walking away from the vehicle after the 2-4 year lease term makes leasing an attractive alternative to purchasing. [...]

January 21st, 2013|Uncategorized|0 Comments

Ice dams

What causes ice dams? Ice dams form when the temperature fluctuates enough to cause frequent melting and freezing conditions. When ice builds up on the edge of the roof (often in your eavestroughs) and the snow above melts, the water can collect and flow back under the shingles [...]

January 3rd, 2013|Uncategorized|0 Comments

Replacement cost

What is replacement cost? Replacement cost is a provision in most homeowners and many business policies that reimburses you the full cost of replacing contents lost or destroyed as a result of a claim. This also includes HST unless you are an HST registrant business owner in [...]

January 3rd, 2013|Uncategorized|0 Comments

Wind and trees

Will insurance pay for my tree that blew over or the cost to cut it up? Trees are not insured against wind damage, nor are the costs to cut them up unless the tree or large branches have fallen and damaged your insured [...]

December 10th, 2012|Uncategorized|0 Comments