What Insurance Do Ontario Small Businesses Actually Need?

If you run a small business in Ontario, insurance can feel confusing, and often more complicated than it needs to be. Many business owners ask the same question:

"What insurance do I actually need, and what's optional?"

The answer depends on your industry, location, and how you operate. But most Ontario small businesses share common risks. Below is a practical guide to the most important types of business insurance in Ontario, with real-world local examples.

Commercial General Liability Insurance (Essential for Most Ontario Businesses)

Commercial General Liability (CGL) insurance is the foundation of most business insurance policies in Ontario. While not always legally required, it's often required by landlords, clients, municipalities, and contractors.

It protects your business if:

•    A customer slips and falls at your location

•    You damage a client's property while working

•    You're accused of negligence, libel, or slander

Ontario example:

A retail shop in Whitby has a customer slip on a wet floor during winter. A liability policy can help cover legal costs and settlement expenses.

A contractor working in Toronto or Oshawa may not be allowed on a job site without proof of $2 million in liability coverage.

Best for:

Retailers, contractors, consultants, trades, wholesaler, manfacturers and home-based businesses.

Commercial Property Insurance (If You Own Equipment or Lease Space)

Commercial property insurance covers your physical assets, including:

•    Contents and equipment

•    Inventory and tools

•    Fire, theft, and vandalism

•    Loss of income after an insured claim

Even if you operate from home, standard home insurance in Ontario usually excludes business property and business activities.

Ontario example:

A professional office in Ajax suffers smoke damage from a neighbouring unit. Property insurance can help cover repairs, damaged equipment, and business interruption costs.

A trades business storing tools in a garage in Clarington may not be covered under a personal home policy.

Best for:

Offices, retail stores, trades, manufacturers, and home-based businesses with equipment.

Commercial Auto Insurance (Legally Required in Ontario)

If your business owns or regularly uses vehicles, commercial auto insurance may be legally required under Ontario law.

This applies to:

•    Vehicles registered to a business

•    Company-owned or leased vehicles

•    Certain regular business use of personal vehicles

Personal auto policies often exclude commercial use, especially for deliveries, job site visits, or transporting tools.

Ontario example:

A landscaping company operating across Durham Region uses branded pickup trucks. These vehicles require commercial auto insurance.

A sales consultant using a personal car to visit clients throughout the GTA may need business use declared or a commercial policy.

Professional Liability (Errors & Omissions) Insurance

Professional Liability insurance (also known as Errors & Omissions or E&O) protects businesses that provide advice, services, or professional expertise.

It helps if a client claims:

•    Your advice caused them financial loss

•    Your work was incomplete or inaccurate

•    A mistake or omission impacted their business

Ontario example:

An IT consultant in Pickering provides system advice that leads to downtime for a client. E&O insurance can help respond to legal claims.

A marketing consultant working with Ontario-based clients may be contractually required to carry E&O coverage.

Best for:

Consultants, IT professionals, designers, accountants, and service providers.

Cyber Insurance (Increasingly Important for Ontario Small Businesses)

Cyber insurance is no longer just for large corporations. Small businesses across Ontario are frequent targets because they often rely on email, cloud systems, and digital records.

Cyber insurance may help with:

•    Ransomware attacks

•    Data breaches involving client information

•    Notification and credit monitoring costs

•    Legal and recovery expenses

Ontario example:

A small professional firm in Bowmanville experiences a phishing attack that exposes client data. Cyber insurance can help cover response costs and legal obligations under privacy laws.

Best for:

Any business handling personal, financial, or confidential data.

Business Interruption Insurance

Business interruption insurance helps replace lost income if your business is temporarily forced to close due to an insured loss, such as a fire or major water damage.

It can help cover:

•    Lost revenue

•    Ongoing expenses

•    Temporary relocation costs

Often included as part of a commercial property policy.

Ontario example:

A restaurant in Oshawa closes for several weeks due to fire damage. Business interruption coverage can help keep cash flow going while repairs are completed.

What Insurance Is Actually Mandatory in Ontario?

For most Ontario small businesses:

•    Commercial auto insurance is mandatory when applicable

•    WSIB coverage may be required depending on your industry and staffing

Other coverages are not legally required but may be contractually required or strongly recommended based on risk.

The Bottom Line: Ontario Business Insurance Isn't One-Size-Fits-All

The right insurance coverage depends on:

•    Your industry

•    Your location in Ontario

•    Whether you have employees or vehicles

•    Your contracts and clients

•    Your tolerance for risk

Working with a local Ontario insurance broker helps ensure you're protected without paying for coverage you don't need,  and without discovering gaps when it's too late.

Need Help Reviewing Your Ontario Business Insurance?

If you're unsure whether your current coverage fits your business, a review with a local Ontario insurance broker can help you make informed decisions before renewal or growth.

Hiring a contractor to perform work on your home or condominium can be exciting, but it also carries risk if the proper precautions aren't taken. Whether you are a homeowner, a condominium unit owner, or a tenant, doing your due diligence before work begins can help prevent costly and stressful situations later on.

We recently encountered a situation that serves as an important reminder of why contractor vetting and insurance verification are so essential.

A Real-World Example

A client planned a renovation to their condominium unit and took what appeared to be the right first step by hiring a project manager to oversee the work and coordinate the necessary trades. Unfortunately, several critical steps were missed:

• The client did not verify the project manager's work history or references
• No written contract was put in place
• The project manager was paid in cash
• No certificate of insurance was requested from the project manager or the trades they hired

As the project progressed, a plumber hired for the job failed to complete the work properly. This resulted in a plumbing leak that caused significant damage, not only to the client's unit, but also to the units below.

Why Insurance Matters

When a contractor or trade causes damage and does not carry proper insurance, the financial responsibility may fall back on the homeowner, condo owner, or tenant. In many cases, this means turning to your own insurance policy, potentially leading to:

• A claim on your homeowners or condominium insurance
• Possible increases in future premiums
• Coverage limitations or disputes if negligence is involved

If the contractor had been properly insured, their commercial general liability insurance would typically respond to the damage, protecting you and keeping your own insurance policy out of the claim.

Key Steps to Protect Yourself

Before hiring any contractor, project manager, or trade, always take the following steps:

• Verify their experience and references: Ask to see examples of prior work and speak to past clients
• Get everything in writing: A clear contract protects both parties and outlines responsibilities
• Request a Certificate of Insurance: This confirms the contractor has valid liability coverage in place
• Ensure all trades are insured: Subcontractors should carry their own insurance, not rely on someone else's
• Avoid cash payments: Use traceable payment methods for accountability

These steps apply equally whether you own a detached home, a condominium unit, or are a tenant arranging work with a landlord's permission.

The Bottom Line

Hiring the right professionals, and confirming they are properly insured, can make the difference between a smooth renovation and a costly insurance claim. A certificate of insurance is not just paperwork; it is your assurance that if something goes wrong, the contractor's insurance responds, not yours.

If you have questions about contractor insurance requirements or how claims may impact your policy, we are always happy to help.

The Canadian insurance landscape is shifting once again. Definity Financial Corporation, the parent company of well-known brands such as Economical Insurance, Sonnet, and Family Insurance Solutions, has announced that it will acquire Travelers Insurance Company of Canada and related operations from The Travelers Companies, Inc.

This landmark agreement, valued at approximately US $2.4 billion (C $3.3 billion), is expected to close in the first quarter of 2026, subject to regulatory approvals. Once finalized, Definity will become one of Canada's top four property & casualty insurers, strengthening its national presence and expanding capacity across both personal and commercial lines.

What We Know So Far

Definity has advised broker partners, including L.D. Dermody Insurance Brokers, that they will begin converting existing Travelers Canada policies to Definity systems as part of this transition. The goal is to align operations, underwriting, and pricing models across Definity's portfolio to create a more unified client experience.

In practical terms, this means that:

• Existing Travelers policies will be migrated into Definity's policy systems over time.

• Pricing alignments are expected as Definity integrates Travelers' book of business.

• New-business quoting processes will change, with updates expected early in the new year.

Definity has confirmed that further communication will be provided to brokers outlining timelines, system changes, and quoting procedures for 2026.

Why This Matters

Industry consolidation is not new, but this acquisition is particularly significant for brokers and clients across Ontario. It brings together two established Canadian insurers with complementary strengths:

• Travelers Canada has a long history of reliable personal and commercial products.

• Definity has invested heavily in digital innovation, analytics, and broker-focused technology.

By combining these capabilities, Definity aims to deliver more consistent pricing, improved technology, and expanded capacity, potentially benefiting both brokers and policyholders.

However, as with any large-scale transition, there will be a period of adjustment. Changes to rating models, underwriting appetite, and policy processing may occur as systems merge and Definity refines its product offerings.

What It Means for L.D. Dermody Clients

As a long-standing independent Ontario brokerage, our role remains the same: to act in our clients' best interest. We are actively monitoring updates from Definity and Travelers Canada to ensure a smooth transition for all affected policies.

Here's what our clients can expect:

• No immediate action is required. Current Travelers policies remain valid and fully supported.

• We will communicate any required updates. Once Definity releases details on quoting, renewals, and policy conversions, we will contact affected clients directly.

• We'll continue to shop the market. As an independent brokerage, we represent multiple insurers. Our priority is ensuring your coverage remains competitive, appropriate, and aligned with your needs.

The Bigger Picture: Strength in Scale

This acquisition reflects a broader trend in the Canadian P&C industry: insurers are consolidating to gain scale, efficiency, and pricing flexibility in a challenging market marked by inflation, climate risk, and supply-chain pressures.

Definity's acquisition of Travelers Canada positions the combined entity to compete more effectively and potentially bring enhanced stability to the market over the long term.

Our Commitment to You

At L.D. Dermody Insurance Brokers, we remain committed to providing transparent, informed guidance throughout this transition. We will continue to liaise with Definity as more details emerge and ensure that every client understands how these changes may affect their coverage or pricing.

If you have questions about your current Travelers policy, or simply want to review your insurance options ahead of renewal, our team is here to help.

📞 Call us: 905-479-1100

📧 Email: contact@lddermody.com

🌐 Visit: lddermody.com/resources/insights-updates

If you opened your renewal notice this year and saw a higher car insurance premium, you're not alone. Across Ontario, many drivers are noticing rate increases, even those with clean driving records and no recent claims. 

At L.D. Dermody Insurance Brokers, we hear this question almost every day:

"Why did my car insurance go up when I didn't do anything wrong?"

It's a fair question, and the answer often comes down to a mix of industry-wide factors and personal changes that affect how insurers calculate risk. Let's break it down.

1. Inflation and Rising Repair Costs

One of the biggest factors driving up premiums is the cost of repairing or replacing vehicles.  Modern cars are packed with sensors, cameras, and advanced materials that make even minor collisions expensive to fix.

Parts shortages, higher labour costs, and shipping delays have all pushed repair bills higher, and insurers are paying out more per claim. Those costs are then reflected in everyone's premiums.

2. Increased Claim Frequency and Severity

More drivers are back on the road than during the pandemic years, and that means more collisions.  Insurance companies track both how often claims happen and how severe they are, and both have risen across Ontario.

When claims increase across the province, insurers must adjust rates to stay financially stable and continue paying future claims.

3. Your Postal Code or Area Risk Changed

Where you live can affect your car insurance rate.   Insurers analyze claims data by postal code. If an area has a spike in accidents, thefts, or vandalism, premiums for everyone in that region may rise.

You might be the safest driver in your neighbourhood, but if local statistics worsen, your rate can still go up. It's not personal, it's data-driven.

4. Car Theft Is at Record Highs in Ontario

Vehicle theft is a major issue right now, especially in the GTA and surrounding areas.  According to industry data, car thefts have surged in recent years, and not just for luxury models. Many SUVs and pickup trucks are now high-value targets.

Insurers have responded by increasing comprehensive coverage rates, which protect against theft and non-collision losses. Even if your car isn't stolen, your premium can increase because of broader regional trends.

5. Rate Filings Approved by FSRA

In Ontario, the Financial Services Regulatory Authority (FSRA) reviews and approves rate changes for each insurance company.  When insurers experience higher claims costs or need to adjust for inflation, they apply to FSRA for a rate increase. Once approved, those changes apply to all policyholders, even if your own driving history hasn't changed.

This means a premium increase could reflect your insurer's overall performance, not your individual record.

6. Policy or Vehicle Changes

Sometimes the reason for a higher premium is right in your own policy details.  If you bought a newer vehicle, changed your daily commute distance, added a driver, or modified your coverage (like lowering a deductible or adding rental protection), your rate can change accordingly.

Even small updates, such as switching from pleasure use to commuting, can make a noticeable difference.

7. Loss of Discounts

Discounts play a big role in keeping rates competitive.  If you've recently changed vehicles, missed a renewal date, or no longer qualify for certain programs (like a multi-vehicle or driver training discount), your overall premium may rise.

That's why it's always worth reviewing your file with a broker. We can often identify discounts you've lost and help you regain them.

What You Can Do About Rising Car Insurance Rates

While some factors are beyond your control, there are still practical ways to manage your costs:

✔ Review your coverage: Make sure your policy matches your current situation. If your car is older, for example, you may not need certain optional coverages.

✔ Bundle your policies: Combining your home and auto insurance can save 10-20% with many insurers.

✔ Ask about telematics programs: Usage-based insurance (UBI) apps track driving habits, and safe drivers often earn discounts over time.

✔ Shop around, safely: A licensed broker can compare quotes from multiple insurers and find one that fits your needs and budget.

✔ Maintain a clean record: Tickets and at-fault accidents can raise your premium for several years, so defensive driving truly pays off.

Why Work With a Broker

Unlike direct insurers, independent brokers work for you, not one insurance company.

At L.D. Dermody Insurance Brokers, we review every renewal to ensure our clients are getting fair value.

If your rate has gone up, we'll explain why, check for new discounts, and explore options with other carriers if it makes sense. Our goal is to make sure your coverage stays competitive without sacrificing protection.

"Insurance doesn't have to be confusing. We believe in plain-English advice, personalized service, and helping Ontario drivers make confident choices."

The Bottom Line

Car insurance rates in Ontario are changing, but that doesn't mean you're powerless. Understanding why premiums increase, and how to respond, is the first step toward keeping your costs under control.If your car insurance has recently gone up, let's review your policy together. We can explain the changes, compare alternatives, and help you find the best value for your needs.

📞 Call us: 905-479-1100

📧 Email: contact@lddermody.com

🌐 Visit: https://lddermody.com

At L.D. Dermody Insurance Brokers, we know that peace of mind starts with the right protection, and that means understanding what your property is truly worth to rebuild. One of the most common challenges in home insurance is getting the replacement cost right. That's why we've adopted Applied ezITV, a modern dwelling valuation tool designed to bring precision, speed, and confidence to every property coverage evaluation.

For Ontario homeowners, ezITV is transforming how brokers calculate replacement costs and ensure every policy accurately reflects real-world rebuilding expenses.

What Is Applied ezITV?

Applied ezITV (short for "easy Insurance-to-Value") is a state-of-the-art valuation platform created by Applied Systems, a global leader in insurance technology. It helps brokers and insurers calculate a home's replacement cost , the estimated amount required to rebuild the property from the ground up after a total loss.

Instead of relying solely on manual data entry or outdated appraisal methods, ezITV uses verified data sources, predictive analytics, and integration with insurer systems to deliver fast, data-driven results. For our clients, this means better accuracy and greater confidence in your Ontario home insurance coverage.

How It Works: Technology Behind the Accuracy

When our brokers perform a dwelling evaluation through ezITV, the system automatically retrieves key property information such as:

• Address and postal code

• Building size and construction style

• Exterior and roofing materials

• Heating, cooling, and plumbing systems

• Age, occupancy, and additional structures

ezITV then cross-references this information with iClarify, Canada's leading property intelligence database. Predictive modeling fills in missing details using regional construction trends and historical data.

Our licensed insurance brokers at L.D. Dermody Insurance Brokers then review, verify, and adjust any details based on their local knowledge,  ensuring your property coverage evaluation reflects the most accurate, up-to-date information available.

Why It Matters: The Importance of Insurance-to-Value

Many homeowners assume their "insured amount" automatically equals their rebuild cost, but that's not always the case. Construction costs, labour shortages, and material prices fluctuate constantly. Without accurate evaluations, you risk being underinsured (receiving less than what's needed to rebuild) or overinsured (paying higher premiums than necessary).

Applied ezITV helps prevent both problems by delivering a consistent, data-backed valuation for every property. The result:

✅ Your home insurance policy aligns with today's construction realities.

✅ You get a fair, transparent estimate backed by verified property data.

✅ You avoid unpleasant surprises at claim time.

Key Benefits of Applied ezITV for Homeowners

1. Faster Quotes and Renewals

ezITV automatically fills in most of the required property data, dramatically reducing manual entry. That means you receive quotes,  or renewal valuations, faster and with greater consistency.

2. Greater Accuracy and Confidence

Because ezITV integrates predictive data and iClarify verification, your dwelling replacement cost is based on reliable, up-to-date information, not generic averages or guesswork.

3. Seamless Integration with Insurers

Applied ezITV is fully compatible with Applied Rating Services and the Vertafore broker management system, both used by L.D. Dermody Insurance Brokers. This ensures that valuations, quotes, and underwriting data flow securely between systems with minimal risk of human error.

4. Clear, Transparent Reporting

Every evaluation generates a detailed report outlining construction assumptions, rebuild costs, and data sources. This gives homeowners a transparent look at how their property insurance value is determined.

5. Consistency Across Policies

With standardized, data-driven inputs, ezITV ensures consistent replacement cost estimates across similar homes, a crucial advantage for accurate underwriting and fair pricing.

Applied ezITV and Ontario Homeowners: A Perfect Fit

Ontario's housing market is diverse, from 100-year-old heritage homes in Hamilton to modern infill properties in Burlington and Niagara. Applied ezITV's predictive models account for these regional differences, using data specific to Ontario building codes, material costs, and construction styles.

That local adaptability means homeowners across the province can benefit from accurate, location-specific valuations, no matter the age or type of dwelling.

Whether you own a detached home, a century property, or a custom-built residence, our brokerage uses ezITV to help ensure your Ontario home insurance policy reflects your property's real replacement cost, not just its market value.

Our Approach: Technology Meets Personal Service

At L.D. Dermody Insurance Brokers, we believe technology should enhance human expertise , not replace it. Applied ezITV gives our brokers better tools to deliver faster, more accurate valuations, but our personal service and local knowledge remain the foundation of everything we do.

We review every valuation individually, confirm key details with you, and make sure your coverage limits make sense for your specific home. ezITV simply helps us do that with greater precision and efficiency.

Why Choose L.D. Dermody Insurance Brokers?

As an independent Ontario insurance brokerage, we represent multiple insurers, not just one company. That means we can compare policies, evaluate coverage options, and ensure that your replacement cost aligns with your chosen insurer's underwriting standards.

By pairing this flexibility with the accuracy of Applied ezITV, we deliver a smarter, more transparent insurance experience for homeowners throughout Ontario.

The Bottom Line

Applied ezITV is changing the way brokers and insurers evaluate property, bringing accuracy, speed, and confidence to every property coverage evaluation. For Ontario homeowners, it's an invaluable step toward protecting your greatest investment against the unexpected.

At L.D. Dermody Insurance Brokers, we're proud to integrate this powerful technology into our service model, ensuring every client gets the right coverage, not just the easiest quote.

Let's Make Sure Your Home Is Properly Protected

If it's been a few years since your last valuation, or if you've renovated your home, it may be time to update your dwelling replacement cost estimate.  Contact L.D. Dermody Insurance Brokers today to schedule a review, we'll walk you through your coverage, verify your property details, and ensure your policy reflects true rebuild values across Ontario.

📞 Call us: 905-479-1100

📧 Email: contact@lddermody.com

🌐 Visit: https://lddermody.com

If you've ever added a young driver to your insurance policy, you probably felt the sting of sticker shock. Parents often wonder: "Why does it cost so much when the car is old and only has liability coverage?"

It can feel unfair, but there are solid reasons behind those numbers. Let's break it down.

1. Young Drivers Are Riskier Drivers

Insurance is all about risk. The more likely you are to get into an accident, the higher your premium. And unfortunately, the stats don't lie: drivers under 25, especially those just starting out, are far more likely to be involved in collisions.

Even if your son or daughter is a careful driver, the insurance company has to look at the bigger picture. On average, young and inexperienced drivers have more claims,  and more serious ones.

2. The Age of the Car Doesn't Matter Much

A common misconception is that an older car should mean lower insurance. That's true if you're paying for coverage that repairs or replaces your own vehicle. But when you only carry liability coverage, the car's value isn't the issue.

What matters is the damage that vehicle can cause to someone else. A 2010 sedan can still run a red light and cause a multi-car accident with injuries worth millions of dollars. That's why the liability premium is high, no matter how old the car is.

3. Why the Premium Can Be $600 a Month

When a young driver is listed as the principal driver on a car, the assumption is that they're driving it most of the time. More time on the road means more exposure to risk. Combine that with:

•    Age (under 25)

•    A G2 license (still a learning stage)

•    Ontario's high accident and injury claim costs

...and the price climbs fast. As painful as it feels, $600 per month is pretty standard for new young drivers in Ontario.

4. Are Insurance Companies Just Ripping People Off?

It can seem that way, but here's the reality: premiums are based on the cost of claims. And claims are expensive. Just one serious injury accident can cost millions of dollars in medical care, rehabilitation, and lost income.

Insurance companies don't set rates to be unfair,  they set them to cover those real-world costs. Without enough money in the system, no one's claims would get paid.

5. How to Keep Costs Down

While you can't erase the young driver "penalty," there are a few things that may help lower the bill:

•    Driver training courses - Many insurers give discounts for approved courses.

•    Occasional driver status - If the young driver isn't the main user, this could help.

•    Clean record - Tickets and accidents will make rates skyrocket.

•    Shop around - Different insurers weigh risk differently.

•    Telematics (usage-based insurance) - Some programs reward safe driving habits with lower rates.

The Bottom Line

Insurance costs for young drivers aren't about the car being new or old,  they're about the risk of what can happen on the road. Even a modest vehicle can cause major damage in an accident, and insurers have to price that risk accordingly.

It may not make the monthly bill easier to swallow, but understanding the "why" helps take away the mystery. And the good news is, as young drivers gain more experience and build a clean record, the cost does go down over time.

✅ Need help navigating young driver insurance?At L.D. Dermody Insurance Brokers, we understand how overwhelming these costs can feel. Our team can walk you through your options, shop around on your behalf, and find ways to keep your premiums as manageable as possible.

📞 Give us a call or send us a message today , we're here to help you protect your family while keeping your budget in mind.

It's a question we hear often: "If my car is parked illegally and another driver hits me, am I at fault?"

The answer may surprise you, it depends on where the collision happens.

The Ontario Fault Determination Rules

In Ontario, insurance companies don't assign fault based on police reports or personal opinion. They rely on the Fault Determination Rules (Regulation 668 under the Insurance Act). These rules outline dozens of accident scenarios, including parked vehicles, and they apply to every insurer in the province.

This means fault is decided the same way for everyone,  whether you're with a big company or a small brokerage like ours.

Rule 17: Parked Vehicles

Here's what the rules say:

•    If your car is parked (legally or illegally) in a city, town, or village and another vehicle strikes it, you are not at fault. The driver of the moving vehicle is 100% at fault.

•    If your car is illegally parked on a road outside a city, town, or village (for example, on a rural highway or country road) and another vehicle strikes it, then you are considered 100% at fault.

Why the Difference?

The logic comes down to expectations of drivers in different environments:

•    In cities and towns, moving drivers are expected to be alert and avoid obstacles, whether they are legally parked cars, illegally stopped vehicles, or even delivery trucks pulled over. Fault lies with the moving driver.

•    In rural areas, parked cars are not normally expected on the roadway. If you stop illegally, the law treats your vehicle as creating the hazard, so you are responsible if someone hits you.

Real-Life Example

Recently, one of our clients in Newmarket (a town) was struck by a school bus while parked in a no-parking zone. Even though their car was in a restricted spot, the Fault Determination Rules made it clear: the bus driver was 100% at fault.

Had the same accident occurred on a country road outside of town, our client would have been considered at fault instead.

What This Means for Drivers

•    Illegal parking may still earn you a ticket, but that's separate from insurance fault.

•    Where you park matters,  the same scenario has different outcomes depending on whether it's inside or outside a city, town, or village.

•    Fault rules are strict, insurers cannot make exceptions, even if a situation seems unfair.

Final Word

The Ontario Fault Determination Rules are designed to keep claims consistent and avoid drawn-out disputes. While the details can be confusing, knowing how they apply can help you understand what to expect if you're ever in an accident.

If you have questions about how fault might be applied in your situation , or if you've been in a collision and aren't sure how it will affect your insurance,  our team is here to help.

👉 Contact us anytime for expert advice on your auto insurance claim.

 A major change to auto insurance in Ontario is set to take effect in 2026. The Ontario government has decided to remove most mandatory accident benefits from automobile insurance policies and transition to an "a la carte" model.

Starting July 1, 2026, only medical, rehabilitation, and attendant care benefits will be mandatory in every auto insurance policy, while all other benefits will become optional. This means that benefits such as Income Replacement Benefits, Non-Earner Benefits, Caregiver Benefits, Housekeeping and Home Maintenance Expenses, Dependant Care Benefit, Death Benefits, and Funeral Benefits will no longer be included as standard in every policy. Instead, policyholders will have to select which benefits they wish to include.

While the aim of this new legislation is to lower costs and provide greater choice, there is a risk that individuals may lack critical coverage when they need it most. For example, the Income Replacement Benefit (IRB), which currently provides up to $400 per week to help cover lost wages after an accident, will become optional in 2026. If you choose not to include the IRB and find yourself unable to work, you won't be able to claim for lost income, which can be a significant financial strain during an already challenging time.

Stay tuned as we learn more about these changes and how they will be implemented.

With spring upon us and summer just around the corner, it's time to prepare your swimming pool for some fun in the sun with family and friends. But getting your pool ready involves more than just removing the cover and filling it with water.

Responsible pool owners prioritize safety. Taking precautions now can help prevent serious injuries and potential claims later on. Before you break out the sunscreen, beach towels, and barbecue, make sure your pool is safe to open by following these essential tips.

 Pool Preparation

• Clear the Area: Before removing the cover, clean off any leaves and debris around the pool. Drain as much water from the cover as possible.
• Adjust Water Levels: Refill the pool to its normal water level if it has dropped over the winter.
• Clean the Water: Use a net or vacuum to remove any remaining debris from the pool water.
• Reconnect Equipment: Reattach the filter, pump, heater, and any other equipment. Check that your pump and filtration system are functioning correctly.
• Remove Antifreeze: If you used pool antifreeze during winter, be sure to discharge it.
• Test Water Chemistry: After running the circulation system for several hours, test the pH level and add any necessary chemicals to adjust it.
• Thorough Cleaning: Brush and vacuum the pool to remove any dirt and debris, paying special attention to areas near steps, ladders, and equipment.
• Run the Circulation System: Let the system run overnight.
• Clear Water: Wait for the water to clear, which may take several days, and remember to clean the filter daily during this time.

Safety Checklist

• Inspect Ladders and Handrails: Ensure they are secure. If you have a diving board, check its condition. Keep in mind that diving boards can increase injury risks for both divers and swimmers.
• Safety Equipment: Have life rings, floats, and a reaching pole readily available in case of emergencies.
• First Aid Kit: Keep a fully stocked first aid kit near the pool.
• Secure the Pool Area: Check the fence and gate latch to prevent unauthorized access. The fence should be at least 6 feet high (consult local bylaws). Remember, you may be held liable if an uninvited guest, especially a child, is injured.
• Supervise Swimmers: Never allow solo swimming, especially for children.
• Monitor Alcohol Use: Be cautious with alcohol at pool parties, as it can impair balance and swimming ability.
• Enforce Safety Rules: Be prepared to uphold your safety rules and restrict access to anyone behaving unsafely. You are responsible for incidents that occur on your property.

Review Your Home Insurance

• Inform Your Insurer: Ensure your home insurance provider knows about your swimming pool.
• Coverage Needs: The pool may increase the value of your property, so review your coverage limits.
• Liability Coverage: Aim for a minimum liability coverage of $2 million or more. Consider an umbrella policy for added protection, especially if your pool includes a diving board or slide.

By following these guidelines, you can enjoy a safe and fun summer by the pool!

In today's dynamic small business landscape, contractors are expanding their services and taking on new challenges. But have you reviewed your insurance policy recently? Many common operations pose unique risks that might not be covered under your current policy. For example, roofing is often excluded from standard handyman policies, and if you're a roofer, you may not be covered for hot roofing applications. If you initially set up your policy as a framer or carpenter but have started doing flooring and drywall work, this could have different implications for your coverage.

If your work involves welding, are you aware of the necessary procedures to maintain your warranty coverage? Similarly, hot application roofers need to know if they require a fire watcher. Even if your policy covers your new operations, there could be additional coverage options you should consider. For instance, an installation floater protects against losses caused by insured perils before a job is completed-like if a water line fails behind the tiled shower wall you just finished. If you're exhibiting at a trade show, an exhibition floater covers your liability and stock on display.

Also, keep in mind that the average commercial auto coverage radius is typically 40 kilometers, with a maximum of 80. If you plan to operate outside of this range, it's crucial to discuss this with your broker to ensure you have the right coverage.

As your business evolves, staying in close contact with your broker can provide you with peace of mind, ensuring that your insurance works effectively when you need it most.

Water damage is now the number one cause of claims for Ontario homeowners.  The amount of damage can be so devastating that it's prudent to know what's covered by your home insurance policy.    Many people just assume they have coverage but there are many different kinds of water damage and not all of them are covered.

 In general, policies only pay for the accidental and sudden escape of water.  This includes a burst pipe, overflow from a toilet or sink or a broken hose to a washing machine.

Types of water damage not covered include:

• Leakage and seepage through the basement walls (this is seen as a maintenance issue)
• Walter infiltration
• Water escape from freezing pipes, unless certain conditions of the policy are met
• Sewer backup (you may purchase this coverage separately)
• Flood or Overland Water (you may also purchase this coverage separately)
• Rain entering through an open window or door

Note that insurance is not a maintenance contract.  It's not designed to respond to water damage caused by gradual wear or tear, lack of maintenance or a continual event.  Examples of these would be:

• Leaking faucets or pipes causing damage to walls, ceilings or floors.
• Leakage and seepage through the basement walls or foundation
• An aging roof that is deteriorating, showing signs of wear and needs to be  repaired
• Mold, rot or corrosion
• Losses resulting from a general physical deterioration of the structure

Homeowners may think that since they are seeing the damage for the first time it should be covered, but often the damage is the result of something that has been on going over time and therefore it may not be covered.

There are a number of optional coverages that you may add to your policy in order to obtain the best water damage protection possible:

Sewer Backup.

Coverage in the event water accidently backs up from the sewer system and flows into your home

Overland Water or Surface Water.  This coverage will vary from one insurer to the next.  In general it may include damage caused by lake and river overflow, heavy rain or rapid snow melt that enters your home from a point at or above the ground surface.

Water & Sewer Lines

Coverage to repair or replace your water service and/or sewer line due to a loss resulting from a leak, break, tear, rupture or collapse of the line.

Ground Water

Damage caused by water entering your home suddenly and accidentally through a basement wall, foundation or floor.

As nobody wants a costly water damage claim we suggest the following:

• If your area is susceptible to sewer back-up, make sure your home has a back-flow valve and plugs for drains, toilets and other sewer connectors installed.
• If you don't have a sump pump, install one.  If you do have a sump pump, test it to make sure it's working.
• Have a battery backup for your sump pump.
• Store items in plastic containers or on shelving at least 12" off the basement floor
• Keep eavestroughs and downspouts clear of debris and make sure water flow is directed away from the foundation
• Finally, as simple as it sounds, make sure your lot is properly graded to direct run off away from the foundation and entranceways

Bottom line ... know what your policy covers and what your options are.  Do regular maintenance of your home every spring and fall and make any repairs needed immediately in order to avoid surprises.

Vacancy refers to the circumstance where, regardless of the presence of furnishings, all occupants have moved out with no intention of returning, or in the case of a newly constructed dwelling, no occupant has yet taken up residence.

There are a number of circumstances that lead to vacant property: tenants move out, owners vacate their property early during the sale of their home or estates become vacant after an owners passing. When it comes to vacant properties there is an increased threat of theft, vandalism, fires, slip and falls and water damage. How do you make sure that you are covered?

When your place becomes vacant:

• Make sure to contact your insurance provide 30 days in advance of the vacancy.  This will allow enough time to arrange the appropriate coverage.
• Most insurers will require a completed Vacancy Questionnaire in order to consider offering coverage.
• Most insurers will not cover a loss or damage that occurs after a dwelling has been vacant for more than 30 consecutive days.

Loss Prevention Tips for Vacant Dwellings:

• Have a competent person check the home on a daily basis
• Use automatic timers on interior lights and use motion-sensor lights on the outside
• Install a monitored alarm system for theft, water, temperature,  fire and carbon monoxide
• Turn off the water, unless it's required for a hot water heating system
• Drain the plumbing system and water appliances
• Continue routine maintenance - cut grass, collect newspapers, remove snow, and add salt to premises and attached sidewalks.
• Have the locks changed between tenants to prevent the previous tenants from re-entering.
• Disconnect all appliances

What should you do if there is an imminent threat of overland flooding?

If overland flooding is imminent shut off electricity to areas of the home that may be affected. If possible, use sand bags, install flood shields or built-up barriers for basement windows and doors.

Note: In imminent flooding situations, your safety is paramount and all evacuation orders and other official instructions should be followed.

What should you do if you have a claim?
Call us or your insurer directly using their direct phone number.  For a list of phone numbers go to our on line claim center at  http://www.lddermody.com/support/claim-centre/

Please try and mitigate as much damage as possible if it can be done safely, prior to the arrival of an adjuster or contractor.

When will you hear from a contractor?

Contractors will call customers as soon possible to set appointments.   If there is something urgent you need to share contact your insurer directly in order to obtain the contractor’s phone number.

How to dispose of debris?

It depends on what you are disposing of. Some debris can be thrown out, other materials may require special pick up, which could be arranged by the municipality if a large area has been impacted and customers should check with their municipality for these types of notices.

Remember to make a list and take pictures of everything that is damaged or thrown away (e.g. building samples such as flooring).

How do you know what is covered.

In most cases your insurer will not be able to confirm coverage over the telephone as this will take some time.

It is your responsibility to mitigate any damage. Should the loss not be covered, it will be your responsibility to repair the damages so if you don’t respond quickly, there could be coverage limitations for additional damage.

What if I need to leave my home?

Most policies have Additional Living Expenses which will pay for any necessary and reasonable increase in living expenses while your dwelling is uninhabitable as the result of an insured loss, and until you can return home safely.

Remember to retain all receipts as a result of this event and provide them to your adjuster, who will require them in order to evaluate the claim.

When you’re in the market for insurance, knowing who to turn to for advice is an important step in the journey. If you’re unsure about the difference between a broker and an agent, check out the details here before you choose the one that best suits your needs.

The broker difference

An insurance broker is an independent business person who partners with multiple companies to sell insurance. That’s good news for you, because it means a broker has access to a wide range of products, coverage options, and prices — so they’re not only able to find the best insurance for your situation, but they’ll also shop around and compare your options to get you the best bang for your buck. A broker can also find out what car insurance discounts and home insurance discounts are available from different insurance companies and help you find out if you qualify.

Another advantage of working with a broker is that they’ve spent years dealing with the customer service and claims departments at the companies they represent. When your broker is impressed enough with an insurance company to give it their stamp of approval, you know you’ll be in good hands if you ever need to make a car insurance claim or a home insurance claim.

In terms of education and training, a broker has to pass rigorous licensing exams and register with an official provincial body. A broker must also become a member of an insurance brokers association (the governing body that oversees brokers in each province).

A licensed insurance broker can provide guidance and advice on all of your insurance needs. And best of all, they won’t charge you any fees for their services or expertise — a broker is paid by the companies they partner with.

The agent experience

The major difference between a broker and an agent is that an agent only represents one insurance company. This has both advantages and drawbacks for you as a customer.

Undoubtedly, the biggest perk is that an agent likely knows their products inside and out, so they can usually explain the nuances of any policy in detail. On the other hand, an agent doesn’t have as wide a range of products to draw from as a broker does, which limits your coverage options and price points. And while an agent does have to get a licence from a separate provincial body, they aren’t required to complete as many courses as brokers.

As far as payment goes, an agent won’t charge you a fee to recommend a policy to meet your needs, either; their expertise is also paid for by the company they represent.

The choice is yours

Whether you choose to talk with a broker or an agent about buying car or home insurance, keep in mind that the choice is yours and you’re free to gather as many quotes as you want. And since you’ll be insuring some pretty valuable assets, learning as much as possible before you decide is always your best bet.

If you have a new home or vehicle to insure — or if you’re thinking about shopping around before renewing your current policy — a licensed insurance broker can help.

This article was originally posted on economical.com.

From finding the perfect clients to childproofing your home before you open your doors, there’s a lot to think about when you’re planning on opening a home daycare — don’t let insurance fall through the cracks.

We’ve got answers to some of the most common questions about insurance for home daycares. Specific coverages can vary by location and by insurer, so reach out to your group’s broker to find out what kind of coverage is available to you.

Will my current home insurance policy cover my daycare, too?

A home daycare (no matter how small) is considered a business, and businesses typically aren’t covered by regular home insurance policies. Some insurance companies will allow you to add an endorsement to your existing home insurance policy to cover your daycare business, while others may require you to purchase a separate policy — and some companies won’t insure daycares at all, or may only insure daycares that meet specific requirements. Ask your group’s broker about babysitting or daycare add-ons, but know that you may need to purchase a separate business policy (or even look for a new insurance company if your current provider won’t cover your daycare).

Why do I need insurance for my home daycare?

It’s (almost) all about liability. Whenever you’re inviting other people into your home — especially kids, who are more prone to accidents than adults — liability is your greatest risk. What if little Leo slips and breaks his ankle on your snowy sidewalk? What if your dog chews a hole in Diana’s designer diaper bag? While you might not think you need extra coverage for your physical space, it’s important to make sure you have enough liability coverage to protect you if you’re held responsible for an injury or damage to someone else’s property.

Some policies may also cover business property (like supplies you’ve purchased specifically for your home daycare) or loss of income if your home is damaged and you are unable to provide care while your home is being repaired. This is important if your home daycare is a major source of income for your family.

How do local childcare laws and licensing affect my eligibility for insurance coverage?

You may be legally required to get a licence before you can care for other peoples’ children in your own home, so look into your local and provincial laws to find out what’s required. With or without a licence, it’s important to understand that your insurance company might have different rules than your local government (e.g., the maximum number of children you’re allowed to care for may be lower, or different home safety procedures may be required). Simply adhering to your local laws doesn’t necessarily guarantee your daycare will qualify for coverage.

Before you open any kind of home-based business, be sure to reach out to your group’s broker to find out how your business plans will affect your eligibility for insurance and the cost of your coverage.

This article was originally posted on economical.com

We have been experiencing more clients forgetting to renew their driver’s licence for various reasons.  This can have dire consequences, especially when it comes to your automobile insurance.  If you do not have a valid driver’s licence you do not have car insurance. 

The Ontario automobile policy only provides coverage for those drivers who are properly licenced.  If a person’s driver’s licence has been suspended, lapsed or not renewed they would be considered as unlicenced and there would be no insurance coverage available

It’s understandable that you may miss your renewal date given that it only comes around every five years and you only get one renewal notice from the Ministry of Transportation.  But, and this is a big but, it’s your responsibility for ensuring that your licence is valid at all times.

  

• Flooding is rapidly becoming the number one property threat.
• Toronto’s flood of July 2013 was at that time Ontario’s most costly natural disaster causing more than $850 million in damage.
• In September 2016 Windsor, Ont. area suffered damage of more than $25 million after a storm dumped 200 millimeters of rain in just 15 hours.

• Flood coverage, referred to as “overland water” in the industry, is available for homeowners in Ontario.
• Insurers started offering overland water coverage back in 2015 with many more offering it in  2016.
• Overland water coverage widely varies between companies. Some insurers have maintained the distinction between different types of water coverage, while others have gone with a more comprehensive offering.
• There are many different limits of coverage, deductibles and definitions.
• A common definition of overland water is “fresh water from rivers, lakes or water accumulated as a result of heavy rainfall”.
• In many cases you need to purchase sewer backup coverage in order to be able to purchase overland water.
• Overland water coverage cannot be purchased in some high risk areas.

Is it really possible to protect your home from flooding?

There are many things that can be done to help protect your home such as:

• Point downspouts away from the house foundation.
• Make sure that the grading around the house slopes away from it.
• Make sure sump pumps are working and that you have a backup in case the power goes out.
• Make use of a backflow prevention valve.
• Take valuables out of the basement.
• Make sure that catch basin’s near the house are not blocked.

Thank you for reading and keep dry.   

The L.D. Dermody Insurance Team.

Do you drive a snowmobile, motorcycle, all-terrain vehicle, classic vehicle, boat or similar seasonal vehicle?  If so, then it’s good to understand the nuances of the coverage

A regular car insurance policy’s annual premium is considered earned evenly throughout the year.  Therefore if the policy were to be cancelled half way through its term, only half the premium would be earned and the other half would be returned, assuming no cancellation charges.

This is not the case for seasonal vehicles.  The annual premium for these vehicles is normally earned during the entire season they are in use. For snowmobiles this would be during the winter, for motorcycles this would be during the summer.  Knowing this will help you to avoid any surprises such as cancelling the coverage on your seasonal vehicle during its off season and not getting any premium back. 

The reason these insurance policies are structured this way is to help encourage leaving coverage in place for the entire year rather than constantly canceling and reinstating them during the on and off seasons. 

 A typical earned premium chart may look like the following

Here are some things to keep in mind:

• Beware of the timing of coverage and the seasonal use.  For the first time in adding a seasonal vehicle to an existing policy you may be faced with the cost of the majority of the premium for the season, and then faced with the cost all over again if that policy renews shortly after the season.
• Ask the insurance company about how their seasonal polices work. They vary from company to company.
• Always advise your insurance provider of coverage changes well in advance.

For many commercial property and business insurance policies, Co-Insurance is a fundamental principal of your contracted coverage. It is important you understand how it works because in essence the clause imposes a penalty in event that you are underinsured.

With Co-Insurance, you agree to maintain coverage up to a percentage of the value of the property you wish to insure, typically 80%, 90% or 100%. This percentage is stated on your policy form. As a result of this promise, a significant reduction in the premium charged is given.

In the event a total loss occurs, the Co-Insurance requirement is waived and the policy limits are paid. However, should a partial loss occur, consideration is given to the amount of insurance carried compared to the value of the property prior to the loss.

If the amount of insurance is within the agreed Co-Insurance percentage requirement, the loss is paid in full, up to the policy limits. If however, the amount of insurance carried is below the agreed percentage, you and the Company then share the loss.

EXAMPLE: Assume the value of the property you are insuring costs $100,000 to replace and the policy contains a 90% Co-Insurance clause. This means you should be carrying at least $90,000 of coverage. If you only carried $60,000 of coverage and had a loss of $30,000, the Insurance Company would pay based on the following formula:

-        what you did insure for                   X    the amount of claim = Paid Loss

-        what you should have insured for                        

- $60,000 X $30,000    =    $22,500

             90,000

This example shows that only $22,500 of the $30,000 claim would be paid due to under-insurance.  You would have to contribute $7,500 of your own money (in this example) to get back in the same place as before the loss. All the more reason to make sure that your policy limits are adequate.

Don’t let this happen to you. Talk to one of our insurance specialist today.

• There are new lower standard accident benefits.
• For most injuries, the combined limit of $86,000 for medical, rehabilitation and attendant care is dropping to $65,000.
• For catastrophic injuries the $2 million combined limit for medical, rehabilitation attendant care is dropping to $1 million.
• The good news is that there are more options to purchase additional coverage to make up for these reductions.

• You do not have any other medical insurance plan and would be relying on your car insurance policy as your primary form of coverage.
• You’re a primary caregiver of young children, elderly parents or disabled family members.
• You’re responsible for housekeeping or home maintenance.
• You earn more than $30,000 a year.
• You’re a snowbird.
• You have a pre-existing injury that requires regular treatments like physiotherapy or massage.

• If you suffer a catastrophic injury from a car accident (loss of limb, para/quadriplegic, brain injury) the new standard benefit of $1 million for medical, rehabilitation and attendant care expenses will likely not be enough.
• The cost of treatment, care and inability to go back to work is often well over $2 million for severe injuries.
• Not only does Third Party Liability coverage protect the owner and driver of the car from their personal liability in an accident but it also can kick in if an insured person is also injured in an accident under the Family Protection Coverage (OPCF 44).
• Spending a few dollars more a month for optional accident benefits coverage and extra third-party liability coverage can save a lot of stress and heartache when an accident happens.

1. Take a Personal Inventory

• Do you understand that amount of time it will take to run the business?
• Are you confident that you have a good product, service or business model?
• Do you have the management, accounting and marketing skills to run a business?
• Do you have a strong business network for support?
• Are you afraid of failure?

2. Decide How You Will Structure Your Company

Sole proprietorship

• You are the sole owner
• Easy and inexpensive to form
• low cost to start your business
• Lowest amount of red tape
• Low working capital required to start
• The profits are all yours

• Unlimited liability and your personal asset would be at risk
• Lack of continuity for your business

Partnership

• As with a sole proprietorship it’s easy to start up
• Start-up costs would be shared equally with a partner
• Equal responsibilities in the managing of the business
• Equal split  of the profits and assets

• No legal distinction between the business and you
• Unlimited personal liability
• Difficult to find a  partner that you can work with and trust
• Conflict between you and your partner could be difficult to resolve
• You are held financially responsible for business decisions made by your partner

Corporation

• Limited liability helping to protect personal assets
• Ownership is transferable
• Continuous existence
• Is treated as a separate legal entity
• Easier to raise large amounts of capital

• More Regulations
• More expensive to operate
• A greater degree of corporate records required
• Possible conflict between shareholders and directors

3. Expand on Your Business Idea

• What products or service will you offer?
• Who is your target customer?
• Who are your competitors and how many are there?
• Who are the key suppliers?
• What will differentiate you from your competitors?

4. Understanding your Future Customer

5. Create a Budget

6. Understand Business Regulations and Liability Risks.

7. Talk to your Insurance Broker

8. Develop a Business Plan

• Shut off the water supply and  drain all the water from the system including pipes and appliances
• Make arrangements for a competent person to enter your home daily to ensure that the heat is being maintained.

• Insulate pipes that run along the exterior wall of your home or are located in unheated areas with insulation sleeves.  This also includes drain lines. Look for vulnerable pipes in the basement, attic, garage, and crawl spaces. Beware that insulation alone does not always prevent freezing.
• Use either heater tape, wrapped around pipes or in-pipe heating cable.
• In extreme cold temperatures, or if the electrical power is lost, let water drip slowly from faucets connected to at risk pipes.
• Always disconnect your water hose from the outside faucet before the temperature drops below freezing.

Checklist

Outside Your Home

• Walk around your home looking for any storm damage.  Winter can be hard on roofs, chimneys eaves troughs and downspouts.
• Repair any damage that you see, including cracks or storm damage
• Check the roof.  You don’t need to climb onto it but should be able to see if there are any shingles missing, if the chimney is still in good condition etc.
• Check the exterior walls looking for any missing siding, damaged brick or water stains.  There are areas that will need attention.
• Clean out and repair eaves troughs and downspouts
• Ensure downspouts extend from your home by at least six feet or set up a rain barrel to catch water runoff
• Repair driveways, walkways, patio deterioration and seal cracks
• Paint or stain exterior trim, fences and decks as needed
• Find and seal any foundation, crawlspace, or basement cracks, seepage or leaks
• Check all the windows paying close attention to the caulking and weather stripping. A tight seal is the first line of defense against water entering into your home.
• Wash and repair holes in window and door screens. 
• Ensure the soil around your home slopes away from the foundation

Inside Your Home

• Check the air conditioning.  Just as you made sure that your furnace was ready for the winter it’s equally important to make sure that the air conditioning is ready for the summer.  Change the filter and check the hoses for any leaks.
• Inspect the attic for signs of roof leaks and mold.  Mold will often look like gray or black blotches or staining.
• Inspect the washing machine and dishwasher hoses and clean the filters
• Check the basement walls for any dampness and cracks.
• Check the float of your sump pump to ensure it’s clean and moving freely by slowly pouring water into the sump tank
• Check that the battery of your sump pump is in good condition by running the sump pump a second time with the power off
• Leaks.  It’s a good time to check for any leaky faucets through the house.  Check under the bathroom and kitchen sinks to make sure that they are properly sealed and that there are no signs of leakage.

WHAT CAUSES WATER DAMAGE?

• Weather generated water, such as rain, melting snow or ice, that seeps through walls and around openings.
• Poor maintenance or failure of water-proofing of external walls.
• Snow build up on roofs and poor attic insulation may lead to ice damming and leakage of water into attics and along walls all the way into basements.
• Freezing temperature in unheated spaces or loss of heat can cause water pipes to freeze, rupture and leak when temperature rises.
• Weight of snow and ice build up can lead to collapse of roofs

MAINTENANCE TIPS

• Assess glazing, weather-stripping, door and window seals, and other exterior elements for damage.
• Look for water stains around windows and doors, and repair or replace weather barriers, if necessary. This crucial point of water access is often poorly installed during home construction.
• Repair or replace caulking around windows and doors to make water-tight.
• Check that exterior siding is not missing screws, which can create openings for water.
• Keep any source of water, such as snow, away from your home’s exterior walls.
• Shut off exterior water faucets during the winter to prevent it from freezing.
• Hire a professional to remove accumulated snow on roof.
• Ensure proper insulation and ventilation of attic (this is the most effective way to prevent ice damming – if the roof is kept cold, snow will not melt and re-freeze).

• Don’t use your phone.  There is no call that is too important that it can’t wait until you are safely stopped.  Studies have shown that even hands-free conversations can be distracting.   Stop the temptation to use the phone by turning it off or putting it on silence or airplane mode.   If you must call someone make sure to pull over to a safe location such as a rest area or gas station.
• Know where you’re going and program your GPS if you have one.  There is no excuse to not know where you are going.  With the internet it is very simple to print out a route along with maps that can be reviewed before heading out on your trip.  While traveling, if needed, pull off the road to review the route.   If you have a GPS make sure to program in the destination before leaving the driveway.  Make sure that the GPS is located in a spot so that you do not need to take your eyes off the road.
• Know your car before you start.   Know where the controls and dials are located in your car before you head out.  Check the wiper blades, wiper fluid and of course, clean the windshield.  Set the interior temperature to a comfortable setting so that you do not have to fiddle with the controls while driving.
• Prepare your music.  A few seconds of taking your eyes off the road can have severe consequences so you do not want to be fiddling with the radio dial trying to find the right station.   Set your radio preset buttons and use the "Seek" function rather than pressing random buttons.
• Don’t eat while driving.  It is surprising how distracting eating can be while driving. Pulling packaging off, holding it in one hand or  just the simple motion of bringing the food to your mouth.  Even the best drivers cannot avoid looking down when something spills onto their lap. 

• The deductibles will normally match those on your policy for  collision and comprehensive damage.
• The limit on your policy refers to Canadian Funds
• This coverage only extends for a period of thirty days for any  one specific vehicle.
• The rental contract must be in writing
• Only the listed drivers on your policy are covered to drive the rental vehicle
• The vehicle must be a private passenger type

• Remove snow from your roof after every storm. To begin with, use a roof rake to clear snow from the edge of your roof upwards of three to four feet immediately after each storm. In addition to helping prevent an ice dam from forming, this will lessen the stress on your home’s roof. The amount of snow and ice your roof can support will depend on a number of factors, including the roof type and the age and condition of the structure. But a good rule to keep in mind is if more than a foot of heavy, wet snow and ice has accumulated on your roof, you should have it removed.
• Clear downspouts. An easy way to help snow and ice drain off your roof is to make sure the area around your downspouts is clear. This can help prevent standing water from collecting near the gutter downspout.

• Look carefully at the icicles around the exterior of your house. If they are confined to the gutters and there is no water trapped behind them, then an ice dam has likely not formed. Nonetheless, icicles can pose a danger to people when they fall off, so try to safely knock them down while standing on the ground, making sure not to stand directly beneath them. If you cannot safely reach them from the ground, consider hiring a contractor to help.
• Check for water stains or moisture in the attic or around the tops of exterior walls on the top floor of your house. Stains and moisture may indicate that an ice dam has formed and water has penetrated the roof membrane.

• Melt the ice dam. Fill a nylon stocking with calcium chloride ice melt, and place it vertically across the ice dam so that it melts a channel through the dam. If you try this, make sure you can safely position the ice melt on your roof, and make sure to use calcium chloride, not rock salt. Rock salt will damage your roof. Also, be aware that shrubbery and plants near the gutters or downspouts may be damaged.
• Get professional help. If you cannot safely reach the roof, avoid using a ladder in snowy and icy conditions. Consider hiring a contractor to remove the ice dam.

• Insulate your attic. Make sure your attic is well insulated to help prevent the melting-and-freezing cycle that causes ice dams to form. Check and seal places where warm air could leak from your house to the attic, including vent pipes, exhaust fans, chimneys, attic hatches and light fixtures.
• Install a water-repellent membrane. When replacing a roof, make sure to install a water repellent membrane underneath the shingles. This acts as an extra barrier that helps prevent water from seeping inside the building

• shovel
• sand or kitty litter
• traction mats
• tow chain
• compass
• warning light, road flares or reflectors
• extra clothing and footwear
• emergency food pack
• First aid kit
• matches and a “survival” candle in a deep can (to warm hands, heat a drink or use as an emergency light)
• booster cables
• extra windshield washer fluid
• Blanket
• Flashlight

• Ensure that pipes near your home’s exterior are well insulated;
• Make sure that any holes in your home’s exterior are sealed (e.g. cable lines, phone lines, etc.) to reduce the potential for the cold weather coming in to cause havoc with your pipes;
• If you have any unheated spaces in your home, keep a slow trickle of water flowing from faucets.
• Test plumbing shut-off valves to ensure they are working and to prevent them from seizing.

• Shovel snow away from the house, especially basement windows and doors.
• Check your property for obstructions that could prevent melting snow from draining away from the house. Clear a path for the water.
• Check catch basins on the street to ensure they are not obstructed.

• When using fireplaces, stoves or space heaters, ensure there is proper ventilation. Keep flammable material away from space heaters and do not overload electric circuits.
• Have your heating system serviced. Furnaces, boilers and chimneys should be serviced at least once a year to prevent fire and smoke damage.
• Ensure tree and shrub branches are well away from the house and windows. Icy conditions can cause branches to break and damage your home.
• Keep snow clear of oil tanks, gas meters, gas appliance vents, exhaust vents, basement windows and chimneys.
• Shovel and put sand or salt on icy walkways. If someone slips and falls on your icy steps, you may be held liable for their injuries.

1. Is the basement dry? 

2. What is the age of the hot water heater?

3. Is there a potential for a pipe burst due to freezing?

4. Are the gutters and downspouts clear of debris?

5. Have you visually inspected the roof shingles, overhangs, wood siding and windowsills?

6. Is the property properly graded? 

7. Are there stains on the ceiling, walls and floors? 

8. What is the condition of the plumbing fixtures?

9. Are the “details” in the home well maintained?

10. What is the condition of the water-bearing appliances and their connections?

• Trim trees and remove dead branches so they do not damage your home or injure someone if they fall.
• Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season. Consider impact-resistant roofing material if you live in a hail-prone area and are planning to build or replace the roof on your home.
• Add extra insulation in the attic to guard against ice dams. If too much heat escapes, it can melt the ice and snow on the roof. When it refreezes, it can cause an ice dam, which can lead to water damage inside your home.
• Check the flashing on the roof to make sure it is in good condition to help prevent water penetration.
• Inspect your roof regularly for maintenance issues that could make it more susceptible to hail and other damage, including surface bubbles and areas with missing gravel on flat roofs, or missing or damaged shingles or tiles on sloped roofs.

On a warm summers evening, by the water's edge nothing beats roasted marshmallows and scary ghost stories around a crackling fire.  A long tradition at the cottage or while away camping.  This seemingly harmless tradition can turn quickly into a tragedy if certain precautions are not taken.   We had this happen to one of our clients.    Their 13 year old son sprayed their camp fire with insect repellant hoping to help the fire spread faster.  Unfortunately the can fell into the fire, exploded and burnt the sons friend who was standing nearby.  Badly burned, the friend had a long stay in the hospital.  Our clients had the emotional trauma of seeing their friend hurt and eventually were faced with a million dollar lawsuit.
 
     Keep these points in mind to help minimize campfire dangers.

• Never build a campfire on a windy day.  Sparks and embers can travel quite a distance and could set an unintentional fire.
• Learn how to safely start a fire without the use of flammable liquids including gasoline, diesel fuel and lighter fuel.
• Never spray flammable liquids on a fire.
• Always use a fire pit or build a circle of rocks around you fire to keep it from spreading.
• Most provincial parks provide a metal fire pit on each campsite.
• Don't make your fire too big and keep a 6-10 foot clearance around it.
• Do not start a fire under low hanging branches.  If you are permitted to, trim the branches around the fire before lighting.
• Don't keep spare firewood too close to the fire - make sure it is upwind and far enough away so sparks don't fly into it.
• Keep children and pets away from the fire and never leave them unsupervised.  Teach children how to stop, drop and roll if their clothing catches on fire.
• Make sure your camping gear is set up far enough away from the campfire.
• Always make sure you can put out your fire if it gets out of hand.  Keep water, a shovel or a fire extinguisher nearby.  Finally, make sure your fire is completely out before leaving it.

 
All it takes is one spark for things to go wrong.  An abandoned campfire or one build without save clearance can turn a small fire into a dangerous and fast moving blaze.  Be fire smart and stay safe.

It wasn’t too long ago that families enjoyed summer living at their rustic cottage.  Wood frame dwellings, sitting on the ground or blocks, with screen doors that usually didn’t keep the mosquitoes out.  Using the bathroom usually meant running to the outhouse.    Water carried up from the shore because there was no plumbing.   Reading books by lantern because there was no electricity. Meals cooked over campfires followed by an evening of songs and guitar playing around that same campfire.

 Today when people plan a weekend or vacation at the family cottage, it is much different.  Simple “get-away” locations have turned into much more.  Fully winterized properties, used year round with modern kitchens, appliances, electronics, hot tubs and more.  Garages containing boats, personal water crafts, ATV’s and snowmobiles.

If this sounds familiar you need to ask yourself… “has my insurance coverage kept pace with the changes to the cottage?”

For many cottage owners, improvements, renovations and additions have taken place over several years.  With each upgrade, have come new furniture, electronics and other personal property. 

Take a moment and consider these questions.

• Can your cottage be rebuilt for the amount you have it insured for now?
• Are there now multiple buildings that need to be insured? Many properties have a boathouse, sheds, additional ‘bunkies’ or sleeping cabins on the grounds.
• In the event of a total loss, do you have enough contents coverage?
• Are you insured for vandalism, theft or bear damage?
• Are your boats, watercrafts, ATV’s and other toys covered?

Many cottages are protected under basic coverage.  Broader coverage is available for seasonal homes occupied year round. 

Some unique concerns of cottages are:

• Many are uninhabited for months at a time, and may not have anyone around to check on them periodically.
• Many properties are surrounded by trees that are susceptible to gusts of wind. It’s almost a yearly tradition when arriving at the cottage for the first time in the spring to have a look around at what trees have come down during the winter, hoping none have hit any of the buildings.
• Snow accumulation on the roof during the winter.  Especially if the winter was long, cold and full of snow.
• Plumbing issues. If the pipes are not properly drained in the fall, the spring can be a full of repairs.
• Damage from animals that have made your cottage their full-time home over the winter months.

Call us to review your cottage coverage needs and we’ll make sure that you get the coverage that is right for you!