Noticed your car insurance premium creeping up, even with a clean record? You’re not alone. Learn the top reasons Ontario drivers are seeing higher rates and how a broker can help you save.

L.D. Dermody Insurance Brokers uses Applied ezITV to deliver faster, data-driven dwelling replacement cost evaluations for Ontario homeowners.

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

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

 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

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

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