It’s your student’s first year away at school and your busy picking up school supplies, furniture, clothing among other things.  You’ve arranged the moving van and your student moves into their new place in a couple of weeks.  The only thing that you have not thought about is insurance.  Why would you? 

The Ontario Roads Safer Act in now in effect in Ontario.  As of today, September 1st, the fines and penalties have increased for distracted driving, dooring, failing to share the road, failing to obey the “move over” law and failure to have proper brake lights.  Distracted Driving   Distracted driving remains a real

If you are considering opening your own business, but are not quite sure how to get it up and running, the following steps will help get you started on the road to success.   Take a Personal Inventory   Are your ready to be your own boss?  The benefits of being in charge are obvious, but have you considered the risks?  By

In general, water damage from a burst pipe inside your home will be covered by a standard homeowners' insurance policy. But, and this is a big but, during the winter (normal heating season) there are certain steps that you need to take in order to maintain the coverage.   During this time if you leave the house for more than 96

Water damage continues to be the highest source of claims cost to home insurers in Ontario.  The more everyone can do to prevent water damage the better. No one wants to deal with a messy water damage claim, and fewer claims means lower home insurance cost for everyone.  Please use the following Spring Checklist as a start towards

Distracted driving has become a very serious issue.   In the U.S. federal research indicates that about 11 percent of all highway deaths are the result of distracted driving.   For teenagers the statistics are even more startling as 6 out of 10 accidents are the result of driver distraction.  In Ontario distracted

Finally!!  The long cold winter weather is behind us and spring break is here! Here are a few tips to ensure a safe vacation for those crossing the border. Whether you're in a rental car or driving your own vehicle, there are measures you can take to ensure the trip is safe and enjoyable. Don’t forget that  all passengers in your

You can help prevent serious damage to both the roof and inside of your home by minimizing the likelihood that an ice dam will develop, and by removing one as soon as you spot it. Ice dams can form when water from melting snow re-freezes at the edge of your roofline. Without roof snow removal, an ice dam may grow large enough to prevent water

At L.D. Dermody Insurance Brokers we want to make sure that everyone has a safe and wonderful holiday season.  We have accumulated a number of safety tips related to winter driving.   Some advance preparation and common sense can go a long way towards helping prevent a costly disaster.  Prepare your vehicle for the winter