Snowmobiling is a popular winter recreational activity in Ontario; in some northern communities, people use the snowmobile for the vital transport of supplies. Higher insurance premiums, however, may be causing many riders to park their snowmobiles, or cut back on their riding, especially over the past five years. Another insurance obstacle that can face snowmobile [&hel more...

We’ve all heard about the growing problem of automobile insurance fraud in Ontario (and around Canada).  The stories where there will be a fender bender and suddenly 7 people climb out of a van with whiplash, unable to return to work for months, requiring medical and rehabilitation benefits, and more.  It’s common in some areas [&hel more...

The season of winter driving is upon us, and by now you’ve probably had your tires (all four of them) changed to snow tires, or winter tires as they are also known. For winter driving in some places all season tires can be great, sure… but this is Canada! It is recommended by many driving experts [&hel more...

Even if you diligently put on snow tires and abstain from risky behaviour like driving on frozen lakes or rivers you still can’t avoid changing weather conditions – and for that reason, many drivers avoid the roads in winter. About a quarter of Canadian motorists don’t drive when roads are slippery with ice or snow [&hel more...

There’s a chill in the air, and as you walk your dog around the neighbourhood you catch the woodsy whiff of someone’s active chimney… It’s WETT weather alright. The Wood Energy Technology Training program provides WETT Certification to tradespeople who install and inspect wood burning sources of heat, and those professionals who perform maintenance such [&hel more...

You buy a new home and while you’re packing for the move, you find out the deal fell through on the other end. You’re so busy dealing with your bank and realtor to fix the mess, you forgot an important aspect… your homeowners insurance coverage. That’s right, you’re still on the hook for insuring your [&hel more...

You might be shocked to learn that both the average cost and the rate of increase in the costs of auto insurance claims is dramatically higher in our province than the rest of Canada. The average cost of automobile accident injury claims in Ontario is about five times higher – $56,000 – than the average [&hel more...

In an increasingly litigious society, businesses need to make sure they carry protection against their legal liability.  One area that is seeing an increase in claims is Employment Practices Liability (EPL for short).  EPL pertains to situations in the workplace where there is an alleged discrimination, harassment or other mistreatment (wrongful dismissal, misrepresentation, wrongful demotion, [&hel more...

Most businesses will carry a Commercial General Liability policy to protect the owners/shareholders in the event of a lawsuit from an insured loss.  A Commercial General Liability policy can help protect businesses from situations such as where a customer is injured on their premises. But what about employees?  Many classes of business are required by [&hel more...

It’s the time of year when university and college students are gearing up to move away from home in the pursuit of higher education.  In all the hustle and bustle of packing and getting ready to move you shouldn’t overlook your insurance policy. While your child is away at university your homeowners policy may provide [&hel more...