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...
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...
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 are struggling with meeting your bill payments including your insurance bill during this difficult time contact your insurance provider. Most insurance companies are dealing with payment issues on a case-by-case basis and are committed to working with their policy holders to help find a workable solution.
Some of the notable...
A frequent question that we have had from many or our business clients is will I be covered by my business interruption coverage if I need to shut down as the result of COVID-19. For the most part the answer is no. Most Canadian Insurers use standard Insurance Bureau of Canada (IBC) wordings in which there is no coverage for...
We have had a number of customers ask us about recent changes to the impaired and distracted driving laws in Ontario for this year so in response we have put together this short summary.
Impaired Driving
With the new impaired driving laws police officers can now demand a breathalyzer test from any driver. ...
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...
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...
Wow, what a day. Heavy winds on Wednesday caused a tremendous amount of grief for many people in southern Ontario. From knocking down trees, cranes and building structures to blowing off shingles from many roofs. Tens of thousands of people were without power as hydro crews worked hard to restore downed hydro wires. The good news in all of this is that no one was seriously hurt.
