Before You Give Up on an Insurance Claim
September 5, 2025
It’s no fun receiving an insurance claim denial. But you can do a few things to help prevent or appeal a claim denial.
Know who you're talking to
Make sure you understand the difference between an independent insurance brokerage and an insurance company: Your independent insurance brokerage is your advocate. Their independent brokers sell insurance policies but...
Solitude Sheds and Other Structures: Does Your Homeowners Policy Cover Them?
September 5, 2025
If you’ve decided to build a solitude shed, let your insurance broker know. Sure, it might seem counterintuitive to tell others about your secret hideout. But the last thing you need is to spend your cash on a zen escape only to discover it’s not covered.
Insuring your outdoor structures, including solitude sheds
Most homeowners policies cover...
Clean Gutters Can Prevent Costly Home Damage
September 5, 2025
Gutters can be easy to overlook. But they can get clogged with decaying leaves and other organic matter, leading to damage and expensive repairs that your home insurance won’t cover.
Inspecting and cleaning your home’s gutters is crucial
Here are some top reasons gutter maintenance is a big deal for your home and budget.
Prevents roof, siding and...
When To File (or Not File) a Homeowners Claim
August 14, 2025
Home insurance premiums have been increasing, and obtaining coverage can be challenging in what's known as a "hard market."
When extreme weather and catastrophic events put demands on the insurance industry, this reflects in premiums and renewals. Insurance companies take on less risk and increase their rates to keep pace with rising claims, litigation and higher...
What Is Professional Liability Insurance?
July 24, 2025
Professional liability insurance is commonly purchased by professionals and service providers to protect against claims of financial loss due to a failure to meet their profession’s standard of care.
Professional liability, also referred to as errors and omissions insurance, typically covers negligence, errors, omissions, and other mistakes you may make that could financially harm a client....
What Are Some Common Exclusions On Commercial Policies?
July 10, 2025
While today’s commercial insurance policies provide broad coverage, all policies contain exclusions — things the insurer doesn’t cover under that particular policy. But this doesn’t mean you cannot obtain coverage. You usually can through a separate policy designed specifically for that risk.
Let’s look at some common exclusions.
Wear and tear
Most commercial property policies exclude losses that...
Top 5 Risks That Contractors Face
June 5, 2025
Construction firms face many risks: worksite injuries, skilled labour shortages, cash flow problems, contract disputes, job site theft, defects in workmanship and material, weather delays and supply interruptions, to name just a few.
One study found that construction companies have the lowest survival rate of any type of startup. Only 36.4% were still in business after...
Cyber Bytes: Top Text Scams and Tips To Avoid Them
April 30, 2025
According to the Canadian Anti-Fraud Centre (CAFC), Canadians reported 5 395 text messages and $24 million in text scam losses in 2024.
Exploiting your responsiveness to texts
Texts are far more likely to be responded to than calls or emails. The Federal Trade Commission (FTC) found, in its Report on the State of Text Messaging, that American...
The Dangers of Lawn Chemicals
April 18, 2025
Many homeowners use chemicals that feed grass and kill weeds and bugs. These chemicals are specifically designed to be lethal, so you need to take safety measures to protect yourself, your family, your pets and your neighbors whenever you're treating your lawn or garden.
When used correctly, lawn chemicals do not pose any serious harm. Knowing...
