Homeowners Beware: Common Infestation and Animal Damage Exclusions
November 20, 2025
wildlife is a pleasure to experience — but not inside your home. Animals can move into your attic, walls, chimney or other nooks and crannies. Dealing with their waste, unpleasant smells and damage is frustrating (and potentially expensive).
Most homeowners insurance expressly excludes damage from: Birds Rodents Insects
Even if your problem doesn’t fit into one of...
Check Your Homeowners Insurance Before You Become a Home-Sharing Host
November 10, 2025
Are you offering your home on a home-sharing service? Most home-sharing and host services make renting out your house easy. They even offer $1 million in insurance coverage as part of their service. Like most people, you might ask yourself why you’d need more than $1 million in insurance.
It’s not the coverage amount as much...
9 Important Tips For Staying Safe with Space Heaters
November 7, 2025
Did You Know?
Supplemental heating equipment, such as space heaters, is a leading cause of home fires in Canada from December through February. If you plan on using a space heater for some additional warmth this winter, keep the following safety precautions in mind.
Tips to Keep Safe Do not use space heaters to warm bedding, thaw...
10 Tips for Better Mental Health
October 10, 2025
People tend to think of physical and mental health as distinct, but they’re not. Physical and mental health are so interconnected that you can’t have one without the other. For example, poor mental health is linked to diabetes, heart disease and stroke, according to Health Canada. There’s also growing evidence linking psychological problems with autoimmune...
6 Tips for Expanding Your Business Footprint
September 5, 2025
The past few years have been tough for many businesses, with most just trying to keep their doors open.
Other businesses manage to thrive in spite of tough market conditions. If your company is one of these, you may now be looking to grow or expand your business footprint. Whether you are opening new locations, offering new...
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...
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...
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...
