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Why You Need Overland Water Coverage for Your Home

Why You Need Overland Water Coverage for Your Home

Why You Need Overland Water Coverage for Your Home Floods are the second most common natural disaster in Canada, occurring five times as often as wildfires. Just a few centimetres of water from flooding can cause costly, irreversible damage to your home. When it comes to protecting homes from floods, most property owners assume their home insurance policies will provide adequate coverage. This is often not the case, making dedicated protection in the form of overland flood insurance a must. What is Overland Flooding? Overland flooding is defined as floodwaters that flow from an outside source or body of water onto dry land, causing water damage. The two most likely causes of overland flooding include snowmelt and rainstorms. Overland flood insurance covers flooding from surface water accumulation as well as from bodies of water, such as lakes, rivers or streams….read more →

Ways To Save On Your Auto Insurance With Discounts

Ways To Save On Your Auto Insurance With Discounts

Ways To Save On Your Auto Insurance With Discounts Everyone loves a good discount! It’s a great way to lower what you pay for your auto insurance coverage. But are you getting all the auto insurance discounts available? Shop around and compare auto insurance quotes today to see how much more you could be saving with these popular discounts. Multi-vehicle discount If there’s more than one vehicle in your household, you may qualify for a break on your premiums, typically about 15 percent, as long as you insure all your automobiles through the same company. Bundle your policies for a multi-line discount If you insure your home (or condo/apartment) with the same company that insures your vehicle, you’ll likely save 15 to 20 percent. Roadside assistance Belonging to a roadside assistance program has many perks, including a chance to lower your…read more →

Live Well, Work Well – March 2019

Live Well, Work Well – March 2019

In this month’s newsletter, you’ll read about alleviating spring allergies. In addition, you’ll learn when you should give your body a break from exercising. Don’t Let Spring Allergies Bring You Down Millions of Canadians suffer from allergies every year. In particular, springtime allergies are an annual nuisance for many people. As plants begin to bloom and neighbours start to cut their grass more frequently, allergy sufferers nationwide start sniffling and sneezing. What’s more, mould growth blooms both indoors and outdoors, making it almost impossible to escape allergy triggers. Spring Allergy Alleviation Tips To reduce your allergies, be sure to take the following steps: Stay indoors on dry, windy days. Avoid chores—including lawn mowing, weed pulling and gardening—that could expose you to common allergens. Avoid hanging laundry outside to dry as pollen can stick to certain fabrics. Check pollen levels regularly….read more →

Benefit Connection – OHIP+ Is Changing April 1, 2019

Benefit Connection – OHIP+ Is Changing April 1, 2019

OHIP+ Is Changing April 1st, 2019 The changes affect OHIP-insured children and youth aged 24 and under, including those: without a private plan, who will remain eligible for OHIP+ without co-payments or deductibles with a private plan, who will no longer be eligible for OHIP+ and will access prescribed medicines through their private plan OHIP+ makes more than 4,400 drug products free for anyone age 24 years or younger. You don’t need to enroll – all you need is a health card number and an eligible prescription. Who is covered All babies, children and youth age 24 years and under who have OHIP coverage are automatically covered by OHIP+: Children and Youth Pharmacare. You do not have to enroll or register to access OHIP+ – coverage is automatic. OHIP+ coverage will stop on your 25th birthday, but you may qualify…read more →

International Insurance Newsletter | March 2019 Edition

International Insurance Newsletter | March 2019 Edition

International Insurance Newsletter | March 2019 Edition Recent Successes: Placed Yacht & Pleasure Craft insurance including hull & equipment coverage as well as a high limit of liability for a yacht and jet ski being operated in the Bahamas. Arranged local issuance of an admitted Property policy as part of a controlled master program for a foreign owned joint venture company with multiple locations across Mexico Placed homeowners coverage for a luxury condominium in Costa Rica. Malaysia Malaysia has given foreign-owned insurance companies until April to outline plans to comply with local shareholding requirements. Bank Negara Malaysia, which regulates insurers, is pushing to enforce a 2009 rule that sets a 70% cap on foreign ownership of local insurance businesses. The bank is expecting insurers to come up with “concrete plans” via divestments, listings or corporate social responsibility contributions. Cutting back shareholding…read more →

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