Personal Insurance

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance?

Who needs Personal Umbrella Liability Insurance? You do. Accidents happen and we all need to be prepared. The standard liability limits on insurance policies range between $1,000,000 and $2,000,000, but is that enough if you are sued? Personal Umbrella Liability insurance increases the liability limits for all of your underlying personal insurance and works to protect against events that could impact a substantial portion of your future earnings and assets. Legal awards and expenses can escalate quickly and what appears to be a minor incident could develop into a major lawsuit. A Personal Umbrella policy not only pays the court awarded amount up to the limit of coverage purchased, but covers the legal costs in addition to those awards. Personal Umbrella insurance also provides additional coverage that is typically not included on other personal insurance policies, such as coverage for…read more →

Simple Ways To Prevent Identity Theft

Simple Ways To Prevent Identity Theft

“Identity theft” is just what it sounds like; it’s the process of stealing someone else’s personal information (or their identity) for financial gain. From drained bank accounts to poor credit ratings and even legal issues, identity theft can have some serious implications. Outsmart fraudsters by understanding the kinds of information they’re looking for and some simple steps you can take to prevent identity theft. Identity thieves are looking for as much personal information as they can find, but according to the RCMP , they’re especially interested in your: full name date of birth Social Insurance Number (SIN) full address mother’s maiden name online usernames and passwords driver’s licence number personal identification numbers (PINs) credit card information bank account numbers signature passport number     To protect your private information and prevent identity theft, keep these tips in mind: Keep track…read more →

Personal Insurance Newsletter | November 2018

Personal Insurance Newsletter | November 2018

Save on your car insurance this winter It’s no secret that getting from point A to point B in the middle of a Canadian blizzard can be tough. Thankfully, there’s one simple step you can take towards a smoother, safer — and even cheaper — winter drive: installing a set of quality winter tires. All Ontario car insurance companies are required to offer a winter tire discount – usually about five per cent. Why use winter tires? As the temperature drops, all-season and summer tires can stiffen and start losing their elasticity, which can lead to decreased traction and poor performance. The rubber used in winter tires, on the other hand, is designed to stay flexible even in extremely chilly weather, so you’ll get a better grip on that slippery side street. Are winter tires good for driving on ice…read more →

Personal Insurance Newsletter | September 2018

Personal Insurance Newsletter | September 2018

Home Maintenance Tips for Fall Fall is right around the corner, and, as the weather changes, it’s important to prepare your home and identify potential problems before they arise. Consider performing the following annual fall maintenance tasks to ensure your home is safe and ready for the months ahead: Have your heating system cleaned and inspected by a qualified technician. Clean and replace the furnace filter if needed. Insulate water pipes in areas exposed to cold temperatures. Check for damaged or loose shingles to ensure your roof can withstand the wear and tear of winter and that it won’t collapse under the weight of wet leaves, ice and snow. Drain garden hoses before putting them away for the winter. Water left in hoses can freeze, causing irreversible damage. Clean gutters and downspouts to keep debris from accumulating. Check and repair…read more →

Marijuana’s Impact On Driving

Marijuana’s Impact On Driving

Drug-impaired Driving Can Be Deadly Marijuana use significantly impairs one’s driving ability by affecting judgement, motor coordination and reaction time. In fact, according to the most recent data from the Canadian Centre on Substance Abuse, approximately 34 per cent of vehicle crash deaths can be linked to drug-impaired driving, which is nearly as many as those related to alcohol. Marijuana’s Impact On Driving Drug-impaired driving occurs when an operator uses a motor vehicle while under the influence of illegal, prescription or over-the-counter drugs. Of these, marijuana is one of the most common, with studies suggesting that each year, approximately 632,600 Canadian drivers operate a vehicle two hours after smoking marijuana. This is dangerous, as marijuana can impact one’s driving ability in the following ways: Reduces a driver’s ability to stay in the centre lane Impacts a driver’s ability to judge…read more →

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