Personal Protection

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 →

Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Personal Lines Perspectives: Tips for Saving for Your Child’s Future

Tips for Saving for Your Child’s Future Saving for your child’s future is important, especially when you consider how expensive college is. Thankfully, there are a number of steps parents can take to start saving today in order to ensure their children are financially prepared for the future. The following are some easy tips to consider: Start saving the day your child is born and save as much as you can. Compounding interest will also make your savings grow. Save money on a consistent basis rather than on a random schedule. Consider setting up an automatic payroll deduction or having your bank automatically move money from your chequing account to a savings account. Establish a savings goal to measure how well you are saving, and modify that goal as your salary increases. Ask relatives to contribute to the savings account…read more →

Understanding Umbrella Insurance

Understanding Umbrella Insurance

Unfortunately, accidents happen — and it’s not uncommon for jury awards and out-of court settlements to run into the millions of dollars. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection? For example, what if: Your teenager runs a stop sign, causing a serious accident? A deliveryman falls on your sidewalk and is seriously injured? A guest is injured by your family dog? If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket. Standard liability insurance generally includes homeowners, renters, auto and watercraft policies. Like an umbrella that protects you from…read more →

Eliminate Back Pain

Use proper lifting techniques Lifting is such a common activity that many people forget there is a right way to do it. In fact, lower back injuries are the most common work-related injury and can cause a lifetime of pain. Following these simple guidelines and learning to lift properly today will help you to avoid back pain tomorrow. Proper Lifting Techniques Wear gloves if you are lifting rough equipment. Clear away any potential obstacles before beginning to carry an object. Get a good grip and stable footing. Use your hands, not your fingers, to grip the load, and position your feet so that one foot is next to the load and one is behind it. Get under the load by bending your knees, not your back. This is the most important lifting technique to remember as bending over at the…read more →

Reduce the Risk of Injuries From Garage Doors

With the weather cooling down, more and more people will be parking their vehicles in garages. While they are convenient structures, garages can be dangerous, especially for children. In fact, most garage door injuries and fatalities happen when children find access to garage door opening devices and are trapped under a door that doesn’t automatically reverse. Of all garage door related injuries in Canada, 59 per cent involved fingers or hands that were either caught or cut, and 23.5 per cent of injuries involved a garage door coming down onto someone. Consider the following safety tips to protect you and your family from garage door injuries: Test your door monthly, using a roll of paper towels. (Do not use a hard object like wood—with a hard object, there is no way of knowing whether a door would reverse without causing…read more →

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