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Home-Based Business

More and more people are starting home-based businesses for everything from marketing homemade products to keeping a home office for a consulting business. From an insurer’s perspective, this adds new types of risk to your home and, therefore, may require additional insurance. Residential policies provide limited coverage on business property Anything you use to carry […]
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Choose the Right Policy

Make sure you purchase an insurance policy that reflects the unique qualities of your home, its contents and the people who live there. Your home should be insured from the moment you take legal ownership – even if it is under construction. Our expertise is particularly useful at this stage when you really need to […]
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Farm Liability

Your Farm Liability Coverage will protect you from legal liability arising out of injuries to a Third Party Person or damage to a Third Party’s Property in the course of your personal activities as well as your farm activities. This coverage also includes Voluntary Medical Payments, Voluntary Property Damage and Tenants’ Legal Liability as described […]
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Farm Earnings Insurance

This will come into play after you have a loss and you need income to continue with your farming operations. Earnings Insurance will do for you what your farm operation would have if such an interruption had not occurred.
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Facts of Farm Property Coverages

Your insurance coverage on farm produce, farm machinery and farm livestock are subject to a Co-Insurance percentage of 80%. You therefore need to maintain a limit of insurance on these items to at least 80% of the value of this property. Your farm property is subject to the policy deductible. You may be able to […]
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Five Sections of Farm Policy

There are five different sections to a farm policy: Residential Property Coverages (Farmowners) Farm Property Coverages (Farm buildings, machinery, produce and livestock) Residential Property Limited Coverages (Rented dwellings, seasonal, mobile homes) Miscellaneous Coverages (Jewellery, furs, watercraft, etc.) Farm Liability (Including Farmer’s Limited Pollution Liability Insurance at a maximum limit)
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Save Money on Business Insurance

Business owners have likely noticed the soaring costs of insurance premiums in recent years. But since protecting your business and livelihood is a necessity, you need to look for creative ways to reduce insurance costs. Prioritizing your top business needs Insurance policies contain need-to-have clauses and nice-to-have ones. With the help of your broker, your […]
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Business Interruption Policies

There’s the cost of doing business, and then there’s the cost of not doing business. When something disrupts business as usual, such as theft, vandalism, a fire, or water damage, the role of business interruption insurance is stepping in to protect against income or profit loss until you can resume business. Making it part of […]
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Landlord’s Insurance

LANDLORD’S INSURANCE Owning rental property is a major investment and involves more risks than simply buying a home to live in yourself. That’s why you need landlord’s insurance to protect your investment. There are several kinds of coverage to consider for your rental property. Liability (third party liability) You may not be responsible for your […]
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Reduce My Risk

REDUCING THE RISK IN YOUR BUSINESS A risk management program is the best way to systematically reduce the impact of risk. An experienced commercial broker knows how to identify and manage many of the risk factors in your business and translate that knowledge into a cost-effective risk management program. There are four key steps: 1. […]
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