Author: Derrick Coyle

In an earlier article we touched on the growing trend of home-based businesses and highlighted the importance of discussing income generating ventures with an insurance broker to arrange proper coverage. The insurance industry has recognized the popularity of gainful domestic enterprise—that creative entrepreneurial space between a full commercial business and a paper route—and the market […]

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You figure you’ll start a little business from home to supplement the family income, do you? Maybe you’ve given up that job in retail sales to babysit some neighbourhood kids after discovering just how much a second child in daycare eats into the take-home pay; or

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Getting home insurance to meet your needs and expectations can be a smooth process when you have the right guidance and support. That’s why it is always wise to speak with an experienced broker who has the knowledge and resources to find you the ideal coverage for your property and loss exposures.

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There are times when we have no choice but to entrust our fate to others. We pray the attending surgeon is having a good day. We hope the pilot squeezed in a nap before our red-eye flight. But it doesn’t take a triple-bypass or turbulence at 30,000 feet to be vitally dependent on the competence […]

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In an April 2017 report, Special Advisor to the Minister of Finance in Ontario, David Marshall, pegged the average Ontario car insurance premium in the year 2015, at $1,458 per vehicle—a figure almost 55 percent higher than the average rate for the rest of Canada. We discuss this in more detail in an

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Money For Nothing? Of all the goods and services competing for a share of our hard-earned cash, insurance will not likely rank high on many Top-10 Lists of most satisfying purchases. Consumer products generally come with some immediate gratification: We show off the new car as soon as we drive it off the lot; the […]

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If you build it, they will come. This slight twist on the ethereal whisper from Kevin Costner’s 1989 film, Field of Dreams, may be useful counsel for employers hoping to field a winning team from a new generation of talent.

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It’s an encounter with all the interpersonal appeal of a proctologist appointment: Good evening, sir, do you know why I pulled you over tonight? Uh, no officer. Your left taillight’s out. Shoot, sorry, it’s my dad’s car. I had no idea.

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A recent flurry of news reports throws some serious shade at providers of automobile insurance in Ontario. “Grand Theft Auto,” accuses one headline. “Ontario drivers have fewest accidents, pay highest insurance premiums,” charges another.

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They say necessity is the mother of invention—a cliché that could soon be put to the test if automobile insurers are required to retool reporting processes and generate unique ratings to accommodate a new Ontario government initiative recognizing gender diversity.

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