Author: Mitchell and Whale Team

About Mitchell and Whale Team:

The articles you'll find on the Mitchell & Whale blog are all the result of a team effort, contributed to by one or more of our RIBO licensed insurance brokers and/or other Ontario insurance experts. Contributors to our blog include our president, Adam Mitchell, Nick Kidd, Alex Gemmiti, and others, too numerous to include here.

Posts by Mitchell and Whale Team:

Do I Need Extra Insurance for My Jewelry?

21 Nov 2020 in Home Insurance

There’s no big mystery to whether you should buy separate insurance for your jewelry. The fact is that your home insurance will likely cover any jewellery lost in a fire or stolen, but only up to a limit of $1,000, or in some cases $2,000. If all your jewelry put together is worth much more […]

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Can a Dash Cam Get You Cheaper Insurance?

06 Nov 2020 in Auto Insurance

Insurance companies don’t currently offer a discount for installing a dash cam. But depending on what the dash cam records, it could be immensely helpful in helping you prove fault in a collision, or even getting you out of certain traffic tickets.

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When is My Car Considered a Total Loss?

04 Nov 2020 in Auto Insurance

Most vehicles are insured for their Actual Cash Value (ACV). As that value begins to depreciate over the years, however, it becomes increasingly likely that any damage sustained during an accident will render your vehicle not worth fixing. But what exactly are the factors involved in determining whether your car is a total loss?

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Why Do I Pay More to Insure My Cannabis Shop?

03 Nov 2020 in Commercial Insurance

When it comes to legalizing cannabis, Canada stands alone among the G7 countries. No other major economy in the world has opened itself up to the cannabis industry quite like ours has. As a result, cannabis retailing has disrupted the standard insurance practices, and so many insurers are reluctant to enter the game and readily […]

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Does Cannabis Affect My Non-Smoker Discount?

13 Oct 2020 in Home Insurance

If you get a non-smoker discount on your home insurance premium, you may be paying 5-20% less than a smoker with the same coverage. However, when your broker asks if there are any smokers in the home, that includes cigarettes, cigars, pipes, and yes, cannabis. Vaping too. All of these variations on smoking have been […]

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As a Personal Trainer, How Do I make Sure I’m Sufficiently Covered?

30 Sep 2020 in Commercial Insurance

More than most careers, protecting yourself against lawsuits is an essential part of being a personal trainer, whether that means you are a:

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Does My Home Insurance Cover My Legal Cannabis Plants?

13 Aug 2020 in Home Insurance

Ever since those salad days when cannabis was first legalized in Canada, insurers have had to re-evaluate their stance on cannabis and insurance. Prior to legalization it was black and white – marijuana was illegal, so marijuana was uninsurable.

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Insurance While Riding with Your M1: What You Need to Know

28 Jul 2020 in Motorcycle Insurance

With the COVID-19 pandemic wreaking havoc with lots of things, it should be no surprise that a lot of new motorcycle riders are having trouble booking the courses and testing they need to get their M2 licenses. With most insurance companies refusing to insure M1 riders, the only option for the summer of 2020 may […]

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What You Need to Know About Your Home For an Accurate Insurance Quote

21 Jul 2020 in Home Insurance

How Well Do You Know Your Home for an Insurance Quote? Your home insurance premium is based on the particulars of your home, including when it was built, what it’s made of and how big it is. If you don’t know these important details about your home, you might find that the quotes you get […]

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Do I Need Business Insurance for My Home Business?

16 Jul 2020 in Commercial Insurance

Every home business can benefit from some type of business insurance, even if it’s a simple liability policy to protect you if work you do for a client leads to a lawsuit. Other home businesses may store dangerous materials in the home, or even meet clients there. These businesses should all consult an insurance broker, […]

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