Missed payments are not in and of themselves a rating factor for insurance, but if you fall behind by more than a month, that could lead to you being cancelled, and that will definitely affect your future insurance rates.
Protecting your home, your possessions and your savings from unforeseen dangers like fires, storms and lawsuits is what our service team is all about. This instalment of Ask a Broker is devoted to answering your most common questions about home, condo and tenants insurance. Our team has got you covered.
Everyone knows that an at-fault accident affects how much you pay for auto insurance. But for how long? Technically, it stays on your record forever, but most companies use it for six or nine years to determine whether they want to insure you at all, and if so, to help set your premium. Some companies use it for up to 25 years.
Auto insurance isn’t just one thing. When you call to get an auto insurance quote, you’ll get a premium that includes a number of different coverages. The quote will always include the following coverages that are mandatory in Ontario:
Driver distraction is the new drunk driving: Here’s what texting and driving will cost you.
Every industry has its common questions and at times surprising answers, and the insurance industry is no different. Our brokers are on the front lines of Ontario insurance every day, and have a knack for clear answers that can save you time and money. In this instalment of Ask a Broker, the M&W team sheds some light on some of the questions they hear often related to auto insurance.
Every business needs insurance, but your bricklaying and masonry business has unique coverage needs based on the kind of claims you are most likely to make. There are some things that can happen to any contracting business, like stolen tools and liability claims arising from injuries or damage that occurs on the work site. But what kinds of claims are most common for brick and masonry businesses like yours?
As with any trade, there are certain risks that come along with drywalling, and it’s critical for every drywall contractor to be aware of the risks, minimize them as much as possible, and get the right kind of insurance in place to protect the business if something bad happens.
As a carpenter, you may be subcontracted at various stages of a construction or renovation project to complete a number of different jobs, including building concrete forms, framing, installing doors and windows, and installing cabinets. You and your employees are skilled tradespeople with a commitment to do the job right.