Larger Role for Tutors Means New Risks

November 20, 2020

Private tutors have been in high demand during the COVID-19 pandemic. If you’re a tutor or run a tutoring agency, you’re probably operating very differently than you ever did before, what with online learning, learning pods, and some parents needing support for homeschooling. With new opportunities come new risks, so now may be the time to look into private tutor insurance, starting at $50/month.

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Getting Engaged? Insure That Ring!

November 12, 2020

You’re getting engaged. Congrats!

This is a very exciting time in your life. Shopping for a ring. Setting up the perfect proposal that you’ll remember years later. Popping the big question. Amidst all this excitement, it’s easy to forget that you just bought a piece of jewellery that could be worth $3,000, $10,000, or even more.

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Can a Dash Cam Get You Cheaper Insurance?

November 6, 2020

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?

November 4, 2020

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? Read more

Why Do I Pay More to Insure My Cannabis Shop?

November 3, 2020

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 underwrite the risks associated with this unique and still quite novel product.

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Are You Making Money With Your Car? Insurance Implications

October 28, 2020

If you use your car to make an income, you’re probably best off getting some kind of commercial auto insurance policy or at least a commercial endorsement on your personal policy. You may think it will cost a lot more, but not necessarily. Read more

How to Handle a Home Insurance Claim Dispute

October 21, 2020

If you ever need to make a home insurance claim, it’s possible that it will go smoothly and you and your insurance company will agree on what has been damaged or lost, how much of it is covered, and what fair value is for those covered losses.

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Does Cannabis Affect My Non-Smoker Discount?

October 13, 2020

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 shown to increase the risk of fire, and would nullify your discount.

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

September 30, 2020

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

Does My Home Insurance Cover My Legal Cannabis Plants?

August 13, 2020

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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