Can Missing a Monthly Payment Affect My Insurance Rates?

February 24, 2020

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.

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Ask a Broker #2 – Home Insurance Special Q&A 1

February 19, 2020

In This Installment of Ask a Broker:

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.

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How Long Does An Accident Stay On My Driving Record?

February 13, 2020

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.

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Where Does Your Auto Insurance Money Go?

February 10, 2020

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:

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Need an Umbrella? Why You May Want $5 Million Liability Coverage

January 30, 2020

At Mitchell & Whale, we feel strongly that every one of our customers should have much more liability coverage than the minimum $200,000 mandated by the Ontario government as part of every auto insurance policy. Read more

Ontario Distracted Driving Laws, Fines, & Penalties

January 27, 2020

Driver distraction is the new drunk driving: Here’s what texting and driving will cost you.

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Ask a Broker #1 – Auto Insurance Special Q&A 1

January 21, 2020

In This Installment of Ask a Broker:

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.

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The Most Common Claims for Bricklayers and How to Avoid Them

January 15, 2020

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?

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The Most Common Claims for Drywall Contractors and How to Avoid Them

January 15, 2020

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.

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The Most Common Claims for Carpenters and How to Avoid Them

January 14, 2020

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.

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