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.
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.
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
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.
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 be to get insurance with Facility Association, the insurer of last resort, through a licensed broker like Mitchell & Whale. Read more
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 from a broker are quite different from what you end up paying in premiums.
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, who will propose an affordable personal or business insurance package to meet any home business’ needs.
The Mitchell & Whale team has been working super-hard throughout the pandemic to help our customers get through it. When COVID-19 hit in March, we were one of the first businesses in Ontario to be fully remote to protect both our team and our customers, and since then, we’ve not only maintained our high standards of customer care, we’ve exceeded them.
Many people get confused when we talk about how much their home should be insured for. It’s got nothing to do with what you paid for the home, or what you could sell it for today.
Lost in all of the daily news about the coronavirus is a policy tweak to Ontario’s public health insurance plan that applies to anyone travelling outside the province who requires health services.