With car insurance being mandatory in Canada, high-risk drivers often find it hard to get back on the road due to expensive insurance policies and hefty fines if caught driving without one. In this article, we’ll help you get a high-risk auto insurance quote online in Ontario. We’ll also help you understand what high-risk drivers are and…
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Canada requires every car owner to have auto insurance. Your policy should cover the owner, the vehicle, and the passengers. In the event of a collision, your insurance should also be able to cover the medical expenses of pedestrians you’ve injured and the property damage you caused. Some provinces, like Quebec, offer insurance that covers…
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Even the most careful drivers may find themselves involved in a car accident: in fact, 1 in 3 Canadians will be in an accident at some point in their lives. As disconcerting as the experience may be, when you are involved in a minor collision there is a sequence of events that you should follow…
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One of the first questions people want to know when they have been pulled over and issued a traffic ticket is how it will affect their insurance rates. The answer depends on the infraction and the type of ticket you are issued. There are 3 main types of traffic tickets: minor, major, and serious convictions.…
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If you own a vehicle in Ontario, there are requirements around the types of insurance coverage you must purchase. Minimally, you must have: Third-Party Liability Coverage (minimum of $200,000 in coverage) – This protects you in the event someone else is killed or injured, or their property is damaged, as a result of your vehicle.…
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Becoming a licensed driver is an exciting rite of passage. It’s important to remember, however, that with the anticipation of getting behind the wheel comes the responsibility of safely operating a vehicle and protecting yourself against possible driving risks. Whether you are the parent of a fledgling young driver or a new driver yourself, keep…
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As with many industries, the insurance industry goes through cycles where it shifts between what are known as “hard” and “soft” markets. As an insurance consumer, it is helpful to understand these cycles and how they affect your insurance rates as well as your purchasing options. To better understand the industry cycles, let’s start by…
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In 2016-17, nearly 654,000 — or about one-third — of the more than 2 million injury-related emergency department visits were due to accidental falls. In the same time frame, injuries from falls led to about 152,500 hospital admissions. Almost 8,800 of fall-related injuries across Canada occurred as a result of people slipping on ice. With…
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Course of Construction Insurance Residential and commercial contractors all need construction contractor insurance. This is not a negotiable requirement. It will often spell the difference between getting and losing a contract. Any party who contracts services to others needs contractor insurance. This is required when contracting services to the government on the federal, state or…
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Whether you’re opening a new brewery or have been in business for a few years, you are going to want to have appropriate insurance in place. The best way to do this is to consult with a broker familiar with the industry.