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Archive for September, 2009

Need insurance advice? Look no further than your local broker.

Fri, 25th September, 2009 - Posted by - Comments Off on Need insurance advice? Look no further than your local broker.

Insurance can be confusing. With so many insurance companies offering different products and services, how do you know what’s right for you?

That’s where your independent insurance broker comes in. Your broker will do the work for you, collecting and explaining the various options available from different insurance companies. They’re your source of information and advice, someone who will look at the whole picture, identify any gaps in your coverage, put together a plan, and review it with you to make sure your insurance is growing with you.

Insurance brokers know about different products and prices, and can help you choose the right match for you. For example, did you know that you can often save money (and time) by combining your home and auto insurance? Your broker can help you build an insurance package that covers your needs, while providing the convenience of having only one payment and renewal date to think about.

Look around your home. Perhaps you run a small business out of your home. Did you know that your home insurance does not cover your business? An insurance broker can help you identify what type of home-based business coverage works best for you.

Consider other aspects of your lifestyle. Do you travel, own a cottage or require additional personal liability coverage (a must if you car-pool or drive your kid’s friends around)?

But insurance isn’t just about buying a policy. Take into consideration the service you expect to receive, especially after a claim. Your insurance broker can advise you on the different levels of service and guarantees provided by different companies. After all, while you hope you’ll never have a claim, you do buy insurance to protect yourself and your family against one.

So if you need information and advice about insurance, go to the professionals – your independent insurance broker. Your broker will work with you every step of the way.

The above article is a guide only.

Category : Auto Insurance / Education / Homeowners / Small Business

What you need to know about buying travel insurance

Sat, 19th September, 2009 - Posted by - Comments Off on What you need to know about buying travel insurance

Planning ahead for stress-free travel: What you need to know about buying Travel Insurance

Whether you’re off to Europe, a weekend in another province, or even cross-border shopping on a Saturday afternoon, anything can happen. In the case of a medical emergency, did you know that OHIP may not cover your medical expenses outside of Ontario? Travel insurance gives you the peace of mind of knowing that you’ll be covered anywhere you go.

The first step in buying travel insurance is to review the coverage you may already have and figure out what type of travel insurance you need. Check out any credit cards and company plans that you or your spouse may have. Read those documents carefully to find out what IS covered and what IS NOT covered. You might be surprised.

Here is a list of questions you should consider when purchasing travel insurance:

  • How much emergency medical insurance does your policy offer?
  • Are pre-existing medical conditions excluded?
  • Does your policy include Trip Cancellation and Trip Interruption?
  • Are you covered if your baggage is lost or delayed? How much?
  • Does your policy require you to pay first and make a claim later? Or, will the company pay up front and save you some hassles and stress?
  • Is there a 24/7 assistance number for emergency help and advice?
  • Does your policy protect just you or does it include your spouse and children? What about grandchildren?
  • Does your policy cover you for just one trip or multiple trips throughout the year? How long can each trip be before your coverage runs out?
  • Are sports and other recreational activities covered?

There are lots of places to buy travel insurance – online, Travel Agents, or an Independent Insurance Broker. (Yes, the same person who sells you your home and car insurance can also sell you travel insurance. This could be as easy as adding it to a policy you already have.) But be aware; not all policies are created equal, and you should be well informed of exactly what you are buying.

You spend a lot of time and money planning your vacation. Do your homework and make sure to ask the right questions before you go to ensure you have a stress-free, relaxing trip. After all, you deserve it!

This article is intended as a guide only. For more information, speak to your insurance representative and/or travel agent.

Category : Travel Health Insurance

What can an insurance broker do for you?

Tue, 15th September, 2009 - Posted by - Comments Off on What can an insurance broker do for you?

Community_coveredInsurance. Just the mention of it can make you cringe. And to most people, the very thought of making a payment or renewing a policy can feel like a nuisance. Yet, you can’t afford not to have it. In fact, to drive a car, it is mandatory. Everyone needs insurance.

So, what is insurance and why is it important?

The purpose of insurance is to compensate the victim of a loss for the actual amount of that loss, no more and no less. And, having an insurance policy provides individuals with the means to shift their financial responsibility for a loss to a third party.

In Canada, an insurance policy can be purchased directly from a company, from an insurance agent, or from an insurance broker.

We can help you identify the risks that you, your family or your business may be exposed to.

You might think that buying directly from an insurance company would be cheaper, right?

Actually, it isn’t. All insurance companies have administration costs. And direct insurers also spend a lot of money to market and advertise their products, so you won’t find it cheaper to go directly to the insurer.

More importantly, not all policies are the same. You should be wary of a “cheap” policy. As someone once said, “cheap is often too expensive.” You want to make sure you understand your policy, the coverage, the exclusions, so you won’t have any surprises if you have to file a claim.

What you want is someone who can add value to your premium. An insurance broker can help you do that.

As insurance brokers, we specialize in insurance protection. We work for you. We have an in-depth working knowledge of the insurance market and can provide professional and objective advice. And we don’t just work with one insurance company; we shop around and find the best policies from the best insurance companies across Canada. In other words, we work for you.

We can help you identify the risks that you, your family or your business may be exposed to. And we will recommend the best protection at a competitive price, arrange the insurance policy and documentation, and answer any question that you may have. We will also remind you when your policies are due for renewal or amendment.

Your daughter may move out to attend University, or your son may get his driver’s licence. As your situation evolves, we are there to review your policies to ensure that the coverage is appropriate and that the entire family remains well protected.

As insurance brokers, we provide the knowledge, choice, convenience and professionalism that you deserve.

Category : Uncategorized

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When it comes to insurance, there is no question too basic. If there is anything you don’t understand, don’t be afraid to ask us. We are here to help. Contact us today! »

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