Call Us (905) 212-7007
Fax Us (905) 212-9275

Email Us anytime 24/7

Archive for October, 2014

3 Must Read Halloween Safety Tips from CAA South Central Ontario.

Thu, 30th October, 2014 - Posted by - Comments Off on 3 Must Read Halloween Safety Tips from CAA South Central Ontario.

3 Must-Read Halloween Safety Tips From CAA South Central Ontario.

To the delight of children around the world Halloween has once again reared its spooky head and brought pumpkins, costumes, and bagfuls of candy to neighborhoods all over the world. As the only exception to the age-old “don’t take candy from strangers” adage, some extra precautions should be taken to ensure your child’s safety tonight. Whether you’re on your first or 10th annual outing, here are a few tips and Halloween safety precautions that no responsible guardian should be without.

Bright Night

As your child anxiously awaits sunset by the window this evening, run a quick visual check to ensure they’re wearing some sort of reflecting material (like the kind you’d find on a construction worker’s vest, for example). Many new children’s costumes include materials such as this for safety purposes, but failing that, you should be able to find a blinking light at any department store made to alert pedestrians and oncoming traffic of their position. You could even pick up a few glow sticks to double as costume accents, too! Staying visible is a large part of staying safe, so make sure your child stands out!


If you’re a native Ontarian you know that a crisp autumn evening can quickly turn frigid. That’s why it’s important to keep your trick-or-treater bundled up during their after-dark excursion. It might be harder with some costumes than others, but be sure to dress your anxious little ones as warmly as possible before you head out the door (or at the very least, carry along some mittens and a cap in case they need it later). Nothing ruins an all-day candy splurge like the sniffles and a nagging cough! Which leads us into our next tip…

The Seal of Approval

As long as there have been trick-or-treaters, there have been concerned parents who check their candy. Though largely embellished and actually quite isolated and rare, dangerous treats will always be a worry to guardians who feel it is their duty to inspect each and every wrapper. The easiest way to tell if your child’s candy has been tampered with is to test its seal; simply squeeze the treat and throw it out if you discover any holes, tears or perforations with or on the packaging. Here’s a tip: send your child away to change into their pajamas before they’re allowed to have any candy. This will give you some time to inspect and throw out any unwrapped or torn pieces in private without your child being any wiser. Take it from a former treat-or-treater – nobody likes seeing candy go to waste.

Above all else help your kids have fun! They’ve likely been looking forward to this night for weeks so try to ignore your aching feet when they inevitably ask for “one more house” (likely more than once). Besides the more candy they collect the more you have access to after they fall asleep. I’m looking at you, Dad!

Happy Halloween from CAA South Central Ontario and don’t forget to check out our Halloween driving safety tips!

Category : Uncategorized

Travelers Ins Co – Small Business

Tue, 28th October, 2014 - Posted by - Comments Off on Travelers Ins Co – Small Business

The statistics speak for themselves: according to the Small Business Administration, nearly 50 percent of all small businesses fail within the first five years of their existence.

At the same time, the success of small business is crucial to the success of the American economy. According to the July ADP National Small Business Report®, small businesses accounted for 39 percent of employment gains across all payroll groups for the month.

Despite new laws and regulations aimed at helping small businesses, however, U.S. entrepreneurs continue to face unnecessary obstacles to their success. These include heavy tax burdens and time-consuming regulatory red tape that put them at a disadvantage against competitors in less burdensome regulatory environments. As CEO of one of the nation’s largest insurers of small businesses, I sadly see evidence of this every day, both anecdotally and in the data.

There are three steps that could be taken to help small businesses survive and prosper during their early years:

  1. Reduce or entirely eliminate taxes on small businesses during the first three years of operation. This would allow small businesses to put earnings back into their companies and, in turn, grow their businesses and hire more workers.
  2. Grant temporary relief from the cost of regulations that are not related to public health, environmental protection and employee and public safety. This would enable small businesses to focus on survival during their greatest period of vulnerability.
  3. Eliminate fines and penalties for first-time, administrative paperwork violationsduring these first three years.

There is good reason to think these changes would make a difference. Just look at some of the states with the highest rankings for friendliness toward entrepreneurs, including South Dakota, Texas and Wyoming. They have lower taxes and lower levels of regulation than most other states, and their unemployment rates are lower than the national average, according to the Small Business and Entrepreneurship Council.

Such business-friendly initiatives are not limited to what might be considered traditionally conservative regions. In New York City, then-Mayor Michael Bloomberg, in partnership with the city council, created a one-stop office to help privately owned restaurants obtain permits and cut through municipal red tape. This successful effort assisted in the creation of over 6,000 food-services industry jobs.

As our communities work to overcome enduring obstacles to small business success, it is important that we also are aware of new and emerging risks – such as limited access to capital – that contribute to an even more challenging business environment.

In 2011, Travelers launched a small business advocacy project called “Small Business – Big Opportunity.” The campaign helps raise awareness about the challenges small businesses face across the country and offers solutions that can be put in place. Through the Small Business Risk Education program, we also are working with regional non-profit organizations to help minority- and women-owned businesses better anticipate risks to their businesses. Business owners enrolled in the program are made eligible to apply for microloans that can help execute their risk mitigation plans and, ultimately, grow their businesses.

The nation’s future depends on the success of small businesses. We need to take steps to support the engines of our national and local economies by creating a regulatory environment that enables small businesses to grow from start-ups to time-honored companies, creating jobs and supporting our communities along the way.

To think big, we first need to embrace small.

Jay Fishman is Chairman and CEO of The Travelers Companies, Inc. Travelers is a leading provider of property casualty insurance for autohome and business. A component of the Dow Jones Industrial Average, the company regularly participates in matters of importance to the insurance and financial services industry, as well as the economy more broadly, through its public policy division, the Travelers Institute.

Category : Uncategorized

Travelers Insurance Company

Wed, 15th October, 2014 - Posted by - Comments Off on Travelers Insurance Company

Travelers encourages homeowners to focus on their roofs this fall

With fall here, wind, rain, hail, and winter storms are ahead. To help your clients protect their property and belongings, we recommend they inspect their roofs for damage and undertake any necessary repairs. Travelers recently released specific steps your clients can take to help prevent potential damage:

  • Trim trees and remove dead branches so they do not damage your home or injure someone if they fall.
  • Check for damage to your roof, and clean gutters and downspouts to keep debris from accumulating. This is especially important during the fall season. Consider impact-resistant roofing material if you live in a hail-prone area and are planning to build or replace the roof on your home.
  • Add extra insulation in the attic to guard against ice dams. If too much heat escapes, it can melt the ice and snow on the roof. When it refreezes, it can cause an ice dam, which can lead to water damage inside your home.
  • Check the flashing on the roof to make sure it is in good condition to help prevent water penetration.
  • Inspect your roof regularly for maintenance issues that could make it more susceptible to hail and other damage, including surface bubbles and areas with missing gravel on flat roofs, or missing or damaged shingles or tiles on sloped roofs.
Category : Uncategorized

Important Tips for Drivers During Back-to-school Season

Thu, 2nd October, 2014 - Posted by - Comments Off on Important Tips for Drivers During Back-to-school Season

Published on September 1st, 2014 | by Silvana Aceto

CAA South Central Ontario.

Important Tips for Drivers During Back-to-school Season

As summer draws to a close and the classroom bell rings in the new school year, over 800,000 students across Ontario will ride the bus back to school. CAA South Central Ontario is reminding drivers to slow down in school zones and watch for flashing bus lights. Here are a few more quick tips for drivers, students and bus riders:

Back-to-school tips for drivers:

Always check for children on the sidewalk, driveway and behind your vehicle before backing up

Remember to slow down in school zones

Be ready to stop at all times as children may dart out between parked vehicles

Try to make eye contact with children waiting to cross the street

Remember to slow down in school zones

Come to a complete stop for school buses when red lights are flashing

Back-to-school tips for students:

Stop before stepping onto the road

Look in all directions before crossing the street

Listen for traffic

Walk, don’t run, across the road

Bus safety rules:

Be at the bus stop ahead of time

Stand back from the edge of the road in a safe location

Hold the hand rail when boarding or exiting the bus

Keep feet out of the aisle to avoid tripping others

Keep your head and arms inside the bus

Always follow the bus driver’s instructions

CAA School Safety Patrollers dedicate over 3.45 million volunteer hours each year helping their fellow classmates get to and from school safety. There are over 55 police services, more than 800 schools and over 20,000 elementary school students involved in the CAA School Safety Patrol program.

Category : Uncategorized

Don’t be afraid to ask!

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! »


Subscribe via RSS Feed Reader

Contact Us

Tel: (905) 212-7007
Fax: (905) 212-9275

Email Us 24/7