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Happy 150th Birthday Canada.

Thu, 29th June, 2017 - Posted by - Comments Off on Happy 150th Birthday Canada.

Happy Canada Day, 150 Years Strong.
Please be advised Expo Insurance Brokers will be closed on Monday July 3 2017 in celebration of Canada Day. Wishing You and your Family our Very Best wishes on this Canada Day.
Special shout out to members of the Canadian Armed Forces serving over seas on this holiday weekend and their families here at home all across Canada. Thanks for your continued service !
For a claims Emergency please call your Insurance company Direct 24/7.
Intact Ins Co / Novex Insurance Co / Jevco – 1-866-464-2424
RSA – 1-800-319-9993
Economical / Perth Ins Co. – 1800- 607-2424
Aviva – 1-866-692-8482
Gore Mutual Ins Co. 1-800- 265-8600
Category : Auto Insurance / Community / Education / EXPO Insurance / Expo Insurance staff / Home Insurance / Homeowners

Changes to Ontario Auto Insurance Give You More Choice.

Thu, 11th February, 2016 - Posted by - Comments Off on Changes to Ontario Auto Insurance Give You More Choice.

On June 01 2016, changes to auto insurance in Ontario will give you more choice and control over your insurance and premiums. Statutory accident benefits are changing, and new optional accident benefits choices will be made available to allow you to customize your policy to suit your individual needs. The choices will give you greater influence over the price you pay for insurance. The cost of your policy will vary based on the coverage you purchase.

The Reforms and new choices will take effect June 01 2016. Your policy wont change until it is time for it to be renewed. When you receive your renewal documents you will also be provided with more information on the changes and your new options. This will help you make an informed decision.

After June 01 2016, you can choose to make changes to your existing policy to take advantage of the new levels and options, without having to wait for it to come up for renewal.

Stay tuned for more information and feel free to contact us at Expo Insurance Brokers at anytime for more information.

Expo Insurance Brokers Inc.

Category : Auto Insurance / EXPO Insurance

Feb 15 2016 – Provincial Holiday Family Day.

Tue, 9th February, 2016 - Posted by - Comments Off on Feb 15 2016 – Provincial Holiday Family Day.

Expo Insurance Brokers will be closed on Monday Feb 15th 2016 in celebration of Family Day.

Category : Community / EXPO Insurance

The Weather is Changing by Intact Ins Co.

Thu, 5th February, 2015 - Posted by - Comments Off on The Weather is Changing by Intact Ins Co.

THE WEATHER IS CHANGING

Climate change is an important environmental issue that has been attributed to human activities, including the release of carbon dioxide and greenhouse gases, as well as natural processes. Click here to find out more.

Climate change is partially responsible for the rising frequency and severity of extreme weather events such as floods, storms and droughts since warmer temperatures tend to produce more violent weather patterns.

As a result of climate change, extreme weather events involving hail, wind and precipitation that used to happen every 40 years in Canada are now happening every 6 years in some regions. (IBC)

CATASTROPHES

Catastrophes are defined as natural disasters that cause at least $25 million USD in insurance claims. Over the past 10 years, there has been an average of 785 natural catastrophes worldwide. In the first half of 2013, there have already been over 450 natural catastrophes.(© 2013 Geo Risks Research, NatCatSERVICE – as at July 2013)

HOW WEATHER AFFECTS INSURANCE

Weather patterns are forcing the insurance industry to evolve products, policies and what you pay to address new risks. You should talk with your broker about the risks in your area associated with changes in weather to make sure the people and things you care about are protected.

Climate changes

Category : Community / EXPO Insurance / Home Insurance

Intact Insurance My Driving Discount Program.

Wed, 5th November, 2014 - Posted by - Comments Off on Intact Insurance My Driving Discount Program.

Intact Insurance Company,my Driving DiscountTM

Some people have better driving habits than others. That’s why we have developed a program that rewards good driving behaviour for our clients at Intact Ins. With my Driving Discount, you could save up to 25%* off your auto insurance premium. Want more information Contact Your Insurance Broker Expo Insurance Brokers Inc. at (905) 212 7007 today.

Getting started in three easy steps

Step 1: Sign up with your Broker Expo Ins Brokers

Enrolling in the my Driving Discount program is quick and easy and you automatically get a 5% discount when you sign up. Do you already have an automobile insurance policy with us? You can enrol in the my Driving Discount program with your broker. Looking to insure your car with Intact Insurance and sign up for my Driving Discount? Start by getting a quote.

Find out more

Step 2: Set up

Your my Driving Discount device will come in the mail a few days after you enrol in the program. Just plug it into your vehicle’s OBD port and start the engine.

Once your device is connected, you’ll get an email containing a user name and password that will give you access to yourmy Driving Discount Website.

Find out more

Step 3: Save

Depending on your driving habits, you could save as much as 25% off your auto insurance at your next renewal.

Find out more

*Certain conditions, limitations and exclusions apply. Contact your Broker at Expo Ins to see our full Terms of Use for further details.

Simply plug-in and you could save.

Plug the my Driving Discount device into your car and we’ll start collecting the data we need to help you save. We’ll review your acceleration, braking, and time of day that you drive, based on the kilometres driven.

Connecting your my Driving Discount device is as simple as locating your OBD (On Board Diagnostic) port. It’s a small socket in your car that can usually be found under your dash, near the steering column. If you need help finding yours, check your vehicle owner’s manual.

Category : Auto Insurance / EXPO Insurance

How to properly stock your car for Winter Safety.

Mon, 3rd November, 2014 - Posted by - Comments Off on How to properly stock your car for Winter Safety.

How to Properly Stock Your Car Safety Kit for Common Emergencies From CAA South Central Ontario.

Before drivers had roadside assistance, cell phones and GPS systems to depend on in case of emergencies, there was the safety kit.

Once a staple in car safety, these kits have all but been replaced by the accessibility and comfort provided by the technological resources increasingly available to drivers. With help only a touch of a button away, it’s no surprise that many drivers are now forgoing the traditional safety kit. But while the latest safety approaches are proving to be beneficial, drivers need to remember that cell phones can die or lose signal, and therefore should always have a backup plan prepared. By purchasing a roadside safety kit or creating one from scratch, motorists can provide themselves with care while assistance is on its way.

When creating your own safety kit, keep these 12 items in mind:

Warm clothing (hat, gloves, boots)

Flashlight with back-up batteries

Ice scraper & collapsible shovel

First aid kit (bandages, instant ice packs, scissors, aspirin, gauze, adhesive tape, antiseptic cream, first aid instructions)

Jumper cables

Multi purpose tool, or any of the following; a flat head screwdriver, pillers, vise grips, adjustable wrench, lug nut wrench or tire iron

Working jack

Spare tire

Tire inflator & tire pressure gauge

Electrical tape

Rags

Bottled water and energy bars

BONUS extreme cold necessities:

Wool blankets

Hand warmers

Flashers and flares

Windshield de-icer

Did you know that *any* cell phone (even without an active service plan) can call 9-1-1 on any network it can connect to? If you’ve got an old spare, consider keeping it and a spare battery/charger in your emergency kit.

Category : Auto Insurance / EXPO Insurance

New Address Effective Nov 18 2013

Wed, 19th March, 2014 - Posted by - Comments Off on New Address Effective Nov 18 2013

New Address for Expo Insurance Brokers Inc
5484 Tomken Rd
Unit 9
Mississauga,Ontario
L4W2Z6
Same Phone Numbers

Category : Auto Insurance / Community / Continuity Plans / EXPO Insurance / Expo Insurance staff / Home Insurance

Travelers Insurance, Driving Safely in Winter Weather.

Wed, 22nd January, 2014 - Posted by - Comments Off on Travelers Insurance, Driving Safely in Winter Weather.

Driving safely in winter weather,
By Travelers Insurance Company

Falling snow can be picturesque, but it can also wreak havoc on the roads. While no one enjoys driving in snowy or slippery conditions, there are steps you can take to help improve your safety.

Here are some guidelines that can help you stay safe when driving in adverse winter conditions:
Make sure your car is prepared for cold temperatures and wintery conditions like snow and ice. Keep your equipment properly maintained and include a winter survival kit in your vehicle: an ice scraper, snow shovel and sand/salt. Jumper cables are also a good idea since batteries are prone to failure during cold weather.
Clear snow and ice off your car – including windows, mirrors, lights, reflectors, hood, roof and trunk.
Drive with your headlights on, and be sure to keep them clean to improve visibility.
Use caution when snow banks limit your view of oncoming traffic.
Avoid using cruise control in snowy or icy conditions. In adverse conditions, you want as much control of your car as possible.
Know how to brake on slippery surfaces. Vehicles with anti-lock brakes operate much differently from those that do not have anti-lock brakes. You should consult your vehicle’s owner’s manual for instructions on how to brake properly if your vehicle should start to skid.
Maintain at least a half tank of gas during the winter season. This helps ensure you have a source of heat if you are stuck or stranded.
If you do venture out or are unexpectedly caught in a snowstorm and encounter problems, stay in your car and wait for help. Make sure your exhaust pipe is clear of snow. There is a danger of carbon monoxide poisoning if snow blocks the pipe and enables the deadly gas to build up in your car. Open your window slightly to help prevent the buildup.
Keep your windshield washer reservoir full, and make sure your car has wiper blades that are in good condition.
Remember that speed limits are meant for dry roads, not roads covered in snow and ice. You should reduce your speed and increase your following distance as road conditions and visibility worsen.
Be cautious on bridges and overpasses as they are commonly the first areas to become icy.
Avoid passing snow plows and sand trucks. The drivers can have limited visibility, and the road in front of them could be worse than the road behind.
Monitor road and weather conditions by checking local news stations or Internet traffic and weather sites.
If you must travel during a snowstorm or in blizzard conditions, be sure to let a relative, friend or coworker know where you are headed and your expected arrival time. Avoid the temptation to check or be on your phone while driving as all of your attention should be on arriving safely

Category : Auto Insurance / Community / EXPO Insurance

Water Damage Checklist from Intact Ins Co of Canada.

Mon, 20th January, 2014 - Posted by - Comments Off on Water Damage Checklist from Intact Ins Co of Canada.

WATER DAMAGE CHECKLIST (by Intact Insurance Co)

Water damage has now surpassed fire as Canada’s leading cause of personal property claims. Examples of water damage include flooding, sewer backup, broken pipes, leaky plumbing, and more. To help avoid water damage in your home, take a few simple precautions to decrease the chances of it happening to you.

INSIDE YOUR HOME
• Buy or increase your sewer backup coverage as needed
• Install a sewer backup prevention valve on the main line of your home
• Install water monitors that alert you if a leak occurs and shut off the main water supply if moisture is detected
• Inspect all plumbing for signs of cracks or leaks, and replace older plumbing
• Inspect older appliances, particularly washing machine and dishwasher hoses, and replace them with steel braided hoses.
• On appliances and/or plumbing fixtures, replace old and worn rubber hoses with flexible steel-braided hoses
• Avoid pouring fats, oils and grease down household drains
• Check water supply lines regularly for leaks and loose connections
• Check caulk and grout around bathtubs and showers and retouch as necessary
• Reduce home water use during heavy rainfall and rapid thaw to reduce pressure on sewage systems and potential for water back-up.

Talk to your insurance broker to review your policy and learn what coverage exists in regards to water damage

OUTSIDE YOUR HOME
• Before the winter, drain all pipes and garden hoses
• Keep storm sewer grates clear of leaves and debris
• Disconnect downspouts draining directly into the sewer system and redirect them at least 6 feet away from your home’s foundation; test downspouts to ensure proper drainage from the roof
• Ensure your lot is graded to aid drainage away from your home
• Make considerations for reverse-sloped driveways
• Ensure there is at least 200 mm (8 in) clearance between finished ground level and the bottom of the downspout; otherwise consider installing window wells
• Ensure waste water lines are not blocked by tree roots
• Ensure you roof doesn’t have loose or curled shingles
• If you have a septic system, have it pumped and serviced regularly

FOUNDATIONS AND BASEMENTS

Your home’s foundation and basement are areas where significant, and often expensive, damage can occur. The origin of leaks is often traced to the foundation. Minor cracks in the foundation are not normally cause for concern; however, major cracks can represent substantial movement and can allow water to seep into your basement. Filling in foundation cracks and stopping them from spreading helps to prevent water damage and serious structural issues. To diminish risks of water damage in your basement:
• Find and seal any cracks in foundation walls and basement floor
• Avoid storing items directly on the basement floor (store items in plastic storage containers on raised shelving)
• Be sure to keep floor drains unobstructed
• Always check your basement for leaks after heavy rainfall or a rapid thaw

SUMP PUMPS AND BACKWATER VALVES

A sump pump is a common and effective basement water collection system. Sump pumps collect water from the weeping tiles around basements and send it outside, away from your home. The sump pump is activated by a float switch that turns on when the water in the sump rises past a certain level.

To ensure your sump pump is in good working order, check the float to ensure it’s clean and moving freely by slowly pouring water into the sump tank. Watch for the float to rise and start the pump. Once the pump starts, the water level will quickly lower and the float will shut off the pump.

Backwater valves installed on the main water line of a home are an effective way of preventing sewer back-up. Many municipalities amended their building codes to ensure that backwater valves are installed in all newly constructed homes.

Category : Community / Education / EXPO Insurance / Home Insurance / Homeowners

GTA Claims Storm Update July 2013.

Thu, 11th July, 2013 - Posted by - Comments Off on GTA Claims Storm Update July 2013.

Expo Ins Brokers Inc. Advisory: GTA storm update 11 July 2013.

Our Insurance Company Partners have Claims Teams that are responding to a large volume of calls throughout the effected areas.

We are into the third day after the heaviest rainfall in GTA history. We wanted to update you on what we are doing and ask for your patience, goodwill and understanding.

The Insurance Company partners we have you insured with, have received more claims in the GTA (mainly West Toronto and Mississauga) the day after the storm than they received in a normal month of claims. This type of volume puts significant pressure on the entire claims infrastructure, from adjusters to appraisers to contractors.

Insurance Companies have assembled Claims teams consisting of internal staff and dedicated adjusters plus contractors they have certified to assist in emergency mitigation and repair.

Customer contact is underway
These claims teams have broken down the affected area by postal code and calls are already being made to customers, allowing the adjusting team to work within a small geographic area.

For our mutual clients with sewer back up coverage, here is what’s happening:

1) Emergency mitigation. The adjuster will meet with the customer, provide guidance on what to expect, review coverage and develop a plan to return the property to its pre-loss condition.

What the insurance contractors do in Phase 1:
• Cut out the affected drywall – in most cases 6-9 inches above the water mark.
• Remove all debris.
• Separate contents into salvageable and ‘send to the dump’ – then take an inventory.
• Set up blowers and dehumidifiers to run for a number of days to minimize mould and prepare for reconstruction.

2) Estimation. The estimators will return with the adjuster and together they complete an estimate of repair. The adjuster then meets with the customer to explain the options.

3) Repair. They will be encouraging “YOU” the customers to use their preferred vendor network (whose work we guarantee) but the choice of contractor is ultimately yours.

Patience and Understanding is Key:

Please expect delays. Under normal circumstances the timeline for Phase 1 is 24-36 hours, but because of the size of this event, the contractors can’t give a time estimate that is accurate.

Over the next several days, the Insurance claims teams, focus will be calling customers as this is the best way to start the claims process.

• Estimating will likely take another couple of weeks.
• Reconstruction is where it will be difficult to provide timeframes yet, but they will assess as they go along, once they can determine how many repairs the contractors are asked to complete they will have a better understanding and will keep you the client informed.

At Expo we recognize this is a very difficult time for you, but please rest assured that our Insurance Company Partners have teams of professionals working hard to get the job done.

Thomas Taborowski
Principle Broker
Expo Insurance Brokers Inc.

Category : Community / EXPO Insurance / Home Insurance

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! »

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