5 Major Things to Consider when deciding where to Buy Your Home and Auto Insurance

Consumers are being bombarded with advertising these days, this can confuse even the savviest insurance shopper into making an ill-informed decision.  When it comes time to buy Home and Auto Insurance and ads are coming at us from every direction; how do you know who to trust? 
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6 Car Safety Innovations to keep an eye on!

Today car manufacturers are making cars safer and more crash-proof than ever before. Innovations in materials, GPS technology and microchips have made several potentially life-saving technologies cost-effective and affordable for the car buyer. Car safety devices and features can be split into two categories: Passive devices such as seat belts and airbags, and active devices, which proactively assist drivers in avoiding accidents. In most cases the Vehicle Identification Number (VIN) tells the insurance company which safety features a particular vehicle has and plays a factor in resulting insurance premiums. 1) Intelligent Airbags In the old days, airbags could prove almost as dangerous to smaller drivers and passengers as the crash itself. They deployed with such force that smaller and lighter crash victims could be injured. The new generation of bags takes into account the size of the crash victim, and their forward speed, and automatically make adjustments to compensate, resulti ...
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Before Starting a Remodeling Project....Contact Your Insurance Broker

With the spring fast approaching, home improvement activity will be on the rise. For those who are planning to renovate, it is important that you have the right type of insurance and the right amount of coverage.

Insurance should be in place during and after construction. Anyone considering a remodeling project should contact their broker before the process begins. Depending on the scope of work you intend to do, your broker can help you determine if you need to alter your current coverage or add more. Waiting until the project starts or is finished can be an expensive mistake, so take the following important steps to avoid an expensive problem.

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Bonding for Contractors

So you’re a Contractor and things are going pretty well, but you'd like to start bidding on Public Tenders.  You start by picking up that first tender package and find that you cannot bid the project unless you provide a Bid Bond and Agreement to Bond.  Further into the Tender Specs you see that even if you manage to bid the project and land it, you will also need to provide a Performance Bond and a Labour and Material Payment Bond. Sound Complicated?
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9 Important Things to Know About Boat Insurance in Ontario

Here it comes…..we’ve had a few nice days and before you know it, the day will be here when it’s time to put your boat in the water for the first time this year.  You can’t wait!  Lazy days spent on the water, fishing, tubing, having fun with friends and family.

The last thing you want to think about while taking in every bit of summer you can is if you have the proper insurance for your boat or PWC. 

Take a few minutes now (before your boat is in the water) to review these 9 tips about boat and PWC insurance.  In the event of a claim you’ll be glad you did. 

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Electronic Bonds - The Future Or The Present

Is it me, or is technology sneaking up on us faster and faster than we had anticipated? It would seem that Electronic Bonds (used by Contractors in the bidding process) is one of those technologies whose day has come. As an Insurance Broker specializing in Construction Clientele, our Insurance Brokerage has embraced the ability to start replacing the traditional paper Surety Bonds with a digital or electronic version, which allows Contractors the ability to attach a fully secured and verifiable Tender Document (Bid Bond and/or an Agreement to Bond) to their bid which is fully compatible with most of the more popular tendering platforms being used by both Government and the Private sector today. It seems like yesterday that St. Andrews Insurance Brokers participated in a mock bid put on by the City Newmarket along with two of our Construction Clients, but that was about two years ago. Aside from a rare bid here and there I didn't see or expect that the Electronic Bonds would be widely accepted and r ...
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