2016-07-15 3:38 PM

Pokemon GO! Play Safe. Have Fun!

Pokemon Go is sweeping the nation with its immense popularity, and it hasn't even officially launched in Canada yet!  Walking around in the real world trying to catch Pokemon feels nostalgic and thrilling, not to mention introducing a whole new generation to the Pokemon phenomenon.   Players need to make sure they’re careful when trying to catch them all! Several people already managed to hurt themselves or get into sticky situations while playing this reality game. Always be aware of your surroundings! Although the app gives you a warning about this on startup, it should be stressed how important this is. Many players become so occupied finding Pokemon, they become unaware of where they are or where they’re walking and end up in disastrous situations. Several people have managed to hurt themselves by not paying attention to where they were walking.  Don’t Pokemon Go and drive! It should go without saying, but there have been many who have gotten into car accidents whil ...

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2016-06-03 11:53 AM

Happy World Environment Day!

Each year on the 5th of June we celebrate World Environment Day; this day carries an important message that deserves to be celebrated, and encourages people to take action.   This year’s message is to end illegal wildlife trade through their slogan: Go Wild for Life. Illegal wildlife trade is quickly ruining the Earths biodiversity.  Poachers are hunting animals down to the brink of extinction to the point where some species of rhino have become extinct.  Species of elephants, gorillas, pangolins, and turtles are also becoming critically endangered thus ruining the sustainability of our ecosystem.  Several awareness campaigns have been put in place around the world to promote public knowledge of the situation at hand and about the declining population of several animals.  There have also been stronger policies put in place on border and airport screening to control smuggling, as well as investments in community conservation and law enforcement. This year, World Environmen ...

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2016-05-31 10:46 AM

Your Mortgage & Home Insurance

As with any contract, your mortgage company will insist you comply with certain requirements, one of these requirements is that you must maintain adequate homeowners insurance coverage. Typically, adequate coverage means that you are insured for the value of your
home to 100% of replacement cost or that you maintain enough coverage to address the amount
of the loan. While the latter may mean that the mortgage company wants enough coverage to pay the
outstanding loan balance, most homeowners policies do not cover the loan amount, just the rebuilding
of a home. In short, the mortgage company wants to make sure that they are protected if your
home suffers an insurable loss such as fire or water damage.

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2016-05-17 12:37 PM

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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2016-05-10 10:17 AM

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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2016-05-04 11:17 AM

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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2016-04-26 11:32 AM

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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2016-04-11 1:45 PM

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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