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2 years ago · by · 0 comments

Top Three Insurance You Need For Your Business

From the day you decided to start your own business, you have made yourself vulnerable to an extent. You have open the doors to various risks that could make or break your chosen business. Even before you hire your first employee, the business is already at risk, making it nothing less than essential to invest in buying business insurance. A simple lawsuit can mean a catastrophic loss for the business that has yet to take off and find success.

Fortunately, business owners like yourself have access to a wide range of business insurance options to protect the kind of business that you have. To ensure that your business is out of danger, here are the top three insurance types that you must purchase and have in place as soon as possible:

Professional Liability Insurance

This kind of insurance is also known as Errors and Omissions (E&O) insurance provides coverage for the business against negligence claims. This may be due to or a result of the mistake of at least an employee or its failure to perform as expected. There is no one type of Professional Liability insurance that fits all kinds of businesses. This is the kind of insurance coverage that you will need to ask for further details. Each type of business will have its specific kind of concerns. It is best to discuss this insurance policy with a trusted insurance advisor.

Property Insurance

It might be fairly easy to dismiss this type of insurance, especially for businesses or are merely renting their commercial space out. However, little do people know that companies no matter the nature of their property ownership should purchase this type of insurance policy. This is the type of insurance that covers not only the commercial space itself but as well as equipment, inventory, signage, and furniture in the event of a fire, storm or theft. However, most insurance companies do not include massive destruction incidents like floods or earthquake. So if you live in an area that is frequented by such, make sure to ask for a separate policy to cover these two.

Worker’s Compensation Insurance

Once the employees have been hired, it is best to add this type of insurance to the business program you bought. This insurance will cover disability, medical treatment and even death benefits of employees. Also if employees seem to work at low risks zone, a simple slip could cause severe damages. All of these could result with a pricey claim, and the only way to keep the business protected is to buy insurance today and have them work with utmost ease, knowing that the company cares enough for them to provide them with insurance care.

Now, which of these insurance programs do you have to add to your insurance purchase?

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2 years ago · by · 0 comments

How Much Car Insurance Do You Need?

You probably think all car insurance policies are the same. Nobody could blame you for feeling such considering that most insurance companies promote their policies in the most exciting way they know how. Some of them highlight the benefits that you can avail of if you purchase your insurance coverage from them, while others will speak to you about the savings you can get when you buy from them. However, what most car owners should realize is that every car insurance provider has got a different set of benefits to offer. All you need is to find the one that suits you and your needs.

Every car insurance program is different. There are those that offer higher personal injury coverage while others include the damages that may be caused to the other car or property involved in the accident.  And then some programs provide a comprehensive coverage. When dealing with various types of car insurance programs, it is reasonably easy to find one’s self-confused as to which of these programs are perfect for your needs.

How much car insurance coverage do you need? The best way to know is to talk with an insurance advisor. You can talk to them about your concerns. They can give you advice on the most efficient way of getting yourself covered. The next best step to take is to talk with your insurance providers. It is probably wise to ask your home insurance or personal insurance coverage provider if they will cover own injury protection. You won’t need to spend much on personal injury protection if the other insurance programs that you have will include it.

However tempting it may be to get yourself underinsured, it is always best to get an adequate coverage when it comes to car insurance. Whether you travel across town or mostly go on out-of-town trips for your work, it is best to purchase insurance that will cover your needs. Being underinsured may mean lower monthly premium, but it could mean more cash-out for you in case of an accident. That would not mean big help at all. Instead, it will cause more problems on your end.

If you have to choose which type of coverage you should require, then, it is best to get collision and comprehensive insurance to make sure that your car will be repaired or replaced in case of an accident. These policies come with a deductible. Make sure to consider the many factors that come into play when buying car insurance. Ask your insurance advisor about it to get the most out of the policy you are buying.

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2 years ago · by · 0 comments

Three Things You Never Knew Could Affect Home Insurance

Whether you are buying home insurance coverage for the first time or are looking at purchasing another program from a different company, dealing with all the paperwork can be quite confusing. The clauses that are contained in each policy mentioned should be carefully thought of. Apart from confusion, knowing very little about the home insurance coverage you intend to could mean higher cost from your end too. Your monthly premium for your homeowner’s insurance could mean thousands of dollars cut off your family budget.

There are some ways you can reduce home insurance costs. If only you knew where to look or who to ask about it, you could have saved more over the years. But there are also several things that you do that you didn’t know could affect your home insurance policy. Here they are on a list:

First, choosing not take part in the home owner’s organization in your area could mean higher costs for your insurance. Although it may seem as if such membership merely is for community development and outreach, they come with more benefits than you think. Most of these Homeowners Organizations are affiliated with home insurance companies. That’s why your membership could entitle you to claim discounts for your monthly premium. If you don’t sign up for membership thinking you can save on membership costs, think again. You might be missing a lot of discounts you can avail of.

Second, did you know that being a smoker could mean higher insurance premium? Smoking inside the house or around its premises could lead to potential fires that’s why most insurance companies charge more when the homeowner is a smoker. However, if you are a non-smoker, it is best to ask the insurance provider if they can offer discounts for you. The leading insurance carriers provide a special insurance rate for those who don’t smoke. If you’re thinking about quitting, this may convince you, even more, to stop smoking.

Lastly, have you recently retired from a job? If you just did, then you should let your insurance provider know that you are. Being retired from work meant being at home most of the time, which also meant being able to attend to your home more often than you used to when you were working. This fact lowers the risk of unwanted accidents in the house that could cost the insurance company for coverage. Ask your insurance provider about the special discount they could give for retired personal like you.

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2 years ago · by · 0 comments

Small Business Insurance: What Do You Need?

Most people dread calling their car or home insurance provider know that the renewal of their policy would mean higher costs. When you are just starting out in business, calling insurance companies for a quote can be quite a daunting task – but it doesn’t have to be. Navigating through the complicated realm of business insurance can be quite scary, especially for beginners, but with the help of insurance advisors, you will learn more about the policies offered and the coverage required for your type of business.

Armed with the most basic of information about business insurance, you are confident in making wise choices when it comes to insurance coverage for your business investment. Does this mean you have to buy the most comprehensive of them all? In some cases, you may have to, but it all depends on the type of business and industry you are in.

Is there such a thing as compulsory insurance? When you start your business, the government may require you to purchase the most basic of the policies offered to business owners, with no exceptions. However, it is imperative that you ask the coverage needed for a small business like yours. This is to ensure that you can comply the essential requirement and avoid penalties in the long run. More than that, knowing the requirements for insurance coverage for your business helps you avoid jumping into policies that you don’t need and end up paying more than you should.

If your business requires you to employ personnel, then your policy should include worker’s compensation insurance. If the worker gets injured while at work, the law requires you to assist and this is the kind of insurance coverage that will help you provide that. The company doesn’t have to shell out a lot of money to pay for the employee that has not rendered work. Apart from that, this is the type of coverage that you will need to cover the medical expenses that the employee may need to be able to recover.

If your start-up company also owns a car used to deliver supplies or pick-up orders, then you will also need to purchase car insurance. This will cover the claims that may be made against you by a third party. Such type of coverage will genuinely save the company from potential losses. Be sure to check with a trusted insurance advisor upon the registration of the company vehicle.

It can be quite tricky to pick the insurance coverage to buy for your start-up company, and it would help to talk to the experts. It is wise to speak with an insurance advisor before you make any decision to purchase.

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2 years ago · by · 0 comments

Smart Ways To Save On Home Insurance

There is no denying that the cost of home insurance today is ballooning by the minute. It is like there is nowhere else to go but up. However, no matter how seemingly expensive home insurance may be, it is the only thing that will help you in times of need. When something happens to your home and you don’t have the right amount of insurance, or you don’t have insurance coverage at all, there is nothing else that you can do but cry.

Luckily, there are several ways you can save on insurance costs that do not require you to underinsure. Here are some tips to help you do it:

· Check the pipes. Or better yet, call the expert plumber and have the pipes checked. Before you sign any home insurance policy, make sure that all the pipework in the house is clean and in excellent condition. Having the pipes checked and insured that they are in excellent working condition can help reduce your home insurance rate my as much as 20%. This may seem small for some, but having the pipes checked also gives you peace of mind and that’s something more valuable than anything.

· Update your home technology. Have the latest fire sensors or have those security cameras installed at every corner of the house. These may seem expensive if you only think of them as is, but when you consider them an investment for your safety and security, you wouldn’t have to think twice at all. Did you know such installation of new technology also reduces home insurance? You can only imagine the savings!

· Go green for the economy, the environment, and your protection. When you choose to use LED light technology over others, you won’t have to worry about ballooning energy costs. In fact, LED lights to help bring about savings, without sacrificing quality of lighting inside the home. Go green and go for LED. You’ll see how insurance companies recognize such effort and reduce your insurance rate.

· Be positive about your outlook about making savings when buying home insurance. When you say savings, it does not mean settling for something less, though you know you deserve more. Savings in home insurance means getting the coverage that you want at the price you can afford. Don’t be afraid to ask for homeowner’s discount. Some insurance companies have such. All you need to do is ask.

Now, which of these do you want to try first?

 

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2 years ago · by · 0 comments

Car Insurance Mistakes You Might Be Making

How much did you spend for your car insurance last year? Although the rate of the car coverage increases every year, there are times when the things that you do are the reason why the cost of your insurance is rising. Is it possible to be able to save on the costs of your insurance? There are several things that you can do. Some of those in this list are mistakes you might be unaware that you are making.

Have you availed of the car insurance discount offered by the insurance company? You might not be taking advantage of the great opportunities that come with buying insurance. Here are some tips you can use to help get the money back into your wallet without choosing lower coverage.

· Choose the Higher Deductible.

Did you know that you can opt for a higher deductible? This is the money that you shell out in case of an accident. If you choose to get a higher deductible, the cost of your monthly insurance premium goes lower. While these out-of-the-pocket expenses may seem higher, it spells out real savings, especially for those who are very careful in ensuring that they don’t get themselves in an accident.

· Show your Driving Record.

Whenever you apply for car insurance, it helps to show your driving record. Insurance companies can take a look at this and offer you something of a lower premium. A good driving record with little to no accidents should help save you a couple of hundred dollars. The record itself will help insurance companies determine whether you are a high or a low-risk client. Don’t be afraid to show them your driving record, especially when it is a good one.

· Be a Defensive Driver.

Did you know that there are several courses you can take on defensive driving? In this day and age when it seems as if everyone is on the road in their vehicles, it helps to make sure that you have an extra set of skills you can use to keep yourself from meeting unwanted accidents. Apart from the skills that you can use and keep for life, you get to save yourself about 10 to 15% off your regular insurance rate. Be a defensive driver today and in the years to come.

· Be Cautious with the Car Model you Buy.

If you are planning to replace your vehicle, make sure to choose the unit that comes with some safety features. Anti-lock, airbags, as well as rear-view cameras, are a must. These safety features will not only keep you safe while on the road, but they could help you save on your overall insurance premium too.

Make the most out of your insurance with these tips, and you never have to wonder whether you are getting the right rate or not.

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2 years ago · by · 0 comments

Home Insurance Hacks: How Do You Save On Costs?

Home insurance can be quite expensive and confusing all at the same time. However, what most homeowners fail to see is that there are several ways they can save on home insurance costs. If they know where to look and what to look for, they won’t have to worry about spending so much on the monthly home insurance premium.

Here are the top five ways  to help you save on home insurance costs and lower your monthly premium as well:

Tip 1: Compare Costs of Leading Insurance Companies in your Area

No one insurance company can provide the best insurance coverage for all the residents of Canada. This may sound surprising, but it is true. What homeowners fail to realize is that the home insurance policy that worked for a good friend may not precisely be the comprehensive homeowner’s insurance that will suit them. It is essential to choose an insurance policy that will cover everything that you want to be protected. The best way is to find an independent insurance advisor to get a clear view of what each insurance company offers and which offer can give you the protection you require.

Tip 2: Have an Alarm System Installed

The alarm system is not just for your protection or the protection of those you value. Instead, it is also something that can be used to help reduce insurance premiums. When you have a good alarm system installed, insurance companies will recognize that because it helps lessens the risk on their part as your coverage is an investment for them. A good fire and burglary alarm system entitle you to higher discount in monthly premiums.

Tip 3: Is your Home Weatherproofed?

Weather-proofing your home exterior, specifically, means ensuring that it is ready to receive the harsh effects of strong winds, excessive rain, and even drought. Doing so will help prevent small insurance claims that most insurance companies would appreciate. The small insurance claims that homeowners make is one of the reasons why their premium goes up upon renewal. You may start by trimming the trees as well as the large bushes because they often cause damages to your home.

Tip 4: Replace Damaged Roofing Materials

The roof protects the entire house, and if it is old, outdated and damaged, it may cause more harm to the property than protection. Before you make any insurance purchase, make sure to replace old worn out roofing materials with new ones. If you haven’t replaced your roofing for ten to fifteen years, no might be a good time to have it inspected for damages. Not only will this mean savings on the insurance premium, but it will mean savings in the long run as you won’t be dealing with damages to your home caused by a leaky roof.

Tip 5: Talk to an Insurance Advisor and Get Help

Insurance advisors are there to help you have a full understanding of the policy that you intend to buy. Their job is to make sure that you make a knowledgeable decision as to which home insurance policy you should buy. Ask them the questions that have been bothering you and get the answers that you need. With their help, you can buy the home insurance that you need at the price that you want.

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2 years ago · by · 0 comments

Car Insurance Myths Explained!

How much of your car insurance policy do you understand? If you hadn’t read the policy itself but signed up for it anyway, then you are much like everyone else. Most car owners have not read their policy before they signed up for it. Some of them trust their insurance advisor about the details of the policy that they no longer go through it until they get in a car accident and they need to know if the insurance covers it or not.

Here are some of the most popular car insurance myths that every car owner should understand more:

· You can only shop for a new car insurance policy when the old one has expired.

In truth, buying new car insurance when the old one has expired might be a bit too late. Considering the paperwork that needs to be done to process the insurance coverage might take a few days to process, which means you might be driving your car around town without insurance. This is putting your car and yourself at risk. The best time to look for new car insurance is about three months before the old one expires. If you don’t have plans of renewing the old insurance coverage, make sure the new one is ready when the old one’s coverage ends.

· Buying insurance direct from the company instead of talking to an insurance advisor is much cheaper.

While insurance companies offer a slightly different rate for car owners who directly make the purchase from them instead of going through an insurance agent, this doesn’t necessarily mean savings from your end. Most insurance companies use such money for more marketing and branding their insurance products. However, going through an insurance advisor might mean more understanding on your end about the product you are buying. With more knowledge of what you are buying, you get to enjoy more of what it has to offer.

· If your friend who borrowed your car gets in an accident, the insurance company will not cover it.

Unless stipulated in the insurance policy, insurance companies are required to cover accidents when the vehicle insured is involved. Comprehensive and collision coverage are just two of the essential components of a car insurance policy, regardless of who is driving the car at the time of the accident.

Unlocking the truths in these car insurance myths makes buying car insurance so much more comfortable. When you know what you are looking for, finding it won’t be that hard.

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