What Kind of Insurance Do I Need for My Hair Salon?

Posted on Monday, June 5, 2017

 

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Have you always wanted to start up a commercial hair salon, beauty parlour or even a barber shop? Not sure what kind of insurance you will need? The short answer: a Retail Package Policy . A Retail Package Policy offers Property, Crime, Business Interruption and Commercial General Liability (CGL) coverage. Check out this infographic for key coverages offered on the Retail Package Policy that may pertain to your business...   Contact your agent or broker if you would like to discuss insurance for your hair salon, beauty ...

 

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Should I Insure My Fishing Gear?

Posted on Wednesday, May 31, 2017

 

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It’s 6 a.m. You stand at the edge of an old wooden dock to take in the beautiful Ontario scenery. The sun is rising and the fog is slowly lifting. The wind is absent and the water is glass. You see a fish surface in the distance, disturbing the reflection of the cedar trees – nice, they’re hitting topwater! You get the boat launched, turn the key and rip over to your favourite spot to wet some lines. You shut the engine off and gently coast inward to a submerged log. This is the perfect place to try out that new baitcasting outfit you ...

 

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What Kind of Insurance Do I Need for My Landscaping Business?

Posted on Tuesday, May 23, 2017

 

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Have you always wanted to start up a commercial landscaping business, but don't know what insurance you will need? The short answer: a Contractor's Package policy. A Contractor's Package policy offers Property, Crime, Business Interruption and Commercial General Liability (CGL) coverage. Check out this infographic for key coverages offered on the Contractor's Package Policy that will pertain to your business: Want to speak to someone in more detail regarding your Landscaping Business? Contact  an agent or broker ...

 

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Should I Insure My Engagement Ring?

Posted on Wednesday, May 17, 2017

 

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You’re engaged? Congratulations! Such an exciting time, but with so many details to think about: DJ or live band? Cake or cupcakes? Insure your engagement ring or don’t? Hmm… I bet that last question has crossed your mind. What happens if you lose your ring while on your honeymoon? What happens if it is stolen? It is important to consider the impact of a loss, especially when you are carrying an expensive, flashy piece of hardware on your ring finger. Keep reading below to see what coverage you may have and why it ...

 

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What Kind of Insurance Do I Need for My Craft Business?

Posted on Tuesday, May 9, 2017

 

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Hey crafters! Are you considering starting a business to sell your crafts, but not sure what you need for insurance coverage? Here is a handy infographic to help you get started:

 

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6 Things Every Ontario Dairy Farmer Should Consider for Insurance

Posted on Monday, May 1, 2017

 

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We have compiled a list of six important insurance considerations for Dairy Farmers of Ontario. These are coverages that some dairy farmers have not taken advantage of, along with examples of why they are very important.     Keep reading to see if these examples may be relevant to your dairy operation…   1. EQUIPMENT BREAKDOWN Consider this example – when you buy a refrigerator, the salesperson will suggest the extended warranty to cover the cost of repairs if it breaks down. Now imagine ...

 

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Is My Boat Covered Under My Homeowners Insurance Policy?

Posted on Monday, April 24, 2017

 

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As warmer weather nears, many people are looking to bring their boats out of storage to get ready for summer. This is also the perfect time to ensure that your boat is properly insured before enjoying our Ontario waterways. Insurance in Ontario is not mandatory on a watercraft; however, your boat is a large investment and should be fully insured, in case of an unfortunate event. Here are some frequently asked questions regarding what is covered on a Homeowners policy: Is my small boat and motor covered on my Homeowners policy? ...

 

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What Kind of Insurance Do I Need?

Posted on Monday, April 17, 2017

 

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We want to make commercial insurance less complicated. As part of our “What Kind of Insurance Do I Need” series, we have created infographics for three business types to point out key commercial insurance coverages and why a business would require them. This week, we look at a bakery owner, a plumber and a low-rise apartment owner. Do you have questions about what kind of insurance your business needs? Let us know!

 

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Why Does My Home Cost More To Rebuild Than What I Paid For It?

Posted on Tuesday, April 11, 2017

 

This handy infographic explains some factors that contribute to calculating the rebuild cost of a home:

 

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AFM declares a 10% Refund of Premiums to qualifying Property Policyholders

Posted on Tuesday, January 24, 2017

 

Ayr Farmers Mutual Insurance Company is pleased to announce a positive year of financial results for the year ended 2016. After meeting certain financial conditions, the Board of Directors issued a refund of premiums to qualifying members in the amount of $1.4 million. This is the 27th refund in the past 31 years the company has provided to eligible policyholders. The company experienced overall steady premium growth throughout 2016. Ayr Farmers Mutual was able to improve Policyholder Equity to $51 million. Chair of the Board, Gerry ...

 

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Ayr Digs Downtown Giveaway

Monday, July 16, 2018

DO YOU DIG DOWNTOWN AYR? We sure do... Enter the #AYRdigsDOWNTOWN Giveaway! We're giving away 4 gift certificates to some of our business partners that are affected by the road work in downtown Ayr! Keep up to ... Read more

Insurance for Buildings Under Construction or Renovation

Monday, April 9, 2018

The thought of building something new is exciting. You’ve saved for a long time to build your dream kitchen, to expand your home with an addition or to build a new barn, workshop or garage. Most people consider ... Read more

Refund of Premium 2018

Friday, January 26, 2018

Within the company by-laws the Board of Directors at Ayr Farmers Mutual is granted the ability to declare a refund from premiums to participating Policyholders. Such a consideration is based on the company’s ... Read more