Should I Insure My Bicycle?
Posted on Monday, September 25, 2017
Do you tear up singletrack trails, or put serious KMs on your road bike? Is it important that you shave off seconds on your trail or track time? Do you scrub your bike down after every ride, making sure you can see your reflection in it? Chances are that if you answered ‘yes’ to these questions, you care about your bicycle... a lot.
Have you considered how your Insurance Policy would respond if your bike was involved in a loss? In this blog post, we explain what your current Ayr Farmers Mutual Home, Tenant or Condo Plus ...
Should I Insure my Golf Clubs and Golf Cart?
Posted on Wednesday, August 16, 2017
Tomorrow’s office golf tournament came a little sooner than expected. I just got back from trying out a new driver at the range that I had purchased to replace the one that came with my club set. Hopefully my boss will notice!
I wiped away the grass stains and polished the clubs. Kicked off a bit of the grit from my white shoes and packed them away in my bag. My gear looks clean enough to convince someone that I know what I’m doing. I laid my golf bag to rest in the trunk of my car in preparation for ...
Trees, Lawns, Shrubs and Plants - Are They Covered?
Posted on Tuesday, July 4, 2017
When was the last time you thought about insurance coverage for that tree in your yard? Our guess: likely never. We see a lot of damaged greenery this time of year. We find that homeowners are unaware of the Home Insurance policy’s impact on trees, lawns, shrubs and plants. This tends to create confusion about what the policy covers in the event of a loss. So, let’s clear things up! In this article, we will break down the Home Insurance policy wordings into plain language to help you understand the coverage for trees, lawns, shrubs and ...
What Kind of Insurance Do I Need for My Hair Salon?
Posted on Monday, June 5, 2017
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 ...
Should I Insure My Fishing Gear?
Posted on Wednesday, May 31, 2017
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 ...
What Kind of Insurance Do I Need for My Landscaping Business?
Posted on Tuesday, May 23, 2017
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 ...
Should I Insure My Engagement Ring?
Posted on Wednesday, May 17, 2017
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 ...
What Kind of Insurance Do I Need for My Craft Business?
Posted on Tuesday, May 9, 2017
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:
6 Things Every Ontario Dairy Farmer Should Consider for Insurance
Posted on Monday, May 1, 2017
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
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? ...