What types of insurance do you sell?
We sell Property Casualty Insurance. This basically means we will sell general – non life insurance products.
We offer:
What area of Ontario do you service?
We are located in the heart of the Parry Sound – Muskoka area known as the Almaguin Highlands. Our offices are North of Muskoka and South of North Bay. We offer our services throughout Ontario.
What are your office hours?
Burk’s Falls and Sundridge are open at 8:30am and close at 5:00pm (Monday – Friday)
On Saturday, our Burk’s Falls office is open at 8:30am and closes at 2:00pm.
No office closes for lunch.
I have heard that Ontario has a “No Fault Automatic Insurance System”. Does this mean that accidents don’t affect automobile insurance rates?
No. The term no fault refers to a system under which each insurer pays for the damages to their own client’s vehicles and it also means that there is limited recourse to compensation for damages through litigation in our court system. However in every accident, “fault” or negligence is assessed and the party that is deemed to be responsible will have the accident shown against their policy. This may or may not result in an increase in premium dependant upon the rate structure and discounts that were applicable before the accident.
Is my snowmobile or car covered on my property policy when stored in the garage on my property?
No. The property policies contain an exclusion that states that there is no coverage for motorized vehicles other than snow blowers and lawn tractors. Any other vehicle must be insured on an Ontario Automobile policy.
Does the fire and theft coverage on my car also cover the contents of the car such as my suitcase, golf clubs, camera etc?
No. The automobile policy provides coverage for the car and its equipment only. Contents in the car must be provided for on a property policy. Personal contents are usually provided for as contents removed temporarily from ones residence.
Does my car insurance policy covers me anywhere in the world?
No. Your car policy covers you for incidents occurring in Canada, the US and on a vessel traveling between ports of those countries.
If I lend my car to a friend and they get in an accident, do my rates go up?
If you’ve given another person permission to use your vehicle, and they get into an accident that deems it necessary to make a claim, it will be your insurance rates that are affected.
Am I covered for “acts of God” on my homeowner’s package?
“Acts of God” can include many, if not all, possible losses. However the normal items referred to as “Acts of God” such as wind, lightning, hurricane and tornado are covered on home packages. Specific exclusions are included however for flood and earthquake.
If I start to run a business from my home, am I covered?
No. The standard personal home policy doesn’t cover operating a business from your home. However we may have a home run business package to meet your needs. We can provide you with the necessary details to purchase proper coverage.
If I install a woodstove should I inform you?
Yes. Our packages include provisions that the only heat is electric or a central heating system. Therefore it is required that your policy acknowledges that there is supplementary heat.
Is my antique furniture covered on my policy?
Yes. The basic property policy provides coverage for your property even if it is antique. However, it is difficult to evaluate property after many different types of losses. Therefore it is recommended that you discuss your situation with us to ensure that you are fully covered.
Does the fire and theft coverage on my car also cover the contents of the car such as my suitcase, etc?
No. The automobile policy provides coverage for the car and its equipment only. Contents in the car must be provided for on a property policy. Personal contents are usually provided for as contents removed temporarily from ones residence.
Does my automobile policy provide coverage for a rental car if my car is damaged in an accident or if it is stolen?
Maybe. The basic automobile policy in Ontario provides some coverage for loss of use by theft if the policy includes theft coverage either under the “comprehensive” coverage or under “specified perils” coverage. In the event of an accident the basic automobile doesn’t provide any coverage for loss of use. An endorsement is available named “Loss of Use” that provides some coverage for the rental of a substitute vehicle if the insured vehicle cannot be used due to its damage in an automobile accident. Also under the terms of “no fault automobile insurance” if your vehicle is damaged through the fault of another party insured under the Ontario automobile insurance policy, coverage may be provided under your “direct compensation” coverage.
If I start to use my vehicle for any business pursuits should I inform my Broker?
Yes. The rating on an automobile policy is based upon the usage. If a vehicle is being used for commercial purposes your Broker must ensure that the coverage provided and the rate structure being used is proper considering your new usage.
