Skip to main content

Posts

Showing posts from September, 2017

An Insurance Perspective On Legalizing Marijuana

Whether you personally like it or not, legal cannabis is going to be a fact in Canada.  There will be a great many things that will be impacted by this, here is an insurance perspective on legalizing marijuana. Auto Insurance We are all aware of the impact of impaired driving, but up to now it has just been alcohol for the most part.  Though there have been some issues with people driving under the influence of drugs, there has not been an issue with a widely used drug that will be legal. How will the police enforce this, and how will they be able to determine if a person is over the legal limit.  For that matter what will the legal limit be?  The answers to these issues have not been divulged but we can be sure that the answers will be debated no matter what they are. No matter what the result is, there is sure to be wrinkles thrown into getting your auto insurance, even if it just a couple more questions. Home Insurance Now this is a confusing sector when you consider

Is My Car Safe?

Many of us spend quite a bit of time in our cars, whether it be going to work, running errands, driving the kids to sports or just going out with the family.  The question that we should be asking is that is my car safe? When we are going to buy our vehicles there are a almost endless variety to choose from.  Whether it be the type of vehicle you prefer from SUV to Sedan to Mini Van or even to Cross Over.  It may be the brand that drives you, Toyota, Acura, Ford, Hyundai, BMW and Volkswagen are just a small list of the brands available. How safe is the car is one of the most asked questions to car dealers.  The answer will normally be positive as they wish to complete a sale.  A good rule of thumb is to do your research on any vehicle you are thinking about purchasing. To give you a start, the  Insurance Institute for Highway Safety  publishes a list of the safest vehicles yearly.  Below is a list of some of the cars that make their list. THE IIHS SAFE CAR LIST Audi Q7 SUV

It’s Important To Insure Your Small Business

There are few simple facts in the world, one is that it’s important to insure your small business.   Many small business owners think that insurance is an expense that is they cannot justify or afford.  Although it can be pricey it is something that should be budgeted for and considered essential.   Commercial Insurance or Business Insurance protects you from a variety of issues and can be tailored for your needs.  To go over all of the kinds of protection you can get in this would be onerous, it would be wise to speak with your insurance broker to go over your options and to find out what is best for your business. Here are some examples of what is/can be covered for your small business; CATASTROPHIC LOSS With what we have seen recently with wild fires and hurricanes there will be uninsured businesses that will have to close due to these disasters because they did not have coverage.  When a business is covered for these and other kind of disasters the duration you may be clos