Apr 22

Part of a great team

It’s always nice to be recognized and even nicer when this happens:



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Feb 02

More Uber good news

As brokers in Ontario, we receive product updates from insurance companies often. Here is one that applies to ride sharing and is an industry first:

uber_animated-gif Read the rest of this entry »

Jan 06

Uber good news!

With the surge in use of Uber around the world, it was only a matter of time before insurers started responding to the risk of having everyday people take on passengers for hire. The main problem that they are addressing is Liability Coverage.

You see, while Uber says that they have insurance coverage (I’ve read $5,000,000 CGL limit), this doesn’t translate to YOU having $5,000,000 liability when you take on a passenger. In fact, Ontario auto private passenger insurance policies specifically exclude carrying passengers for hire and if you are found in breach of this, your coverage is void. So imagine an accident with multiple passengers… you are on the hook for allot of money.

All this is slowly changing though. Aviva just announced:

To all broker partners across the country

Responding to the growing use of ride-sharing services and the need to protect both passengers and drivers, Aviva Canada is excited to announce the launch of coverage for drivers that carry paying passengers in their own vehicles.

The coverage will become available for Ontario drivers in early February, and is a simple addition to an Aviva-insured personal auto policy. Aviva will be working with regulators across the country to make the solution available in other provinces in the coming months.

“With ride-sharing on the rise, consumers have new options available to them, however there is a gap in insurance coverage which potentially leaves them without appropriate protection and benefits. When consumer needs change, we must evolve our insurance solutions to respond,” said Greg Somerville, President and CEO of Aviva Canada. “We’re excited to offer a simple and affordable solution within a driver’s existing personal auto policy, thereby providing drivers and passengers with absolute peace of mind that they have insurance coverage while ride-sharing.”

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Nov 01

Basic Home Insurance Explained

Great little video about the basics of Home insurance

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Oct 26

Basic Health Insurance explained

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Oct 23

Amazing Video that I wanted to share

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Oct 23

Cyber: From Breach to Extortion

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Feb 10

Claims examples: IT industry

In my business, I run across professional liability insurance daily and one of the most common comments i get is from IT industry personnel who are forced to obtain much needed errors and omissions coverage contractually is, “i have been doing this for “x” years and I’ve never had any issues or been asked for this.

In it’s quarterly news blast, Encon Insurance, a leading professional liability provider in Ontario gave some really great claims examples which I list here:

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Nov 18

The Do’s and Don’ts of a Paramedical Exam!

Thanks to a great newsletter from our colleagues at ExamOne for this:

Do’s and Don’ts

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Aug 15

COOOOL! (yes i just wrote that)

With all the talk of Telematics in the Auto insurance world, Kanetix.ca has released an amazing application:

Kanetix has a FREE app to determine whether or not an individual driver would benefit from telematics.

DriveSmart automatically records any motor-vehicle trip you take and will grade your driving on the most important components that will be looked at in usage-based insurance program.

The app is always on, so there’s no need to start and stop it. Just keep your phone in your pocket or your bag.

DriveSmart automatically records any motor-vehicle trips you take. You can view the distance, duration, and score for each trip. Drivers with an average score over 70 are considered safer drivers, and will likely benefit from a usage-based insurance program.

A progression graph that shows how your scores have changed.
Customizable time frames to view your scores, distance driven, average speed, and more.

Badges that are earned for good driving techniques.

Battery use
The app consumes battery power, so nightly charging is recommended. With typical phone use, a smartphone running DriveSmart should have enough battery power to last all day.


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