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Knowledge

Our business is Insurance so that yours doesn't have to be. Ask us questions - we are happy to help!

Confidence

Taking the time to explain your insurance so that you know exactly what you are buying

Insurance done right

Our promise is to give honest and effective advice; whether you do business with us or not!

Insurance Help Canada: Together, we will help with your insurance needs: Errors & Omissions, Construction Risks, Business insurance, Manufacturing, Bio-tech, Tattoo, Malpractice, Bonding and more! Need help? Ask!

Contact Us
Insurance Help Canada
Call today within Greater Toronto: (416) 862-5605 Broker: Mitchell Sandham Inc. / Mitchell Sandham Financial Inc. 2016 Top Brokerage in Canada - Insurance business magazine , Career Ambassador - Insurance Institute of Canada 2000- 438 University Ave Toronto, Ontario M5G 2K8 Fax: (416) 862-1360

About Us

Insurance Help Canada is an web log (blog) introduced to serve as an online forum to discuss topics within the insurance industry that are usually sold and never explained. Our goal is to discuss various mainstream topics and how they relate to insurance, and I promise to try and make it more exciting than watching […]

Insurance Products

Business Insurance:   The Basics: Click Here for an article about business insurance basics Property Insurance: as diverse as there are products, property insurance can range from the physical (Building, Equipment, Stock, Displays, Work in Progress, Autos etc.) to  Intellectual property Liability Insurance: Protects you against 3rd party claims including: Bodily injury & Property Damage […]

Insurance Terminology

Here is a partial list of the most common insurance terms relevant to Canadian residents and businesses. Accidental Death Benefit Provides a benefit in the case of accidental death in addition to base amount of coverage. Agent The insurance company (Canada Protection Plan) representative and adviser who sells insurance policies to consumers. Anniversary Year Any […]

Free Quote Request

First Contact Page Your Name(required) Company Phone Number(required) Email(valid email required) Which services are you interested in? (Check all that apply) Business Insurance Life Insurance Home Owner’s Insurance Auto Insurance Property & Liability Group Benefits Professional Liability Financial Planning Contractor’s Insurance Packages Bonds Message I give permission for my information to be used for the […]

Our Blog

11
Feb
Claudio
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Home Insurance Woes

I heard a funny story this weekend and I had to answer an insurance questions related to it. The story is centered on a friend of mine, who was out salting his property. While pouring salt, he slipped and fell giving his backside a good smack. He thinks he is going to be out of […]

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7
Feb
Claudio
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CBC Marketplace: Episode about Mortgage Insurance

I just watched marketplace episode on mortgage insurance and it was a very dramatic presentation. It profiled 2 families who thought they were getting a deal with the bank’s mortgage insurance policies and were subsequently denied the pay out at claim time. These policies are underwritten at claim time and are very dangerous things to […]

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4
Feb
Claudio
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Mortgage Insurance On Television: Feb 6, 2008

This week on the CBC they will be airing a show about Mortgage insurance – Wednesday February 6, 2008 at 7:30 (http://www.cbc.ca/marketplace/). I am told that the focus is on Bank Mortgage Insurance Application forms and how many have been poorly completed and claims have been denied. I will state for the record that I […]

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1
Feb
Claudio
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Business Insurance: Manage your risk with a flow chart!

Flow charts are great little tools – they help you visually see processes. If you are like me, you sometimes need a little visual aid to conceptualize the problem (as fun as abstract problems are, nothing beats a good visual once in a while!) When you are determining an insurance policy for yourself, you have […]

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29
Jan
Claudio
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Contractor Insurance: The Cost of a critical illness

The home market has been booming over these past few years and with it, the contracts for renovations and construction has become more numerous. Insuring the businesses of a contractor is fairly straightforward. Like any business policy you start with insuring third party liability, then you insure some property. In the case of a contractor’s […]

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27
Jan
Claudio
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Fighting illness and losing the war

We buried my aunt this past weekend who fought valiantly against breast cancer. For four years she toughed it out and finally succumbed to the onslaught of the disease on Wednesday the 23rd (RIP Zia). I have a friend whose mother is currently waging her own war against cancer. Any time I speak about Critical […]

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22
Jan
Claudio
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Insurance Terminology: Valuable Papers

I recently had a meeting with a client of mine who reviewed the wordings of his business insurance policy and had questions. It is fantastic that he took the initiative and reviewed the wordings – they are long and boring, but there is a lot of information in there that is important for your business.

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16
Jan
Claudio
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Contractor’s Risks: Insuring Survey equipment

On Monday, I commented on an advertisement in Contractor’s magazine and now I found something else to discuss: How to insure specialized equipment. I noticed a surveying machine produced by Topcon Positioning Systems and it reminded me of a policy I was working on last year. This type of equipment can be easily be improperly […]

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14
Jan
Claudio
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TRAIN & RETAIN: Basic thoughts on owner/employee relations

While reading through the November/December issue of Contractor’s Magazine, I saw an advertisement for the worker’s safety and insurance board stating that they have caught over 16,000 unregistered business owners since 2005. This is an alarming number from both the employer and employee standpoint. As the responsible employer that you are, you know that it is your […]

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11
Jan
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The Funny Thing about Replacement Cost

Replacement cost is a term used to describe the cost of replacing an item lost to an insured peril (something the insurance company is safeguarding your item against) based on how much it costs today. The funny thing about this coverage is that is doesn’t apply to everything and in certain situations, you may unintentionally […]

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