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KnowledgeConfidenceInsurance done right

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

10
Jan
Claudio
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Auto Rates: Trends you should know about

Since about 2003, insurance rates have been steadily decreasing as the insurance market entered the “soft” cycle (prices are down and competition is up). While some people’s insurance seems to go up (could be based on driving record), on the whole the trend has been down. You need to know that this is going to […]

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8
Jan
Claudio
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Business Insurance: Case Study #1

In my Case study series, I will offer you a look at highlights of an insurance package for fictional companies in various industries. So let’s pretend that I am a contractor C’s Renovations Inc.

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30
Dec
Claudio
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Life Insurance Planning: Thoughts for A Young Adult

Most young people don’t have a life insurance policy. Those that do, get some cheap term insurance for some high value and let it ride until they are older and at the urging of a spouse or loved one, they revamp it and change the policy around. If they were properly counseled, they would invest […]

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20
Dec
Claudio
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Group Benefits Plans Strategies: Stop Loss is key for business owners

While reviewing a group of quotes before presenting them to my client, I ran across a scenario that i wished to discuss. Right off the bat I should say that a defined benefits plan is not a cheap thing to buy but it is a very important purchase for any company from emerging to mature. […]

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18
Dec
Claudio
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Business Insurance: Shop for a broker before you shop price!

So you haven’t seen you broker in a while. Tired of speaking to a new person every time you call the office? Has your broker retired and sold his business to some person you don’t know? You are not alone. There is allot of change going on in the insurance industry. Business insurance rates are […]

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15
Dec
Claudio
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Ontario’s Assistive Devices Program – Know the Facts, Use the Service

The Ontario Assistive Devices Program is a program that you should know about. This program can provide up to 75% of the cost of an assistive device needed for long term disabilities. In order to be eligible, you have to have a valid Ontario Health Benefits card (in your name) and have been disabled for […]

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13
Dec
Claudio
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Selling Insurance on Facebook: A double edged sword

Facebook has made a savvy computer guy extremely rich and is extremely useful as a social networking tool. There was an article in the Toronto Star, written by Chris Sorensen dated Monday Dec 10th, 2007 that titled “Face it, we love our Facebook” that tells us about 8 Million Canadians have a Facebook account – […]

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10
Dec
Claudio
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Insurance Terminology: Co-Insurance

Business insurance policies can vary from the simple to the complex but they all follow a certain format and pattern progressively become more complex as the risk increases. One clause that is present in all business insurance policies and rarely explained properly is the Co-Insurance Clause.

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5
Dec
Claudio
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Self-Employed and Contract workers: A health benefits Checklist

As a self-employed individual, you face the choice of saving up money for the occasional dental visit and/or prescriptions, but did you know that those benefits are actually costing more money that you think?

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4
Dec
Claudio
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Critical Illness: The New Face of Group Benefits

Fact: According to Stats Canada – 32% of all male deaths in Canada (2002) and 34% of all female deaths in Canada (2002) were due to cardiovascular disease. http://ww2.heartandstroke.ca Fact: An estimated 159,000 new cases of cancer and 72700 deaths from Cancer will occur in 2007. http://www.cancer.ca Okay so people are going to get sick […]

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