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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

1
Nov
Claudio
1 Comment

The Penny – Useless Coin or Financial Opportunity?

Loose change – I hate it!  It rattles around in your pocket, jiggling with your keys, falling out when you pull out cards and cash – it is intolerable!  Like many other Canadians, I detest spare change.  In fact, when I break a bill, I usually drop it into my change bin at home or […]

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31
Oct
Claudio
2 Comments

Stop yelling at the CSR you jerk!

I wanted to break away from an informative post to focus on the back-bone of insurance brokerage: The customer service representatives a.k.a CSR’s can be a very good friend to have in a brokerage. Here is how it breaks down: usually you will have a producer who is the sales rep (sorry guys and gals […]

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30
Oct
Claudio
526 Comments

How to Cancel an Insurance Policy – the Do’s and Don’ts

I want out! It has come time to cancel your insurance policy – how exactly is it done?  Is it as complicated as the policy wordings?  Well – No!  It is actually pretty easy!  Of course, it’s a simple conversation if you have an easy-going insurance broker, otherwise it might come with a bit of […]

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25
Oct
Claudio
2 Comments

Life Insurance – Money to help your family deal with your death

Earlier this week (Oct 22/2007) , I discussed the importance of making a will and how a life insurance broker can help you to figure out your estate and discuss the various ways of funding it. I mentioned that a life insurance representative could explain to you the role of the executor and since I […]

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22
Oct
Claudio
No Comments

Make a will now because you can’t make it when you’re dead…

Making a will is a very difficult thing to do because you have to pick apart your estate, come to grips with your mortality and face the fact that you aren’t going to live forever. I had a hard time with it because I had to figure out who was going to raise my son […]

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19
Oct
Claudio
1 Comment

Critical Illness Insurance – If not for you, get it for your child

WARNING: This article will discuss a subject that you may not feel comfortable reading. As a parent myself, it is very difficult to write. Reader Discretion is advised.

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17
Oct
Claudio
1 Comment

Reclaim 4 years of tax charged on your ATV Insurance

After reading the most recent Registered Insurance Brokers of Ontario (RIBO) Bulletin, it was obvious that some ATV enthusiasts may be very pleased. My duty as a Blogging Insurance Broker is to inform and educate, so let me tell you about a little tidbit regarding ATV Insurance Premiums. Believe it or not, but the insurance […]

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16
Oct
Claudio
2 Comments

Car Colour vs. Insurance Rates, Does it matter?

I was reading an article in the Toronto Star Oct 15th regarding car colours. Apparently, Silver is still the number one colour for vehicles. The article cites various reasons people prefer Silver cars including how some equate silver to money, or how silver is a colour that doesn’t get as dirty. What does the colour […]

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11
Oct
Claudio
No Comments

Do-it-yourselfers take note, your home shop is hazardous

Being an aspiring Do-it yourselfer, I have started accumulating many tools – from a table saw to compound miter saw to multiple drills and router bits.  There is something uniquely Canadian about visiting Home Depot or Canadian Tire on the weekend and ogling that new Dremel or Powerwasher.  If you’re not careful, you could end […]

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9
Oct
Claudio
No Comments

CRASH! What do I do at the scene?

Oh no – you got into a car accident – what do you do? If you were me at 18, you would step out of the car really shaken up and then sink on your knees on the grass and yell hysterically, “I actually wrecked the car! My dad is going to kill me!!!” Well, […]

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