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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

19
Nov
Claudio
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Liability Limits – More examples why yours should be higher!

Many people I find are always requesting the absolute minimum liability limit for their professional liability, business insurance, commercial auto insurance or personal home insurance and auto insurance policies.  I find it a challenge to express to people that they need higher and higher levels of liability. Many businesses will increase their liability limit simply […]

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5
Oct
Claudio
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Working out and insuring yourself – hand in hand protection

Maintaining a healthy lifestyle not only helps you live better but it also helps you qualify for cheaper insurance rates for life and critical illness. I recieved an email blast with some tips for working out in spite of a busy schedule: Work out at work: Did you know that more than 15 million Canadians […]

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8
Sep
Claudio
2 Comments

Workers Compensation and Permanent Disability

There are a number of dangerous professions out there in the world that can inflict serious injuries to those who are employed in them. These professions can do more than lay a person up for a few months. They can inflict permanent disabilities that can restrict a person for the rest of his or her […]

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10
Aug
Claudio
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The problem with Bonding

Bid Bonds, Performance Bonds, Labour and Material Bonds – These three guarantees have something in common: Time. I often encounter contractors and manufacturers that ask me about bonding and how it works. They are often taken aback when they find out how long it takes to set up the facility and how involved it really […]

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7
Jul
Claudio
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How to Identify A Stroke

Now doctors say a bystander can recognize a stroke by asking three simple questions: S * Ask the individual to SMILE. T * Ask the person to TALK and SPEAK A SIMPLE SENTENCE (Coherently) (i.e. It is sunny out today) R * Ask him or her to RAISE BOTH ARMS. If he or she has […]

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11
Jun
Claudio
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Bank vs Brokers – the ongoing battle

I recently attended the Ontario Young Broker’s Conference in Niagara Falls on June 4th to June 6th. It was a great mix of fun and work – we spoke about claims handling, the Ontario automobile insurance crisis, the issues with insuring your home to value (subjects for a future article), and the ongoing saga of […]

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20
May
Claudio
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It will never happen to me…

I want share a story that has affected me recently. When recommending coverage to people, the most common response I get is – i don’t need that. I am guilty of that as well. I just recently submitted my application for disability insurance – being self-employed, i am in serious trouble if I get hurt. […]

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28
Apr
Claudio
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Swine flu – information and coverage

The information below is directly taken from http://www.ingletravel.com/en/info/influenza.asp as a way of getting information out to you regarding this potential pandemic. When travelling, it is important to always consider your travel insurance policy – do you have one with your credit card or your auto club? What does it cover? It is really cheap? You had […]

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17
Apr
Claudio
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US Liability – Why it’s so expensive for Canadian Businesses

Whenever I deal with companies that are starting out or expanding to the US, they are often taken aback by my initial warning about the cost of insurance in the US. For example, if a company’s business insurance policy costs $1000 per year for Canadian operations only, it would most certainly double or more once […]

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8
Apr
Claudio
2 Comments

Top 10 Reasons NOT to buy Critical Illness insurance – a larf :)

I was just visiting one of the offices from which I am associated and I notices a funny photocopy posted on a cabinet door with the above title written in bold. The list is an exaggerated one with the intent of demonstrating to Canadians that Critical Illness coverage is needed for living, not for dying. I […]

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