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 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 […]
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Our Blog
Parent’s Waivers – Not the protection you think
How many times to we sign waivers on behalf of our children? Waivers for road trips, waivers to participate in sports, waivers to attend the theatre. In a recent publication from Elliot Special Risk, there was an article and a new precedent that has been established in Canadian courts that will directly affect business owners […]
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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 […]
Read More
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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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 […]
Read More
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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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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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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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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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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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 […]
Read More
Parent’s Waivers – Not the protection you think
How many times to we sign waivers on behalf of our children? Waivers for road trips, waivers to participate in sports, waivers to attend the theatre. In a recent publication from Elliot Special Risk, there was an article and a new precedent that has been established in Canadian courts that will directly affect business owners […]
Read MoreLiability 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 […]
Read MoreWorking 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 […]
Read MoreWorkers 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 […]
Read MoreThe 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 […]
Read MoreHow 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 […]
Read MoreBank 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 […]
Read MoreIt 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. […]
Read MoreSwine 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 […]
Read MoreUS 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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