Broker Insights
March 7, 2026
Living in a high-risk building—such as an older apartment, high-rise, student housing, or a building with prior claims—comes with added exposure that many tenants overlook. In Canada, these risks make tenant insurance not just smart, but essential. What Makes a Building “High-Risk”? Insurers may classify buildings as higher risk due to: When something goes wrong, […]
March 6, 2026
Renting a property to a family member can feel informal and low-risk—but from an insurance perspective, it’s still a rental property. In Canada, failing to structure insurance correctly can lead to denied claims or coverage gaps. Why Family Rentals Are Different Insurers closely examine family-occupied rentals because: Some insurers classify these as tenant-occupied, others as […]
August 29, 2017
Many business owners mistakenly believe that they don’t need coverage for errors and omissions (E&O) or that this coverage is provided by a general liability policy. The fact is, general liability insurance will not cover you for errors and omissions, and anyone in the business of providing a service for their clients can benefit from […]
August 29, 2017
A competitive insurance market is driving the pricing down with better insurance options. Competitive insurance rates for business insurance are most likely going to continue in 2017. The good news is this will allow organizations an opportunity to increase their insurance protection and they can choose a higher limits structure in their current policy or […]