Managing Risk Against Theft of Property, Equipment and Automobiles

Posted by OTC Blogging Team on Jul 29, 2021 8:24:16 AM

Risks, exposures, and liabilities for contractors have changed over the years, and could leave you unprotected if something does go wrong. Let’s have a closer look at Commercial Vehicle and Contractors Equipment Risk Management. 

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Topics: Commercial Insurance

Considering Solar Power for your Home, consider this

Posted by OTC Blogging Team on Jul 22, 2021 8:14:33 AM

Solar power is one way that homeowners can have more control over their energy future while reducing carbon emissions, and improving air quality. Solar Photovoltaic (PV) systems can help reduce your energy bills on average $1,750 per year, but they can also have an impact on your insurance so make sure you understand the implications on your policy.

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Proactive Water Leak Response Plan

Posted by OTC Blogging Team on Jun 15, 2021 9:04:07 AM

A leaky tap, broken pipe or faulty appliance happens to everyone, but do you know whom to call or what to do when it happens?

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Topics: Home Insurance

Secondary Property Coverage: What you need to know

Posted by OTC Blogging Team on Jun 14, 2021 10:17:34 AM

Insurance is a must for every homeowner to have. Did you know you should also have proper protection for your secondary properties as well? Secondary properties are homes you do not occupy on a full-time basis such as a cottage or a vacation property. Not sure what you need to know about insuring your secondary properties? We’re going to give you some details you should have in hand to make sure you have the proper coverage to keep this type of property safe!

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Topics: Home Insurance

What you should know about Builder’s Risk Policies

Posted by OTC Blogging Team on Jun 14, 2021 9:55:50 AM


Each construction project comes with its own special requirements and challenges.  And, the window of unpredictable events that could disrupt your new build could turn your creation into ruin.  Are you sure that your insurance program has the proper coverage while your building is in the course of construction?

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Topics: Commercial Insurance

Commercial Underwriting in a Hard Market

Posted by OTC Blogging Team on Jun 14, 2021 9:03:52 AM

Insurance industry cycles are believed to last from two to ten years and are usually affected by world events and natural disasters. Unsurprisingly, the COVID-19 pandemic has caused a hard market for commercial underwriters.

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Topics: Commercial Insurance, commercial property insurance

Distracted Driving can mean a ‘major’ conviction

Posted by OTC Blogging Team on Jun 4, 2021 1:27:00 PM

According to data from Transport Canada’s National Collision Database, distracted driving contributed to an estimated 20% of fatal collisions and 21% of serious injury collisions in 2018. These statistics are part of an upward trend of distracted driving-related collisions, up from 16% of fatal collisions and 17% of serious injury collisions a decade earlier.

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Topics: Auto Insurance

Are you covered against pollution?

Posted by OTC Blogging Team on May 31, 2021 1:26:55 PM

If you own a property or a business that has a possible pollution risk, you need to make sure you have insurance protection against liability. Even if you think you're insured, depending on your current policy, the cost of cleaning up petroleum spills, oil or other contaminants may not be covered. If you are susceptible to pollution, you may want to look into separate pollution coverage.

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Topics: Commercial Insurance

Boating Safety

Posted by OTC Blogging Team on May 27, 2021 8:50:56 AM

Boating is a fun way to enjoy the water, but do you know the rules and regulations that govern Canada’s waters? In addition to making sure your boat is properly insured, basic boating knowledge is also a must as is a Pleasure Craft Operator Card that can be obtained by taking a boating safety course or by passing a boating safety test from a Transport Canada accredited course provider.  Taking the boating safety test is not only a great way to build boating confidence but to also be prepared and educated for every circumstance.

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Topics: Boat Insurance

What to keep in mind when planning your next home renovation

Posted by OTC Blogging Team on May 25, 2021 8:25:00 AM

Thinking about rolling up your sleeves to make improvements to your home? Whether the job is minor or an overhaul, as a homeowner, you have to think about who, how, and the expense of the project. Another key element some homeowners forget is how this change will impact your home insurance. Below are some important things to keep in mind while planning your next home renovation.

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Topics: Home Insurance

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