OTC Blogging Team

Recent Posts

Closing your cottage for the winter: A guide

Posted by OTC Blogging Team on Nov 23, 2020 12:12:15 PM
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Topics: Home Insurance

Safety tips for outdoor patio heaters and fire elements

Posted by OTC Blogging Team on Nov 20, 2020 8:05:00 AM
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Topics: Home Insurance

Is your property prepared for winter?

Posted by OTC Blogging Team on Nov 19, 2020 9:16:13 AM

Summer has ended and the days are getting cooler and you know what that means – it’s almost time to close your seasonal cottage or prepare your manufactured home for the winter. 

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Topics: Home Insurance, About OTC Insurance

Protecting yourself against tow truck fraud

Posted by OTC Blogging Team on Nov 17, 2020 7:28:23 PM

Earlier this year, the Ontario government announced they are creating a task force to regulate the towing industry to help vulnerable drivers who are being taken advantage of by fraudulent tow truck drivers, repair shops and rental companies.

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Topics: Auto Insurance

Road Safety – Whatever the Weather

Posted by OTC Blogging Team on Nov 14, 2020 8:52:46 AM
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Topics: Auto Insurance

Preventing water damage during construction

Posted by OTC Blogging Team on Nov 7, 2020 1:36:35 PM

Water damage to a business, regardless of how it happens, can lead to mold growth, costly litigation and financial loss. In addition to direct costs associated with cleanup, material replacement, equipment repair and mold remediation, water damage incidents may lead to significant indirect costs associated with construction delays and business interruptions.

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Topics: Business Insurance, Commercial Insurance, Overland Flood Insurance, commercial property insurance

Online Financial Scams

Posted by OTC Blogging Team on Nov 6, 2020 11:20:48 AM
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Topics: Commercial Insurance

Are you covered to work from home?

Posted by OTC Blogging Team on Oct 26, 2020 4:50:00 PM

Before the COVID-19 pandemic, there are about 1.17 Million employer businesses in Canada, and of these 1.14 Million (97.9%) were classified as small businesses. Now, most of them are forced to work from home.

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Topics: Commercial Insurance, Home Insurance

The Importance of Crime Coverage

Posted by OTC Blogging Team on Oct 21, 2020 4:50:17 PM

Technology is ever evolving. Because of this, cyber and economic crime has also evolved and increased. According to Stats Canada, in 2017, one in five Canadian businesses reported a cybersecurity incident that affected their business. A 2018 PwC study found that 55% of Canadian companies experienced economic crime in recent years. It is because of the steady increase in crimes that many insurance companies now recommend Crime protection in addition to traditional business insurance. The enhanced commercial lines Crime offer provides higher limits, broader coverages, and coverages that were either not previously available to all customers or required endorsements.

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Topics: Commercial Insurance, Cyber Insurance

Why your business needs Fixed Site Pollution Insurance

Posted by OTC Blogging Team on Oct 16, 2020 6:45:00 AM

Does your business insurance include a land and water extension? Most businesses have Commercial General Liability (CGL) insurance that may protect them in the event of a third party claim for bodily injury or property damage arising out of their premises and operations, but while some CGL  policies include limited coverage for environmental losses, relying on a CGL  to fully cover environmental exposures is not prudent risk management and additional coverage may be required.

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Topics: Commercial Insurance, Environmental Insurance, commercial property insurance

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