Laura Hurtibese at Al Dorman Insurance Brokers
19150 Centre Street, Unit 1 L0G 1M0

Roof Snow Removal Program for Winter 2021 Each winter, roofs collapse due to heavy snow and ice accumulation. Preventive action is key to minimizing these weather-related losses. Intact will be offering the Roof Snow Removal Program to your commercial and farm customers who proactively protect their business by preventing a roof collapse after a heavy snowfall. When they participate in the program, they will be reimbursed up to $1,000 (taxes included) per building for the safe removal of a heavy accumulation of snow from the roof of a commercial building insured by Intact Insurance. Contact me for more details!

Most insurance policies allow you to customize coverage for additional items such as jewellery, cottages, boats and motors, or extend certain coverages to a home-based business. Things to consider: Do you operate a business out of your home or garage?... Do you own a cottage? Does the value of your jewellery exceed the limit offered by your policy? Your broker is the best resource to assess your unique needs and determine which additional coverages may help protect you and your home.

Overland Flood Endorsement up-date **IMPORTANT FOR THOSE WHO HAVE A POOL** Some companies have applied a new exclusion - Overland Flood Endorsement will show the following exclusion added:... To an outdoor or indoor swimming pool by hydrostatic pressure. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to the loss or damage In many cases, structural failures that occur to pool walls from hydrostatic pressure can be avoided if the homeowner does not drain the pool when the surrounding water table is high. Following the recommendations of professionals for winterizing (which limits the amount drained) is also important. An average in-ground pool can weigh 250,000 lbs. when full. This is sufficient to hold back most hydrostatic pressure.

Storms or natural disasters can have the ability to knock your power out for an extended period of time. During an outage, portable generators can offer temporary power, but there are potential risks associated with the use of these generators. Generators can be dangerous, and can lead to illness and injury, and even death if used improperly. When using a portable generator, it is important to take precautions for your safety and the safety of those in your home. Follow these... guidelines for safe generator use: - Read the manufacturer's safety and operating manual before using your generator. - Never leave your generator running when you are away from your home or business. - Check your generator regularly during operation. - Use caution when touching your generator as many areas become hot and can burn you. Be Sure Generator is Connected Correctly to Avoid Electrical Hazards Electricity supplied by a generator has the same hazards as your regular utility-supplied electricity. You can face additional risks if your generator bypasses safety devices, such as circuit breakers, that are built into your electrical systems. Travelers recommends contacting an electrical contractor or the generator manufacturer for the proper installation of your generator. - Follow the manufacturer's instructions for properly grounding your generator to help avoid electrical shock. - Be sure your hands are dry and that you are not standing in water before touching the generator. - Never plug your generator into a wall outlet. - Plug appliances directly into the generator using manufacturer-specified cords or three-pronged extension cords with the proper amperage rating for the intended use. - Be aware that portable generators become hot while running and remain hot for a significant amount of time after they are shut down, creating a potential fire hazard.

Are you thinking of putting your camper on a rental site to make some extra cash? Make sure you use a trusted site like @Outdoorsy, and add @AvivaCanada 's RV rental endorsement to your insurance policy.

Would you know what to do if involved in an accident? Review the document below. I can email you this form as well. PM me.

This Toronto Sun op-ed gets to the truth of why auto insurance rates are so high in Ontario. #GetRatesRight

New year, new distracted driving laws and penalties in Ontario. Must read!

As of January 1st, 2019, Ontario’s distracted driving penalties are changing. We advise brokers to reach out to their insurance company partners to understand h...ow they will be treating these changes within their underwriting rules. For more information, please visit: https://bit.ly/2EcUTVv See more

It's Working Women Wednesday! Meet Laura Rapley-Hurtibese. When I was looking for car insurance and home insurance she got me a kick ass rate!!! She answered all my questions and gave me first class service. Check her out and see what she can do for you link in the comments.

Attention Commuters! A great read about how to avoid muscle tension in the neck when driving long distances. #rmt #muscletension #neckpain #registeredmassagetherapy #muslcerelaxation #commuters #necktension #musclestrain #wellness #painfree #wellnessjourney #health #wholebodyhealth

Funny insurance commercial, worth the watch =)

Check out this printable winter checklist log, especially if you have a business.

Auto Insurance Fraud in Canada explained. Great video to watch!!

Short video on crime insurance. Feel free to contact me with any questions =)

It is winter tire season. If you have not advised your insurance broker you have winter tires, you could be missing out on a discount.

Networking and a boat cruise, looking forward to it!!

Driving and Heavy Vehicles Make sure the drivers of heavy vehicles can see you. When following a heavy vehicle: Keep a reasonable distance. You must be able to see one of the vehicle's side mirrors at all times. When passing a heavy vehicle: The driver may not see you when you are beside him/her. If you notice the driver start to change lanes, accelerate or slow down so that he/she can see you.... When returning to your lane: After passing, change lanes only when you can see the entire vehicle in your rearview mirror. See more

Classic vehcle business insurance: Specialized business insurance coverage for businesses that help cultivate the future of classic cars. Hagerty has added coverage options for Canadian businesses that buy, sell, restore, display and detail classic autos such as: Restoration shops Dealerships ... Classic Auto Storage Facilities See more

Renters have three common misconceptions about home insurance: 1. Landlord’s insurance protects renters. Landlord’s insurance specifically excludes the personal property and liability exposures of renters. Accordingly, renters need a home insurance policy to protect their belongings, cover extra expenses if their homes are damaged and can’t be occupied, and pay amounts for unintentionally injuring someone else.... 2. Insurance is too expensive for renters. Policies can start from as little as $15 a month. And, most insurance providers offer both annual and monthly payment options. To help reduce costs even further, renters can increase the standard policy deductible. A deductible is the amount the renter must pay before the policy will respond. 3. It’s difficult for renters to get insurance. Of the three misconceptions, this one has some truth to it. Many renters, especially those living with roommates, may have had difficulty getting home insurance. In recent years, providers, like Square One, are actively offering insurance to renters. So, renters are encouraged to shop around to find a policy that works for them.

Identity fraud can happen to anyone. It’s a frightening experience for the individual and a frustrating one for an employer who must absorb lost time, lost productivity and perhaps even lost revenue. Watch this video and share it with others, to increase their understanding of this risk Identity Fraud Expense Reimbursement coverage.

Employment Practices Liability 2 minute video. If you are a business owner with employees take a listen. Do you have this coverage under your policy?