Billyard Insurance Group
3 Watson Rd. South Unit 7 N1L 1E3 Guelph, ON, Canada

More than ever, scammers are trying to get ahold of personal information with the intent to commit a crime for financial gain. Outsmart fraudsters with these steps to prevent identity theft and talk to your broker about identity theft coverage available through your property insurance policy. https://youtu.be/c5ycUJD8jDg #thinkBIG #identitytheft

For the third year in a row, BIG has ranked on the Top Insurance Brokerages of Canada, an award given each year from Insurance Business Canada. It is such an honour to be recognized as a leader in the industry. Even though 2020 was a year of significant challenge, we found ways to innovate and pivot, still seeing incredible growth and resilience of our amazing team! Here's to everyone who helped make this happen https://www.thebig.ca//billyard-insurance-group-named-a-to #thinkBIG #IBCawards

From our BIG family to yours, we wish you an enjoyable day with the ones you love. #happyfamilyday #familydayon #familyday s #thinkBIG

The pandemic has shown how important it is to support small and local businesses and, with the constant changing of COVID-19 restrictions, online avenues have become the bread and butter of many small beauty businesses to stay afloat and serve clients. If you haven’t already transitioned elements of your business online, here are some great ways to expand your business to online services: Create at-home kits and offer online consultations. This can include products for skin... care, hair-dye, nail kits, or other self-care options. It’s a great way to continue serving your clients by providing the products and tailored formulae they love and trust while teaching them how to use the products in the interim. Start an online subscription or membership for online tutorials, masterclasses and other digital content. A membership could also offer product samples or monthly subscription boxes. The subscription model is a great way to maintain some guaranteed income and engage your clients with valuable services from a distance. E-Commerce. If you do not yet display your products online for purchase, now is the time to do it! Showcasing the products you offer will make it easier for customers to support your business and can easily be done through web-hosting platforms such as Shopify and Squarespace. Remember that when you make change your products and services, the risks change along with it. You may need increased liability for your products when you begin selling online, or cyber liability if you deal with sensitive client information online. Our business insurance brokers can help tailor a policy specifically to your business’ needs to protect you from lawsuits that could threaten your livelihood. Contact us today to learn more! #thinkBIG #businessinsurance

You accumulate many possessions over the years furniture, electronics, clothing, jewelry, stuff for hobbies and their value adds up quickly! If your personal belongings were stolen or damaged in a fire or flood, do you know that you have enough contents coverage to replace it? Home and tenant insurance usually include some coverage for your contents, but there may be limits to the amount you can receive if you don't have additional contents insurance. Our latest blog explains how contents insurance works and will help you figure out if you need extra coverage for your valued possessions. https://www.thebig.ca/blog/title/contents-insurance #thinkBIG #homeinsurance #tenantinsurance #condoinsurance

It’s not about how much you do, but how much love you put into what you do that counts. Mother Teresa Sending BIG love to everyone today. #loveBIG #thinkBIG #lovequote

A Happy Chinese New Year to everyone! As we welcome the Year of the Ox, we wish you good health, happiness and prosperity. #chinesenewyear #yearoftheox #thinkBIG

Did you know you can qualify for life insurance in just a few minutes? There are many benefits of life insurance at any stage of life. It can be used to ensure your family can stay financially secure if you pass away unexpectedly. Life insurance can also be used to cover final expenses and outstanding debts, as well as leave a legacy behind through charities or gifts to loved ones. With no medical life insurance you can still qualify for coverage even if you:... have a pre-existing medical condition have been refused coverage in the past work in a hazardous job setting don’t like needles or the hassle of a medical exam just want coverage quickly No medical life insurance is a kind of policy that you can buy without having to undergo a medical examination and still qualify for the coverage you need! You can get approved and get coverage fast by contacting one of our life insurance brokers. Live with the peace of mind that your loved ones are protected. #lifeinsurance #thinkBIG

Maybe you’ve heard the myth that insurance companies have an exclusion for Acts of God (or natural disasters), but the truth is that type of exclusion isn’t something used in the Canadian insurance industry and you can get coverage for natural disasters. So, does this mean you are covered for ALL natural disasters? It’s not that simple; a lot of it depends on the coverage you decide to purchase with your insurer. A typical home insurance policy may cover you for natural d...isasters such as wildfires or hailstorms, but your broker will offer you extra coverage that does not come with a base home insurance policy such as flooding, sewer backup and earthquake coverage. Consider carefully when you shop for insurance and weigh the risks to your home because without these endorsements on your policy, you will have to pay out of pocket for any damage to your property. It’s usually better to be safe than sorry. Purchasing the additional coverage for natural disasters will provide the peace of mind and financial stability you need in the middle of a crisis. The winter is a time of extreme weather changes that may put your home at risk. Take the time to review your home insurance policy with your BIG broker today and be prepared for any adverse weather that may impact your home. #thinkBIG #homeinsurance

When you rent a vehicle, you should have insurance in case of an accident, injury or theft. While rental companies offer insurance packages at the time of booking or pick-up, it’s possible that your current auto policy or credit card provides all the coverage you need. Read our latest blog about rental car insurance coverage and speak with your broker to learn more about your personal policy details. https://www.thebig.ca/b/title/rental-car-insurance-coverage #thinkBIG #carinsurance

Fire is a leading cause of home insurance claims but it’s also preventable. Whether you rent or own your property, you should have a fire extinguisher onsite. Here are some tips on what to look for when you buy one. https://youtu.be/QGnf4rL3ddo #thinkBIG #homeinsurance #firesafety

What type of Home Insurance do you need? Billyard Insurance Group-Guelph offers affordable protection for your home and all your belongings. BIG-Guelph has Insurance solutions for: Homeowner Insurance Condo Insurance Seasonal Property Insurance Tenant Insurance... Call or Click to get your personalized #Insurance Quote with one of our BIG-Guelph Brokers today. 226-780-0802 www.thebig.ca/guelph See more

Does applying for a credit card affect your credit score? When you apply for a new credit card the financial institution or provider will do a hard credit check to see your track record as a borrower. A hard credit check does negatively impact your score because it implies that you are in financial need. Luckily, the dip in your credit score is usually only be a temporary, granted you manage your credit responsibly. In the long term, using your credit card wisely will posi...tively impact your credit score when you meet payment deadlines, pay off balances and use below 35% of your overall credit available to you. Receiving additional credit and increasing your overall credit limit will also improve your utilization ratio (the amount the of credit you use vs. how much credit is available to you). The less credit you use overall, the better your score will be. On the other hand, applying for multiple credit cards or loans in a short period of time will have a more detrimental effect on your score. If you plan to apply for a loan or mortgage in the coming months, hold off on applying for a new card so that your credit score is unaffected by multiple hard checks. As you build your credit and get on track with your finances in the new year, contact one of our financial advisors at BIG, we would happy to help you reach your financial goals for 2021 and beyond! #thinkBIG #goalsfor2021

Your first experience on a big highway can be intimidating and scary, but with this little guide to highway driving, you’ll be confident in no time! Do you remember your first time on the highway? Share your stories with us in the comments. For your first experience, pick a quieter time of day and low-traffic location. Also avoid poor weather conditions. Start off in the right lane to help maintain your speed and interact with traffic entering the highway.... Leave enough space for lane changes approximately 4 to 6 seconds of space around you. Check your mirrors and blind spots before changing lanes and use your turn signals. Keep a wide viewpoint looking further down the road and in your rear-view mirror to continually observe what’s around you. Keep calm and stay focused by putting all distractions away. Make sure you are properly insured on the vehicle you drive Keep practicing and with these tips and you’ll be on your way to being a confident highway driver! Stay safe on the roads and give us a call to talk about your insurance coverage. #thinkBIG #newdriver #gotmylicense

If the instability of our current situation has taught us anything, it’s that we must be prepared for financial emergencies. We have no idea how long COVID-19 will continue to impact our jobs, our economy, and our lives, but no matter where you’re at, you CAN be financially prepared! Here are some goals to help you become financially secure in the days ahead. Pay off high-interest consumer debt ASAP. Talk to your bank about debt relief programs or look for a low-interest c...redit option that offers a balance transfer, making your debt more manageable. Find a low-interest option for borrowing such as a low-interest credit card or line of credit. Use this ONLY as an emergency safety net. Plan a crisis budget to know where you can cut back in hard times. You may have to adjust your lifestyle by prioritizing fixed expenses, savings second, and extra indulgences last. Get back on track with your savings ASAP. With the magic of compound interest, even saving a tiny amount of $25 per week can help soften the blow of unplanned expenses in the future. Remember your long-term plan for investments. The markets took a hit, but they will recover, so keep investing if it’s within your means to do so. You may also consider adjusting your risk tolerance. If you have questions about budgeting or investments, our financial team at BIG would be happy to help you get back on track with your financial plan! Visit our website or give us a call for more details. #financialadvice #financialliteracymonth #thinkBIG

Business owners greatly influence the culture of their business. Maybe you’ve started up a new business, or you’ve stepped into a senior leadership role and there are some things you’d change. Navigating a culture change at work takes time and patience. As you spearhead a culture shift at your business, remember employees usually need more time and support to get there because of the uncertainty it brings. Here are some things to keep in mind as you prepare to adjust your wor...kplace culture. 1. Understand the current culture from the perspective of the employee BEFORE you change things. Be a listener and learner, build trust with your employee base before assessing and implementing changes. 2. Envision your new work culture. Write down specific details of your vision whether behavioural, environmental or physical. 3. Clearly communicate your vision and expectations. People will especially resist change when they do not understand why. Cast the vision so that your staff can see it will be worth it. 4. Accept the phases of changes. You will get pushback, so do your best to be compassionate and understanding in your approach. Leadership must be united in response to hold firm to the changes while being kind. 5. Celebrate the small successes, motivating your team to see the process through. 6. Talk to your insurance broker about changes you make (company size, changes in products, property renovations, etc.) While you envision change, think through the whole process before you begin. It can be draining and confusing to manage through a culture shift, so being prepared will keep you motivated to continue moving toward your vision. #thinkBIG #businessowners #cultureshift

BIG is wishing you and your loved ones a Happy Diwali! #happydiwali #celebratediwali

If you've seen National Lampoon's Christmas Vacation or Home Alone, you likely have a sense of what could go wrong during the holiday season. While you put up your twinkly lights, decorate your Christmas tree, find the perfect gifts, and plan your (safe) holiday parties, enjoy the season worry-free by reviewing your property insurance policy and following these holiday decorating home safety tips on our latest blog. https://www.thebig.ca/blog/title/home-safety-tips #thinkBIG #holidayseason #holidaydecorations