Blog

Many people question what the real difference between an insurance broker and agent is. While there are many the one key difference that sets them apart: a broker is an insurance expert that works for you, whereas an agent is works for the insurance company – and just...

Now that summer is over and we are well into the fall, it is time to consider getting the cabin/summer home ready for winter. It is important to consider these steps while the weather is still decent. Don’t leave your treasured retreat exposed. Below you will find 11...

It is a common complaint our office hears. My Landlord requires that I purchase tenants insurance. My belongings are worthless, why do I need it? Well there are some important things that you need to consider when it comes to tenants (sometimes called renters)...

No one likes to hear the weather man warn of a rain storm. Rain can be such a destructive force.  It can wash out roads, cause landslide, flood homes etc.  Unfortunately we do not control mother nature; as such we must prepare when we hear of  rain storms/hurricanes...

Unfortunately now that summer and indian summer have passed we have to start to prepare for Storm Season. Be it Fall Hurricanes/Tropical Storms, or the fiercest winter storms, preparation is key. If there is anything that Hurricane IGOR and Blackout NL have taught us,...

How many times do I get asked the same age old question, “How can I save on my insurance?”  If I had a nickel for every time I heard a variation of that question, I wouldn’t need to work. When I get asked the question, I always spout off a few ideas, but after being...

I was sitting in my office the other day, when the phone rang.A friend and client wanted to know if his policy covered him for driving a rental car.I chuckled, and he said what’s so funny. Half laughing I replied that this is a question that the office gets so often,...

It’s a common saying in the insurance industry that water damage is the new fire.  Are insurance companies exaggerating?  No, in fact water claims have surpassed fire in regards to dollars paid out (maybe not this year with the Fort Mac wildfire). Water continues to...

"Why do insurance companies say my house is worth more than what I paid for it? I know I can replace it for less. The price I paid includes land, yet the insurer says it is more valuable.” All this makes no sense to the consumer, most people just know that they need...

So it is Summer in Newfoundland?  Well ok!   We got through the May 24th weekend, and now our boating enthusiasts want to get out on the water.  Well as any boater will tell you there is more to it than just firing the old girl out on the pond/lake/ocean etc. It’s...

Spring is finally here and so are the motorcycles. Every day you see a few more on the road especially on sunny days. All over the province people are taking their bikes out for the first ride of the year. Before you take the bike out of its Winter Slumber and “Blow...

On April 14th, the Provincial Government introduced their latest budget to the residents of Newfoundland and Labrador. I am sure that most of us expected a hard budget. The province has been hurt financially by the price of oil, the Muskrat Falls Project, and lack of...