Top 5 Things That Can Go Wrong

Top 5 things that can go wrong when purchasing insurance on line or with a direct writer instead of a broker

• You never develop a relationship with any one person
• If you have a claim, you have no one to approach to assist you in the process
• You are usually calling an 800 number and do not have anyone to meet with face to face
• You have to shop every year yourself, for a better insurance package. Who has that kind of time? A broker will do this for you.
• A direct writer is only informed about their own products, so you may not necessarily be getting all you can get for your dollar. A broker is educated in insurance and knows all the insurers they represent, and can tailor a product to best suit your needs. These needs can change every year, and a broker will recognize this so you don’t have to.

Seven Tips to Control Your Insurance Costs.

Tip #1.
Review your policy with us to ensure all available discounts have been applied.

Tip #2.
Report insurance fraud to Crime Stoppers. All calls are anonymous, and you may be eligible for a cash reward if your tip helps an insurance company successfully investigate a fraud.

Tip #3.
The largest single class of business is Ontario automobile insurance.

• Not all cars are created equal; some cost less to insure because of lower repair costs and risk of theft. Before buying, ask us about vehicles having a lower cost of insurance rating.
• Install theft deterrents in your home and auto.
• Avoid tickets. The better your driving record, the lower your insurance premiums.
• Avoid claims by preventing collisions. Drive defensively, sober and awake.

Tip #4.
For commercial policies, ensure that your employees are aware of safety and hiring practices as well as your company's, harassment policies.

Tip #5.
Consult with us before expanding into different geographical areas. Costs may vary dramatically.

Tip #6.
Ask us about arranging a complete loss prevention survey to identify possible hazards and offer solutions to reduce exposure on a broad range of issues - from injuries and fire to fraud and theft.

Tip #7.
Examine deductibles for all lines. Balance your ability to assume smaller losses against the need for insurance coverage for more costly incidents. Significant credits may be available for higher deductibles.