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If have an insurance claim with any of your machinery you will likely need to rent a replacement until you have the damaged one repaired or replaced. This can be a costly experience for you unless your insurance policy covers the expense. The Machinery Loss of Use Coverage will pay the rental cost of the …

Your life is an asset, just like a car, a home, or a business. When you lose it, you may like to be compensated for its value without having to trade in other assets. The mortality rate in this country has not changed. It remains at 100%. The question is, what is the length of your …

Are you renting building space? This could include grain bin, machine shed, and garage or office space. If you are, be sure to mention this to your insurance broker. In the event of damage occurring, you may be required by law to cover the costs of repair. The requirement may come from the landlord or …

Let’s say for a moment that you have a business and you rent out a portion of your business building to another business. Now, you hire a sub-trade to do some work in this building and they start a fire.  Tenants may be injured while escaping from the fire, the building may be damaged and …

Insurance affects everything and everything affects insurance. We can all agree that insurance allows those who own a car, a home or operate a business, to do so without the fear that some terrible incident could leave them unable to function. However, few people are aware of the extraordinary impact the industry has on the …

Directors and Officers of a corporation are responsible for their actions, the actions of the corporation and in some instances the actions of other directors. The courts have assessed damages against directors of corporations for wrongful actions. While some people believe that a LTD. or INC. company creates a legal veil leaving limited liability behind. …

Business Interruption Insurance provides coverage against continuing business expenses and loss of income when a business is partially or wholly interrupted as a result of damage to property from a variety of causes. The key item to note with the Business Interruption Insurance is that there has to be a claimable loss on property that …

After a courageous battle with brain cancer, Dale Rempel passed away on Friday, October 5th, 2012, at home, at the age of 49 years. Dale started as a labourer in concrete then grain bin construction and after that a farm hand. Later he started a lawn care company. He sold Hail Insurance while going to …

Very often we receive phone calls from people after they have started making changes to their property or after they have owned something new for a number of months. For example: purchase of a new laptop computer, renovation project is well under way, purchase of a new yard tractor, addition of attached garage, built a …

Farm and Commercial policies cover the electrical, mechanical and other equipment used in most operations against fire, theft and other events. But most property policies specifically exclude losses arising from a very common problem, equipment breakdown, which includes electrical injury, mechanical breakdown, pressure explosion, rupture and cracking. So, any business operation that use pressure, mechanical, …