# Morison Insurance

> Ontario Insurance Broker

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## Pages

- [Carpenter Insurance](https://staging.morisoninsurance.ca/business-insurance/carpenter-insurance/): Carpenter Insurance Ontario Can Count On Wood is a beautiful, timeless material. From framing a house to decorative knick-knacks, there...
- [Apartment Insurance Toronto](https://staging.morisoninsurance.ca/toronto/apartment-insurance/): Apartment Insurance Toronto Tenants Can Rely On Toronto is Canada’s largest urban center, with almost double the population of the...
- [Hybrid Car Insurance](https://staging.morisoninsurance.ca/car-insurance/hybrid-car-insurance/): The Source for Hybrid Car Insurance Ontario Can Depend On There are many benefits to driving a hybrid vehicle. From...
- [Rented Condo Insurance](https://staging.morisoninsurance.ca/personal-insurance/rented-condo-insurance/): Get the Right Rented Condo Insurance for Your Rental Property in Ontario Many people living in Ontario cities prefer to...
- [Restaurant Insurance](https://staging.morisoninsurance.ca/business-insurance/restaurant-insurance/): Comprehensive Options for Restaurant Insurance Ontario Restaurant Owners Can Count On No one can deny that a restaurant can be...
- [Car Insurance Milton](https://staging.morisoninsurance.ca/milton/car-insurance/): Comprehensive Ontario Car Insurance Milton Drivers Can Count On Whether you live in Milton or another part of the GTA,...
- [Home Insurance Cambridge](https://staging.morisoninsurance.ca/cambridge/home-insurance/): Home Insurance Cambridge Can Rely On Many people living within the City of Cambridge own their own homes. If you...
- [Condo Insurance Toronto](https://staging.morisoninsurance.ca/toronto/condo-insurance/): Reliable Condo Insurance: Toronto Insurance for Condo Owners If you own a condo in Toronto, you want to ensure that...
- [Car Insurance Cambridge](https://staging.morisoninsurance.ca/cambridge/car-insurance/): Car Insurance Cambridge Drivers Can Rely On From Leading Insurance Providers Having a car isn’t just a need for many...
- [Business Insurance Milton](https://staging.morisoninsurance.ca/milton/business-insurance/): Business Insurance Milton Business Owners Can Trust As a business owner, you work hard to make your business a success....
- [Business Insurance Cambridge](https://staging.morisoninsurance.ca/cambridge/business-insurance/): Business Insurance Cambridge Business Owners Can Trust As a business owner, you work hard to make your business successful. But...
- [Car Insurance Toronto](https://staging.morisoninsurance.ca/toronto/car-insurance/): Car Insurance Toronto Drivers Can Count On The City of Toronto may have a great transit system, but that doesn’t...
- [Home Insurance Milton](https://staging.morisoninsurance.ca/milton/home-insurance/): Coverage For Home Insurance Milton Homeowners Can Count On Your home is one of the biggest investments you will make,...
- [Business Insurance Kitchener](https://staging.morisoninsurance.ca/kitchener/business-insurance/): Business Insurance Kitchener Business Owners Can Trust Kitchener is recognized for its tech industries, higher education, and multicultural events, including...
- [Car Insurance Mississauga](https://staging.morisoninsurance.ca/mississauga/car-insurance/): Auto Insurance Mississauga Drivers Can Trust Canada is a nation of drivers, and Mississauga is certainly no exception. The majority...
- [Food Truck Insurance](https://staging.morisoninsurance.ca/business-insurance/food-truck-insurance/): Stationary Food Truck Insurance Ontario As a food truck owner, you expand the options available for a tasty meal in...
- [Home Insurance Mississauga](https://staging.morisoninsurance.ca/mississauga/home-insurance/): House Insurance Mississauga Homeowners Can Depend On Perched on the shores of Lake Ontario, Mississauga is a major part of...
- [Simcoe Business Insurance](https://staging.morisoninsurance.ca/simcoe/business-insurance/): Business Insurance Simcoe Business Owners Can Trust Simcoe is a beautiful community just a short drive from Lake Erie, surrounded...
- [Audiologist Insurance](https://staging.morisoninsurance.ca/business-insurance/audiologist-insurance/): Protect Yourself With The Audiologist Insurance Ontario Can Count On! If you are a medical practitioner who specializes in addressing...
- [Guelph Home Insurance](https://staging.morisoninsurance.ca/guelph/home-insurance/): Home Insurance Guelph Homeowners Can Count On Living in the city of Guelph gives you the best of both worlds...
- [Morison Insurance Mississauga](https://staging.morisoninsurance.ca/mississauga/): Experienced Insurance Brokers Mississauga Can Rely On In our modern world, insurance is a necessity. In your personal life, you...
- [Small Business Insurance](https://staging.morisoninsurance.ca/business-insurance/small-business-insurance/): Insurance for Small Business in Ontario Running a business is often challenging. There is always much to think about and...
- [Kitchener Home Insurance](https://staging.morisoninsurance.ca/kitchener/home-insurance/): Home Insurance Kitchener Residents Can Depend On Your home is a huge investment and ranks right at the top of...
- [Toronto Home Insurance](https://staging.morisoninsurance.ca/toronto/home-insurance/): Home Insurance for Toronto Homeowners More than 3 million people call the City of Toronto home, and more than double...
- [Morison Insurance Toronto](https://staging.morisoninsurance.ca/toronto/): Experienced Insurance Brokers in Toronto Insurance is a necessary part of modern-day living. The right insurance can help ensure that...
- [Public Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/public-liability-insurance/): Public Liability Insurance Ontario If you run a business, whether you operate a busy retail store, a lawn care company...
- [Townhouse Insurance](https://staging.morisoninsurance.ca/home-insurance/townhouse-insurance/): Townhouse Insurance Ontario Homeowners Can Rely On A townhouse can be one of the most affordable ways to own a...
- [Spa Insurance](https://staging.morisoninsurance.ca/business-insurance/spa-insurance/): Spa Insurance Ontario We all need the opportunity to refresh and rejuvenate in today's fast-paced world, and as a spa...
- [Ford Insurance](https://staging.morisoninsurance.ca/car-insurance/ford-insurance/): Ontario Ford Insurance The Ford Motor Company is one of the world's most well-known and trusted automobile manufacturers, so it...
- [Laundromat Insurance](https://staging.morisoninsurance.ca/business-insurance/laundromat-insurance/): Laundromat Insurance Laundromats provide a valuable service to many people. While it is true that many people have a washing...
- [Kitchener Car Insurance](https://staging.morisoninsurance.ca/kitchener/car-insurance/): Kitchener Car Insurance Kitchener is one of the most populous cities in Ontario. Most people who live here need a...
- [B&B Insurance](https://staging.morisoninsurance.ca/business-insurance/bed-and-breakfast-insurance/): Ontario B&B Insurance The experience bed and breakfast (B&B) hosts give their guests can be incredible. While hotel stays can...
- [Morison Insurance Kitchener](https://staging.morisoninsurance.ca/kitchener/): Insurance Brokers in Kitchener Insurance is mandatory to ensure your investments, whether in a home, vehicle, or business, are adequately...
- [Business Contents Insurance](https://staging.morisoninsurance.ca/business-insurance/business-contents-insurance/): Business Contents Insurance It doesn't matter how digital our age becomes; businesses will always require tangible items in their physical...
- [Locksmith Insurance](https://staging.morisoninsurance.ca/business-insurance/locksmith-insurance/): Ontario Locksmith Insurance Being a commercial locksmith is a very practical career. Locks are vital in keeping people's most valuable...
- [Hyundai Insurance](https://staging.morisoninsurance.ca/car-insurance/hyundai-insurance/): Ontario Hyundai Insurance For those who take a practical approach to car selection, a Hyundai is one of the best...
- [Niagara Falls Car Insurance](https://staging.morisoninsurance.ca/niagara-falls/car-insurance/): Niagara Falls Car Insurance Niagara Falls, Ontario, is a beautiful place to live, as having a major landmark in your...
- [Cargo Insurance](https://staging.morisoninsurance.ca/business-insurance/cargo-insurance/): Ontario Cargo Insurance One of the best things about the modern world, and something that we take for granted too...
- [London Car Insurance](https://staging.morisoninsurance.ca/london/car-insurance/): London Car Insurance From the Thames River to the Museum of Ontario Archeology to East Park, London, Ontario, is full...
- [London Home Insurance](https://staging.morisoninsurance.ca/london/home-insurance/): London Home Insurance While not nearly as large and iconic as another London, there are still over 400,000 people who...
- [Tools And Equipment Insurance](https://staging.morisoninsurance.ca/business-insurance/tools-and-equipment-insurance/): Tools And Equipment Insurance There are plenty of professionals that use specialized tools in their day-to-day duties. This is especially...
- [Compensation Disclosure](https://staging.morisoninsurance.ca/compensation-disclosure/): Morison Insurance’s Compensation Disclosure As your independent insurance broker, we purchase insurance products and services that are available, affordable, and...
- [Niagara Falls Home Insurance](https://staging.morisoninsurance.ca/niagara-falls/home-insurance/): Home Insurance In Niagara Falls, Ontario Owning your own home is something that many people dream about. Your own place,...
- [Dog Daycare Insurance](https://staging.morisoninsurance.ca/business-insurance/dog-daycare-insurance/): What Is Dog Daycare Insurance? Dog daycare insurance, sometimes referred to as pet care business insurance or kennel insurance, is...
- [Car Insurance Guelph](https://staging.morisoninsurance.ca/guelph/car-insurance/): Car Insurance In Guelph Getting auto insurance can seem daunting. There are many different insurance providers across Ontario who all...
- [Morison Insurance London](https://staging.morisoninsurance.ca/london/): What Is A London Ontario Insurance Broker? An insurance broker in London, Ontario, is an individual who is responsible for...
- [Sports And Fitness Insurance](https://staging.morisoninsurance.ca/business-insurance/sports-and-fitness-insurance/): Sports And Fitness Insurance Sports and fitness is a very large industry, that covers many different roles in society. Whether...
- [Vending Machine Insurance](https://staging.morisoninsurance.ca/business-insurance/vending-machine-insurance/): Vending Machine Business Insurance in Ontario Running a retail business is a lot of work, no matter how you look...
- [Welders Insurance](https://staging.morisoninsurance.ca/business-insurance/welders-insurance/): Welding Business Insurance for Ontario Welders The earliest evidence of welding dates back 5,000 years, so welders are engaged in...
- [Freelance Insurance](https://staging.morisoninsurance.ca/business-insurance/freelance-insurance/): Freelance Insurance For Ontario Professionals Whether you're considering the option of going freelance or no stranger to the freelance life,...
- [Additional Living Expenses Coverage](https://staging.morisoninsurance.ca/home-insurance/additional-living-expenses/): Additional Living Expenses Coverage Home insurance covers a lot more than people think. It's common knowledge at this point that...
- [Roofing Contractor Insurance](https://staging.morisoninsurance.ca/business-insurance/roofing-contractor-insurance/): Roofing Contractor Insurance Ontario Roofing is an essential profession, without roofs, everyone would be in trouble whenever there was rain...
- [Hobby Farm Insurance Ontario](https://staging.morisoninsurance.ca/business-insurance/farm-insurance/hobby-farm-insurance/): Hobby Farm Insurance Ontario Hobby farmers can care for the crops and animals that they enjoy being around and working...
- [Swimming Pool Cleaners Insurance](https://staging.morisoninsurance.ca/business-insurance/swimming-pool-cleaners-insurance/): Insurance for Pool Cleaners in Ontario Cleaning swimming pools requires more skill, equipment and hard work than many people suspect....
- [Product Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/product-liability-insurance/): Product Liability Insurance for Ontario Manufacturers, Suppliers and Distributors and Retailers Whether you run a massive fabrication plant, a small...
- [Business Insurance Brokers St. Catharines](https://staging.morisoninsurance.ca/st-catharines/business-insurance/): St. Catharines Business Insurance St. Catharines is a great place for those who enjoy seeing nature's beauty while being a...
- [Vendor Insurance](https://staging.morisoninsurance.ca/business-insurance/vendor-insurance/): Insurance For Ontario Vendors Vendors always have a degree of passion. While people in the sales industry as a whole...
- [Builder's Risk Insurance](https://staging.morisoninsurance.ca/business-insurance/builders-risk-insurance/): Builder's Risk Insurance Ontario Builders and Contractors Can Count On While there was once a time when most people built...
- [Non-Profit Insurance](https://staging.morisoninsurance.ca/business-insurance/non-profit-insurance/): Insurance For Non-Profit Organizations In Ontario The non-profit industry is filled with people who are passionate about what they do....
- [Bricklayer Insurance](https://staging.morisoninsurance.ca/business-insurance/bricklayer-insurance/): Insurance for Bricklayers and Masons in Ontario Brickwork is a classic for a reason—it's durable, long-lasting, solid and gives any...
- [Second Car Insurance](https://staging.morisoninsurance.ca/car-insurance/second-car-insurance/): Multi-Car Insurance for Ontario Drivers It's not uncommon for Ontario households to have more than one personal vehicle, whether several...
- [Mechanic Insurance](https://staging.morisoninsurance.ca/business-insurance/mechanic-insurance/): Auto Shop Insurance for Mechanics and Garage Owners in Ontario Most Canadian households own or lease at least one vehicle,...
- [Winery Insurance](https://staging.morisoninsurance.ca/business-insurance/winery-insurance/): Insurance for Wineries in Ontario Thanks to a one-of-a-kind microclimate ideal for vineyards, southern Ontario is well known for many...
- [Garden Insurance](https://staging.morisoninsurance.ca/home-insurance/garden-insurance/): Flourish With Ontario Garden Insurance Gardening can be a gratifying hobby. Whether you're growing your own vegetables to keep your...
- [Simcoe Car Insurance](https://staging.morisoninsurance.ca/simcoe/car-insurance/): Car Insurance In Simcoe Simcoe's history makes it a very unique place to live. At first glance, it looks like...
- [Simcoe Home Insurance](https://staging.morisoninsurance.ca/simcoe/home-insurance/): Home Insurance in Simcoe Simcoe is an absolutely beautiful place. As the largest community in the Norfolk County area, Simcoe...
- [Brewery Insurance](https://staging.morisoninsurance.ca/business-insurance/brewery-insurance/): Insurance For Breweries In Ontario Owning a brewery can undoubtedly be very exciting. Whether you're crafting a traditional beer with...
- [Yoga Teacher Insurance](https://staging.morisoninsurance.ca/business-insurance/yoga-teacher-insurance/): Yoga Teacher Insurance Yoga is increasing in popularity. This makes sense, as the benefits of yoga are now coming into...
- [Sole Proprietor Insurance](https://staging.morisoninsurance.ca/business-insurance/sole-proprietor-insurance/): Sole Proprietor Insurance in Ontario As the sole owner of your business, you have a lot on your shoulders. A...
- [Paralegal Insurance](https://staging.morisoninsurance.ca/business-insurance/paralegal-insurance/): Insurance for Paralegals in Ontario As a paralegal, you play an essential role in the legal system that requires much...
- [Tractor Insurance](https://staging.morisoninsurance.ca/business-insurance/farm-insurance/tractor-insurance/): Insurance for Tractors on Ontario Farms Farming has a long, proud tradition in Ontario. Whether you run a massive commercial...
- [Burlington Home Insurance](https://staging.morisoninsurance.ca/burlington/home-insurance/): Homeowners Insurance Burlington Burlington is a great place to call home. With a beautiful view of Lake Ontario, a thriving...
- [Home Daycare Insurance](https://staging.morisoninsurance.ca/home-insurance/home-daycare-insurance/): Insurance For Home Daycares in Ontario As any parent knows, there's nothing more precious and important than their children. When...
- [Accessibility Plan](https://staging.morisoninsurance.ca/accessibility-plan/): Morison Insurance's Multi-Year Accessibility Plan (2023-2027) Morison Insurance Brokers Inc. is committed to promoting accessibility, diversity, and inclusion for all...
- [Business Insurance Burlington](https://staging.morisoninsurance.ca/burlington/business-insurance/): Business Insurance Burlington Businesses Can Count On There are few things more exciting than beginning your own company. Part of...
- [Toyota Insurance](https://staging.morisoninsurance.ca/car-insurance/toyota-insurance/): Toyota Insurance In Ontario A Toyota is one of the most reliable and practical cars on the market, being highly...
- [Burlington Car Insurance](https://staging.morisoninsurance.ca/burlington/car-insurance/): Car Insurance In Burlington Burlington is a large, sprawling city. Although this provides many benefits for both business and entertainment,...
- [Esthetician Insurance](https://staging.morisoninsurance.ca/business-insurance/esthetician-insurance/): Insurance for Estheticians in Ontario From ear piercing and eyebrow tinting to body wraps and hair removal, there's no doubt...
- [Bakery Insurance](https://staging.morisoninsurance.ca/business-insurance/bakery-insurance/): Insurance For Bakers and Bakeries In Ontario There's no doubt that baking is a business that allows you to see...
- [Ottawa Business Insurance](https://staging.morisoninsurance.ca/ottawa/business-insurance/): Business Insurance In Ottawa Every business owner knows how exciting, liberating, challenging and risky it is to start your own...
- [Startup Insurance](https://staging.morisoninsurance.ca/business-insurance/startup-insurance/): The Challenges Faced By Startups One of the most exciting things someone can do in their life is to start...
- [Overland Water Coverage](https://staging.morisoninsurance.ca/personal-insurance/overland-water-coverage/): Ontario Overland Water Coverage When Canadians think about the risks that could damage or destroy their home, fires and natural...
- [Office Insurance](https://staging.morisoninsurance.ca/business-insurance/office-insurance/): Insurance for Offices in Ontario Many professions and industries work in an office setting, from financial and healthcare professionals to...
- [Consultant Insurance](https://staging.morisoninsurance.ca/business-insurance/consultant-insurance/): Consultant Insurance Ontario Can Depend On Consultants have specialized expertise that makes them incredibly valuable to organizations that need advice...
- [Videographer Insurance](https://staging.morisoninsurance.ca/business-insurance/videographer-insurance/): Insurance for Professional Videographers The videography industry is undoubtedly a fun and exciting field for those who want to flex...
- [Telematics Insurance](https://staging.morisoninsurance.ca/car-insurance/telematics-insurance/): Telematics Insurance for Ontario Drivers Everyone is required to drive safely and conscientiously follow the rules of the road—but some...
- [Store Insurance](https://staging.morisoninsurance.ca/business-insurance/store-insurance/): Store Insurance For Ontario Retail Businesses Retail stores play a huge role in our daily lives and provide us with...
- [Zero Tolerance Policy](https://staging.morisoninsurance.ca/zero-tolerance-policy/): Morison Insurance’s Zero Tolerance Statement on Abusive Behaviour Morison Insurance Brokers makes customer service our top priority. In our interactions...
- [Legal Expense Insurance](https://staging.morisoninsurance.ca/business-insurance/legal-expense-insurance/): Legal Expense Insurance Ontario As a business owner, you have a lot on your plate between pleasing your customers, managing...
- [Personal Liability Insurance](https://staging.morisoninsurance.ca/personal-insurance/personal-liability-insurance/): Personal Liability Insurance for Ontario Residents Most people don't go about their daily lives worrying that an accident could occur,...
- [Home Equipment Breakdown Coverage](https://staging.morisoninsurance.ca/personal-insurance/home-equipment-breakdown-coverage/): Home Equipment Breakdown Coverage for Ontario Homeowners A typical home insurance policy covers your home and its contents against perils...
- [Student Rental Insurance](https://staging.morisoninsurance.ca/personal-insurance/student-rental-insurance/): The Student Rental Insurance Ontario Property Owners Who Lease to Students Need Rental properties are always in high demand near...
- [Rented Dwelling Insurance](https://staging.morisoninsurance.ca/personal-insurance/rented-dwelling-insurance/): Dwelling Insurance for Your Rental Property in Ontario If you've invested in a residential property, you're not planning to live...
- [Scotch and Whisky Collection Insurance](https://staging.morisoninsurance.ca/personal-insurance/scotch-and-whisky-collection-insurance/): Insurance Protection for Your Personal Scotch and Whisky Collection If you're a connoisseur of scotch and whisky, you have a...
- [Musical Instrument Insurance](https://staging.morisoninsurance.ca/personal-insurance/musical-instrument-insurance/): Musical Instrument Insurance for Personal-Use in Ontario Musical instruments are for more than just working professional musicians. Many people who...
- [Photography Equipment Insurance](https://staging.morisoninsurance.ca/personal-insurance/photography-equipment-insurance/): Photography Equipment Insurance for Personal Use in Ontario Whatever you do with your camera, from springing out of bed early...
- [Framers Insurance](https://staging.morisoninsurance.ca/business-insurance/framers-insurance/): Framing Insurance for Construction Professionals in Ontario Those who aren't familiar with the construction industry and have never seen a...
- [Golf Equipment Insurance](https://staging.morisoninsurance.ca/personal-insurance/golf-equipment-insurance/): Golf Equipment Insurance Ontario Ontario has plenty of beautiful golf courses that are out there just waiting for you to...
- [Engagement Ring Insurance](https://staging.morisoninsurance.ca/personal-insurance/engagement-ring-insurance/): Insurance for Your Engagement Ring Undoubtedly, getting engaged is one of the most exciting times in your life. When a...
- [Penthouse Insurance](https://staging.morisoninsurance.ca/home-insurance/penthouse-insurance/): Insurance for Penthouse Owners in Ontario When you choose a penthouse suite as your home, you're investing in style and...
- [Real Estate Office Insurance](https://staging.morisoninsurance.ca/business-insurance/real-estate-office-insurance/): Insurance for Real Estate Offices in Ontario We all want a place to call home, and real estate professionals play...
- [Chalet Insurance](https://staging.morisoninsurance.ca/home-insurance/chalet-insurance/): Ontario Chalet Insurance Whether you love fishing and boating at the lake every summer or can't wait to strap on...
- [Ice Cream Shop Insurance](https://staging.morisoninsurance.ca/business-insurance/ice-cream-shop-insurance/): Insurance for Ice Cream Shop Owners in Ontario Ice cream is absolutely a necessity in many people's lives—we're screaming for...
- [Orthodontist Office Insurance](https://staging.morisoninsurance.ca/business-insurance/orthodontist-office-insurance/): The Right Orthodontist Office Insurance in Ontario As someone who provides orthodontic care, you do important work repairing and maintaining...
- [Coffee Shop Insurance](https://staging.morisoninsurance.ca/business-insurance/coffee-shop-insurance/): Coffee Shop Insurance Coverage for Business Owners Caffeine makes the world go 'round, so it's hardly surprising that a stop...
- [Ottawa Tenant Insurance](https://staging.morisoninsurance.ca/ottawa/tenant-insurance/): Personal Tenant Insurance in Ottawa As a renter, you don't need to worry too much about property insurance coverage because...
- [Doctors Office Insurance](https://staging.morisoninsurance.ca/business-insurance/doctors-office-insurance/): Business Insurance for Doctors' Offices Health care practitioners play a critical role in our society. Everyone needs medical services at...
- [Barber Shop Insurance](https://staging.morisoninsurance.ca/business-insurance/barber-shop-insurance/): Barber Shop Insurance for Barbers and Haircutters in Ontario Barbers do more than just make their clients look good—they provide...
- [Flooring Contractor Insurance](https://staging.morisoninsurance.ca/business-insurance/flooring-contractor-insurance/): Business Insurance for Flooring Contractors in Ontario The work that flooring contractors do is often overlooked—and not just because it's...
- [Hair Salon Insurance](https://staging.morisoninsurance.ca/business-insurance/hair-salon-insurance/): Insurance for Hair Salon Owners and Hair Stylists in Ontario Hair is one of the very first things that we...
- [Fine Art Insurance](https://staging.morisoninsurance.ca/personal-insurance/fine-art-insurance/): Insurance for Fine Art Collectors in Ontario Fine art is a financial investment that can also be incredibly personal and...
- [Yacht Insurance](https://staging.morisoninsurance.ca/personal-insurance/yacht-insurance/): Yacht Insurance Ontario You know luxury and peace of mind if you are a yacht owner. You are familiar with...
- [Wood Stove Insurance](https://staging.morisoninsurance.ca/personal-insurance/wood-stove-insurance/): Insurance for Wood Stoves and Gas Fireplaces in Ontario There's nothing quite like gathering the family together around a crackling...
- [Snowboard Equipment Insurance](https://staging.morisoninsurance.ca/personal-insurance/snowboard-equipment-insurance/): Snowboard Equipment Insurance for Winter Fun in Ontario There's nothing quite like flying down the slopes on a snowboard, breathing...
- [Ski Equipment Insurance](https://staging.morisoninsurance.ca/personal-insurance/ski-equipment-insurance/): Ski Equipment Insurance for Ontario Sports Enthusiasts One of the best things about living in Ontario is all the opportunities...
- [Watch Insurance](https://staging.morisoninsurance.ca/personal-insurance/watch-insurance/): Ontario Luxury Watch Insurance A luxury watch is so much more than a time tracker. Some luxury watches are cherished...
- [Outbuilding Insurance Coverage](https://staging.morisoninsurance.ca/personal-insurance/outbuilding-insurance/): What is Outbuilding Insurance? Outbuilding insurance is protection for private structures detached from your home. Outbuildings can include sheds, garages,...
- [Optometrist Insurance](https://staging.morisoninsurance.ca/business-insurance/optometrist-insurance/): Optometrists Insurance in Ontario As an optometrist, you care for a part of the body that most people can't imagine...
- [Chiropractor Insurance](https://staging.morisoninsurance.ca/business-insurance/chiropractor-insurance/): Business Chiropractic Coverage for Ontario Chiropractors As a medical professional, the chiropractic care you provide to your patients greatly benefits...
- [Seadoo Insurance](https://staging.morisoninsurance.ca/personal-insurance/seadoo-insurance/): Enjoy Worry-Free Fun on the Water With the Right Seadoo Insurance for Ontario Watercraft Enthusiasts There's nothing quite like hitting...
- [Join Team](https://staging.morisoninsurance.ca/join-team/): Join Our Award-Winning Team At Morison Insurance we support each other. Our goal is to provide staff with a great...
- [Property Management Insurance](https://staging.morisoninsurance.ca/business-insurance/property-management-insurance/): What Is Property Management Insurance? Property management insurance protects professional property managers against legal claims from property owners and tenants....
- [Personal Trainer Insurance](https://staging.morisoninsurance.ca/business-insurance/personal-trainer-insurance/): Insurance For Personal Trainers If you are currently working as a personal trainer, or you are ready to get started...
- [Physiotherapy Insurance](https://staging.morisoninsurance.ca/business-insurance/physiotherapy-insurance/): Insurance for Physiotherapists in Ontario There are numerous benefits of physiotherapy—in fact, it's indispensable to those who suffer from injury...
- [Dental Office Insurance](https://staging.morisoninsurance.ca/business-insurance/dental-office-insurance/): Ontario Dental Office Insurance If you own a dental office, then it's essential that you have Ontario dental office insurance....
- [Arborist Insurance](https://staging.morisoninsurance.ca/business-insurance/arborist-insurance/): Protect Your Tree Care Business With the Right Tree Removal Insurance & Arborist Liability Insurance There are many benefits of...
- [Photographer Insurance](https://staging.morisoninsurance.ca/business-insurance/photographer-insurance/): Get Photography Studio & Equipment Coverage Options in Professional Photographer Insurance As a professional photographer, no day looks the same...
- [Massage Therapist Insurance](https://staging.morisoninsurance.ca/business-insurance/massage-therapist-insurance/): Massage Therapist Insurance If you work as a massage therapist, then you know how invaluable your skills are. Perhaps you...
- [Vacant Property Insurance](https://staging.morisoninsurance.ca/business-insurance/vacant-property-insurance/): Vacant Property Insurance Ontario If you're a homeowner, you likely already have homeowners insurance. If you have a mortgage, then...
- [Land Rover Insurance](https://staging.morisoninsurance.ca/car-insurance/land-rover-insurance/): Land Rover Insurance Ontario You have chosen power, luxury and comfort when you drive a Land Rover. Selecting a Land...
- [Wine Cellar Insurance](https://staging.morisoninsurance.ca/home-insurance/wine-cellar-insurance/): Wine Cellar Insurance For Your Prestigious Collection Do you love wine? Perhaps you're already a connoisseur and have a well-stocked...
- [Accountants Insurance](https://staging.morisoninsurance.ca/business-insurance/accountants-insurance/): Accountant Insurance Ontario Professionals Can Rely On Whether you work as an independent accountant or own an accounting firm, your...
- [Handyman Insurance](https://staging.morisoninsurance.ca/business-insurance/handyman-insurance/): The Handyman Insurance Ontario Handyman Pros Can Lean On Every homeowner and business owner has a long list of property...
- [Interior Design Insurance](https://staging.morisoninsurance.ca/business-insurance/interior-design-insurance/): Who Needs Interior Design Insurance in Ontario? As an interior designer, you walk the line between creative and practical. By...
- [Duplex Insurance](https://staging.morisoninsurance.ca/home-insurance/triplex-duplex-insurance/): Ontario Duplex, Triplex and Fourplex Insurance Made Simple Whether you live in a duplex, triplex or fourplex, your home is...
- [Bentley Insurance](https://staging.morisoninsurance.ca/car-insurance/bentley-insurance/): Bentley Insurance Ontario When you drive a Bentley, you know elegant design and handcrafted luxury. No matter which model you...
- [Jeep Insurance](https://staging.morisoninsurance.ca/car-insurance/jeep-insurance/): Jeep Insurance When you drive a Jeep, you are making a statement. You have chosen a vehicle with comfort, durability,...
- [Landscaper Insurance](https://staging.morisoninsurance.ca/business-insurance/landscapers-insurance/): Getting The Best Insurance For Lawn Care Businesses in Ontario Lawncare professionals face many risks completing their daily work on...
- [Drywaller Insurance](https://staging.morisoninsurance.ca/business-insurance/drywall-business-insurance/): Insurance For Ontario Drywall Contractors Drywall is one of the most common materials for building a home. This is due...
- [Cleaning Business Insurance](https://staging.morisoninsurance.ca/business-insurance/janitorial-insurance/): What Is Cleaning Business Insurance? Cleaning business insurance, also known as janitorial insurance or cleaners insurance, is a form of...
- [Home Insurance Discounts](https://staging.morisoninsurance.ca/home-insurance/discounts/): Home Insurance Discounts And Savings Whether you’re a long-time property owner or a first-time homeowner, it is important to protect...
- [Nissan Insurance](https://staging.morisoninsurance.ca/car-insurance/nissan-insurance/): Nissan Insurance In Ontario When you drive a Nissan, you have chosen style and performance. Popular models such as Nissan...
- [Kia Insurance](https://staging.morisoninsurance.ca/car-insurance/kia-insurance/): Kia Insurance In Ontario If you own a Kia, you prioritize safety, flexibility, and fuel efficiency in a vehicle. Kia...
- [Lexus Insurance](https://staging.morisoninsurance.ca/car-insurance/lexus-insurance/): Lexus Insurance When you own a Lexus, you know that you are making a statement. They are very powerful and...
- [Honda Insurance](https://staging.morisoninsurance.ca/car-insurance/honda-insurance/): Honda Insurance When you drive a Honda, you know you have chosen good performance, quality, and comfort. Honda vehicles have...
- [Morison Insurance King City](https://staging.morisoninsurance.ca/king-city/): King City Insurance Brokers Have you been looking for an award-winning insurance brokerage to design an insurance policy that properly...
- [Morison Insurance Guelph](https://staging.morisoninsurance.ca/guelph/): Looking For A Guelph Insurance Broker? Have you been looking for a top-rated insurance brokerage to help walk you through...
- [Ottawa Car Insurance](https://staging.morisoninsurance.ca/ottawa/car-insurance/): Ottawa Car Insurance Are you looking for the best Ottawa car insurance? Our award-winning brokerage serves Ottawa and its neighbourhoods...
- [Ottawa Home Insurance](https://staging.morisoninsurance.ca/ottawa/home-insurance/): Ottawa Home Insurance Ottawa is a lovely city to settle down in. It has many beautiful neighbourhoods, including The Glebe,...
- [Morison Insurance Niagara-on-the-Lake](https://staging.morisoninsurance.ca/niagara-on-the-lake/): Looking For A Niagara-on-the-Lake Insurance Broker? Are you looking for a top-rated Niagara-on-the-Lake insurance broker? Well look no further! Morison...
- [Morison Insurance Cambridge](https://staging.morisoninsurance.ca/cambridge/): Looking For A Cambridge Insurance Broker? Have you been looking for a top-rated Cambridge insurance broker? Your search is over!...
- [Mercedes Insurance](https://staging.morisoninsurance.ca/car-insurance/mercedes-insurance/): Mercedes-Benz Insurance Ontario When you drive a Mercedes-Benz, you know quality, inside and out. Mercedes-Benz vehicles have top-of-the-line advanced safety...
- [Weekend Car Insurance](https://staging.morisoninsurance.ca/personal-insurance/weekend-car-insurance/): Driving Your Vehicle Only On Weekends Are you a weekend driver? Do you only get behind the wheel on Saturday...
- [Audi Insurance](https://staging.morisoninsurance.ca/car-insurance/audi-insurance/): Audi Car Insurance Ontario Audi is a leading luxury vehicle manufacturer. An Audi is slightly futuristic, powerful, sleek, and an...
- [Apartment Insurance](https://staging.morisoninsurance.ca/home-insurance/apartment-insurance/): Apartment Insurance Ontario An apartment is a great place to live when you're living alone or with a significant other....
- [Porsche Insurance](https://staging.morisoninsurance.ca/car-insurance/porsche-insurance/): Porsche Insurance When you own a Porsche, you have selected quality, performance, luxury, and style. You have chosen among the...
- [Morison Insurance Ottawa](https://staging.morisoninsurance.ca/ottawa/): Looking For An Ottawa Insurance Broker? Are you looking for top-rated Ottawa insurance brokers? Look no further than Morison Insurance!...
- [Morison Insurance Binbrook](https://staging.morisoninsurance.ca/binbrook/): Looking For A Binbrook Insurance Broker? Binbrook is a vibrant and growing community proudly served by Morison Insurance. Nestled southeast...
- [Morison Insurance Ancaster](https://staging.morisoninsurance.ca/ancaster/): Looking For An Ancaster Insurance Broker? There is so much to love about Ancaster. Its historic location on the Niagara...
- [Morison Insurance Grimsby](https://staging.morisoninsurance.ca/grimsby/): The Best Insurance Brokers Grimsby, Ontario Has to Offer for All Your Insurance Needs Looking for an insurance broker in...
- [Morison Insurance Milton](https://staging.morisoninsurance.ca/milton/): Looking For A Milton Insurance Broker? Are you looking for an award-winning insurance brokerage in Milton? Morison Insurance proudly provides...
- [Tesla Insurance](https://staging.morisoninsurance.ca/car-insurance/tesla-insurance/): Tesla Insurance Ontario If you own a Tesla, you are in a class of your own. Your vehicle turns heads...
- [Contents Insurance Coverage](https://staging.morisoninsurance.ca/personal-insurance/contents-insurance-coverage/): Tenant and Home Contents Insurance Ontario Can Count On Your home is precious to you, and part of what makes...
- [Morison Insurance Niagara Falls](https://staging.morisoninsurance.ca/niagara-falls/): Looking For A Niagara Falls Insurance Broker? Do you hate how long it takes to look for insurance in Niagara...
- [Home Insurance Port Dover](https://staging.morisoninsurance.ca/port-dover/home-insurance/): Port Dover home insurance tailored to you Are you a year-round Port Doverite living in a newer neighborhood or residing...
- [Morison Insurance Tillsonburg](https://staging.morisoninsurance.ca/tillsonburg/): Looking For A Tillsonburg Insurance Broker? If you're searching for an insurance broker in Tillsonburg who can assist you with...
- [Morison Insurance Delhi](https://staging.morisoninsurance.ca/delhi/): Delhi Insurance Brokers Our Morison Insurance team, formerly E. R. Adams Insurance, is pleased to serve the residents of Delhi...
- [Second Home Insurance](https://staging.morisoninsurance.ca/home-insurance/secondary-home-insurance/): Homeowners Insurance for Second Home There's no place like home—except your second home. There are many reasons why you may...
- [Electric Car Insurance](https://staging.morisoninsurance.ca/car-insurance/electric-car-insurance/): Get the Electric Car Insurance Ontario Can Count On Electric vehicles were once seen as almost science fiction and were...
- [Morison Insurance Burlington](https://staging.morisoninsurance.ca/burlington/): Looking For A Burlington Insurance Broker? Are you looking for a top-rated Burlington insurance broker? Morison Insurance is proud to...
- [Painters Insurance](https://staging.morisoninsurance.ca/business-insurance/painters-insurance/): Ontario Painters Insurance Painting contractors are much-needed specialists in today's busy world of residential and commercial construction and renovation. A...
- [HVAC Contractors Insurance](https://staging.morisoninsurance.ca/business-insurance/hvac-contractors-insurance/): Ontario HVAC Business Insurance As an HVAC contractor (also known as a heating, ventilation, and air conditioning contractor) or HVAC...
- [Luxury Car Insurance](https://staging.morisoninsurance.ca/car-insurance/luxury-car-insurance/): Luxury Car Insurance Ontario Luxury car owners select their vehicles for a variety of reasons: Quality, brand, luxury, attention to...
- [Plumbers Insurance](https://staging.morisoninsurance.ca/business-insurance/plumbers-insurance/): What Is Plumbers Insurance? In layman’s terms, plumbers insurance is a type of contractor insurance policy designed to protect plumbers...
- [Electrician Insurance](https://staging.morisoninsurance.ca/business-insurance/electrician-insurance/): Get the Coverage You Need With Comprehensive Electricians Insurance Ontario Can Trust Electricity is crucial for modern-day living. As an...
- [Professional Home Builders Insurance](https://staging.morisoninsurance.ca/business-insurance/home-builders-insurance/): The Right Home Builders Insurance in Ontario In many countries, most people live in apartment buildings, townhouses or condominiums—but in...
- [Norfolk County](https://staging.morisoninsurance.ca/group-insurance/norfolk-county-group-insurance/): Norfolk County Group Insurance Program Exclusive Home & Auto Insurance Rates For Norfolk County Employees & Retirees!
- [Construction Insurance](https://staging.morisoninsurance.ca/business-insurance/construction-insurance/): Construction Insurance Ontario The Ontario construction industry is booming. Cities and towns are chock-a-block with builds and renovations. Cranes dot...
- [High-Value Home Insurance](https://staging.morisoninsurance.ca/home-insurance/high-value-home-insurance/): High-Value Home Insurance for Ontario Homeowners Your home is one of your most significant financial and emotional investments. You've worked...
- [Morison Insurance Simcoe](https://staging.morisoninsurance.ca/simcoe/): Simcoe Insurance Brokers We make getting insurance in Simcoe easy! Whether you are looking for insurance coverage for your home,...
- [Morison Insurance Waterford](https://staging.morisoninsurance.ca/waterford/): Waterford Insurance Brokers Do you live or work in Waterford and are looking for insurance? Look no further than the...
- [Morison Insurance Port Dover](https://staging.morisoninsurance.ca/port-dover/): Port Dover Insurance Brokers Morison Insurance has been providing personal Port Dover insurance – including home insurance and car insurance...
- [Our Videos](https://staging.morisoninsurance.ca/videos/): Morison Spotlight Have an Idea? We'd love to hear it! Send your video ideas to info@morisoninsurance. ca
- [First-Time Homeowner Insurance](https://staging.morisoninsurance.ca/home-insurance/first-time-homeowner-insurance/): First-Time Homeowner Insurance In Ontario Life is full of firsts. A baby’s first smile, first steps, first words. A teen’s...
- [Email](https://staging.morisoninsurance.ca/contact-us/email/): Email Us
- [Our Team](https://staging.morisoninsurance.ca/about-us/our-team/): Family Roots. Family Feel. Your Best Interest At Heart. Morison Insurance is a family owned and operated brokerage, and has...
- [Travel Trailer Insurance](https://staging.morisoninsurance.ca/personal-insurance/travel-trailer-insurance/): Travel Trailer Insurance Ontario can Count on There's nothing quite like life out on the open road. Whether you've planned...
- [Personal Cyber Insurance](https://staging.morisoninsurance.ca/personal-insurance/personal-cyber-insurance/): Ontario Personal Cyber Insurance Your private data is just as important as your home, vehicle, and personal belongings. Therefore, why...
- [Sports Car Insurance](https://staging.morisoninsurance.ca/car-insurance/sports-car-insurance/): Ontario Sports Car Insurance Did you know that sports cars are considered riskier vehicles to insure? This means that due...
- [Pickup Truck Insurance](https://staging.morisoninsurance.ca/car-insurance/truck-insurance/): Ontario Pickup Truck Insurance That Protects Your Personal Vehicle If you're a pickup truck owner in Ontario, then your vehicle...
- [Jewellery Insurance](https://staging.morisoninsurance.ca/personal-insurance/jewellery-insurance/): Ontario Jewellery Insurance Do I need to insure my rings and my new diamond necklace? How much will it cost...
- [Grand Erie District School Board](https://staging.morisoninsurance.ca/group-insurance/grand-erie-district-school-board/): GEDSB Group Insurance Program Exclusive Home & Auto Insurance Rates For Grand Erie District School Board Employees & Retirees!
- [Empire Communities](https://staging.morisoninsurance.ca/group-insurance/empire-communities-home-insurance/): Empire Communities Home Insurance and Condo Insurance Congrats! You are an Empire Communities new home or condo owner. This is...
- [Life Insurance Brokers Oakville](https://staging.morisoninsurance.ca/oakville/life-insurance/): Life Insurance in Oakville As each day is filled with so much uncertainty, your life and your ability to earn...
- [Car Insurance St. Catharines](https://staging.morisoninsurance.ca/st-catharines/car-insurance/): Car Insurance in St. Catharines Getting car insurance in St. Catharines shouldn't be a hassle. Our top-rated insurance experts at...
- [St. Catharines Home Insurance](https://staging.morisoninsurance.ca/st-catharines/home-insurance/): Home Insurance In St. Catharines Your home is your biggest investment. This is where your loved ones are, where you...
- [Car Insurance Hamilton](https://staging.morisoninsurance.ca/hamilton/car-insurance/): Car Insurance Hamilton Drivers Can Trust Finding the right car insurance provider can sometimes be a nightmare. But we make...
- [Hamilton Home Insurance](https://staging.morisoninsurance.ca/hamilton/home-insurance/): Home Insurance In Hamilton We know you love your home, and we’ll help you protect it. Our experienced and professional...
- [Business Insurance Brokers Hamilton](https://staging.morisoninsurance.ca/hamilton/business-insurance/): Commercial Insurance Hamilton Business Owners Can Trust Commercial insurance is one of the most important investments you can make for...
- [Life Insurance Brokers Hamilton](https://staging.morisoninsurance.ca/hamilton/life-insurance/): Morison Insurance Hamilton - Life Insurance The thing about our lives is that they are filled with uncertainty - we...
- [Car Insurance Oakville](https://staging.morisoninsurance.ca/oakville/car-insurance/): Car Insurance In Oakville We make getting car insurance in Oakville easy. Providing excellent protection, competitive pricing, professional and prompt...
- [Home Insurance Oakville](https://staging.morisoninsurance.ca/oakville/home-insurance/): Home Insurance In Oakville Your home, contents, and personal belongings are all very important to you, which is why it’s...
- [Oakville Business Insurance](https://staging.morisoninsurance.ca/oakville/business-insurance/): Protect Your Business With the Right Commercial Insurance As a business owner, ensuring your company is protected with business insurance...
- [MyMorison](https://staging.morisoninsurance.ca/my-morison/): Free & Exclusive App Our MyMorison app is super convenient and free, and it’s exclusive to our customers. With the...
- [Personal Umbrella Insurance](https://staging.morisoninsurance.ca/personal-insurance/umbrella-insurance/): Ontario Personal Umbrella Insurance Think of how useful an umbrella can be. It protects you from the rain in stormy...
- [Bundled Home & Auto Insurance](https://staging.morisoninsurance.ca/home-insurance/bundled-home-and-auto-insurance/): Ontario Home and Car Insurance Bundle There is no doubt that some things are just meant to be together. They...
- [Commercial Property Insurance](https://staging.morisoninsurance.ca/business-insurance/commercial-property-insurance/): Ontario Commercial Property Insurance for Small Businesses, Large Facilities and More! As a business owner, you work hard to make...
- [Our Extras](https://staging.morisoninsurance.ca/about-us/our-extras/): Enjoy the extras at Morison Insurance At Morison Insurance we provide extras that make the difference. Many things set us...
- [Our Insurance Products](https://staging.morisoninsurance.ca/our-insurance-products/): Personal Insurance Additional Living Expenses Coverage Apartment Insurance ATV Insurance Audi Insurance Bentley Insurance Boat Insurance Bundled Home & Auto...
- [Life Insurance](https://staging.morisoninsurance.ca/personal-insurance/life-insurance/): Ontario Life Insurance Life is filled with uncertainty. Your life and your ability to earn income are among the most...
- [Personal Insurance](https://staging.morisoninsurance.ca/personal-insurance/): Ontario Personal Insurance Everyone is unique, which means our homes, hobbies, and lifestyles are unique. However we choose to live...
- [Business Insurance](https://staging.morisoninsurance.ca/business-insurance/): Commercial Insurance Ontario Business Owners Can Count On We believe that business insurance is one of the most important investments...
- [Make a Claim](https://staging.morisoninsurance.ca/make-a-claim/): Morison Insurance’s 24-7 Claims Advantage If you have a claim, please follow the steps below. During Business Hours In the...
- [Limitations of Liabilty](https://staging.morisoninsurance.ca/limitations-of-liabilty/): Morison Insurance Brokers Ltd. , its affiliates and related companies take no responsibility for the accuracy or validity of any...
- [Privacy Policy](https://staging.morisoninsurance.ca/privacy-policy/): Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your...
- [Professional Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/professional-liability-insurance/): Professional Liability Insurance Coverage for Ontario Professionals As a professional who provides services and advice to your clients, you are...
- [Farm Insurance](https://staging.morisoninsurance.ca/business-insurance/farm-insurance/): Farm Insurance Ontario Farming isn't just a business; it's a way of life. It's challenging yet rewarding work. Unfortunately, it’s...
- [Hole-In-One Insurance](https://staging.morisoninsurance.ca/hole-in-one-insurance/): Ontario Hole-In-One Insurance With a Hole-In-One Insurance policy, golf tournament organizers can relax knowing they can offer great prizes which...
- [Commercial Cyber Insurance](https://staging.morisoninsurance.ca/business-insurance/commercial-cyber-insurance/): Ontario Commercial Cyber Insurance Times are rapidly changing, and how we communicate and do business has, too. This has brought...
- [Manufacturers Insurance](https://staging.morisoninsurance.ca/business-insurance/manufacturing-insurance/): Manufacturing Insurance Ontario It's an understatement to say that manufacturing businesses are different. So many products can be manufactured, from...
- [Wedding Insurance](https://staging.morisoninsurance.ca/personal-insurance/weddinguard-insurance/): Ontario Wedding Insurance A Weddinguard Insurance policy gives you an extra bit of reassurance for a very important moment in...
- [Disability & Critical Illness Insurance](https://staging.morisoninsurance.ca/business-insurance/disability-and-critical-illness-insurance/): Disability & Critical Illness Insurance Coverage In addition to Life Insurance, Morison Insurance offers Disability and Critical Illness Coverage. To...
- [Morison Insurance St. Catharines](https://staging.morisoninsurance.ca/st-catharines/): St. Catharines Insurance Brokers Looking for an insurance broker in St. Catharines, Ontario? Morison Insurance is a family-owned and operated...
- [Morison Insurance Haldimand](https://staging.morisoninsurance.ca/haldimand/): Haldimand Insurance Brokers Our Haldimand Insurance Brokers have served the people of Haldimand County since the early 1900s. Our company...
- [Car Insurance](https://staging.morisoninsurance.ca/car-insurance/): Car Insurance In Ontario. Simplified. Over 150,000 Canadians are injured on the road each year. This number only increases when...
- [Morison Insurance Hamilton](https://staging.morisoninsurance.ca/hamilton/): Hamilton Insurance Brokers If you are searching for an insurance broker in Hamilton, look no further than our brokers at...
- [Car Insurance Discounts](https://staging.morisoninsurance.ca/car-insurance/discounts/): Car Insurance Discounts And Savings in Ontario Having car insurance is a necessary—and legal—part of being a car owner. But...
- [Condo Insurance](https://staging.morisoninsurance.ca/home-insurance/condo-insurance/): Condo Insurance Ontario Condominium living requires specialized insurance to meet condo residents’ needs. Morison Insurance has the industry experience and...
- [Home Business Insurance](https://staging.morisoninsurance.ca/personal-insurance/home-business-insurance/): Ontario Home Based Business Insurance More and more people are operating businesses from their home. Having your business in your...
- [Home Insurance](https://staging.morisoninsurance.ca/home-insurance/): Home Insurance Ontario Homeowners Can Rely On We get it. You love your home. It's your castle, your sanctuary, your...
- [Cottage Insurance](https://staging.morisoninsurance.ca/home-insurance/cottage-insurance/): Cottage Insurance Ontario There's nothing quite like spending glorious Ontario summers at the lake or in your countryside cottage. For...
- [Landlord Insurance](https://staging.morisoninsurance.ca/home-insurance/landlords-insurance/): Protect Your Rental Property With the Right Insurance for Landlords Do you rent out a residential property such as a...
- [Party Alcohol Liability Insurance](https://staging.morisoninsurance.ca/party-alcohol-liability-insurance/): Party Alcohol Liability Insurance in Ontario Hosting a party? Party Alcohol Liability (PAL) Insurance coverage is a good idea if...
- [Personal Identity Theft Insurance](https://staging.morisoninsurance.ca/personal-insurance/personal-identity/): Ontario Personal Identity Theft Insurance Personal identity theft is one of the fastest-growing crimes in Canada. More and more Canadians...
- [Tenants Insurance](https://staging.morisoninsurance.ca/home-insurance/tenant-insurance/): Ontario Tenant Insurance At first glance, renting can appear a lot less risky than owning. Renting means you’re not on...
- [Water Damage Insurance](https://staging.morisoninsurance.ca/personal-insurance/water-damage-insurance/): Ontario Water Damage Insurance Did you know that your home insurance policy may not include sufficient water damage insurance? Furthermore,...
- [ATV Insurance](https://staging.morisoninsurance.ca/personal-insurance/atv-insurance/): Ontario ATV Insurance ATVs (all-terrain vehicles) are defined as self-propelled, recreational vehicles with four or more wheels designed to be...
- [Boat Insurance](https://staging.morisoninsurance.ca/personal-insurance/boat-insurance/): Protect Your Watercraft With the Boat Insurance Ontario Can Rely On Ontario's lakes and waterways offer some of the best...
- [Classic Car Insurance](https://staging.morisoninsurance.ca/car-insurance/classic-car-insurance/): Classic Car Insurance for Ontario Vehicle Enthusiasts For those who love the beauty, function, restoration, and vintage appeal of classic...
- [Snowmobile Insurance](https://staging.morisoninsurance.ca/personal-insurance/snowmobile-insurance/): Ontario Snowmobile Insurance In the True North Strong and Free, it makes sense to have a winter hobby that gets...
- [Rental Car Insurance](https://staging.morisoninsurance.ca/personal-insurance/rental-car-insurance/): Ontario Rental Car Insurance Rental car coverage will cover the cost of a rental vehicle while your vehicle is being...
- [RV Insurance](https://staging.morisoninsurance.ca/personal-insurance/rv-insurance/): Comprehensive RV Insurance Ontario Can Count On RVs are an exceedingly popular way to vacation and enjoy camping adventures in...
- [Usage-Based Insurance](https://staging.morisoninsurance.ca/car-insurance/usage-based-insurance/): Usage-Based Insurance in Ontario Usage-based insurance (UBI) is auto insurance designed to reward good driving behaviours. By downloading an app...
- [Business Interruption Insurance](https://staging.morisoninsurance.ca/business-insurance/business-interruption-insurance/): Business Interruption Insurance Ontario When a business is running smoothly, everything seems great. Your customers are happy with what you're...
- [Commercial Auto & Fleet Insurance](https://staging.morisoninsurance.ca/business-insurance/commercial-automobile-and-fleet-insurance/): Ontario Commercial Auto Insurance & Fleet Insurance A commercial automobile or fleet policy is an auto insurance policy designed for...
- [Commercial General Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/commercial-general-liability-insurance/): Commercial General Liability Insurance In Ontario Many factors contribute to the success of a business. As a business owner, you...
- [Commercial Umbrella or Excess Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/commercial-umbrella/): Ontario Excess Liability Insurance or Commercial Umbrella Insurance Business insurance is complex, and one of the most challenging parts is...
- [Contractors Insurance](https://staging.morisoninsurance.ca/business-insurance/contractors-insurance/): Insurance For Contractors In Ontario As a contractor and builder, you know that when you need a hammer, you use...
- [Directors and Officers Insurance](https://staging.morisoninsurance.ca/business-insurance/directors-and-officers-insurance/): Ontario Directors And Officers Insurance Coverage Any company that grows large enough will eventually require some directors and officers within...
- [Errors & Omissions Insurance](https://staging.morisoninsurance.ca/business-insurance/errors-and-omissions-insurance/): Errors And Omissions Insurance Ontario Errors and omissions insurance (also known as E&O insurance) is professional liability coverage required by...
- [Environmental or Pollution Liability Insurance](https://staging.morisoninsurance.ca/business-insurance/environmental-pollution-liability-insurance/): Ontario Environmental or Pollution Liability Insurance Environmental or Pollution Liability Insurance is designed for Commercial property owners, Businesses and Contractors...
- [Equipment Breakdown Insurance](https://staging.morisoninsurance.ca/business-insurance/equipment-breakdown-insurance/): Machinery & Equipment Breakdown Insurance Ontario Can Count On One of the best things about the modern world is the...
- [Morison Insurance Oakville](https://staging.morisoninsurance.ca/oakville/): Oakville Insurance Brokers Morison Insurance Oakville is an award-winning, full-service insurance brokerage that offers a wide range of personal insurance...
- [Travel Insurance](https://staging.morisoninsurance.ca/personal-insurance/travel-insurance/): Ontario Travel Insurance Travelling outside of Ontario? In most situations, OHIP will not cover all the medical expenses related to...
- [Why Choose Morison Insurance](https://staging.morisoninsurance.ca/about-us/why-choose-morison/): Why Choose Morison Insurance? What really matters to you? If you are like most people, protecting your family and your...
- [Our 10&10 Referral Rewards Program!](https://staging.morisoninsurance.ca/refer-a-friend/): Learn about our 10&10 Referral Rewards Program! For each new customer a Morison Insurance client refers our way, they will...
- [Our Insurance Partners](https://staging.morisoninsurance.ca/about-us/our-partners/): At Morison Insurance we represent many of Canada's most respected insurance companies. All of them provide competitive prices, excellent service,...
- [Motorcycle Insurance](https://staging.morisoninsurance.ca/personal-insurance/motorcycle-insurance/): Ontario Motorcycle Insurance Do you enjoy the freedom of hitting the road on two wheels? Whether you drive your motorcycle...

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## Posts

- [What Is an Insurance Deductible? | A Complete Guide From Morison Insurance](https://staging.morisoninsurance.ca/news/insurance-deductible/): Key Takeaways An insurance deductible is the amount you pay out of pocket before your insurance covers the rest of...
- [When to Replace Roofs: Signs Ontario Homeowners Should Watch Out For ](https://staging.morisoninsurance.ca/news/when-to-replace-roof/): Key Takeaways Properly maintaining your roof is essential for the safety, security, and comfort of your home, as it protects...
- [Checklist for What to Look for When Buying a Used Car ](https://staging.morisoninsurance.ca/news/buying-a-used-car/): Key Takeaways Following a comprehensive checklist of what to look for when buying a used car in Ontario helps potential...
- [6 Defensive Driving Tips That Will Help Keep You Safe On The Road ](https://staging.morisoninsurance.ca/news/defensive-driving-tips/): Defensive Driving Key Takeaways Following defensive driving tips for Ontario drivers is an essential part of safe driving, emphasizing the...
- [What Are Insurance Endorsements And Why You Need Them](https://staging.morisoninsurance.ca/news/insurance-endorsements/): What Is An Insurance Endorsement - Key Takeaways Insurance endorsements are essential for customizing your home, auto, and business insurance...
- [Your Guide to Peril Meaning in Insurance](https://staging.morisoninsurance.ca/news/peril-meaning-in-insurance/): Peril Insurance Meaning Key Takeaways: Insurance perils are unexpected events—like fire, theft, or storms—that can cause loss or damage to...
- [8 Popular Types of Travel Trailers Explained ](https://staging.morisoninsurance.ca/news/types-of-travel-trailers/): There are a wide variety of travel trailers, and its important to choose the one best suited for your needs....
- [Protect Your Business With One of the Best Business Insurance Companies in Ontario](https://staging.morisoninsurance.ca/news/best-business-insurance-companies/): Best Business Insurance Companies - Key Takeaways Learn about the best business insurance companies in Ontario, including Aviva, Travelers, Intact,...
- [Roof Maintenance Tips Every Homeowner Should Know](https://staging.morisoninsurance.ca/news/roof-maintenance-tips/): Roof Maintenance Tips - Key Takeaways Roof maintenance tips are crucial for homeowners to extend the life of their roofs...
- [Stay Safe This Summer With These Swimming Pool Safety Tips  ](https://staging.morisoninsurance.ca/news/pool-safety-tips/): Pool Safety Tips - Key Takeaways Pool safety tips are essential for reducing the risk of drowning and injuries during...
- [How To Open A Daycare In Ontario](https://staging.morisoninsurance.ca/news/how-to-open-a-daycare/): How to Open a Daycare in Ontario: Starting a Home or Licensed Child Care Program You love kids and you’re...
- [Workplace Safety Training: A Key Investment in Employee Health & Company Success](https://staging.morisoninsurance.ca/news/workplace-safety-training/): Workplace Safety Training Across Canada, many workplaces make it their mission to ensure that adequate safety training is provided for...
- [Starting a Handyman Business in Ontario? Here's Everything You Need To Know](https://staging.morisoninsurance.ca/news/starting-a-handyman-business/): Expert Advice on Starting a Handyman Business in Ontario Do you have a passion for home repair? Are you skilled...
- [Who Are The Best Home Insurance Companies in Ontario?](https://staging.morisoninsurance.ca/news/best-home-insurance-companies/): The Best Home Insurance Companies in Ontario Your home is your biggest investment, so it makes sense to ensure you...
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- [Back-To-School Safety Tips for Kids, Parents and Drivers To Keep in Mind](https://staging.morisoninsurance.ca/news/back-to-school-safety-tips/): Ontario Back-To-School Safety Tips Almost every day, children are out and about on roads and sidewalks as they make their...
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- [Home Fire Safety Tips To Keep You And Your Family Safe](https://staging.morisoninsurance.ca/news/home-fire-safety/): The Importance Of Home Fire Safety Basic home fire safety tips have been drilled into our minds since we were...
- [The Ultimate Guide To Boat Storage Options](https://staging.morisoninsurance.ca/news/boat-storage-options/): How Weather Can Threaten Your Boat You don't need a degree in climatology to know that Canada can have extreme...
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- [OPCF 20 Explained](https://staging.morisoninsurance.ca/news/opcf-20-explained/): What Ontario Drivers Need to Know About OPCF 20 Loss of Use Coverage No matter how many years you've been...
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- [Halloween Safety Tips To Make The End Of October A Treat](https://staging.morisoninsurance.ca/news/halloween-safety-tips/): Staying Safe On Halloween Halloween is traditionally seen as the scariest time of year. While this makes it an exciting...
- [The Best Hiking Trails In Ontario](https://staging.morisoninsurance.ca/news/best-hiking-trails-in-ontario/): The Joys Of Hiking Physical activity can come in various forms and provides a rewarding sense of accomplishment through the...
- [Ontario Agriculture Risk Management Tips](https://staging.morisoninsurance.ca/news/agriculture-risk-management/): Tips on Risk Management in Agriculture for Ontario Farmers Whether you raise livestock, grow crops or own another type of...
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- [The Change of Address Checklist: Who to Notify    ](https://staging.morisoninsurance.ca/news/change-of-address-checklist/): Moving in Ontario? Follow This Change of Address Checklist to Learn Who You Need to Notify Moving can be both...
- [All You Need to Know About Ontario's Car Tag Program](https://staging.morisoninsurance.ca/news/car-tag-program/): Tracking Car Tag Program FAQ: How It Works and Why You Should Consider It Did you know that as of...
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- [What Are The Most Fuel Efficient Cars?](https://staging.morisoninsurance.ca/news/most-fuel-efficient-cars/): What Is Fuel Efficiency? Fuel efficiency, or gas mileage, measures how well a car uses its gasoline to move. The...
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- [The Basic Guide To Your Auto Insurance Renewal](https://staging.morisoninsurance.ca/news/auto-insurance-renewal/): An Auto Insurance Renewal Overview Insurance policies don't last forever. While this might seem like a bad thing, it is...
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- [Your Spring Car Maintenance Checklist to Keep Your Car in Great Shape](https://staging.morisoninsurance.ca/news/spring-car-maintenance-checklist/): Keep your car in tip-top shape by following these spring car maintenance tips! Change to summer or all-season tires. While...
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- [What Homeowners Should Know About Wood Fireplace Maintenance](https://staging.morisoninsurance.ca/news/wood-fireplace-maintenance/): What To Know About Wood Fireplace Maintenance There's a good reason why wood-burning fireplaces are such desirable amenities in homes...
- [Why Tenant Legal Liability Insurance Is Necessary for Rented Commercial Properties in Ontario](https://staging.morisoninsurance.ca/news/why-tenant-legal-liability-insurance-is-necessary/): The Need for Tenant Legal Liability Insurance in Ontario's Commercial Rentals It's a widespread practice for business owners to rent...
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- [The Importance of Having a Business Fire Prevention Plan](https://staging.morisoninsurance.ca/news/business-fire-prevention-plan/): Why Your Business Needs a Fire Prevention Plan When a fire breaks out, it's not uncommon for people to panic....
- [8 Small Business Risks You Should Know About](https://staging.morisoninsurance.ca/news/small-business-risks/): 8 Small Business Risks And Ideas For Managing Them We've all heard the old adage, "Nothing ventured, nothing gained," and...
- [10 Tips to Prevent a Home Break-In](https://staging.morisoninsurance.ca/news/prevent-a-home-break-in/): Preventing Home Break-ins Hearing an unusual noise in the middle of the night or finding your front door ajar when...
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- [Ontario Snowbird Insurance 101: Protect Your Home and Car During Your Absence](https://staging.morisoninsurance.ca/news/snowbird-insurance/): Travelling South In The Winter There are plenty of questions you can ask people to get to know them better....
- [7 Environmental Home Updates That Impact Insurance](https://staging.morisoninsurance.ca/news/environmental-home-updates/): Reducing Insurance Claims with Environmental Home Updates If you've been thinking about making some environmental home updates to your home,...
- [How to Prevent Frozen Pipes: A Guide For Ontario Homeowners](https://staging.morisoninsurance.ca/news/prevent-frozen-pipes-in-home/): Preventing Frozen Pipes: A Comprehensive Guide for Ontario Homeowners On a regular, warm day, water will flow through your pipes...
- [Home Renovations Checklist: Making Your Dreams, a Reality](https://staging.morisoninsurance.ca/news/home-renovation-checklist/): The Importance Of Understanding Home Renovations A home renovation project is always very exciting. Whether you're upgrading your home to...
- [Winter Storm Emergency Kit: 14 Must-Have Items In Your Home](https://staging.morisoninsurance.ca/news/winter-storm-emergency-kit-for-your-home/): The Importance of Having A Winter Storm Emergency Kit in Your Home There are a lot of things people love...
- [The Pros & Cons of Usage-Based Insurance](https://staging.morisoninsurance.ca/news/pros-cons-usage-based-insurance/): What are the Pros and Cons of Usage-Based Insurance? If you're considering usage-based insurance, it's probably because you're interested in...
- [How to Prepare Your Business for Winter](https://staging.morisoninsurance.ca/news/prepare-business-for-winter/): Essential Business Winterization Tips for Business Owners When you own a business, there is what seems like an endless list...
- [What Information is Collected for Usage-Based Insurance?](https://staging.morisoninsurance.ca/news/information-collected-for-usage-based-insurance/): Why Does Usage-Based Insurance Need Information? It’s a completely fair and valid concern to be skeptical of companies taking your...
- [11 Winter Energy Saving Tips To Keep Your Home And Bank Account Warm](https://staging.morisoninsurance.ca/news/winter-energy-saving-tips/): Keeping Your Place Warm In The Winter There is absolutely snow way to deny it... winter months are cold. While...
- [Kitchen Safety Tips To Keep Your Family Safe](https://staging.morisoninsurance.ca/news/kitchen-safety-tips/): The Importance Of Kitchen Safety Whether you’re just preparing dinner for the night, or preparing dinner for your friends and...
- [16 Cyber Security Tips For Business Owners](https://staging.morisoninsurance.ca/news/cybersecurity-tips-for-businesses/): Safeguarding Your Business With Cybersecurity Tips You've got to juggle many different tasks and considerations as a business owner, including...
- [Why Your Ontario Business Needs Legal Services Insurance](https://staging.morisoninsurance.ca/news/why-businesses-need-legal-services-insurance/): Why Legal Services Insurance is a Necessity for Ontario Businesses Have you ever found yourself in a situation where you...
- [How Keeping Track Of Your Inventory Can Impact Your Insurance](https://staging.morisoninsurance.ca/news/importance-of-inventory-tracking-for-insurance/): Understanding the Significance of Inventory Tracking for Insurance Whether you own a large retail business with tens of thousands of...
- [11 Key Factors That Go Into Determining Business Insurance Premiums](https://staging.morisoninsurance.ca/news/factors-that-determine-business-insurance-premiums/): Factors Affecting Business Insurance Premiums Whether you're getting everything you need to be prepared to open a brand-new business or...
- [What Landlords Should Know About Rental Property Maintenance in Ontario](https://staging.morisoninsurance.ca/news/rental-property-maintenance/): Essential Insights on Rental Property Maintenance for Landlords in Ontario It's not uncommon for people to assume that being a...
- [Seasonal Snowmobile Maintenance Tips](https://staging.morisoninsurance.ca/news/snowmobile-maintenance/): The Importance Of Snowmobile Maintenance There are plenty of fun things that you can do during the winter. You can...
- [Handyman Business Risk Exposures: Why Insurance is Essential](https://staging.morisoninsurance.ca/news/handyman-businesses-risks/): Understanding The Risks Faced by Handyman Businesses Building a career as a professional handyman makes perfect sense if you love...
- [Fall Home Maintenance Checklist: What Ontarians Should Complete Before Winter](https://staging.morisoninsurance.ca/news/fall-home-maintenance-checklist/): The Beauty Of Fall Whether you call it fall or autumn, this season has many beautiful things happening. The leaves...
- [10 Common Cyber Insurance Myths and Why You Shouldn't Believe Them](https://staging.morisoninsurance.ca/news/cyber-insurance-myths/): Don't Believe These Common Cyber Insurance Myths Most business owners understand very clearly why commercial business insurance is so important....
- [Protect Yourself: Red Flags to Identify a Scam](https://staging.morisoninsurance.ca/news/identify-a-scam/): Are Scams A Real Threat? Scamming is an absolutely massive threat to everyone. Most people get a large array of...
- [Top 10 ATV Safety Tips](https://staging.morisoninsurance.ca/news/atv-safety-tips/): The Importance of ATV Safety Although ATV does not stand for A Terrific Vehicle (it stands for All Terrain Vehicle),...
- [Top 10 Workplace Safety Tips For Your Business](https://staging.morisoninsurance.ca/news/workplace-safety-tips/): Why is Workplace Safety Important? Many people take workplace safety for granted. It causes them to think of cheesy videos...
- [An Adventurer’s Seasonal RV Maintenance Checklist](https://staging.morisoninsurance.ca/news/rv-maintenance/): How To Keep Your RV Running Smoothly For Years If you have an RV, also known as a recreational vehicle,...
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- [The Essential Guide To Protecting Your Waterfront Property From the Hassle and Expense of Water Damage](https://staging.morisoninsurance.ca/news/protecting-waterfront-property/): Protecting Waterfront Property from Water Damage Extreme weather events are rising in Canada, so the rate of water damage insurance...
- [7 Risk Management Tips For Plumbers](https://staging.morisoninsurance.ca/news/risk-management-tips-for-plumbers/): Managing Risks As A Plumber While plumbing isn't exactly at the top of the list of the riskiest careers, it...
- [Are Your Belongings Covered When Using a Moving Company?](https://staging.morisoninsurance.ca/news/insuring-contents-when-using-a-moving-company/): The Importance of Insurance While Moving Moving can be one of the most stressful times in your life. You typically...
- [14 Road Trip Safety Tips to Ensure Your Fun Isn’t Interrupted](https://staging.morisoninsurance.ca/news/road-trip-safety-tips/): The Importance of Road Trip Safety A family road trip can be a great way to spend a few days...
- [Vehicle Use and Why It Affects Auto Insurance Rating](https://staging.morisoninsurance.ca/news/vehicle-use-affects-insurance-rating/): Why Having Your Vehicle Rated For The Correct Use Is A Necessity If you have a personal vehicle, you need...
- [8 Fascinating Facts Pool Owners Should Know About Pool Insurance](https://staging.morisoninsurance.ca/news/facts-about-swimming-pool-insurance/): What is Swimming Pool Liability Insurance? Swimming pool liability insurance is a specific type of personal liability insurance that protects...
- [Ultimate Guide to Classic Car Storage and Maintenance](https://staging.morisoninsurance.ca/news/classic-car-storage-and-maintenance/): Classic Car Storage and Maintenance Tips for Ontario Car Enthusiasts If you own a classic car, you already know it's...
- [How To Manage Your Commercial Property Risks](https://staging.morisoninsurance.ca/news/commercial-property-risk-management/): Commercial Property Risk Management 101 Commercial property owners and property managers have a lot on their shoulders, and not least...
- [The 12 Best Ways to Prevent Car Theft](https://staging.morisoninsurance.ca/news/protect-your-car-from-theft/): Follow These Car Theft Prevention Tips & Driver Habits to Stop Car Theft Auto theft is an ever-increasing crime in...
- [The Ultimate Guide to Cottage Maintenance](https://staging.morisoninsurance.ca/news/ultimate-guide-to-cottage-maintenance/): Why Is Cottage Maintenance Important? Maintaining your cottage is crucial. Imagine that you're going up to your seasonal cottage for...
- [Top 11 HVAC Contractors Risk Exposures](https://staging.morisoninsurance.ca/news/top-hvac-contractors-risk-exposures/): What Are The Risk Exposures For HVAC Contractors Canadians love to talk about the weather, and with good reason—it's often...
- [8 Essential Boat Safety Tips](https://staging.morisoninsurance.ca/news/top-8-boat-safety-tips/): Preparing For Fun On The Water With Boat Safety Tips Ontario's lakes and rivers are amazing. From the Great Lakes...
- [Top Boat Maintenance Tips for Ontario Boaters](https://staging.morisoninsurance.ca/news/boat-maintenance-tips/): Ontario Boat Maintenance Tips Ontario is well-known as a haven for anyone who loves boating on the lake. Ontario boasts...
- [Why Personal Trainers Should Require Questionnaires From Clients](https://staging.morisoninsurance.ca/news/why-personal-trainer-questionnaires-are-recommended/): Personal Trainer Questionnaires are Recommended and Here's Why If you've been a personal trainer in Ontario for some time now,...
- [Will My Car Insurance Cover Me Outside of Ontario?](https://staging.morisoninsurance.ca/news/car-insurance-coverage-travelling-outside-of-ontario/): Will My Ontario Car Insurance Policy Cover Me In Another Province Or The United States? When you live in a...
- [How to Properly Insure High-Value Items](https://staging.morisoninsurance.ca/news/how-to-properly-insure-high-value-items/): Properly Insuring High-Value Items When the topic of how to insure high-value items comes up, people often assume one of...
- [The Importance of an Accounting Engagement Letter](https://staging.morisoninsurance.ca/news/the-importance-of-an-accounting-engagement-letter/): What To Know About Accounting Engagement Letters As an accountant, you provide essential services that most businesses and individuals need....
- [Can Electric Cars Handle Ontario Winters?](https://staging.morisoninsurance.ca/news/can-electric-cars-handle-ontario-winters/): The Facts About How Electric Cars Handle Ontario Winters More and more all-electric cars are on Ontario roads as more...
- [Contractors Should Provide a Certificate of Insurance—Here's Why](https://staging.morisoninsurance.ca/news/why-contractors-should-provide-certificate-of-insurance/): The Importance of a Contractors Certificate of Insurance Whether you're a roofer, an electrician, a mason or one of the...
- [The Ultimate Guide to Buying a Cottage](https://staging.morisoninsurance.ca/news/tips-for-buying-a-cottage/): Tips for Buying a Cottage in Ontario Many Canadians dream of having a cottage, summer home, lake house, cabin in...
- [The Ultimate Guide to Making a Home Inventory List](https://staging.morisoninsurance.ca/news/home-inventory-list/): Home Inventory List 101 Whether you own or rent your home, it's essential to ensure your belongings are backed with...
- [The Importance of Insuring Your Home To Its Full Replacement Value](https://staging.morisoninsurance.ca/news/insuring-your-home-to-full-replacement-value/): Everything Homeowners Should Know About Insuring Their Home To Full Replacement Value Becoming a homeowner is an important milestone in...
- [10 Home Insurance Myths You’ve Probably Asked Yourself (And the Answers)](https://staging.morisoninsurance.ca/news/10-home-insurance-myths-debunked/): Let's Get You The Facts About Home Insurance Myths Insurance can be complicated. Most of us know we need insurance,...
- [How Different Life Stages May Impact Your Insurance Needs](https://staging.morisoninsurance.ca/news/life-stages-that-impact-insurance-needs/): Insurance Needs Change Throughout Your Life Our lives are constantly changing, and so are your insurance needs. We buy cars...
- [8 Tips To Remember When Buying a Car in Ontario](https://staging.morisoninsurance.ca/news/tips-for-buying-a-car/): Tips For Buying a New Car Purchasing a new (or new-to-you) vehicle is a big financial decision that requires a...
- [12 Tips to Prepare Your Vehicle for an Ontario Winter](https://staging.morisoninsurance.ca/news/prepare-your-vehicle-for-winter/): Winterize Your Car In Ontario For some people, winter is their favourite time of year. They get to play winter...
- [Renewing Your Ontario Drivers Licence and Licence Plates - Everything You Need to Know](https://staging.morisoninsurance.ca/news/renewing-drivers-licence-and-plates-in-ontario/): Changes About Ontario Driver’s Licences and Licence Plate Renewals Over the past few years, many reports have been published about...
- [12 Snowmobile Safety Tips To Help Keep You Safe On Ontario Trails](https://staging.morisoninsurance.ca/news/snowmobile-safety-tips/): Review These Snowmobile Safety Tips Before You Hit The Ontario Trails Think about a fresh, sparkling blanket of untouched snow...
- [Why It's Important to Have an Insurance History](https://staging.morisoninsurance.ca/news/insurance-history-importance/): The Importance of an Insurance History Most people understand that it's important to build a credit history by responsibly managing...
- [9 Questions to Ask Your Realtor When Shopping for a House](https://staging.morisoninsurance.ca/news/questions-to-ask-realtor-when-shopping-for-a-house/): Ask Your Realtor These Questions When Shopping for a House Buying a house is an exciting venture that marks a...
- [Top Insurance Tips for Married Couples](https://staging.morisoninsurance.ca/news/insurance-tips-for-married-couples/): Insurance Tips For Married Couples Two people coming together in marriage to form a new family is a significant milestone...
- [15 Tips For Winterizing Your Home In Ontario](https://staging.morisoninsurance.ca/news/winterizing-your-home/): Winterizing Your Home Tips Even when we're splashing around at the lake in the summer or enjoying the beautiful, changing...
- [Winterizing a Cottage in Ontario: How to Avoid Damage During the Colder Months](https://staging.morisoninsurance.ca/news/winterizing-a-cottage/): Ontario Cottage Winterizing 101 From those hot summer days spent splashing in the lake and working on your tan, to...
- [10 of Our Best Tips for Buying a Condo](https://staging.morisoninsurance.ca/news/tips-for-buying-a-condo/): Expert Tips for Buying a Condo In Ontario If you want to buy a condo, you've come to the right...
- [Everything You Need To Know About Accident Benefits Coverage in Ontario](https://staging.morisoninsurance.ca/news/accident-benefits/): Find Out More About the Accident Benefits Ontario Drivers Need Most of us do it at least once daily: We...
- [The Complete Moving Checklist For Stress-Free Packing](https://staging.morisoninsurance.ca/news/moving-checklist/): The Ultimate Moving Checklist Moving. Yeah, the pack-up-ALL-your-stuff and go-to-a-new-home kind of moving. The process can be exhilarating and energizing....
- [8 Home Improvements That Can Save You Money On Insurance](https://staging.morisoninsurance.ca/news/home-improvements-to-lower-your-insurance-premium/): What Home Improvements Can Impact Your Insurance? Do you have home renovations that you have been putting off? This is...
- [Spring Into The Warmer Weather With A Spring Home Maintenance Checklist](https://staging.morisoninsurance.ca/news/spring-home-maintenance-checklist/): Spring Home Maintenance Checklist: Home Maintenance Tips For Your Spring Clean Depending on your feelings about the seasons, spring can...
- [What to Know About Buying (and Charging) an Electric Car](https://staging.morisoninsurance.ca/news/buying-and-charging-electric-car/): Top Tips for Purchasing and Charing your Electric Vehicle So, you want to buy an electric car, but naturally you...
- [Top 16 Questions to Ask Before Getting a Home or Auto Online Insurance Quote](https://staging.morisoninsurance.ca/news/questions-to-ask-online-insurance-quote/): What To Ask When Shopping for Online Insurance Quotes When shopping around for home and auto insurance, it's imperative to...
- [Top 11 Home Insurance Problems and Solutions](https://staging.morisoninsurance.ca/news/home-insurance-problems-and-solutions/): Home Insurance Problems To Look Out For And Their Solutions Your home is one of the most important investments you...
- [How Much Does Home Insurance Cost in Ontario? A Comprehensive Guide](https://staging.morisoninsurance.ca/news/home-insurance-cost-in-ontario-guide/): Your Comprehensive Guide to Home Insurance Costs in Ontario When it comes to purchasing home insurance, you naturally want the...
- [The Essential Guide to Mortgage Protection Insurance in Ontario](https://staging.morisoninsurance.ca/news/mortgage-protection-insurance-ontario-guide/): Ontario Mortgage Protection Insurance 101 Buying a home is a major responsibility. While there are many benefits of home ownership,...
- [Home Insurance from a Broker VS Direct Writer: An Honest Comparison](https://staging.morisoninsurance.ca/news/home-insurance-from-a-broker-vs-direct-writer/): What You Need To Know About Brokers VS Direct Writers When shopping around for home insurance, you naturally want the...
- [Tips for Caring for Your Electric and Hybrid Vehicle](https://staging.morisoninsurance.ca/news/electric-and-hybrid-vehicle-care-tips/): Electric and Hybrid Vehicle Care Guide Whether you've decided to invest in an electric vehicle and do your part for...
- [Safe Driving Technology: What’s Most Important When Shopping for a New Car](https://staging.morisoninsurance.ca/news/new-car-safe-driving-technology/): Safe Driving Technology Considerations When Shopping for a New Car Without a doubt, there are numerous high-tech gadgets and gizmos...
- [10 Tips for Buying a Luxury Home in Ontario](https://staging.morisoninsurance.ca/news/tips-buying-luxury-home-ontario/): Top Expert Tips For Buying a Luxury Home in Ontario If you're shopping around in the luxury home market, it's...
- [What You Need to Know About Rental Property Investments](https://staging.morisoninsurance.ca/news/rental-property-investments-guide/): Your Guide on Rental Property Investments Are you thinking of purchasing a residential rental property to boost your income and...
- [Learn the Top Ontario Real Estate Trends for 2023](https://staging.morisoninsurance.ca/news/ontario-real-estate-trends/): What to Expect From the Ontario Real Estate Market in 2023 If you're thinking of buying or selling real estate...
- [Home Security Systems 101: Everything Ontario Homeowners Should Know](https://staging.morisoninsurance.ca/news/home-security-systems/): Everything Ontario Homeowners Should Know About Home Security Systems As a homeowner, you pour endless love and care into your...
- [Moving Your Insurance To Ontario:  Everything You Need To Know](https://staging.morisoninsurance.ca/news/moving-to-ontario-insurance/): Are You Moving To Ontario From Another Province? If you are moving to Ontario from another province, welcome! There is...
- [The First-Time Homebuyer's Guide](https://staging.morisoninsurance.ca/news/first-time-homebuyers-guide/): A Guide To Buying Your First Home To want a home is human. Home means safety. It’s a comfy sanctuary...
- [Insurance For A New Car: Everything You Need To Know About Insuring A New Vehicle](https://staging.morisoninsurance.ca/news/insurance-for-a-new-car/): Car Insurance For A New Car Have you purchased a new car? Are you thinking of buying one? Before you...
- [Your Hassle-Free Insurance Solution: Morison Insurance Brokers](https://staging.morisoninsurance.ca/news/hassle-free-insurance/): Shopping for insurance shouldn’t be a hassle Don't you love it when things are quick, easy, and stress-free? Why can't...
- [The Benefits of working with a Full-Service Insurance Brokerage](https://staging.morisoninsurance.ca/news/full-service-insurance/): What is a full-service insurance brokerage? A full-service insurance brokerage offers insurance coverage for your home, auto, business, and recreational...
- [What You Need To Know About Changing Insurance Brokers](https://staging.morisoninsurance.ca/news/how-to-change-insurance-brokers/): Can I Change Insurance Brokers? Yes. You can change insurance brokers. Changing insurance brokers is often done when customers are...
- [The Benefits of Speaking with An Insurance Broker When Buying Insurance (Instead of Trying to Do It All On Your Own, Online)](https://staging.morisoninsurance.ca/news/why-you-should-speak-to-an-insurance-broker/): Insurance is all about providing protection Why does anyone bother to purchase insurance in the first place? Because, if something...
- [How to Switch Insurance Companies: Everything You Need To Know](https://staging.morisoninsurance.ca/news/switch-insurance-companies/): Everything You Need To Know About Switching Insurance Companies If you're considering switching insurance companies, you likely have questions about...
- [Everything You Need To Know About Getting Cottage Insurance Quotes](https://staging.morisoninsurance.ca/news/cottage-insurance-quotes-what-you-need-to-know/): Your cottage is your family get-away. It's where you go to make memories, escape from city life, and relax. That's...
- [Getting Rental Property Insurance Right: How Landlords Can Ensure Their Rentals Are Properly Protected](https://staging.morisoninsurance.ca/news/rental-property-insurance-the-right-way/): What is rental property insurance? Rental property insurance, also known as landlord insurance, is financial protection for properties such as...
- [Renters Insurance: Everything You Need To Know](https://staging.morisoninsurance.ca/news/renters-insurance-everything-you-need-to-know/): What is renters insurance? Renters insurance, also known as tenant insurance, rental property insurance, and home renters insurance, protects your...
- [The Benefits Of An Insurance Broker: Why You Should Work With A Broker](https://staging.morisoninsurance.ca/news/benefits-of-an-insurance-broker/): Insurance Broker Benefits Suppose you are looking for new types of insurance coverage or need some help and advice on...
- [Everything to Know About Finding the Best Car Insurance Companies in Canada](https://staging.morisoninsurance.ca/news/ontario-car-insurance-companies/): Key Takeaways With over 100 insurance companies in Ontario, it's crucial to compare options based on coverage, prices, reputation, and...
- [How Having A Clean Driving Record Can Positively Affect Your Car Insurance](https://staging.morisoninsurance.ca/news/car-insurance-for-clean-driving-record/): Car Insurance For Clean Driving Record Are you a good driver? Do you also feel like you're paying high insurance...
- [Home Alarm Insurance Discount: Everything You Need To Know](https://staging.morisoninsurance.ca/news/home-alarm-insurance-discount/): Home Alarm Insurance Discount When you think of your home, what comes to mind? Relaxing on a comfy couch watching...
- [How to find the right home insurance in Ontario](https://staging.morisoninsurance.ca/news/home-insurance-in-ontario/): What Is Home Insurance In Ontario? Home insurance is protection for losses to your home, property and possessions. It includes...
- [10 Car Insurance Myths You've Probably Asked Yourself (And The Answers)](https://staging.morisoninsurance.ca/news/10-common-car-insurance-myths-debunked/): Let's Get You The Facts About These Car Insurance Myths There are so many car insurance myths out there and...
- [Why The Lowest Premium Doesn’t Equal The Best Insurance Coverage](https://staging.morisoninsurance.ca/news/why-lowest-premium-doesnt-equal-the-best-insurance-coverage/): What Is The Best Insurance Coverage? The best insurance coverage provides insurance protection and has you prepared for life’s “what...
- [A Guide to Choosing The Right Home And Auto Insurance Brokers](https://staging.morisoninsurance.ca/news/choosing-the-right-home-and-auto-insurance-brokers/): Why Should I Work With Home And Auto Insurance Brokers? There are many benefits to working with brokers who specialize...
- [How To Leave An Online Review For My Insurance Broker](https://staging.morisoninsurance.ca/news/how-to-leave-an-online-review/): How Do I Leave An Online Review For My Insurance Broker? Leaving an online review is easy! Leave your insurance...
- [What Makes The Best Insurance Brokers?](https://staging.morisoninsurance.ca/news/what-makes-the-best-insurance-brokers/): Why You Should Get Insurance From The Best Insurance Brokers When you use the services of the best insurance brokers...
- [New Build Home Insurance: What You Need To Know](https://staging.morisoninsurance.ca/news/new-build-home-insurance-what-you-need-to-know/): New Build Home Insurance And Condo Insurance Congrats! You are a new home or condo owner. This is a super-exciting...
- [Insurance Broker vs Insurance Agent: What's the Difference?](https://staging.morisoninsurance.ca/news/broker-vs-agent-whats-the-difference/): What's the Difference Between a Broker and an Insurance Agent? If you've been shopping around, looking for the best insurance...
- [Why Is Auto Insurance So Expensive?](https://staging.morisoninsurance.ca/news/why-is-auto-insurance-so-expensive/): Analyzing the Rising Cost of Auto Insurance in Ontario Insurance brokers across Ontario have been hearing from customers who are...
- [Does Your Homeowners Insurance Cover Your Jewellery?](https://staging.morisoninsurance.ca/news/does-your-homeowners-insurance-cover-your-jewellery/): It is a common assumption that homeowners make. But does your homeowner's insurance automatically cover your jewellery? The best person...
- [Distracted Driving Laws in Ontario](https://staging.morisoninsurance.ca/news/distracted-driving-laws-in-ontario/): Distracted Driving Laws in Ontario – Effective January 1, 2019 The new Distracted Driving Laws in Ontario are in effect...
- [Tips To Protect Your Property At Home When You Are Travelling](https://staging.morisoninsurance.ca/news/protect-your-property-when-you-are-travelling/): Protecting Your Property While You Are Travelling When winter winds blow, many of us turn our minds to a winter...
- [What is Personal Umbrella Coverage?](https://staging.morisoninsurance.ca/news/personal-umbrella-coverage/): Umbrella coverage is an extension of your existing home, cottage, rental, watercraft or auto insurance policies. It would cover you...
- [How to Prepare Your Home For a Wind Storm](https://staging.morisoninsurance.ca/news/prepare-home-wind-storm/): On May 4, 2018 Ontario was hit with a wind storm that caused $380 Million dollars in damages, according to...
- [Back to School Insurance Savings and Tips](https://staging.morisoninsurance.ca/news/back-to-school-savings/): As summer holidays have come to an end, it’s time for back to school. Kids everywhere are starting a new...
- [Is your Vacant Dwelling properly protected?](https://staging.morisoninsurance.ca/news/vacant-dwelling/): A dwelling will be deemed vacant when its occupants have left and do not have any intention of returning. It...
- [What You Need to Know About Occasional Drivers Insurance](https://staging.morisoninsurance.ca/news/occasional-drivers-insurance/): Your son or daughter has passed their G2 driving test and will now be using your car occasionally on their...
- [10 Tips To Beat The Heat And Control Your Hydro Costs This Summer](https://staging.morisoninsurance.ca/news/tips-beat-heat-control-hydro-costs/): The summer heat is here. Here are some tips to keep you cool while also keeping your hydro costs in...
- [Protect Your Special Day with Event Liability Coverage](https://staging.morisoninsurance.ca/news/special-event-liability-coverage/): Are you planning on hosting a party, wedding or another event? Will you be hosting an event that alcohol will...
- [Will Insurance Cover Windshield Damage?](https://staging.morisoninsurance.ca/news/windshield-damage/): Every driver has experienced some sort of windshield damage while behind the wheel. Regardless of where you are, debris is...
- [Road Trip Ideas & Tips for Summer 2018](https://staging.morisoninsurance.ca/news/road-trip-ideas-tips-summer-2018/): The summer months are a great time for a road trip. Pack the family in the car and head off...
- [Protect Your Boat With Boat Insurance](https://staging.morisoninsurance.ca/news/protect-your-boat/): If you’re among those who are lucky enough to own your own boat, you know that it’s a rewarding, yet...
- [Why Your Business Needs Non-Owned Automobile Insurance](https://staging.morisoninsurance.ca/news/non-owned-automobile-insurance/): Business owners are well aware of the importance of insurance protection for their owned vehicles. Insurance coverage is important to...
- [15 Factors That Can Affect Your Home Insurance Premium](https://staging.morisoninsurance.ca/news/15-factors-that-affect-home-insurance-premiums/): Do you ever wonder what factors insurance companies use to determine premiums for property insurance? Read this for ten factors...
- [How Tickets Affect Your Automobile Insurance](https://staging.morisoninsurance.ca/news/tickets/): Have you ever been pulled over by a police officer and been told that the ticket he’s about to give...
- [Why You Need Tenants Insurance](https://staging.morisoninsurance.ca/news/tenants-insurance/): Whether you live in an apartment building, rent a house or a basement apartment, tenants insurance is what you need...
- [10 Ways to Save on Home Insurance](https://staging.morisoninsurance.ca/news/save-on-home-insurance/): We are all looking at ways to keep our hard earned money in our pockets. There are many ways to...
- [Cyber Coverage for Businesses - What You Need to Know](https://staging.morisoninsurance.ca/news/cyber-coverage/): Cyber Coverage is an important aspect of insurance that every business requires in the digital era. Regardless of size, any...
- [Are You Properly Covered for an Automobile Accident?](https://staging.morisoninsurance.ca/news/automobile-accident/): In the event of an automobile accident the last thing you want to worry about is if you are properly...
- [Home Renovations: Why You Should Notify Your Insurance Company](https://staging.morisoninsurance.ca/news/home-renovations/): Thinking about doing some home renovations? Your Homeowners’ insurance policy is designed to cover the replacement cost of your home...
- [Am I Covered For Water Damage To My Home?](https://staging.morisoninsurance.ca/news/water-damage/): Disasters can happen anytime! Water damage has replaced house fires as the most expensive source of home insurance claims.
- [Cash Crop Insurance: What You Need To Know](https://staging.morisoninsurance.ca/news/cash-crop/): If you’re a Cash Crop Farmer we understand that your farm is both your home, and your business. A Cash...
- [All About Insurance Replacement Cost](https://staging.morisoninsurance.ca/news/replacement-cost/): The replacement cost of your home can be easily misunderstood. This property insurance term refers to the value of your...
- [Auto Insurance Fraud: A $2 billion problem](https://staging.morisoninsurance.ca/news/auto-insurance-fraud-2-billion-year-problem/): About $2 billion a year. That's the estimated cost of auto insurance fraud in Canada annually. Auto insurance fraud is...
- [Insuring a Cottage: What to Think About](https://staging.morisoninsurance.ca/news/insuring-a-cottage/): The sun is shining and spring is just around the corner. Make sure your home away from home is protected...
- [What is Co-Insurance?](https://staging.morisoninsurance.ca/news/co-insurance/): Co-Insurance is one of the most misunderstood and confusing concepts in insurance. It is a fundamental principle of property insurance...
- [Be Properly Insured: Details Matter](https://staging.morisoninsurance.ca/news/be-properly-insured/): At Morison Insurance we want to make sure you are protected and we will try to save you money any...
- [What to Know When Insuring ATV's and Off-Road Vehicles](https://staging.morisoninsurance.ca/news/atv-off-road-vehicles/): When you love to ride your ATV or off-road vehicles, you want to make sure you are adequately insured! These...
- [Insuring Your Condo](https://staging.morisoninsurance.ca/news/insuring-your-condo/): Condominiums are like snowflakes, no two are the same! When looking to insure your condo, be sure to obtain the...
- [How to Handle a Hit and Run](https://staging.morisoninsurance.ca/news/hit-and-run/): As a vehicle owner and operator, being involved in an automobile accident is never a pleasant experience. The situation can...
- [Why Has My Premium Increased?](https://staging.morisoninsurance.ca/news/why-has-my-premium-increased/): There is nothing more frustrating than learning that your home or auto insurance has increased. There are different scenarios as...
- [25 Things You Need In Your Winter Emergency Car Kit](https://staging.morisoninsurance.ca/news/winter-emergency-kit-essentials/): No matter how many hockey bags you’re trying to fit in your trunk, you should never hit the road without...
- [20 Winter Driving Tips To Help Keep You Safe On The Road](https://staging.morisoninsurance.ca/news/drive-safe-this-winter/): Winter driving can be dangerous. A clear and sunny winter day can quickly turn to snowy, blowy and icy conditions...
- [Jewellery Insurance For All That Sparkles](https://staging.morisoninsurance.ca/news/insurance-for-all-that-sparkles/): Are you planning to give a special gift to an extra special someone? Maybe an engagement ring? A gorgeous pair...
- [Car Insurance Travel Tips](https://staging.morisoninsurance.ca/news/car-insurance-travel-tips/): Here are some auto insurance tips to help ensure you have a worry-free vacation. Whether you are travelling for a...
- [National Home Fire Safety Week](https://staging.morisoninsurance.ca/news/national-home-fire-safety-week-2/): With the holiday season just around the corner, this is the time of year that your kitchen is being used...
- [Why Do You Need Business Insurance?](https://staging.morisoninsurance.ca/news/need-business-insurance/): Businesses may have a variety of assets such as vehicles, office space and equipment, inventory, employees, a partner and, most...
- [Change Your Clocks, Change Your Batteries, Save Lives](https://staging.morisoninsurance.ca/news/change-clocks-change-batteries-save-lives/): When you turn back your clocks by an hour on November 5th for daylight savings time, make sure also check...
- [Preparing your Home for Winter Weather](https://staging.morisoninsurance.ca/news/preparing-home-for-winter/): Be prepared. Winter weather can pack a wallop and it's best to have your home winter-ready. Here are a few...
- [Winter Tire Insurance Discount: Drive Safe and Save!](https://staging.morisoninsurance.ca/news/winter-tire-insurance-discount/): We are enjoying lovely fall weather, but we all know winter snow and ice is on the way. Did you...

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## Insurance Companies

- [Forward Insurance](https://staging.morisoninsurance.ca/insurance-company/forward-insurance/): Forward Insurance Broker Ontario As an independently owned Insurtech MGA, Forward Insurance Managers Ltd. prides itself on being a traditional...
- [Edge Mutual Insurance](https://staging.morisoninsurance.ca/insurance-company/edge-mutual-insurance/): Edge Mutual Insurance They began their journey as The Peel and Maryborough Fire Insurance Company in 1887 and specialized in...
- [Heartland Mutual Insurance](https://staging.morisoninsurance.ca/insurance-company/heartland-mutual-insurance/): Heartland Mutual Insurance Brokers Heartland Mutual Insurance has a long history of providing care to all of its insured. Heartland...
- [Intact Prestige Insurance](https://staging.morisoninsurance.ca/insurance-company/intact-prestige-insurance/): Intact Prestige Insurance Brokers Whether you love nothing better than hitting the lake every summer weekend in your high-performance boat...
- [Unica Insurance](https://staging.morisoninsurance.ca/insurance-company/unica-insurance/): Unica Insurance Brokers Unica Insurance has been providing best-in-class insurance protection and exceptional customer service to Canadians since 1955 through...
- [Northbridge Insurance Onyx](https://staging.morisoninsurance.ca/insurance-company/northbridge-insurance-onyx/): Northbridge Insurance Onyx: Offering Elite Coverage For High-Value Homes If you are looking for first-class coverage for your high-value home,...
- [Chubb Insurance](https://staging.morisoninsurance.ca/insurance-company/chubb-insurance/): Chubb Insurance Brokers: High-Value Insurance Crafted to Your Unique Needs Chubb Insurance company of Canada is a premium insurer protecting...
- [CAA Insurance](https://staging.morisoninsurance.ca/insurance-company/caa-insurance/): CAA Insurance Brokers CAA, the well-known automobile club that started as an insurance provider in 1974, protects families across Canada....
- [Economical Insurance](https://staging.morisoninsurance.ca/insurance-company/economical-insurance/): Economical Insurance Brokers Economical Insurance is a long-established Canadian property and casualty insurance company founded in Kitchener, Ontario, in 1871....
- [Wawanesa Insurance](https://staging.morisoninsurance.ca/insurance-company/wawanesa-insurance/): Wawanesa Insurance Brokers Wawanesa Mutual Insurance Company is one of the largest insurance mutuals in Canada. Wawanesa offers a wide...
- [Gore Mutual Insurance](https://staging.morisoninsurance.ca/insurance-company/gore-mutual-insurance/): Gore Mutual Insurance Brokers – Morison Insurance Get exceptional insurance coverage with Gore Mutual Insurance from Morison Insurance – your...
- [Pembridge Insurance](https://staging.morisoninsurance.ca/insurance-company/pembridge-insurance/): Pembridge Insurance Broker Ontario Since its establishment in 1999, Pembridge Insurance has built a strong reputation for providing high-quality insurance...
- [Intact Insurance](https://staging.morisoninsurance.ca/insurance-company/intact-insurance/): Intact Insurance Brokers With roots dating back to 1809, when they were known simply as the Halifax Fire Insurance Association,...
- [Travelers Insurance](https://staging.morisoninsurance.ca/insurance-company/travelers-insurance/): Travelers Insurance Canada Travelers Insurance is a trusted company in Canada’s insurance sector. Travelers provides home insurance, auto insurance, recreational...
- [Aviva Insurance](https://staging.morisoninsurance.ca/insurance-company/aviva-insurance/): Aviva Insurance Brokers Ontario Can Rely On With roots dating back to 17th century England, Aviva Insurance has evolved over...

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## Resource Centre


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## Insurance Terms

- [Peril](https://staging.morisoninsurance.ca/insurance-terms/peril/): What Is a Peril in Insurance? So, what is a peril? In insurance terminology, peril refers to a situation or...
- [Additional Coverage](https://staging.morisoninsurance.ca/insurance-terms/additional-coverage/): What Is Additional Coverage? Additional coverage is extra insurance protection customers can buy to ensure their home insurance and auto...
- [Underwriter](https://staging.morisoninsurance.ca/insurance-terms/underwriter/): What Is An Insurance Underwriter? An insurance underwriter studies, assesses and measures risks for insurance firms. By utilizing tools such...
- [Deductible](https://staging.morisoninsurance.ca/insurance-terms/deductible/): What Is A Deductible? A deductible is the amount you share if you have a claim. Generally a deductible is...

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## Brokers

- [Joti Rait](https://staging.morisoninsurance.ca/broker/joti-rait/): Navjot “Joti” Rait graduated from McMaster University with a Bachelor of Arts in Political Sciences and Women’s Studies before starting...
- [Kelly Feteira](https://staging.morisoninsurance.ca/broker/kelly-feteira/): Kelly has worked in the insurance industry for over 20 years, with the last 9 being at Morison Insurance. Kelly...
- [Chantel Smith](https://staging.morisoninsurance.ca/broker/chantel-smith/): After attending and graduating from Fanshawe College, Chantel began her career as a dental assistant before switching to insurance. Chantel...
- [Jenn Tingey](https://staging.morisoninsurance.ca/broker/jenn-tingey/): An attendee of both Brock University (neuroscience) and Niagara College (business management/accounting), Jenn has an impressive educational background and has...
- [Fred Morison](https://staging.morisoninsurance.ca/broker/fred-morison/): After graduating from the University of Guelph in 1982 with a Bachelor of Arts (BA) in Economics and from Saint...

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# Detailed Content


## Pages

- Published: 2025-06-10
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/carpenter-insurance/
- Categories: Business Insurance

Carpenter Insurance Ontario Can Count On Wood is a beautiful, timeless material. From framing a house to decorative knick-knacks, there is plenty of demand for it, and as a professional carpenter, you are ready to meet that demand. But whether you're a finish carpenter or furniture maker, you need to protect yourself with carpenter insurance in Ontario, and that’s where our team of expert insurance brokers can help. Whether you are a joiner, roofer, framer, cabinet maker, or any other type of carpenter, Morison Insurance will help you get the right type of coverage you need. Ontario workers deserve comprehensive policies, so whether you have a large team working for you or are a one-person operation, we’ll ensure you’re covered in the event of a liability claim and protected from financial losses and damages resulting from an unexpected event. Give us a call or read on to learn more about carpentry insurance in Ontario. What Is Carpenter Insurance? Ontario carpenter insurance is a specialized type of contractors insurance meant for those in the carpentry or woodworking trades. Ultimately, it aims to protect you from the devastating impact that liability claims, medical costs, repairs or replacements, thefts, and other types of losses or damages can have in light of an unexpected event or potential risk. Let’s say, for instance, that your workshop was broken into one night, and the thieves took some expensive equipment and tools. With the right coverage under your carpenter insurance, Ontario insurers would compensate you for the...

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- Published: 2025-06-09
- Modified: 2025-06-09
- URL: https://staging.morisoninsurance.ca/toronto/apartment-insurance/
- Categories: Areas Served, Home Insurance

Apartment Insurance Toronto Tenants Can Rely On Toronto is Canada’s largest urban center, with almost double the population of the next largest city. With a huge number of people living in a relatively small geographic area, it makes perfect sense that more people live in apartments than detached houses—and many of them rent rather than own their homes. It’s common for renters to assume they don’t need insurance since they don’t own the property, and it’s the landlord’s responsibility to hold insurance for the apartment building. But when it comes to apartment insurance, Toronto tenants can’t afford to go without it. The experienced Toronto insurance brokers at Morison Insurance can help you find the right Toronto apartment insurance so you can rest easy knowing you can get financial assistance to replace your personal items in the event of a covered peril, or to defend yourself in court should you be accused of causing harm to a third party. Give us a call today to find out more about apartment insurance. Toronto residents can rely on our team for knowledgeable advice. What Is Toronto Apartment Insurance? Toronto apartment insurance is a type of personal insurance for people who live in a rental unit. Also known as tenant insurance or renters insurance, it is designed to provide protection to apartment residents, allowing them to avoid paying out-of-pocket expenses should their personal items be damaged, destroyed, or stolen. It also provides the apartment liability insurance Toronto renters need for legal expenses in the...

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- Published: 2025-06-02
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/hybrid-car-insurance/
- Categories: Auto Insurance

The Source for Hybrid Car Insurance Ontario Can Depend On There are many benefits to driving a hybrid vehicle. From the improved fuel economy and advanced safety features to the lower emissions and environmental impact, many Ontario drivers are choosing hybrid vehicles. But it’s important to protect yourself and your vehicle with comprehensive hybrid car insurance, and that’s where our experienced insurance brokers can help. At Morison Insurance, we want you to have peace of mind knowing that whether you’re in an accident with another vehicle or an unexpected event damages yours, you have the protection you need. Our brokers are experts in the insurance industry and will take the time to learn more about your hybrid insurance needs to get you the most comprehensive policy options possible for your hybrid auto insurance. Ontario drivers can give us a call or read on to learn more about hybrid car insurance. What is Hybrid Car insurance? Ontario hybrid car insurance is a type of auto insurance specifically for hybrid vehicles. It ensures that if you’re involved in an auto accident or your vehicle is damaged by an unexpected event or insured peril, you have the protection you need to cover the cost of repair, medical bills, or legal expenses. Suppose you are driving on an icy road, and your vehicle skids out of control, causing you to crash into a fence. Any damage to your vehicle or the fence will be covered by your hybrid auto insurance. Ontario drivers may also...

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- Published: 2025-05-05
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/personal-insurance/rented-condo-insurance/
- Categories: Home Insurance

Get the Right Rented Condo Insurance for Your Rental Property in Ontario Many people living in Ontario cities prefer to live in condo buildings, making them a great investment property for any landlord. Whether you are renting out your old unit or you have multiple condominium units, you need to ensure one of your biggest investment is protected with the right rented condo insurance. Ontario’s traditional rented properties policies often don’t provide the coverage you need for your rented unit, but with the help of our licensed insurance brokers, you can get the specialized rented condo coverage you need to protect your rental property. At Morison Insurance, we’re here for all your insurance needs, whether you are renting out a house or a single condo. Different types of properties need different protection, and with the help from our team, we’ll get you the right rented condo insurance coverage you need. Call us today or read below to learn more about how you can protect your rental property with landlord insurance. What Is Rented Condo Insurance? Ontario rented condo insurance is a type of landlord insurance customized for renting out a condo unit. Unlike traditional rented property policies, rented condo insurance covered only any damages, losses, or liabilities related to the unit itself. If you rent out an individual condo unit, you are just responsible for damage caused to the unit itself as well as any landlord-owned contents such as appliances or fixtures. Let's say a fire broke out and damaged...

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- Published: 2025-04-17
- Modified: 2025-04-17
- URL: https://staging.morisoninsurance.ca/business-insurance/restaurant-insurance/
- Categories: Business Insurance

Comprehensive Options for Restaurant Insurance Ontario Restaurant Owners Can Count On No one can deny that a restaurant can be a hectic, busy place. Between the kitchen making orders to wait staff or cashiers taking orders to dining rooms filled with customers, there is a flurry of activity going on, especially around mealtimes. While you do your best to keep everyone comfortable and serve quality food, mistakes can happen, and unforeseen incidents can be costly. But that’s why your Morison Insurance broker is here: to help keep you protected with the best restaurant insurance Ontario businesses can get. There are a lot of risks associated with the restaurant industry, and without the protection provided by restaurant insurance, Ontario business owners run the risk of having to pay thousands of dollars out of pocket for any losses or damages that arise when the unexpected happens. But with a broker helping you get the right insurance policy to protect your establishment, you can rest assured that you have the protection you need, so you can focus on your business and creating great food. Contact us today to get started on your insurance or read on to learn more about Ontario restaurant insurance. What Is Restaurant Insurance? Ontario restaurant insurance is designed to protect restaurateurs and food service owners. There are a lot of risks associated with running a food service business, and having this business insurance coverage will help protect your restaurant in case of damages or losses arising from incidents such...

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- Published: 2025-03-12
- Modified: 2025-03-12
- URL: https://staging.morisoninsurance.ca/milton/car-insurance/
- Categories: Areas Served, Auto Insurance

Comprehensive Ontario Car Insurance Milton Drivers Can Count On Whether you live in Milton or another part of the GTA, having a car is a necessity. Not only does it allow you to get to work, and school, and run errands not easily within walking distance, but it also provides freedom by allowing you to travel to places you can’t rely on public transportation for. That’s why there’s only one top insurance team car owners call when they need car insurance: Milton insurance brokers at Morison Insurance. No matter the type of car you drive, our team is committed to ensuring that your vehicle has the proper coverage it needs to operate on Ontario’s roadways. What Is Milton Car Insurance? Milton car insurance provides financial protection for physical damage and any bodily injury that arises from your vehicle being involved in a car accident in Ontario. Additionally, if you were involved in a traffic accident and found to be at fault, with car insurance in Milton, you will be covered for the costs of repairs, medical expenses, and legal bills arising from the accident. Cars are not only expensive pieces of machinery, but they also have the potential to cause serious damage. Even if you are a great driver, you can still encounter an incident, such as a slippery road, that results in you needing repairs. By having the proper coverage for auto insurance in Milton, you can ensure that you don’t need to pay thousands of dollars out of...

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- Published: 2025-03-06
- Modified: 2025-03-06
- URL: https://staging.morisoninsurance.ca/cambridge/home-insurance/
- Categories: Areas Served, Home Insurance

Home Insurance Cambridge Can Rely On Many people living within the City of Cambridge own their own homes. If you fall victim to a break-in or a sewer backup damages your home, are you properly protected? If you’re not certain you have adequate risk mitigation measures in place, call your trusted Cambridge insurance broker at Morison Insurance to get the comprehensive protection you need with the best home insurance Cambridge has to offer. Your home is one of the biggest purchases you will make in your life, so why leave things to chance and suffer because you didn’t have the right home insurance in Cambridge? When you choose Morison Insurance as your insurance brokerage, you can have peace of mind knowing that you have the best possible insurance coverage for your home. Our team of insurance brokers in Cambridge offers only the best insurance products, and take the time to learn about your residential property insurance needs, so whether you run afoul of a flood event or a winter storm damages your home, you’ll have custom coverage specifically built for you. Learn more about your Cambridge home insurance policy options when you contact us today! What Is Cambridge Home and Property Insurance? Cambridge home insurance policies provide the financial protection you need to keep a roof over your head in the event an unexpected event or disaster damages your home. For example, suppose you have a house fire. Without the proper home insurance in Cambridge, you would be on the...

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- Published: 2025-03-05
- Modified: 2025-03-05
- URL: https://staging.morisoninsurance.ca/toronto/condo-insurance/
- Categories: Areas Served, Home Insurance

Reliable Condo Insurance: Toronto Insurance for Condo Owners If you own a condo in Toronto, you want to ensure that it is properly protected by the right condo insurance. Toronto homeowners typically understand the importance of insurance, but you may not be aware of how condo insurance can differ from a standard home insurance policy. After all, they both protect your home, right? However, there are some crucial differences between the two, and that’s where the Toronto insurance brokers at Morison Insurance can help. What is Toronto Condo Insurance? Toronto condo insurance is a type of personal insurance that protects not only the interior of your unit but also provides insurance coverage for your personal belongings, much like a standard homeowners policy. But it also takes certain factors into consideration that are unique to condominiums, such as the possibility that improvements have been made to the unit during the time since it was first built and the fact that condominium corporations often require condo owners to pay a share of the deductible on the corporation's master policy. With the right condo insurance, Toronto condo owners can rest easy knowing they have financial protection against unexpected expenses and insured perils. A home is often the most significant financial investment any of us will ever make. Ensure it has superior protection and contact your trusted Morison Insurance broker today. Is Toronto Condo Insurance Mandatory? Condo insurance in Toronto, along with other types of home insurance, is not mandatory in the sense that...

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- Published: 2025-02-27
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/cambridge/car-insurance/
- Categories: Areas Served, Auto Insurance

Car Insurance Cambridge Drivers Can Rely On From Leading Insurance Providers Having a car isn’t just a need for many people living in the City of Cambridge; it’s a necessity. Whether you need it to commute to work, run errands, or travel long distances, having a car is often vital to modern-day living, and it’s important that you protect it and yourself with the right car insurance in Cambridge. When you call the Cambridge insurance brokers at Morison Insurance, we will ensure that you get the right auto coverage for your vehicle. With our insurance brokers searching for and helping craft the perfect auto insurance in Cambridge, you can have peace of mind knowing that your insurance needs are covered. Whether you frequently drive on weekend excursions or just use your vehicle for necessities, our professionals will compare and review quotes, presenting you with the best options that suit your needs. With our insurance team, not only will you be properly protected, but you’ll have access to expert insurance advice and expertise, whether it’s mid-term or your policy is up for renewal for your car insurance. What Is Cambridge Car Insurance? Cambridge insurance for vehicles provides financial protection and covers the cost of damages along with legal and medical costs in the event of a collision or other insured event or loss. Let’s say, for instance, your car hits a patch of ice while driving, and you lose control and go off the road. Without insurance, you would have to...

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- Published: 2025-02-18
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/milton/business-insurance/
- Categories: Business Insurance

Business Insurance Milton Business Owners Can Trust As a business owner, you work hard to make your business a success. From serving customers to filling out endless paperwork, your days are always busy. So why take the chance of all your hard work going up in smoke by not protecting yourself with the right business insurance? Milton insurance brokers at Morison Insurance are here to provide you with the proper coverage for your business, giving you peace of mind that you are protected. Insurance provides a crucial safety net in the event of the worst-case scenario because sometimes, no matter how careful you are, accidents or unexpected events happen. Having the right Milton business insurance policy can spell the difference between keeping your business in the black and going out of business. Contact us today to get started. What Is Milton Business Insurance? Milton business insurance, also known as commercial insurance, is a type of insurance coverage that aims to protect you and your business against insured losses and liability that may occur as a result of your business operations. For example, suppose a pipe breaks in your commercial space, flooding it and causing you to have to close down during the repair process and cease business operations. Depending on your Milton business insurance coverage, you would be covered for any disruptions to your business, as well as for the cost of repairs and replacing damaged property. Or, suppose a customer slips and falls while on your business property. Having...

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- Published: 2025-02-13
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/cambridge/business-insurance/
- Categories: Business Insurance

Business Insurance Cambridge Business Owners Can Trust As a business owner, you work hard to make your business successful. But with today’s challenges, it pays to be protected with the right business insurance. Cambridge business owners call Morison Insurance, to benefit from the expertise and dedication of our Cambridge insurance brokers. Getting the right business insurance in Cambridge may feel daunting, but with our experts on your side, you can trust that you’ll be covered with the best insurance protection in Ontario. Our Cambridge team can help protect your business by taking the time to learn more about your business's specific needs for insurance, will compare quotes from our insurance partners, and will research their policies to present you with the best insurance products and services, all to ensure you have the best coverage possible at an affordable rate for business insurance. Cambridge business owners can trust our insurance brokerage to handle the process correctly and find custom insurance solutions. What Is Cambridge Business Insurance? Cambridge business insurance is a type of financial protection for businesses operating in Cambridge or other parts of Ontario. It aims to protect a business from damage or losses, such as property damage, medical expenses, liability claims, and legal bills, that may arise from normal business operations. Insurance coverage can vary depending on your insurance provider and policy inclusions, but ultimately, they aim to protect you in case of an unexpected event or incident. For example, if a third party sues you because of a...

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- Published: 2025-02-07
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/toronto/car-insurance/
- Categories: Auto Insurance

Car Insurance Toronto Drivers Can Count On The City of Toronto may have a great transit system, but that doesn’t mean you can get away without a car. If you live on the city's outskirts, you may need a reliable means of commuting to work. Or maybe you need a vehicle to help you run errands, or you like to take frequent trips out of the city or the greater Toronto area. Whatever the reason, you need the proper protection for car insurance. Toronto insurance brokers at Morison Insurance can help you get the right coverage at an affordable rate, helping you compare quotes from leading insurance providers in Toronto. Having a reliable car is a necessity for most people, and without the right car insurance, Toronto residents could be on the hook for any damages arising from an accident. But with our team’s expertise in Toronto car insurance policies, you can have peace of mind knowing you have the proper protection in place in the event of an accident. Want to learn more about car insurance? Toronto residents can contact us today or get an online quote. What Is Toronto Car Insurance? Toronto car insurance provides financial protection for you and your vehicle should you be involved in an accident. For instance, let’s say you are driving in Toronto, and the car in front of you stops suddenly, and you can’t stop in time. With auto insurance, Toronto residents don’t have to worry about paying thousands of dollars out...

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- Published: 2025-02-06
- Modified: 2025-02-06
- URL: https://staging.morisoninsurance.ca/milton/home-insurance/
- Categories: Areas Served, Home Insurance

Coverage For Home Insurance Milton Homeowners Can Count On Your home is one of the biggest investments you will make, so why wouldn’t you protect it with the right home insurance? Milton insurance brokers at Morison Insurance are here to provide the reliable protection you need for your home and personal belongings. Whether you live in a traditional home or a condo building, need additional coverage, or have high-value belongings you want to protect, our team will ensure that you get the right Milton home insurance coverage. What Is Milton Home Insurance? Milton home insurance, also known as residential property insurance or homeowners insurance, provides financial protection for repairs, losses, legal expenses, or medical costs arising from an insured peril or unexpected event on your residential property. Let’s say, for instance, a major weather event occurred that damaged your home. With the proper home insurance coverage, Milton homeowners would have financial protection for the costs of repairing their home, replacing damaged furniture and belongings, and any resulting costs, such as staying in temporary accommodations while their home is being repaired. Or, say someone is injured on your property that you are held liable for, and you would be responsible for paying for any medical bills and litigation arising from the incident without home insurance. Milton residents can rely on the insurance professionals at Morison Insurance to find the right coverage, with comprehensive insurance options from leading insurance providers in Canada. Do I Need To Have Milton Home Insurance? Milton residents...

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- Published: 2025-01-23
- Modified: 2025-01-23
- URL: https://staging.morisoninsurance.ca/kitchener/business-insurance/
- Categories: Areas Served, Business Insurance

Business Insurance Kitchener Business Owners Can Trust Kitchener is recognized for its tech industries, higher education, and multicultural events, including the largest Oktoberfest celebration outside Germany. This is an excellent place to put down roots, whether you're starting a family or starting up a business enterprise, and if it's the latter, it's important to invest in the right business insurance. Kitchener business owners are subject to the same risks that business owners everywhere face, and having protection against financial setbacks is a key part of ensuring your business success. Get the peace of mind that comes with knowing you won't have to pay out of pocket to repair your commercial property or replace equipment following a disaster, or for the costs of litigation and settlement if you are sued for allegedly causing harm to a third party with comprehensive business insurance. Kitchener insurance brokers at Morison Insurance have the skill and experience to help you compare quotes from multiple insurance companies and get the coverage you need for your business to thrive. What Is Kitchener Business Insurance? Kitchener commercial or business insurance is a package of coverage that is designed to address the needs of business owners in general and your unique insurance requirements in particular. These coverages tend to fall into one of two categories: property insurance and liability insurance. If your business location and the equipment, stock and inventory inside are damaged or destroyed by an insured peril, the property portion of your Kitchener business insurance will provide...

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- Published: 2025-01-21
- Modified: 2025-05-13
- URL: https://staging.morisoninsurance.ca/mississauga/car-insurance/
- Categories: Auto Insurance

Auto Insurance Mississauga Drivers Can Trust Canada is a nation of drivers, and Mississauga is certainly no exception. The majority of people here use cars as their primary mode of transport, and it's not hard to understand why—Mississauga and other cities in Ontario are spread out, and personal vehicles are the easiest, fastest way to get around. Whether you are a brand-new driver or you've been traversing the roads for decades, it's crucial to have the protection afforded to you by the right car insurance. Mississauga insurance brokers at Morison Insurance have the expertise to track down the best options for your coverage at the best rates so you can compare auto insurance quotes in Mississauga and choose the one that makes the most sense for your needs and lifestyle. What Is Mississauga Car Insurance? No matter how defensively you drive and how carefully you follow the rules of the road, driving a vehicle puts you at risk for collisions and other accidents that could damage or destroy your car and land you in court for allegedly causing harm to a third party. Mississauga car insurance allows you to mitigate the potential financial damage of those risks by making you eligible to file a claim and receive insurance compensation for costs like repairing or replacing your vehicle and defending yourself in court for an auto-related incident. It provides you with protection against major financial setbacks, but it also ensures that another party can get the compensation they're entitled to if...

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- Published: 2025-01-09
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/business-insurance/food-truck-insurance/
- Categories: Business Insurance

Stationary Food Truck Insurance Ontario As a food truck owner, you expand the options available for a tasty meal in your area and bring your unique culinary creations to an eager audience. A stationary food truck is an excellent way to explore niche cuisine and reach customers who may never have heard of the food you offer had they not spotted your truck and decided to give it a try. But running a food truck also exposes you to the risks of liability or property damage that could spell the end of your small business if you're forced to pay those costs out of your own pocket. The solution to that problem is stationary food truck insurance. Ontario brokers at Morison Insurance will find the right food truck insurance to match your insurance needs for your one-of-a-kind business. Call us today to speak with a licensed insurance broker and learn more about stationary food truck insurance in Ontario. What Is Food Truck Insurance? All types of businesses need the right business insurance coverage, and food truck insurance is a type of business insurance policy package designed to protect food truck owners from dealing with the astronomical costs associated with being sued in court. It can also cover the cost of repairing, restoring and replacing commercial property should it be damaged or destroyed by something like fire, a natural disaster, or theft. If you have legal action brought against you or your property and its contents are damaged by a peril...

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- Published: 2025-01-07
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/mississauga/home-insurance/
- Categories: Areas Served, Home Insurance

House Insurance Mississauga Homeowners Can Depend On Perched on the shores of Lake Ontario, Mississauga is a major part of the GTA with a lot to offer its residents, from multicultural cuisine and entertainment options to abundant opportunities for outdoor recreation. It's no wonder that so many people choose Mississauga as the ideal location to call home. If you're currently a homeowner in Mississauga, or you're considering taking the plunge into buying a house, you are already aware that you need the right home insurance. Mississauga homeowners, just like homeowners across Canada, are exposed to a wide variety of risks, such as fires, natural disasters and even lawsuits, that could take everything they've built away. That's an alarming thought, but there's a solution to mitigate that risk: call the expert Mississauga insurance brokers at Morison Insurance and secure the right Mississauga home insurance for your unique needs. You can have peace of mind knowing that if the worst happens, you will have the financial assistance you need to get back on your feet quickly and get your life back to normal. What Is Mississauga Home Insurance? Home insurance coverage in Mississauga is essentially a policy tailored to your specific insurance requirements with both standard home insurance and optional coverages that you may need or want, depending on your circumstances and the features of your home. With the right house insurance, Mississauga homeowners are protected against major financial setbacks for a wide range of perils. If your home and its contents...

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- Published: 2024-12-31
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/simcoe/business-insurance/
- Categories: Areas Served, Business Insurance

Business Insurance Simcoe Business Owners Can Trust Simcoe is a beautiful community just a short drive from Lake Erie, surrounded by bountiful farmland. It's a great place to put down roots and an excellent location to start a business. Whether you already have a business up and running in Simcoe or plan on opening one soon, you need to protect yourself with a robust business insurance package. Simcoe business owners and professionals can rely on the expert Simcoe insurance brokers at Morison Insurance to provide customized coverage. We'll get you the best coverage for your unique insurance needs, along with expert advice every step of the way. Give our team of brokers a call for comprehensive business insurance solutions at a competitive rate. What Is Simcoe Business Insurance? As a business owner, you're already well aware that plenty of risk is involved in running a business. From the possibility that your commercial building could be destroyed by something like a fire to the chance that you could have a lawsuit brought against you for allegedly causing harm to another party, there is lots of opportunity for a disastrous situation that could leave you struggling to deal with unexpected financial setbacks. Simcoe business insurance is the best way to protect your business and your assets from financial losses that could occur for various reasons. Business or commercial insurance can be broken down into two general categories: liability coverage, which applies to legal defence and settlement costs if you are sued, and...

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- Published: 2024-12-24
- Modified: 2024-12-24
- URL: https://staging.morisoninsurance.ca/business-insurance/audiologist-insurance/
- Categories: Business Insurance

Protect Yourself With The Audiologist Insurance Ontario Can Count On! If you are a medical practitioner who specializes in addressing hearing problems or balance loss, you need reliable audiologist insurance from the professionals at Morison Insurance. Our team of expert insurance brokers wants you to have the medical practice coverage you need to continue treating and resolving the hearing and balance needs of your patients. We’ll discuss your practice details and insurance needs with you, sort through policies from trusted Canadian insurance providers, and provide you with comprehensive audiologist insurance options for you to choose from. We’ll be with you throughout every step of your insurance journey, from the initial consultation appointment to signing off on your policy to mid-policy term quests to renewal time. Let your Morison Insurance broker focus on getting you the right audiologist insurance coverage so you can do what you do best without worrying about financial setbacks. What Is Audiologist Insurance? Also known as audiologist liability insurance, audiologist insurance is business insurance designed specifically for healthcare professionals in the hearing and balance loss field. Ultimately, it aims to provide you with financial protection in the face of professional liability claims of negligence, errors, or mistakes that result in harm to their patients or another third party. Audiologist insurance also offers you property coverage so you’re able to get compensation for repair, replacement and restoration costs if your commercial space, equipment and more is damaged or lost due to a peril such as fire or theft....

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- Published: 2024-12-23
- Modified: 2024-12-23
- URL: https://staging.morisoninsurance.ca/guelph/home-insurance/
- Categories: Areas Served, Home Insurance

Home Insurance Guelph Homeowners Can Count On Living in the city of Guelph gives you the best of both worlds in the GTA. In addition to having access to all the amenities of a major urban centre, you can also enjoy the plentiful trails and natural beauty of southern Ontario. If you want to enjoy all the benefits of living in Guelph, it’s important to protect your home with the right coverage for home insurance. Guelph is no stranger to bad weather events like heavy rainfall or the occasional snowstorm. At the same time, accidents happen no matter how careful and cautious you are. You could also be sued for allegedly causing injury or property damage, and if you don’t have the right home insurance in Guelph, you could be left to pay out of pocket for thousands of dollars in medical bills, legal costs, property damage expenses, and more. Why risk it when you could have the financial protection you need for the worst-case scenarios with comprehensive Guelph home insurance? You can rely on the expert team of licensed brokers at Morison Insurance for all your homeowners insurance needs. Our insurance professionals will ask the right questions to learn more about your circumstances, explore options for additional coverage, and source policies from reputable insurance companies. We’ll present a variety of policies and help you make an informed choice of how your Guelph home insurance policy should be written. We’ll be there every step of the process, from the initial...

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- Published: 2024-12-19
- Modified: 2025-01-21
- URL: https://staging.morisoninsurance.ca/mississauga/
- Categories: Areas Served

Experienced Insurance Brokers Mississauga Can Rely On In our modern world, insurance is a necessity. In your personal life, you invest a lot of money, time and effort into your home, vehicles and other valuable assets, and you need to know that you'll have the funds necessary to get those assets rebuilt, repaired or replaced if disaster strikes. In your business life, your investments in commercial property and assets may be much greater in value than your personal assets—and there are likely more people than just you who are depending on the continued success of your business operations, which means commercial insurance is a crucial part of a robust business plan. It's also important to remember that you can be accused of a liability issue and forced to defend yourself in court, which is typically very costly. The solution to mitigate all these risk factors is to call an experienced, licensed insurance broker. Mississauga residents, can count on the Mississauga insurance brokers at Morison Insurance to find the right Mississauga home insurance, Mississauga car insurance and Mississauga business insurance solutions. Call us today to speak with a qualified insurance broker in Mississauga and learn more about what we can do for you. Why Use an Insurance Broker in Mississauga? When considering whether to call an insurance broker, Mississauga residents are sometimes uncertain that there's a clear benefit to choosing a professional broker rather than simply calling an insurance company and signing up for coverage. The truth is that some major...

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- Published: 2024-12-10
- Modified: 2025-05-14
- URL: https://staging.morisoninsurance.ca/business-insurance/small-business-insurance/
- Categories: Business Insurance

Insurance for Small Business in Ontario Running a business is often challenging. There is always much to think about and much to do with many risks to manage. So much dedication and work is required. It's a 24/7 commitment. However, while the concerns and challenges of running a small business can be many, the rewards are terrific too. There can be personal rewards that come from running your own business. There can be financial rewards for you, the people you employ and the community in which you operate. There are also substantial rewards realized well beyond our more familiar neighbourhoods. Ontario and Canada also win when small- and medium-sized businesses thrive. When it comes to small business insurance, Ontario brokers at Morison Insurance have the experience to provide a wide swath of information about operating a business, focusing on getting the right Ontario small business insurance to ensure your enterprise is adequately protected. In business insurance alone, there is plenty to consider: Are you covered for commercial liabilities, business interruption from property claims, professional liabilities, errors and omissions, cyber-attacks and other risks? Our brokers know the ins and outs of insurance for a small business in Ontario, and we are here to help. Your small business insurance protection is our focus. Why Do You Need Small Business Insurance in Ontario? When there are many things to remember while running your company, business owners may ask why insuring a small business is important. You can get protection for small business risks...

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- Published: 2024-12-09
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/kitchener/home-insurance/
- Categories: Home Insurance

Home Insurance Kitchener Residents Can Depend On Your home is a huge investment and ranks right at the top of your priorities as one of your most valuable assets. So why leave your home and finances open to a high level of risk by not investing in the right home insurance? Kitchener insurance brokers at Morison Insurance have the experience and skill to get you the insurance protection you need when you contact us for home insurance. Kitchener insurance brokers on our team will discuss potential coverage with you, answer any insurance questions you may have, and present suitable policy options that give you the type of coverage you need for 5-star home insurance in Kitchener. Get the peace of mind that comes with knowing that your home and valuable belongings can be repaired or replaced following a disaster such as a fire or break-in. What Is Kitchener Home Insurance? Kitchener home insurance policies offer financial protection for your residential property in the event of damage or theft, or if you are held liable for an incident on your property. It makes you eligible to receive insurance compensation to cover costs such as the restoration or rebuilding of a damaged home, replacement of damaged or destroyed belongings, and in some cases, additional living expenses as a result of your dwelling being temporarily uninhabitable. Kitchener home insurance also provides you with liability coverage to handle legal costs and settlement expenses if you are sued for reasons covered by your personal liability...

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- Published: 2024-11-25
- Modified: 2024-11-25
- URL: https://staging.morisoninsurance.ca/toronto/home-insurance/
- Categories: Home Insurance

Home Insurance for Toronto Homeowners More than 3 million people call the City of Toronto home, and more than double that live in the GTA. Naturally, there is a high demand for housing and, consequently, a need for home insurance. Toronto residents typically have two ways to get this insurance: they can call multiple insurance companies to try to find the best insurance quote or contact a trusted Toronto insurance broker like Morison Insurance, who will provide comprehensive options for home insurance in Toronto. When working with Morison Insurance, Toronto homeowners will get the professional advice they need when navigating the insurance industry. From translating industry jargon to helping you determine the type of coverage you need, we will help you get the right insurance for your home, ensuring that you are protected in the worst-case scenario. What Is Toronto Home Insurance? Toronto home insurance is a type of insurance policy designed to financially protect a homeowner from the cost of insured perils that damage their property or the cost of being sued by a third party. This gives the policyholder peace of mind knowing that they are protected from paying out of pocket in the event of an accident or an unforeseen event. Typically, Toronto home insurance covers damage to the dwelling, damage or theft of its contents, additional living expenses if you are unable to live in your home due to damage, or if the policyholder has legal action brought against them in court for an insured reason....

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- Published: 2024-11-19
- Modified: 2025-06-09
- URL: https://staging.morisoninsurance.ca/toronto/
- Categories: Areas Served

Experienced Insurance Brokers in Toronto Insurance is a necessary part of modern-day living. The right insurance can help ensure that your property, vehicle, and other major investments are protected in the event of theft, damage, an accident, or other unforeseen events. Without it, you may be on the hook for medical costs, legal bills, or paying out of pocket for repairs or replacements for damaged or destroyed property. But where do you get insurance? What type of insurance coverage do you need? Who do you turn to get the best possible insurance policy? With the aid of a reliable Toronto insurance broker, you can get the insurance help and the type of coverage you need. At Morison Insurance, our licensed insurance brokers provide comprehensive options for personal insurance and commercial insurance. Our Toronto insurance brokers will take the time to discuss your insurance requirements, comb through coverages provided by leading insurance providers in Canada, and present you with several options to provide the unique coverage you need at an insurance quote you can afford. Whether you're looking for Toronto home insurance, Toronto car insurance, Toronto condo insurance, or Toronto business insurance, by choosing Morison Insurance, you will get the type of insurance you need with the expertise of experienced industry professionals. When you need insurance, call your trusted Morison Insurance broker! Toronto insurance professionals are standing by and ready to help you. Why Use An Insurance Broker In Toronto? Some benefits of choosing our Toronto insurance brokers include receiving expert...

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- Published: 2024-11-15
- Modified: 2024-11-15
- URL: https://staging.morisoninsurance.ca/business-insurance/public-liability-insurance/
- Categories: Business Insurance

Public Liability Insurance Ontario If you run a business, whether you operate a busy retail store, a lawn care company or any other type of business that involves serving customers or clients, you are exposing yourself to the risk of litigation, which can seriously compromise the success of your business operations. That's why it's so critically important for business owners to protect themselves with the right public liability insurance. Ontario business owners have enough on their plates without having to worry about the possibility of paying out of pocket for the costs associated with a lawsuit. You can get peace of mind and focus on running your business when you have the protection of public liability insurance. What is Public Liability Insurance? Public liability insurance, sometimes called business liability insurance, is a key component of most business insurance policies that provides coverage for legal costs and settlement expenses if a business is sued for allegedly causing third-party bodily injury, third-party property damage or advertising injury. In that type of scenario, public liability insurance gives you the ability to file a claim with your insurance company to receive compensation for the costs associated with your legal defence, such as legal mediation, attorney fees, court fees and, should you be found liable in court, settlement costs. This means you can get the assistance you need to deal with legal matters and get back to running your business without suffering major financial setbacks. Who Needs Public Liability Insurance in Ontario? Every public-facing business...

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- Published: 2024-11-13
- Modified: 2025-06-12
- URL: https://staging.morisoninsurance.ca/home-insurance/townhouse-insurance/
- Categories: Home Insurance

Townhouse Insurance Ontario Homeowners Can Rely On A townhouse can be one of the most affordable ways to own a property. Whether it’s your first home, a cozy place to retire in, or gives you the perfect amount of space for you and your family, many Ontarians prefer the townhome way of living. However, like all forms of property ownership, you run a lot of risk. Your property most likely becomes your most valuable asset, which means that any harm that comes to it will have far-reaching consequences for your finances. But with help from your Morison Insurance broker, you can get the property protection you need with the right townhouse insurance. Ontario townhome insurance is designed to provide you with financial protection in the event of such an occurrence, giving you peace of mind even in the worst-case scenario. From trees falling into the side of your home during a severe storm to a visitor slipping and hurting themselves on your property to devastating fires, we’ll ensure you get the coverage you need with the right townhome insurance policy. Contact us today or read on to learn more about townhouse insurance in Ontario. What Is Townhouse Insurance? Townhouse insurance is a form of home insurance that provides financial protection to townhouse owners if something happens to their home or its contents. While your home might seem safe and secure, it only takes a single incident to create vast amounts of damage to your property. If you have townhouse insurance...

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- Published: 2024-11-06
- Modified: 2024-11-06
- URL: https://staging.morisoninsurance.ca/business-insurance/spa-insurance/
- Categories: Business Insurance

Spa Insurance Ontario We all need the opportunity to refresh and rejuvenate in today's fast-paced world, and as a spa owner, you provide a service that allows Ontarians to do exactly that so they can feel—and look—like the best versions of themselves. But your role as a spa owner or spa service provider puts you at risk of serious financial losses in the event that you have legal action brought against you or you are subjected to commercial property damage or destruction. While you're helping your clients relax, you can give yourself peace of mind too with the right spa insurance. Ontario spa owners and spa therapists can rely on the experienced brokers at Morison Insurance to help them find the necessary insurance coverage to avoid financial setbacks. No matter what your professional life throws your way, there's spa insurance coverage that can help you address it and get back to business without suffering major losses. What is Spa Insurance? Spa insurance is a package of liability and property insurance coverages that are designed to address the perils that are most common in the spa industry. If you are sued for a wide variety of reasons or your commercial property and equipment is damaged or destroyed by a disaster such as a fire, you will be forced to deal with the astronomical costs involved in defending yourself in court or repairing and restoring your property. With the right spa insurance, Ontario spa professionals can file a claim with their insurance...

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- Published: 2024-10-21
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/car-insurance/ford-insurance/
- Categories: Auto Insurance

Ontario Ford Insurance The Ford Motor Company is one of the world's most well-known and trusted automobile manufacturers, so it makes sense that it consistently takes top place as the most popular vehicle brand in Canada. Suppose you own an F-150, Mustang, Explorer or another type of Ford. In that case, you probably want to use it for a wide variety of purposes out on the road—and to do that safely and legally, you need the right Ontario Ford insurance. Whether you're considering purchasing a new Ford or already have one and want to ensure you have the best Ford insurance coverage, the experienced brokers at Morison Insurance can help. What is Ford Car Insurance? Ford insurance is an auto insurance policy designed to provide financial protection if you are involved in an accident or if your vehicle is otherwise damaged. If that happens, you can file a claim with your insurance company and receive the compensation necessary to handle the repair or replacement of your vehicle, along with liability costs such as legal fees and settlement expenses, should you be sued for causing third-party bodily injury or property damage with your vehicle. Who Should Have Ontario Ford Insurance? You're probably already well aware that the Government of Canada requires all vehicles driven on public roads to have auto insurance coverage. All Ford owners need Ontario Ford insurance to comply with legal requirements. However, even if it weren't legally mandatory, Ford insurance would still be essential to protect Ontario drivers...

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- Published: 2024-10-18
- Modified: 2024-10-18
- URL: https://staging.morisoninsurance.ca/business-insurance/laundromat-insurance/
- Categories: Business Insurance

Laundromat Insurance Laundromats provide a valuable service to many people. While it is true that many people have a washing machine and dryer in their home or within the building they live in, sometimes these machines break down, leaving a laundromat as the best remaining option to clean their clothes. However, running a laundry service is not without risk. Any business owner can have the items they use damaged for reasons outside their control or be the target of a lawsuit. In such cases, a laundromat insurance policy can help protect owners of these fine establishments from these financial losses and allow them to keep their businesses open and running. What Is Laundromat Insurance? Laundromat insurance is a form of business insurance that protects laundromats from many of the financial perils involved with their business. A fire in a neighbouring building may spread to yours, causing severe damage to the location. Maybe a customer suffers injuries from a slip-and-fall and holds you responsible, exposing you to a significant liability charge. It's also possible that many of your washers and/or driers break down simultaneously. These perils and more can cost a laundromat owner lots of money. However, with laundromat insurance, you will have these situations covered. This will give you peace of mind, knowing that even if a traumatic event does happen, you will be financially protected. Who Needs Laundromat Insurance? Anyone who owns a laundromat could benefit from laundromat insurance. A laundromat faces many perils you don't even think of...

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- Published: 2024-10-16
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/kitchener/car-insurance/
- Categories: Auto Insurance

Kitchener Car Insurance Kitchener is one of the most populous cities in Ontario. Most people who live here need a vehicle to get around, whether they want to see friends and family, want to treat themselves to some entertainment, or just need to commute to and from work. However, vehicles carry many risks, and you'll need Kitchener car insurance coverage to help protect you from many of these risks. What Is Kitchener Car Insurance? Kitchener car insurance is a form of car insurance designed to protect Kitchener drivers from the financial risks associated with owning a private vehicle. Kitchener car insurance protects you from being financially burdened if you need repairs to your car or to cover you if you are held responsible for damage done to someone else or their property. Such incidents could cost you tens or even hundreds of thousands of dollars, meaning that Kitchener car insurance can prevent you from ending up in trouble. Who Needs Kitchener Car Insurance? Anyone who owns a car and drives it for personal purposes in Kitchener needs Kitchener car insurance. The level of protection it provides is too high for you not to take advantage of it. Even the best drivers occasionally make small mistakes that could lead to a collision or similar incident. There is also the possibility that you will end up in an incident at no fault of your own. To ensure that you are not financially ruined if any of these events happen, you will require...

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- Published: 2024-10-10
- Modified: 2024-10-10
- URL: https://staging.morisoninsurance.ca/business-insurance/bed-and-breakfast-insurance/
- Categories: Business Insurance

Ontario B&B Insurance The experience bed and breakfast (B&B) hosts give their guests can be incredible. While hotel stays can be great, being just one of many people there makes it feel impersonal. The added touch of a bed and breakfast can feel like something made specifically for that guest. Providing this service for people can be a rewarding and profitable experience. However, being a business owner comes with a lot of risk. Maybe something happens to the home itself, such as a fire. Maybe one of your guests is allergic to something in your accommodation, and you are held responsible for any medical costs. Some of your most expensive equipment may break down suddenly. Luckily, with B&B insurance, you can protect yourself from financial damage, allowing you to continue pursuing your bed and breakfast dreams and keeping them a reality. What Is B&B Insurance in Ontario? Bed and breakfast insurance, also known as B&B insurance, is a type of business insurance that provides financial protection to bed and breakfast owners if an insured peril damages the business. These perils often come in the form of damage to the property, theft, and the many liability risks inherent in allowing customers on your property. Given that you are open to each of these exposures daily, the odds of any of these perils becoming the cause of a significant loss add up quickly. Your business could suffer a considerable setback if a loss occurs. However, with the right B&B insurance, your policy...

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- Published: 2024-10-09
- Modified: 2025-01-23
- URL: https://staging.morisoninsurance.ca/kitchener/
- Categories: Areas Served

Insurance Brokers in Kitchener Insurance is mandatory to ensure your investments, whether in a home, vehicle, or business, are adequately covered. Insurance can be overwhelming, and getting quotes from different providers takes time out of your already busy life. That's where the role of a Kitchener insurance broker comes into play. Whether you are looking for personal insurance or business insurance, Kitchener insurance brokers will shop leading insurance providers in Canada to find the best insurance plan for your specific needs. They will take the time to understand your insurance needs and provide you with multiple quotes. You can then choose the best insurance plan that meets your requirements. Your best insurance is from a Kitchener insurance broker. Let us help provide you with peace of mind. Why Use a Broker to Get Insurance in Kitchener? There are many benefits of using an insurance broker in Kitchener, including receiving expert advice, quotes from leading insurance companies, personalized service, claims assistance, and providing ongoing support. A Kitchener insurance broker is here to help make your insurance experience easy by shopping and comparing quotes for the best insurance policy. Expert Advice Kitchener insurance brokers have their Registered Insurance Brokers of Ontario (RIBO) license to sell insurance in Ontario and go through annual training to keep up with changes happening within the industry. Kitchener insurance brokers can help you understand insurance jargon, insurance requirements, and optional coverages to ensure you are properly protected. Insurance can be complicated. Let a Kitchener insurance broker provide...

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- Published: 2024-10-08
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/business-insurance/business-contents-insurance/
- Categories: Business Insurance

Business Contents Insurance It doesn't matter how digital our age becomes; businesses will always require tangible items in their physical location. Sometimes, it's office equipment like computers or mechanical equipment that the employees need to be able to do their jobs. Other times, it is inventory that the company sells to its customers. There are other points where a company might have things like furniture that are simply part of the atmosphere it wants to create for its customers. In any of these cases, this equipment must be there to serve its purpose. Business contents insurance is the way a business ensures that even in the event of a loss, a business can keep everything it needs intact to avoid financial losses and continue to keep its doors open. What Is Business Contents Insurance? Business contents insurance is an aspect of business insurance, or commercial insurance that protects the business equipment and stock that a company keeps on location from theft and accidental damage. Almost every business has equipment and/or inventory they sell to customers. Losing something very valuable can set any business back a lot, especially if they are just starting out. Business contents insurance is an added layer of protection, ensuring that even if such an event occurs, your business will continue to run smoothly. Who Needs Business Contents Insurance? Any business owner with valuable possessions at their commercial property could use the coverage provided by business contents insurance. We trust that you are doing everything in your...

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- Published: 2024-10-03
- Modified: 2024-11-26
- URL: https://staging.morisoninsurance.ca/business-insurance/locksmith-insurance/
- Categories: Business Insurance

Ontario Locksmith Insurance Being a commercial locksmith is a very practical career. Locks are vital in keeping people's most valuable possessions, including their homes and cars, safe from thieves. As a locksmith, you help ensure people get this level of safety. However, owning a locksmith company comes with lots of risk. Maybe you're held accountable for damage to someone's property while installing a new lock for them or their neighbour. Perhaps while you're working, a thief will steal many tools. Any of these situations could end up costing you lots of money. Luckily, locksmith insurance is here to protect you in the event of a loss. What Is Locksmith Insurance? Locksmith insurance is a type of contractor insurance coverage that protects locksmiths from many financial risks they expose themselves to by running a business. When you're a business owner, despite having more freedom than you would just being an employee, you also have more responsibilities. If something breaks or is stolen, or there's a legal dispute between the company and another party, you must ensure that the situation is handled properly. Ensuring such a situation is resolved correctly often means paying for the losses involved, which, in many situations, can be tens of thousands of dollars, especially in legal situations. Locksmith insurance will protect you from insured perils, letting you continue your business unimpeded. Who Needs Locksmith Insurance? Anyone who owns a locksmithing company should have the protection that locksmith insurance provides. It doesn't matter if you are a sole...

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- Published: 2024-10-02
- Modified: 2024-10-02
- URL: https://staging.morisoninsurance.ca/car-insurance/hyundai-insurance/
- Categories: Auto Insurance

Ontario Hyundai Insurance For those who take a practical approach to car selection, a Hyundai is one of the best options. These cars last a long time while remaining affordable to the average consumer, meaning you get great bang for your buck. In addition, they are also very fuel efficient, making them an excellent option for those who want to remain eco-friendly. Their outstanding safety ratings are also a great bonus, as you know your family will be safe with one. However, even a vehicle as reliable as a Hyundai can get involved in a collision or be damaged by something outside the driver's control. If this were to happen, it could cost the driver tens of thousands of dollars. Luckily, Hyundai insurance is there to help create a safety net so that you are protected even if the worst scenario happens. What Is Hyundai Insurance? Hyundai insurance is a form of car insurance coverage that protects Hyundai owners from the financial risks associated with owning and driving a car. While we trust that you are taking every reasonable precaution that you can while driving, it's always possible that something will happen outside of your control. In such situations, Hyundai insurance will provide financial protection for covered losses you may experience, including those for physical injury to yourself or others, damage to the car itself, and liability charges that you are held responsible for. This level of protection can provide you with peace of mind that no matter what happens,...

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- Published: 2024-09-26
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/niagara-falls/car-insurance/
- Categories: Auto Insurance

Niagara Falls Car Insurance Niagara Falls, Ontario, is a beautiful place to live, as having a major landmark in your home city is amazing. Like any other city, living and commuting here becomes a lot easier if you have a car. However, driving a vehicle comes with many financial risks that could cause severe damage to your finances. Luckily, Niagara Falls car insurance can protect you from these incidents. What Is Niagara Falls Car Insurance? Niagara Falls car insurance provides financial protection for those who own and drive vehicles in Niagara Falls. Car insurance protects the policyholder from many financial risks associated with driving a vehicle. These risks include repairing or replacing your vehicle after a collision, covering lost wages due to an injury you suffered, and liability claims for damage done to others, either through physical injury or property damage. The costs of covering these expenses can often be in the tens of thousands or, in the case of some liability risks, hundreds of thousands of dollars. Niagara Falls car insurance protects you against these exposures, giving you peace of mind knowing that you will be financially secure even in the worst-case scenario. Is Car Insurance In Niagara Falls Mandatory? Yes. Legally, car insurance is mandatory in Niagara Falls, just like it is for all of Ontario. If you live in this city and are caught driving without Niagara Falls car insurance, you can face fines of tens of thousands of dollars. Going without the protection provided by Niagara...

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- Published: 2024-09-24
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/cargo-insurance/
- Categories: Business Insurance

Ontario Cargo Insurance One of the best things about the modern world, and something that we take for granted too often, is that people have access to goods from all around the world. Centuries ago, you would be stuck with only being able to use what was in your local area. As time passed, people gradually gained access to stuff from neighbouring communities, slowly spreading nationwide, then with neighbouring countries, and finally globally. However, this was not done automatically; it was done with updated travel technology, as trains, cars, ships, planes and more made their mark on the shipping industry. However, there is some risk involved in moving large quantities of products from one place to another. While the employees involved in this do their best to ensure that nothing gets lost, stolen or damaged, something could cause a loss. This can leave a shipping company having to pay a large amount of money for what was lost. Luckily, companies can prepare for this loss with cargo insurance coverage. What Is Cargo Insurance? Cargo insurance, also known as freight insurance, is a form of business insurance that gives peace of mind to shipping company owners. It works primarily as a form of protection, ensuring that even if there is an incident, they are safe from the financial losses usually incurred. Whether you're a small business in the trucking industry or you deal with ocean cargo ships, you need protection if there is an incident. Cargo insurance can help reimburse you...

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- Published: 2024-09-18
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/london/car-insurance/
- Categories: Auto Insurance

London Car Insurance From the Thames River to the Museum of Ontario Archeology to East Park, London, Ontario, is full of outstanding and beautiful landmarks. However, if you want to see each of these landmarks in due time or otherwise get around the city, you will need a vehicle. When you have a vehicle in Ontario, you must protect it with insurance. This also protects you from financial fallout due to liability claims, damage to the vehicle, and more potential situations you face if you are involved in a collision or other incident. London car insurance is a line of defence that protects you against financial fallout if the worst-case scenario happens. What Is London Car Insurance? London car insurance is a form of personal insurance that provides financial protection for people in London, Ontario, if their vehicle is damaged or are found financially responsible for someone else's loss. It, like all forms ofcar insurance, protects the policyholder against having to pay large amounts of money due to something they were held responsible for while operating the insured vehicle. One cost London car insurance will cover is direct damage to a policyholder's vehicle after a collision. Another common cost covered is having to reimburse a third party that the insured harmed in some way, usually either in the form of damage to property, including the third party's vehicle, or physical injury. Is Car Insurance In London Necessary? Like every city in Ontario, car insurance is legally mandated in London. However,...

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- Published: 2024-09-17
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/london/home-insurance/
- Categories: Home Insurance

London Home Insurance While not nearly as large and iconic as another London, there are still over 400,000 people who call London, Ontario home. If you're one of them, your home is almost certainly your most valuable asset, as it acts as both a massive investment and your place of residence. Losing a home can be absolutely devastating, and having to pay out of pocket to recover all the damage makes things even worse. To prevent this, you must protect yourself from financial disaster with London home insurance. This will give you peace of mind, knowing that even if something does happen, you are financially protected from the worst-case scenario. What Is London Home Insurance? London home insurance will financially protect the owner from dire financial consequences if an insured peril does substantial damage to the owner's property or if the policyholder is held financially liable for something covered by the policy protecting them. The protection provided by London home insurance will give the policyholder peace of mind that even if a tragic emergency occurs, they can financially recover from the disaster. This protection applies if the dwelling itself is damaged, if something happens to the contents of the insured dwelling, or if the policyholder is held liable for an insured incident. Do I Need Home Insurance In London, Ontario? Although home insurance in London, Ontario, is not legally mandatory, it is highly recommended for anyone who owns or plans to purchase a home. The most prominent reason that it...

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- Published: 2024-09-10
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/business-insurance/tools-and-equipment-insurance/
- Categories: Business Insurance

Tools And Equipment Insurance There are plenty of professionals that use specialized tools in their day-to-day duties. This is especially true with those working in trades and construction, whose jobs are often improved remarkably by using these great little gadgets. There are also a lot of creative professionals whose skills are fully unlocked when they have access to the latest tech. However, as handy as these miracles of technology are, plenty of jobs have evolved to the point where some tasks are impossible without these expensive items. This means that if certain tools and equipment were do be damaged or destroyed by an insured peril suddenly without a backup, you can be left in quite a pinch. Needing to replace these out of pocket can be devastating to your bottom line. Tools and equipment insurance is a line of protection that prevents you from needing to pay for this out of pocket. What Is Tools And Equipment Insurance? Tools and equipment insurance is an aspect of business insurance in Ontario that allows businesses to have financial protection for their most valuable, specialized equipment. Similar to how commercial general liability insurance protects companies against liability charges and commercial auto insurance protects a company vehicle, a company's most valuable equipment can be protected with tools & equipment insurance. While something such as a standard hammer, screwdriver or wrench can easily be replaced out of pocket and isn't worth claiming, you likely have much more specialized equipment that would cost a lot more...

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- Published: 2024-09-06
- Modified: 2024-12-20
- URL: https://staging.morisoninsurance.ca/compensation-disclosure/

Morison Insurance’s Compensation Disclosure As your independent insurance broker, we purchase insurance products and services that are available, affordable, and understandable on your behalf. Our role is to provide you with the best insurance value that combines coverage, service and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest. Brokerage compensation is part of your insurance premium. For your benefit, we have listed below Automobile and Property Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium. Company Automobile Property Contingent Profit Aviva Canada 10% - 12. 5% 20% * CAA Insurance 10% - 12. 5% 20% * Coachman Insurance 10% - 12. 5% 20% * Chieftain Insurance 10% - 12. 50% 20% * Chubb Insurance 10% - 12. 5% 20% Dufferin Insurance 10% - 12. 5% 20% * Echelon Insurance 10% - 12. 5% N/A * Definity Financial 10% - 12. 5% 20% * Edge Mutual Insurance 10% - 12. 5% 20% * Elite Insurance 10% - 12. 50% 20% * Gore Mutual Insurance 10% - 12. 5% 20% * Hagerty Canada 10% - 12. 50% N/A Heartland Farm Mutual 10% - 12. 5% 20% * Intact Insurance 10% - 12. 5% 20% * Jevco Insurance 10% - 12. 5% N/A * Nordic Insurance (Facility) 9% - 11%...

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- Published: 2024-08-29
- Modified: 2025-03-19
- URL: https://staging.morisoninsurance.ca/niagara-falls/home-insurance/
- Categories: Home Insurance

Home Insurance In Niagara Falls, Ontario Owning your own home is something that many people dream about. Your own place, your own yard, your own space. What could make it even better? Having one of the most prominent Canadian tourist destinations in your own proverbial backyard. This is what owners in Niagara Falls get to experience. But like anywhere else in Ontario, owning a home has many responsibilities and opens you up to many risks, which can cause a lot of anxiety. The best way to help with this is to be protected with Niagara Falls home insurance. Is Niagara Falls Home Insurance Mandatory? No, Niagara Falls home insurance is not mandatory, but it may be required if you have a mortgage. Most lenders will require you to have a home insurance policy before implementing a mortgage. Owning a home in Ontario, especially Niagara Falls, is not a small purchase, but having the right Niagara Falls home insurance will allow you to stay protected and not worry about paying out of pocket for an insured peril. The expert brokers at Morison Insurance will be happy to speak to you about a Niagara Falls home insurance quote and why it's so important to be appropriately protected. How Much Niagara Falls Home Insurance Do I Need? Niagara Falls home insurance protects you against a wide range of perils you could face, including risks such as fire, water, wind and theft. The easy answer is to have enough coverage to cover your home...

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- Published: 2024-08-19
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/dog-daycare-insurance/
- Categories: Business Insurance

What Is Dog Daycare Insurance? Dog daycare insurance, sometimes referred to as pet care business insurance or kennel insurance, is a form of business insurance that covers pet care and pet sitting companies from many of the financial risks associated with caring for and managing dogs and pets. While running a dog daycare can be a rewarding venture, it comes with unique challenges and potential liabilities. From canine injuries to property damage, having the right insurance can be the difference between thriving or facing financial hardship. So, dog daycare insurance can be an added layer of protection necessary for keeping your business running smoothly. Who Needs Dog Daycare Insurance? Dog daycare insurance is essential for any business that involves the care and management of dogs. This includes traditional dog daycare centers, boarding facilities, and even pet sitters or dog walkers. Whether you operate a large facility or provide pet care services independently, insurance is necessary. It not only protects against financial losses due to accidents or injuries but also enhances your business's credibility and trustworthiness in the eyes of clients. Even home-based pet care businesses need this protection, as they face similar risks when caring for clients' dogs. Say you are dog walking like any typical day, but one dog gets loose as you're paying attention to another and runs away. The pet parent could see you as negligent and hold you and your pet care business responsible for the loss of their dog. This is where pet business insurance...

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- Published: 2024-08-15
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/guelph/car-insurance/
- Categories: Auto Insurance

Car Insurance In Guelph Getting auto insurance can seem daunting. There are many different insurance providers across Ontario who all offer different coverages and premiums with policy documents filled with insurance jargon. We also live very busy lives, and who has the time to compare quotes from different companies to ensure you get the best bang for your buck? The answer is simple. Speak with the Guelph insurance brokers at Morison Insurance. We work with dozens of leading insurance companies across Ontario, and we will compare quotes and review coverages so that you don’t have to. You can then choose what Guelph car insurance quote best suits your needs, giving you peace of mind knowing you are properly protected. At Morison Insurance, we are here to help make getting insurance easy. Is Car Insurance In Guelph Mandatory? Car insurance in Guelph and the rest of Ontario is legally mandated by the government. If you plan on taking your vehicle on the roads, you must have insurance on the vehicle. Mandatory coverages for car insurance in Guelph include third-party liability, accident benefits, and uninsured automobile coverage. There are many other optional coverages that can be added to your policy for extra protection. Besides the fact that car insurance in Guelph is legally mandatory, having coverage provides many benefits in the event of a loss. Guelph car insurance provides financial protection against damage to your vehicle, liability coverage in the event of injury or damage to others, and more. Have peace of...

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- Published: 2024-08-13
- Modified: 2024-12-20
- URL: https://staging.morisoninsurance.ca/london/
- Categories: Areas Served

What Is A London Ontario Insurance Broker? An insurance broker in London, Ontario, is an individual who is responsible for connecting their client with the insurance company or companies that will give them the best coverage possible. They are qualified insurance professionals certified with their RIBO (Registered Insurance Brokers of Ontario) licence, which they must renew annually. They will often specialize in an aspect of the industry, usually personal insurance or business insurance, and take clients specifically within that realm, allowing them to focus their time and energy on their specialization. This allows them to become experts in the field they choose to pursue, allowing them to help their clients as much as possible by finding them the right insurance solution. What Is The Role Of A London Insurance Broker? The role of a London insurance broker is multi-faceted. The first part of their role is to be the insurance experts who help their clients get the best coverage available in Ontario. When you hire an insurance broker in London, Ontario, they will do everything they reasonably can to shop around and get you the best policy they possibly can. This involves going to many insurance companies and comparing quotes. They also keep in mind your needs and requests while processing the terminology in each offer. The broker can see the risks and exposures each contract protects from. They will find you the best policy based on your situation and budget, giving you the best coverage for the level of...

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- Published: 2024-08-01
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/sports-and-fitness-insurance/
- Categories: Business Insurance

Sports And Fitness Insurance Sports and fitness is a very large industry, that covers many different roles in society. Whether you're coaching a recreational soccer league, running a hockey rink that plays home to many leagues year-round, or if you've made a career out of helping people unlock their physical potential, sports and fitness is the industry you’re involved in. What everyone under this umbrella has in common is that they share a lifelong passion for getting themselves and others to develop a love of improving their health in fun ways. However, any physical activity comes with some inherent risks. Some of these risks could leave you facing a large financial penalty, whether through legal means or the need to replace something extremely valuable. Luckily, you can protect yourself with sports and fitness insurance. What Is Sports And Fitness Insurance? Sports and fitness insurance is a form of business insurance that financially protects anyone in the sports and fitness industry in Ontario from liability risks and provides reimbursement for their property and possessions from damage and theft. While you can minimize risk with certain actions, such as having personal trainers require questionnaires from their clients, it is impossible to prevent them entirely. To protect you in the case that you are unfortunate enough to encounter such a scenario, it is highly recommended that you have sports and fitness insurance if you are vulnerable to any of the dangers of the industry. Who Needs Sports And Fitness Insurance In Ontario? Anyone...

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- Published: 2024-07-19
- Modified: 2025-01-29
- URL: https://staging.morisoninsurance.ca/business-insurance/vending-machine-insurance/
- Categories: Business Insurance

Vending Machine Business Insurance in Ontario Running a retail business is a lot of work, no matter how you look at it, but it simplifies the process when you can stay behind the scenes and let machines take care of the customer transactions. That doesn't mean vending machine owners can sit back and watch the income roll in. Owning a vending machine business doesn't prevent you from being exposed to some severe liability and property damage risks. In some cases, the risk level may be even higher than in a traditional shop because you're not there to monitor what's happening between your machines and customers. The solution to transferring that risk is to have the right vending machine insurance in Ontario. Vending business owners can count on the expert insurance brokers at Morison Insurance for a package of insurance coverage that addresses the potential risks in this type of business venture. What is Vending Machine Insurance? Vending machine insurance is a type of business insurance package that is specifically designed to handle the kinds of liability and property risks that come along with owning and operating vending machines of any sort. It can be broken down into a wide range of different coverages that fall into two general categories: those intended to address liability risks, which are situations that can prompt someone to bring legal action against you in court for a variety of reasons, and property risks, in which your business property is damaged, destroyed, stolen, vandalized or breaks...

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- Published: 2024-06-25
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/welders-insurance/
- Categories: Business Insurance

Welding Business Insurance for Ontario Welders The earliest evidence of welding dates back 5,000 years, so welders are engaged in an ancient profession that is essential to our infrastructure and way of life in modern times. As a welder, you're already very well aware that your career comes with the potential for injury, but welders are exposed to risks that go beyond physical injury. From the possibility of losing necessary tools and welding equipment to theft or a disastrous event to potentially being accused of causing third-party injury or damage and having legal action brought against you in court, it's essential to have a risk management plan to prevent unexpected financial losses. A robust risk management plan starts with suitable welders insurance. Ontario welders can turn to the insurance experts at Morison Insurance to find out more when they begin a welders insurance quote and find the best options for necessary protection against paying out of pocket for unexpected expenses. What is Welders Insurance? Welders insurance, or welding business insurance, is a type of commercial business insurance package designed for welders in general and for your specific insurance needs. Welders sometimes choose to operate their business in different ways, meaning your insurance options and coverage limits must be tailored to address the perils you are most likely to encounter in your professional life. Two general categories of business insurance need to be considered when it comes to welders insurance: liability coverages and property coverage with loss of income coverages. Liability...

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- Published: 2024-06-18
- Modified: 2024-10-08
- URL: https://staging.morisoninsurance.ca/business-insurance/freelance-insurance/
- Categories: Business Insurance

Freelance Insurance For Ontario Professionals Whether you're considering the option of going freelance or no stranger to the freelance life, you're on a career path that comes with the freedom to be your own boss and make your work suit your lifestyle rather than the other way around. There are plenty of perks that come with being a freelancer, but it can also expose you to some big risks that need to be managed effectively to ensure your continued success. The most critical tool for risk management is the right freelance insurance. Ontario freelancers with a robust business insurance package that addresses common risks they are most likely to encounter, can provide peace of mind. Knowing you are protected from paying unexpected out-of-pocket costs that come along with being sued or replacing business equipment after an incident. Call Morison Insurance today to speak with a licensed, experienced Insurance Broker who can help you find the coverage you need to protect yourself and your business from unexpected financial losses. What is Freelance Insurance? Insurance for full-time freelancers is essentially a type of commercial insurance that is designed for self-employed professionals who are freelancing in a wide variety of industries. Not all freelancers do the same type of work, of course, and freelance insurance is not a one-size-fits-all solution. Instead, it's tailored to address your potential risk exposures based on factors such as what types of services you provide, who you work with, your experience level, the industry you work in and...

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- Published: 2024-05-16
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/home-insurance/additional-living-expenses/
- Categories: Business Insurance, Home Insurance

Additional Living Expenses Coverage Home insurance covers a lot more than people think. It's common knowledge at this point that it will reimburse you for physical damage to your home if the damage was caused by an insured peril. However, people often don't know the secondary effects of it, and how these secondary protections can stop financial burdens. For example, not everyone is aware that you would have personal liability insurance, protecting you in the case you are charged with certain legal charges. Another one that isn't as well known is contents insurance, which protects your most valuable personal property if it needs to be repaired or replaced. However, one that is even less known is the idea of additional living expenses coverage which is often needed if a disaster hits your home. What Is Additional Living Expenses Coverage? Additional living expenses coverage, also known as ALE coverage, is part of standard home insurance, tenant insurance or condo insurance plans. It is meant to reimburse you in the event that you need temporary accommodation while your home is rebuilt or repaired after a covered peril causes a claim. For example, if a fire heavily damages your home, it is possible that you will need some rather extensive repairs, and it might cause your home to be uninhabitable for a brief while. While the dwelling coverage will protect the main cost of the home itself, and your contents insurance will cover any lost possessions, it might seem like you will need...

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- Published: 2024-05-09
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/business-insurance/roofing-contractor-insurance/
- Categories: Business Insurance

Roofing Contractor Insurance Ontario Roofing is an essential profession, without roofs, everyone would be in trouble whenever there was rain or strong wind. The phrase 'having a roof over your head' highlights just how essential a roofer's work truly is. Being a roofing contractor does have some risks, running your own business may be free from the confines of having to work for someone else, but you rid yourself of the safety of a stable job and add a bunch of paperwork to your everyday work load. What’s worse, is you open yourself and your investment you have made into your business to plenty of risk, because when problems arise you are now responsible for paying for any damaged cause by you or your team. Luckily, roofing contractor insurance is here to protect you. What Is Roofers Insurance? Roofing contractors insurance is a form of business insurance coverage that protects people in the roofing industry from financial hardship caused by the wide range of risks involved in the roofing industry. For example, the material you are using at a job is blown off the roof by extreme wind, causing damage to a neighbour’s pool, for which they hold you responsible. It's also possible that you accidentally cause property damage to your clients' homes, and you are held responsible. Perhaps your company vehicle gets damaged in a collision, and you can't afford to replace or repair it yourself. Roofing contractor insurance gives you peace of mind that even if an incident...

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- Published: 2024-04-29
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/business-insurance/farm-insurance/hobby-farm-insurance/
- Categories: Business Insurance, Farm Insurance

Hobby Farm Insurance Ontario Hobby farmers can care for the crops and animals that they enjoy being around and working in a small space rather than being driven by market fluctuations and having to cover acres of land. This allows hobby farmers' work to come from a place of passion, as they enjoy allowing them to let their farm be a source of joy. However, this still comes with risk. Hobby farm insurance allows you to have peace of mind, knowing that even if the worst happens, your favourite hobby won't become a source of stress. What Is Hobby Farm Insurance? Hobby farm insurance is a layer of protection for your farm operations that protects you from the many dangers involved with small-scale farming. This is partially due to the fact that home insurance policies might not cover the acreage required for a hobby farm. There are also many dangers that won’t be covered by most traditional homeowners' policies by default. For example, maybe a shed as well as all of its contents are damaged or destroyed. Damage to your animals’ pens, feeding devices, crops, or anything else can impact your yield for the year. Hobby farm insurance protects you financially against all of these and more, allowing you to focus on growing and maintaining your farm without worrying about it causing you financial hardship. Who Needs Hobby Farm Insurance In Ontario? Anyone who runs a small farm for recreational purposes could use the protection provided by hobby farm insurance....

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- Published: 2024-04-25
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/swimming-pool-cleaners-insurance/
- Categories: Business Insurance

Insurance for Pool Cleaners in Ontario Cleaning swimming pools requires more skill, equipment and hard work than many people suspect. It's a big job and certainly qualifies as an essential service for pool and property owners—ask anyone who has ever seen a pool that hasn't been cleaned in a couple of years. Because you work on your clients' properties with an extensive, potentially complex system that has a lot of components, your work as a pool cleaner puts you at risk for a wide range of perils, from damage or destruction of your equipment to potential lawsuits from clients for causing property damage or even bodily injury. Those types of perils can result in huge expenses that can potentially cause severe damage to your bottom line. The solution is to call Morison Insurance and speak with a qualified insurance broker who can start a swimming pool cleaners insurance quote What is Swimming Pool Cleaners Insurance? Swimming pool cleaners insurance is a package of business insurance coverages tailored to protect pool cleaners against serious financial losses in the event of an insured peril. In general terms, the risks faced by pool cleaners can be broken down into two broad categories: damage to the policyholder's equipment, tools or commercial property and being sued for allegedly causing some harm to a third party such as a client. Suppose you have legal action brought against you and have the correct type of liability coverage in place. In that case, you can expect to receive...

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- Published: 2024-04-23
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/product-liability-insurance/
- Categories: Business Insurance

Product Liability Insurance for Ontario Manufacturers, Suppliers and Distributors and Retailers Whether you run a massive fabrication plant, a small online retail shop or something in between, you are involved in the supply chain that creates products and ultimately delivers them to the consumer. You may work with a huge range of potential products, from food or cosmetics to toys or electronics and beyond—but regardless of the type of products, your work exposes you to some unique liability risks. You're not just responsible for what happens with your product while it's actually in your hands. Once it has been passed on to the next party in the distribution chain or the consumer, you are still liable for any harm it causes due to a product defect. That liability has the potential to put your business at risk. The solution is to invest in the right product liability insurance. Ontario manufacturers, fabricators, suppliers, distributors and retailers can transfer product liability risk by speaking with the experienced brokers at Morison Insurance, who can help them get the product liability insurance necessary to avoid significant financial losses. What is Product Liability Insurance? Product liability insurance coverage is a type of commercial business insurance for members of the product supply chain. It offers assistance with legal expenses such as court fees, attorney fees, legal mediation, and settlement costs should the policyholder have a lawsuit brought against them because their product allegedly caused third-party property damage or third-party bodily injury due to design flaws, manufacturing...

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- Published: 2024-04-18
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/st-catharines/business-insurance/
- Categories: Business Insurance

St. Catharines Business Insurance St. Catharines is a great place for those who enjoy seeing nature's beauty while being a larger city. It's close to the beauty of Niagara Falls, is filled with enough natural beauty to be nicknamed "The Garden City," and is still within driving distance of the largest cities in the GTA. As the largest city in the Niagara region, it would be a great place to set up a business. Although there is a lot of opportunity in doing so, opening any business comes with a lot more risk than an ordinary job would ever have. Even if you have set up a perfect business plan, are an expert on what you provide, and know precisely what your customers want, unexpected problems can always blindside you. St. Catharines business insurance is designed to protect you from these risks. What Is St. Catharines Business Insurance? St. Catharines business insurance is commercial insurance that protects business owners from potential losses outside of their control. While damage control and risk mitigation are certainly things that any business owner takes seriously, even the most cautious entrepreneur can’t lower the odds of an accident to zero. There’s always the chance for a defective product to slip through the cracks and harm a customer. Also, all it takes is one mistake for a situation such as a slip and fall to occur. Maybe a neighbour's building ignites, and the flames spread to yours, damaging it. In these situations, a business insurance policy...

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- Published: 2024-04-12
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/vendor-insurance/
- Categories: Business Insurance

Insurance For Ontario Vendors Vendors always have a degree of passion. While people in the sales industry as a whole are known for their infectious charisma, there's an added level of true emotional warmth when someone is selling something they made themselves. While it is certainly possible for someone to hype themselves up to sell some item where they're just the intermediary, the idea of seeing people fall in love with something you made yourself can't be matched. However, selling as a vendor has plenty of risks. When you're both the craftsperson and the face of the company, you are solely responsible for any minor imperfections that could cause harm. While surely you're taking every step you can to ensure that your product is safe, small issues have a tendency to slip through the cracks, especially when you're selling on mass. Vendor Insurance is the level of protection you need if something goes wrong. What Is Vendor Insurance? Vendor insurance is a form of business insurance that financially protects the policyholder from the possibility of several legal costs that come with the risk of being a vendor. For example, one of the items you sell ends up causing someone an injury. Vendor insurance can provide you with the peace of mind that even in the event of something of this nature happening, you will be able to continue selling your products without worry of an end to your business. Is Vendor Insurance Mandatory In Ontario? Vendor insurance is not legally...

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- Published: 2024-04-03
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/builders-risk-insurance/
- Categories: Business Insurance

Builder's Risk Insurance Ontario Builders and Contractors Can Count On While there was once a time when most people built their own homes as best they could, those days are long gone—modern buildings are incredibly complex and constructing or remodelling them is certainly not a project that amateurs can undertake. As a home builder, renovator, or specialized contractor, you provide an essential service, and your skill and experience are necessary to provide people with the homes and commercial properties of their dreams. However, as anyone in the construction industry knows, buildings under construction can be much more vulnerable to damage and destruction than a completed building. That means contractors and builders responsible for properties under construction are vulnerable to potentially major financial setbacks when something like a fire or natural disaster causes serious damage to a construction project that is underway. How do you protect yourself against that risk? The answer is to call Morison Insurance and speak with an experienced broker about builder's risk insurance. Ontario contractors, builders, property owners and more can have the peace of mind that comes with knowing a project is protected by the right insurance coverage during the vulnerable period of time between when construction begins and is completed. What Is Builder's Risk Insurance? Ontario builder's risk insurance is a type of property insurance coverage that applies specifically to buildings under construction. It's also referred to as "course of construction insurance" because it protects builders and others from paying out of pocket to restore...

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- Published: 2024-03-28
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/non-profit-insurance/
- Categories: Business Insurance

Insurance For Non-Profit Organizations In Ontario The non-profit industry is filled with people who are passionate about what they do. The nonprofit sector is filled with people who want to change the world around them for the better. Whether they're trying to improve the lives of people in less privileged countries, save the environment around them, or assist those in their local community in building a better life, the non-profit is filled with people who put others before themselves. However, non-profits are still susceptible to potential lawsuits or claims. For this reason, it is important that any non-profit directors protect their organization from possible legal issues associated with a non-profit insurance policy. What Is Non-Profit Insurance? Non-profit insurance is a form of business insurance that protects your non-profit organization or charity from liability, bodily injury and property damage. It's possible that while you host a fundraiser, one of the attendees trips and falls over a piece of your equipment and decides to hold you legally responsible. Maybe information on some of your vulnerable clients is stored in an online data system, and some cybercriminals are able to get their hands on it. Perhaps the organization's vehicle is involved in a collision and needs repair. Any of these potential risks could end up costing your organization immensely. Getting the extra layer of coverage that non-profit insurance provides is critical to ensure that your organization can achieve its goals of making the world a better place. Who Should Have Non-Profit Insurance in...

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- Published: 2024-03-28
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/bricklayer-insurance/
- Categories: Business Insurance

Insurance for Bricklayers and Masons in Ontario Brickwork is a classic for a reason—it's durable, long-lasting, solid and gives any building a classic charm all its own, as long as it's done correctly by an experienced bricklayer. This certainly isn't a task for amateurs if you want to end up with a structure that will stand the test of time and look great throughout the decades, whether it's a brick patio, brick house veneer or dozens of other possibilities. If you work as a brick mason, also known as a bricklayer, or own a bricklaying business, you already know there's plenty of potential for something to go wrong during construction or, in some cases, long after construction is complete. You can be held liable for those issues and the eye-watering expenses that come along with them. That's why your bricklaying or masonry contractor business needs protection from financial losses that are offered by the right bricklayer insurance. Ontario bricklayers and masons can get the peace of mind that comes with knowing they have robust insurance coverage by calling the reliable brokers at Morison Insurance and starting a bricklayer insurance quote. What is Bricklayer Insurance? Bricklayer insurance, which is also known as masonry insurance, is a type of contractor insurance package designed to address the liability and property coverage needs of bricklayers. If you, your employee or a structure you created cause injury, damage or financial loss, you could have legal action brought against you to recover the associated expenses, and...

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- Published: 2024-03-26
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/car-insurance/second-car-insurance/
- Categories: Auto Insurance

Multi-Car Insurance for Ontario Drivers It's not uncommon for Ontario households to have more than one personal vehicle, whether several people in the home need to be able to use a car at the same time for separate purposes or a single person wants multiple vehicles for different reasons or purposes. It's no secret that any car driven on Canadian roads must have mandatory car insurance coverage. Of course, that includes second cars—but once you already have insurance for one vehicle, the best option for the next vehicle will likely be second car insurance. Ontario drivers ready to get another vehicle for their household can start by contacting their qualified broker at Morison Insurance about a second car insurance quote. We'll search out the best options for second car insurance so you can feel certain you have the right coverage at the right cost. What is Second Car Insurance? When it comes to second car insurance, Ontario residents should note that this term typically refers to insurance coverage for an additional vehicle (car, truck, SUV or otherwise) that the same policyholder owns as the first vehicle. It is a way of bundling another vehicle's insurance coverage with your current policy for your primary vehicle. Why Should a Policyholder Choose Second Car Insurance in Ontario? The main reason why a policyholder should consider choosing second car insurance in Ontario is that bundling insurance for multiple vehicles together with the same insurance company usually results in a discount on premiums. The multi-car...

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- Published: 2024-03-22
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/business-insurance/mechanic-insurance/
- Categories: Business Insurance

Auto Shop Insurance for Mechanics and Garage Owners in Ontario Most Canadian households own or lease at least one vehicle, and it's not hard to understand why—our cities and towns are structured around driving as the primary mode of transport. That means mechanics and auto repair shops provide essential services that are necessary for our lives. However, as an auto shop owner, you are exposed to the common risks that most business owners face, as well as some additional risks related to storing and working on vehicles of all types and descriptions. Without the right mechanic insurance coverage, you can end up facing the harsh reality of paying out of pocket for major expenses such as repair or restoration to recover from damage caused to your commercial property, as well as the potentially astronomical costs of being sued for causing third-party property damage, pollution and much more. Be aware of these business-ending costs when you can get the financial protection you need by calling the experienced brokers at Morison Insurance to find out more about Ontario mechanic insurance coverage. What is Mechanic Insurance? Mechanic insurance or auto shop insurance is a package of business insurance coverages designed to address the insurance needs of mechanics. With the right Ontario mechanic insurance on their side, auto repair shop owners can access the insurance compensation they need to deal with litigation costs if they have legal action brought against them or to handle the expenses involved with recovering from damage to their commercial...

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- Published: 2024-03-12
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/winery-insurance/
- Categories: Business Insurance

Insurance for Wineries in Ontario Thanks to a one-of-a-kind microclimate ideal for vineyards, southern Ontario is well known for many wineries that produce some of Canada's best whites and reds. Many oenophiles with a passion for wine dream of opening their winery, but of course, the reality of owning and operating a fully functional winery and peripheral businesses is far more than strolls through the vineyard and sunset tastings. Growing, producing and selling wine comes with unique risk exposures that go beyond what most businesses, and even most agricultural operations, need to worry about—and that's why it's so important to have the right Ontario winery insurance. The experienced brokers at Morison Insurance can begin a winery insurance quote to address your particular needs so you can rest assured you are backed by the financial protection you need to keep your business thriving year after year. What is Winery Insurance? Winery insurance is a package of insurance coverages designed to transfer liability risks and commercial property damage from a winery owner to their insurance company. Liability insurance is available in various forms and covers the costs of being sued due to an insured peril. Property insurance, on the other hand, prevents you, the business owner, from paying out of pocket for the high costs of replacing, repairing, restoring and re-growing your commercial property should it be damaged or destroyed by an insured peril such as a fire or natural disaster. All insurance policies, whether for liability or property, are subject to...

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- Published: 2024-03-06
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/home-insurance/garden-insurance/
- Categories: Home Insurance

Flourish With Ontario Garden Insurance Gardening can be a gratifying hobby. Whether you're growing your own vegetables to keep your family healthy for a rock-bottom price, creating a beautiful flower bed that gets people to take a second look, or just helping the tree that you planted grow from a little sapling into something large enough for birds and squirrels to call home, it's certainly an activity where you can see your progress. It's a hobby that can literally bear fruit if you do it properly. However, there are plenty of things that could go wrong. Many gardening-related items, including your tools and even the plants themselves, are often targets for thieves. The detached structure where you store all of this equipment is often exposed to the elements and may experience harsh damage. Many of your most prized plants can only be planted during certain times of the year if you want them to grow and bloom properly. Trees may seem sturdy, but they often have to fight off foes like diseases that damage them from the inside, animals and insects that stop at nothing to devour them, and their most dangerous enemy: gravity. Luckily, adding Ontario garden insurance to your home insurance plan can help you. What Is Ontario Garden Insurance? Ontario garden insurance is a level of financial protection that can be added to your home insurance policy to protect you from the risks that threaten your garden and anything around it or used to maintain it. You...

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- Published: 2024-02-29
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/simcoe/car-insurance/
- Categories: Auto Insurance

Car Insurance In Simcoe Simcoe's history makes it a very unique place to live. At first glance, it looks like just another small town, but interestingly, it is an unincorporated community that serves as part of the larger Norfolk region. This gives it a positive small-town atmosphere and the feeling of being part of a larger community. It's also close to the beautiful Lake Erie and a reasonably short drive to the GTA, meaning you can visit some larger cities. However, like most places, your life here will be significantly improved if you own a car. If you want to protect that car financially, you will want to insure it, and our Simcoe insurance brokers can help you with that. Is Car Insurance In Simcoe Mandatory? Yes. Car insurance in Simcoe is mandatory. Not only is it designed to cover the financial fallout in the event of a loss, but like everywhere else in Ontario, legally, you must have car insurance on a vehicle you drive. Mandatory insurance means that not protecting your vehicle isn't just a risk; it's illegal. There are heavy penalties for those who don't have this level of protection, so to keep yourself on the right side of the law and to gain the benefits of protection from damages and lawsuits, it is best that you get car insurance. Why Should I Have Simcoe Car Insurance? Protecting yourself with Simcoe car insurance would still be wise. There are many risks involved in driving. You are not...

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- Published: 2024-02-27
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/simcoe/home-insurance/
- Categories: Home Insurance

Home Insurance in Simcoe Simcoe is an absolutely beautiful place. As the largest community in the Norfolk County area, Simcoe is surrounded by other small communities, has lovely parks, and is very close to the shore of Lake Erie. Furthermore, it's close to the GTA, making a visit to the big city a very realistic opportunity. This small-town feel, combined with its natural beauty, makes it a very appealing place to call home. Your home is very valuable, probably your most valuable investment. You can make sure its properly protected with the assistance of our Simcoe insurance brokers. Why Do I Need Home Insurance in Simcoe? A home insurance policy in Simcoe, like everywhere else, is meant to protect you financially if something disastrous happens to your home. Although your home may seem sturdy enough to take anything that can be thrown at it, it is essential to remember that life tends to throw curveballs at you when you're not expecting them. It is in these unforeseen circumstances you'll be glad that you protected yourself in the first place. Disasters such as a fire could start innocently and spread quickly, catching you off guard. A harsh storm could cause severe wind damage to your home, damage your walls, and shatter windows. Also, note that homeowners insurance covers more than just the home itself. If someone breaks into your home and steals your most valuable possessions, or a guest gets injured on your property and decides to sue you, a proper...

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- Published: 2024-02-22
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/brewery-insurance/
- Categories: Business Insurance

Insurance For Breweries In Ontario Owning a brewery can undoubtedly be very exciting. Whether you're crafting a traditional beer with an established and proud history, a local company's more unique brand or you run a custom craft brewery that you hope will bring several new types of craft beer to the market, the opportunity to bring people drinks they enjoy can be exciting. However, a brewery also has plenty of risks. Not only do you face all of the risks of owning any business, but you also have plenty of expensive equipment, a large property, and several employees, and you also run all the risks involved in being part of the process of distributing alcohol. One way to protect yourself from all these risks is with Ontario brewery insurance. What Is Brewery Insurance? Brewery insurance is a type of business insurance that protects breweries from various risks beyond their control. While we trust that you are doing everything reasonably within your power to mitigate these risks, there's always the possibility something could go wrong. For example, one of your machines may malfunction and injure one of your employees or a customer or client may walk into your brewery and get injured in a slip and fall. In situations like these, a brewery owner not covered by brewery insurance may face massive legal and financial consequences that could damage the company, especially if the brewery is new. Brewery insurance can help financially cover losses, ensuring their business continues to run despite...

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- Published: 2024-02-21
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/yoga-teacher-insurance/
- Categories: Business Insurance

Yoga Teacher Insurance Yoga is increasing in popularity. This makes sense, as the benefits of yoga are now coming into the public light. However, as with anything dealing with your health, things can get complicated fast since the art isn't as simple as grabbing a yoga mat and doing whatever exercises 'look' like they work. This is where the role of a yoga teacher comes in. Similar to being a fitness instructor or personal trainer, being a yoga teacher is a great way to keep yourself in shape and pass on your valuable knowledge and expertise to others. Seeing your students in your yoga class use the lessons you teach them to push their limits and improve their health can be very rewarding. However, it's not without risk. Advising others on such a nuanced topic that puts their body in danger opens you up to being legally responsible for many possible adverse outcomes, even if you take every precaution in the book. Luckily, you can purchase yoga teacher insurance providing legal and financial protection. What Is Yoga Teacher Insurance? Yoga teacher insurance, also known as yoga insurance or yoga instructor insurance, is a form of business insurance that provides legal and financial protection. Yoga teachers can use it to provide a layer of defence against paying out of pocket for expensive incidents. If, for example, a client suffers a bodily injury trying exercises that you recommended to them, or if a piece of expensive yoga equipment you allow your students...

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- Published: 2024-02-16
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/sole-proprietor-insurance/
- Categories: Business Insurance

Sole Proprietor Insurance in Ontario As the sole owner of your business, you have a lot on your shoulders. A sole proprietorship can bring significant rewards and a unique sense of accomplishment. Still, while you don't have to share the results of your business success, you need someone to help you handle the risk of financial losses should something go wrong. Fortunately, there's a solution that allows you to transfer that risk and get the financial compensation you need to keep your business operations up and running in the event of a loss: sole proprietor insurance. With the right sole proprietor business insurance in your corner, you don't have to go it alone. Speak to the experienced brokers at Morison Insurance today to learn more about starting a sole proprietor insurance quote. We will ensure your coverage is uniquely tailored to address the risks you will most likely be exposed to during your business operations. When you have insurance for sole proprietors, you can rest easily knowing you have the financial backing you need to avoid significant losses and forge ahead with your business, regardless of what happens. What is Sole Proprietor Insurance? Sole proprietor insurance is a type of business insurance coverage designed to address sole business owners' insurance needs. As you know, that's a vast category—after all, pretty much any type of business can be a sole proprietorship. That means there is a massive range of potential risks that are faced by any given sole proprietor based on...

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- Published: 2024-02-15
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/paralegal-insurance/
- Categories: Business Insurance

Insurance for Paralegals in Ontario As a paralegal, you play an essential role in the legal system that requires much knowledge and expertise in legal services. At the same time, your work puts you at risk for specific perils that could have a massive negative impact on your financial situation and your career—and chief among them is the risk of being sued for issues such as providing inaccurate advice, breach of contract, professional negligence or conflict of interest. But there are other risks to consider, from different types of liability exposure to the possibility of property destruction due to factors like fire and natural disasters. The right paralegal insurance is the solution to transferring and mitigating risks effectively should they occur. Ontario law professionals can rely on the experienced brokers at Morison Insurance to find the best coverage available for paralegals. With our help, you can get a paralegal insurance quote and have the peace of mind that comes with knowing you won't be forced to pay out of pocket for eye-watering costs if you are sued or subjected to another insured peril. What is Paralegal Insurance? It's no secret that it can take lots of money to resolve a lawsuit or replace and repair business property damaged or destroyed by severe weather, fire, flood, or theft. Paralegal insurance in Ontario is a type of business insurance package of policies designed to address the perils you will most likely encounter throughout your professional career and provide the insurance compensation necessary...

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- Published: 2024-02-13
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/business-insurance/farm-insurance/tractor-insurance/
- Categories: Farm Insurance

Insurance for Tractors on Ontario Farms Farming has a long, proud tradition in Ontario. Whether you run a massive commercial farm or a small ranch, you need a tractor to handle agricultural tasks such as growing crops and caring for livestock. The cost of a tractor can vary quite a bit based on its size and features, but they're typically not cheap—and that means it can be a financial burden to soak the cost of replacing or repairing a tractor should it be damaged or destroyed. The solution is the right tractor insurance. Ontario farmers can rely on the experienced brokers at Morison Insurance to find the right machinery and equipment coverage when they start a tractor insurance quote. Give us a call any time to learn more about insurance for tractors and the suitable options for your insurance needs. What is Tractor Insurance? Tractor insurance in Ontario is typically insured on a farm machinery & equipment floater. This is basically a type of insurance rider that can be added to a farm insurance policy Depending on the terms of the floater, it offers insurance compensation to repair or replace a tractor that has been damaged, destroyed or stolen up to the coverage limits listed on the policy. Who Needs Tractor Insurance in Ontario? Anyone who runs an agricultural operation and uses a tractor for agricultural purposes should have their tractor covered by the right tractor insurance to protect their investment. Ontario farms come in various types and sizes, and...

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- Published: 2024-02-09
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/burlington/home-insurance/
- Categories: Home Insurance

Homeowners Insurance Burlington Burlington is a great place to call home. With a beautiful view of Lake Ontario, a thriving arts and culture scene, and the largest rib fest in all of Canada, there's a lot for Burlington residents to enjoy. However, if you want to live here, you'll need a place to stay, and Burlington housing is quite expensive, meaning a Burlington home could be the most significant investment you'll make in your entire life. Given the hundreds of thousands of dollars you'll spend buying, renovating, and maintaining your home, it only makes sense to protect your investment, especially since a single stroke of bad luck can leave a homeowner with plenty of property damage and an expensive bill to pay out of pocket. But with the right Burlington home insurance policy, you can have peace of mind knowing you are protected in the event of a loss. Burlington homeowners can count on the team of expert Burlington insurance brokers at Morison Insurance to help get insurance for their Burlington home, as well as any other insurance needs they may have. Is Home Insurance in Burlington Necessary? Burlington homeowners may be surprised to hear that they are not legally required to have home insurance. Burlington, Ontario, nor the Canadian government legally required you to have home insurance. However, it is still highly recommended to have the right homeowners insurance, as it helps provide financial protection for one of the biggest investments you can make in the face of an...

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- Published: 2024-02-08
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/home-insurance/home-daycare-insurance/
- Categories: Home Insurance

Insurance For Home Daycares in Ontario As any parent knows, there's nothing more precious and important than their children. When parents entrust their most valued asset into their care, they must understand that their little ones will be safe, happy and well-cared for. If you're willing and able to provide that level of care and meet or exceed parents' high expectations, you can run a thriving childcare business from the comfort of your own home. But doing so also exposes you and your home property to the potential for financial loss through property damage or even lawsuits. Your best option is to have proper home daycare insurance coverage. What is Home Daycare Insurance? Home daycare insurance is a specific type of coverage that protects you, your property and your daycare business from insured losses. Suppose someone sues you for allegedly causing bodily injury. In that case, you'll be able to get compensation from your insurance provider to cover litigation-related expenses such as attorney fees, court fees, and, if you are found liable, settlement costs up to the coverage limits listed on your policy. Since the coverage limits on your standard home insurance policy are not sufficient to cover liability protection for issues related to your daycare business, it's important also to increase the coverage limits for your personal liability insurance and insurance companies generally increase the daycare liability insurance premiums per child at a rate that is commensurate with the amount of coverage you need or want. Who Needs Home...

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- Published: 2024-01-29
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/accessibility-plan/

Morison Insurance's Multi-Year Accessibility Plan (2023-2027) Morison Insurance Brokers Inc. is committed to promoting accessibility, diversity, and inclusion for all individuals, including those with disabilities. This Multi-Year Accessibility Plan outlines our strategy and actions to identify, remove, and prevent barriers to accessibility over the next five years. Vision Statement To create an inclusive, welcoming, and accessible environment where everyone, regardless of their abilities, can fully participate and contribute. Guiding Principles Dignity: Treat all individuals with respect and recognize their rights to independence, integration, and equal opportunity. Equity: Ensure fair and equal access to programs, services, and facilities for individuals with disabilities. Inclusivity: Foster an environment that values diversity and promotes the inclusion of all members of the community. Transparency: Communicate accessibility initiatives, progress, and information openly and effectively. Plan Objectives Identify Barriers: Identify and prioritize barriers to accessibility in our facilities, services, and communications. Remove Barriers: Develop and implement plans to remove identified barriers, ensuring timely and effective solutions. Prevent Barriers: Integrate accessibility considerations into planning, design, and decision-making processes to prevent new barriers from emerging. Training and Education: Provide training and educational programs to equip staff with the knowledge and skills necessary to support accessibility initiatives. Continuous Improvement: Establish mechanisms for ongoing evaluation, monitoring, and improvement of accessibility initiatives. Action Plan 2023-2027 Years 1-2 (2023-2024) Develop and implement an accessibility training program for all staff members. Create accessible formats for key documents and communications when required. Provide options for accessible ways of interacting with our clients. Years 3-4 (2025-2026)...

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- Published: 2024-01-09
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/burlington/business-insurance/
- Categories: Business Insurance

Business Insurance Burlington Businesses Can Count On There are few things more exciting than beginning your own company. Part of the excitement comes down to you being the one who makes the rules and decides on things like dress code, hours, location, and possible work-from-home policies. Even more exciting, you get to determine what the company does. Whether you're trying to turn your passion into a career or are going with a tried-and-true business model and putting your own spin on it, becoming a business owner allows for creative freedom while earning a living. This is not done without risk, but with business insurance, Burlington business owners can get the financial protection necessary to avoid setbacks in the face of claims or unexpected events. While you free yourself from the obligation of working for someone else, you take on the challenge of having to deal with a lot of extra work and risk. Not only do you have to do a seemingly endless amount of legal and tax documents, but you also take on a wide range of risks that you never would have had to worry about while working for someone else. Ordinary employees aren't the ones to foot the bill if the company is presented with a lawsuit or must face repairs to its headquarters. As a company owner, it is your responsibility to cover such costs, whether you or your company is at fault, a single incident can irreversibly damage your company, especially as a small business...

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- Published: 2024-01-02
- Modified: 2025-04-24
- URL: https://staging.morisoninsurance.ca/car-insurance/toyota-insurance/
- Categories: Auto Insurance

Toyota Insurance In Ontario A Toyota is one of the most reliable and practical cars on the market, being highly affordable, durable, and fuel efficient. When you buy a Toyota, you want your investment into a vehicle to be returned in the form of a dependable, safe car that will last longer than its competition while still being friendly with your bank account. However, no matter how safe you play it with your vehicle, not even a Toyota comes without risk. There is always the chance of something going wrong, and to help cover that, you will need Toyota insurance to protect you. What Is Toyota Insurance? Toyota Insurance is a form of car insurance that protects you financially if your Toyota is damaged or otherwise involved in an incident. Just like all forms of car insurance in Ontario, it is mandatory for vehicle owners, meaning that if you own a Toyota, the law requires that it is properly insured. Having Toyota insurance also protects you from many of the financial risks involved in driving a vehicle. If you are involved in an accident, your vehicle will almost certainly be heavily damaged, costing thousands of dollars to repair. If you do not have Toyota insurance, you would have to pay for these out of pocket. However, if you have Toyota Insurance coverage, these costs and fees would be covered by your insurance provider. This could save you thousands of dollars and make the impact on your life much more manageable....

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- Published: 2023-12-21
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/burlington/car-insurance/
- Categories: Auto Insurance

Car Insurance In Burlington Burlington is a large, sprawling city. Although this provides many benefits for both business and entertainment, it means you will almost certainly need a vehicle to navigate thoroughly, and that vehicle will need to be covered. Given the complexity that many insurance policies include, navigating the finer points of your plan can be difficult for someone not specifically trained to do so, leaving many people nervous or overwhelmed by the situation. A solution to this is hiring a broker to assist you with your Burlington car insurance. Burlington insurance brokers, such as those at Morison Insurance, can help guide you through the ordeal of navigating the complexities of Burlington car insurance. Is Car Insurance In Burlington Mandatory? Burlington car insurance is legally mandatory just like it is for the rest of Canada. If caught driving without car insurance in Burlington or other parts of Canada, you will face legal consequences. These consequences could include fines of thousands of dollars, suspension of your driver's license, or impounding of your vehicle. It is also important to note that auto insurance coverage provides a lot of coverage to the policyholder. If you are involved in a collision, you will have to face repairs and possibly legal consequences. Burlington car insurance can help protect you against these possible scenarios. It is also important to remember that it is not only cars where coverage is mandatory. Jeep insurance and pickup truck insurance are needed as well if you own the specified...

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- Published: 2023-11-28
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/esthetician-insurance/
- Categories: Business Insurance

Insurance for Estheticians in Ontario From ear piercing and eyebrow tinting to body wraps and hair removal, there's no doubt that esthetic services are in high demand. We all want to feel good about how we look and feel, and as an esthetician, you have the skill to help people put their best foot forward. At the same time, it's essential to understand that your line of work can leave you exposed to certain risks that could result in severe financial loss, whether it's property damage that prevents you from taking appointments with your clients or a liability issue that results in legal action being brought against you in a court of law. Fortunately, there's a solution that allows you to practice your esthetics business and have the peace of mind that comes with knowing if something does go wrong, you won't be forced to pay out of pocket for potentially astronomical costs such as legal defence fees, settlement expenses, building damage restoration and more. That solution is the right esthetician insurance. Ontario beauty service professionals can get the financial protection they need to ensure that their business will continue to thrive by investing in insurance for estheticians. Call us today to speak with a qualified Morison Insurance broker and learn more about addressing your unique business insurance needs or starting an esthetician insurance quote. What is Esthetician Insurance? Esthetician insurance is a variety of commercial business insurance coverages designed to address the perils estheticians are likely to encounter by...

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- Published: 2023-11-14
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/bakery-insurance/
- Categories: Business Insurance

Insurance For Bakers and Bakeries In Ontario There's no doubt that baking is a business that allows you to see smiles on your customers' faces. Whether it's seeing a child's face light up with excitement when they see their birthday cake, a worker's optimistic smirk as they prepare to surprise their colleagues with a box of donuts for a meeting, or you see the crow's feet on the face of a regular customer as they purchase a special dessert for their family like they do every weekend. There's no doubt that you can see the tangible benefits of the goods you and your employees bake. However, there is an inherent risk that comes with the job. As with anyone who makes, handles and distributes food, there are plenty of common risks. It's possible something is wrong with the dough, and you don't find out about the recall until after you've incorporated it into your cooking. One of your creations could get cross-contaminated with some nuts, causing one of your customers to have a significant allergic reaction. A vulnerable customer could also get injured by suffering a slip and fall on your premises. You might face legal backlash that could end in financial hardship in these situations and many others. If any of these happen, you're in danger of suffering a heavy financial loss if you don't have bakery insurance ready to cover you and your business. What Is Bakery Insurance? Bakery Insurance is a form of business insurance that protects...

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- Published: 2023-10-26
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/ottawa/business-insurance/
- Categories: Business Insurance

Business Insurance In Ottawa Every business owner knows how exciting, liberating, challenging and risky it is to start your own company. You get all the freedom of choosing how the company is run, which means you get to make the hours, choose what the rules are, and decide what the company does in the first place. However, you give up the safety net of not having to be the one who has to pay when things go south. Even worse, you must pay a lot out of pocket if the company faces legal action or if the equipment gets damaged. Since many of these costs can single-handedly destroy a business, putting you in a position to start over, you're probably wondering if there's a way to mitigate that risk. Luckily, our Ottawa insurance brokers can help you with Ottawa business insurance. What Is Ottawa Business Insurance? Ottawa business insurance protects your business from devastating financial losses that could cripple or end it entirely. If, for example, the building your office is in catches fire, causing property damage, your company vehicle is heavily damaged in a collision, or some of your most expensive specialist equipment is stolen or damaged and needs to be replaced, you could wind up having to pay thousands of dollars out of pocket if you are uninsured. Paying so much money is a real setback for any company and could end a smaller business entirely. However, an Ottawa business insurance policy can cover you in these cases...

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- Published: 2023-10-12
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/business-insurance/startup-insurance/
- Categories: Business Insurance

The Challenges Faced By Startups One of the most exciting things someone can do in their life is to start their own business. Becoming the founder of a small business gives you the freedom to decide what you do on a day-to-day basis and lets you work on something that you're passionate about. Whether you're a young recent graduate who wants to provide a fresh viewpoint in your industry with new ideas, someone who's been in your industry for a couple of decades and wants to use that experience to guide your new venture as a sole proprietor, or someone who's bringing out a new horse to the entrepreneurial rodeo they've ventured through before, your heart is probably pumping from the excitement of having this level of freedom. However, freedom always comes with risk. Being a business owner exposes you to many risks that ordinary employees don't have to worry about. For example, a damaged or robbed office would likely inconvenience regular employees, but at the end of the day, they probably don't have to worry about it that much. The business owner, on the other hand, will likely be very stressed, as it has caused a situation where they are now responsible for paying a lot of money to repair damage or replace lost inventory. This is why it's important to keep track of inventory in case of a loss. This is also true with lawsuits, damaged equipment, bodily injuries to other employees, etc. Such expenses could cause a...

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- Published: 2023-07-19
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/personal-insurance/overland-water-coverage/
- Categories: Home Insurance

Ontario Overland Water Coverage When Canadians think about the risks that could damage or destroy their home, fires and natural disasters typically come to mind. While that is understandable, it's important not to underestimate water's threat to a home. In fact, water is actually the most common cause of property damage and accounts for around half of all home insurance claims costs. Despite that, overland water coverage is one of the least understood insurance coverages. Many Ontarians are unsure what types of water-related damage their home insurance policy covers. Overland water coverage is an essential component of property insurance coverage, and it's critical to know what is covered to ensure you have the necessary protection against financial loss for the perils you and your property are most likely to encounter. What is Overland Water Coverage? Canadian homeowners know that dramatic weather patterns are a part of life that must be considered to protect their property from severe damage. That can include torrential rainfall and rising rivers or lakes that burst their banks, resulting in water seeping or flooding your home. Anyone who has ever dealt with severe water damage before knows how much trouble a little—or a lot—of water can cause in a concise amount of time, and how time-consuming and costly water damage restoration can be. Suppose you have the overland water endorsement added to your homeowner's insurance policy, and you have an Overland Water loss. In that case, you can get the insurance compensation you need to deal...

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- Published: 2023-06-13
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/office-insurance/
- Categories: Business Insurance

Insurance for Offices in Ontario Many professions and industries work in an office setting, from financial and healthcare professionals to marketing, design and far beyond. As diverse as the businesses that operate in offices are, they all have one thing in common. They need the right office insurance coverage to protect them from financial loss should their commercial property suffer damage or if a liability allegation lands them in legal hot water. Get the Ontario office insurance coverage you need by calling the experienced brokers at Morison Insurance for an office insurance quote. We'll make sure you rest easy at night, knowing you won't be forced to pay out of pocket for unexpected expenses that arise from an insured peril. What is Office Insurance? Office insurance is a type of commercial insurance policy designed to help mitigate the risk of financial loss for business owners who operate out of an office setting. Because so many different types of businesses work out of an office, it's a more generalized type of commercial business insurance. That being said, each office insurance policy is written to address the unique needs of the individual policyholder, so there's no need to worry that it won't be tailored to your specific risk exposures. Generally speaking, Ontario office insurance offers two overarching types of insurance coverage: commercial property insurance and commercial liability insurance. Each category contains various types of coverages, such as business property insurance or commercial general liability, to protect you against unexpected expenses for the...

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- Published: 2023-06-06
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/consultant-insurance/
- Categories: Business Insurance

Consultant Insurance Ontario Can Depend On Consultants have specialized expertise that makes them incredibly valuable to organizations that need advice and strategic thinking on a specific industry, topic or project. Because they provide important feedback on matters that can have a major impact on a company's success—or lack thereof—consultants are vulnerable to allegations and related litigation that can cause them huge financial setbacks. The experienced insurance brokers at Morison Insurance can help you get the financial protection you need to thrive in your career with the right insurance for consultants in Ontario. What is Business Consultant Insurance? Ontario business consultant insurance is essentially a type of business insurance that is tailored to the needs of those who provide consulting services and to the specific insurance requirements of the individual policyholder. The purpose of consultant insurance is to protect consultants against the major financial losses that can result from issues such as lawsuits or disasters that cause damage to their business property and its contents. In the event of an insured peril, consultant insurance carriers provide funds to cover costs such as legal expenses, medical bills, property restoration and more, according to the terms of the consultant insurance policy, which typically includes various types of liability coverage along with property coverage. Which Professionals Need Consultant Insurance? Ontario consultants who make a living providing professional services or advice need the financial protection that is afforded by the right insurance for consultants. That includes consulting professionals across a wide range of industries and...

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- Published: 2023-05-31
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/videographer-insurance/
- Categories: Business Insurance

Insurance for Professional Videographers The videography industry is undoubtedly a fun and exciting field for those who want to flex their creative muscles. You get to script, film and edit videos containing many people, places and things. Whether you're immortalizing a couple's wedding day, getting a close-up of iconic landmarks where you show its most stunning detail to the public, shooting a vast cinematic live shot of a beautiful landscape, or simply making a video from your studio, you're someone who makes the magic of Hollywood happen. In addition, you have all the power and freedom to be your boss. However, with great power comes great responsibility. You no longer have an administration team taking care of a business's logistical matters. This means that, like with all sole proprietors, the burden of doing all that falls onto your shoulders. As exciting as it is to have such a large variety of clients ranging from humble families to large businesses, you run all the risks of being a business owner. If your equipment or footage gets damaged, destroyed, lost or stolen, the responsibility falls on you to handle it. Worse yet, a single incident could cost you enough money to destroy the business you've invested so much time, money and hard work into. With all this in mind, how do you prevent such a disaster from destroying your business? What is Videographer Insurance? Simply put, Videographer insurance is a type of business insurance that can provide coverage to protect you from...

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- Published: 2023-05-19
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/car-insurance/telematics-insurance/
- Categories: Auto Insurance

Telematics Insurance for Ontario Drivers Everyone is required to drive safely and conscientiously follow the rules of the road—but some people are more committed to safe driving practices than others. Why should cautious, safer drivers pay the same amount for their auto insurance as those who don't give safety a second thought? Ontario telematics insurance allows good, low-risk drivers to be acknowledged and rewarded with a discount on their insurance, even if they don't have a long driving history to confirm their careful driving practices. The reliable, experienced brokers at Morison Insurance can find you the right telematics insurance policy to ensure you get credit for keeping yourself and others safe on the road. What is Telematics Insurance? Ontario telematics insurance is a type of voluntary auto insurance program in which drivers can undergo a six-month assessment period to confirm that they are a safe driver, netting them a discount on their car insurance premium. The monitoring and assessment are done through a smartphone app that records driving habits such as hard braking and sharp turns while driving in real-time. After the assessment period, the telematics insurance provider reviews the collected data and uses it to determine your eligibility for a personalized insurance rate. Who Can Benefit From Telematics Insurance? Suppose you typically drive defensively and take care to follow the rules of the road. In that case, you can benefit from a discount on your car insurance rate with Ontario telematics insurance. Drivers of any age and with any...

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- Published: 2023-05-18
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/business-insurance/store-insurance/
- Categories: Business Insurance

Store Insurance For Ontario Retail Businesses Retail stores play a huge role in our daily lives and provide us with everything we need—and want—to live comfortable lives. As a business owner who operates a retail store, you are exposed to certain risks that could lead to unrecoverable financial setbacks, such as lawsuits and property damage. Fortunately, there's a way to protect yourself against unexpected expenses so you can build on your business success year after year. Call Morison Insurance and let us know more about your unique business so we can seek out your ideal retail insurance. Ontario brokers on our team can help you get the financial protection and the peace of mind that comes with knowing you have the necessary protection against unexpected financial losses for your retail business, no matter the type of products you sell. What Is Store Insurance? Ontario store insurance, otherwise known as retail or shop insurance, is a type of business insurance policy designed to meet the needs of retail store owners in general and each individual policyholder specifically with a combination of property and liability insurance coverage that is tailored to the unique insurance needs of the business. Store insurance offers protection against financial losses by providing insurance compensation for expenses such as repair, replacement, damage restoration, theft and vandalism in the event of an insured disaster or incident, along with legal defence fees, settlement costs and other costs related to liability, up to the limits listed on your Ontario store insurance...

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- Published: 2023-05-16
- Modified: 2023-05-16
- URL: https://staging.morisoninsurance.ca/zero-tolerance-policy/

Morison Insurance’s Zero Tolerance Statement on Abusive Behaviour Morison Insurance Brokers makes customer service our top priority. In our interactions with clients, insurers, companies, co-workers and the public, we strive to ensure that everyone is treated with fairness and respect. We are also committed to supporting a culture of respect and well-being for our employees by ensuring they have a safe and respectful working environment. To foster this, Morison Insurance has zero tolerance for abusive behaviour towards our staff. Abusive behaviour can be in any form (in writing, on the phone, in-person, etc. ) and may include: Personal attacks or rude and disparaging remarks regarding Morison Insurance employees; Use of obscenities, profanities, degrading comments, insults, vulgar or sexist language, humiliating remarks or racial/religious slurs; Yelling; Bullying behaviour; Intimidation of any kind, as well as threats or acts of violence; and Persistent repetitive communications making unrealistic demands. Abusive behaviour constitutes grounds for Morison Insurance to modify how it interacts with the individual. Where necessary and in ongoing circumstances Morison may choose to discontinue communications outright.

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- Published: 2023-05-11
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/legal-expense-insurance/
- Categories: Business Insurance

Legal Expense Insurance Ontario As a business owner, you have a lot on your plate between pleasing your customers, managing your employees and building the success of your business. There are a million daily decisions, many of which require your direct input. Regardless of what type of business you run, your day-to-day commercial activities leave you exposed to a wide range of scenarios in which you may need legal assistance that varies from a quick chat on the phone to get legal advice all the way to litigation that requires a full court strategy from a law firm. But as anyone who has had to deal with legal disputes in the past already knows, the cost of legal services can be prohibitive. Most business owners can only afford a $500 hourly rate with legal counsel if they suffer some financial setbacks. In fact, many Canadian businesses that rightfully deserve their day in court end up walking away from the situation without recompense because they can't afford to obtain the level of legal services they would need to resolve the problem in legal proceedings. Or, they may end up paying far more than necessary for costs such as tax because they needed help accessing the essential legal advice they needed to avoid those expenses. Get access to justice and accurate, qualified legal advice whenever you need it by speaking with the experienced brokers at Morison Insurance about a legal expense insurance quote. Ontario businesses are likely to encounter a situation that...

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- Published: 2023-04-19
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/personal-insurance/personal-liability-insurance/

Personal Liability Insurance for Ontario Residents Most people don't go about their daily lives worrying that an accident could occur, leaving them liable for causing third-party property damage or third-party bodily injury. But as careful as you may be, there's simply no way to avoid every mistake and mishap that can happen throughout the course of your life. Personal liability insurance policies give you and your family financial protection against paying out of pocket to cover litigation costs, including legal expenses, medical bills, a replacement for damaged property and monetary settlements. Do you currently have adequate personal liability insurance? Ontario residents can contact the friendly brokers at Morison Insurance to learn more about their existing personal liability insurance coverage and ensure they have the right insurance in place for their individual insurance needs. What is Personal Liability Insurance? Personal liability insurance is a component of a standard home insurance, condo insurance or tenant insurance policy. Suppose you or a household member have legal action brought against you because a third party alleges you caused them bodily injury or damaged their property. In that case, your personal liability insurance company will provide the funds necessary to cover the cost of your legal defence and costs that arise should you be found liable. That could include medical expenses and compensation for pain and suffering in the case of bodily injury or the expense of replacing the destroyed item in the case of property damage. Who Needs Personal Liability Insurance? In short, absolutely...

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- Published: 2023-04-14
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/home-equipment-breakdown-coverage/
- Categories: Home Insurance

Home Equipment Breakdown Coverage for Ontario Homeowners A typical home insurance policy covers your home and its contents against perils such as fire, theft and vandalism—but did you know there are critical components of your house that aren't covered against mechanical breakdown? If your house burned down, your home insurance would cover elements such as your heating and cooling system or appliances. Still, suppose they were damaged or hindered by issues such as a power surge, faulty installation, mechanical failure or even user error. In that case, you'd be forced to pay out of pocket to replace them. The solution to this problem is to speak with your knowledgeable Morison Insurance broker about adding an endorsement for home equipment breakdown coverage to your home insurance policy. Home equipment breakdown coverage extends your policy to provide insurance coverage for a mechanical breakdown caused by an insured peril. Call your Morison Insurance broker today to find out more about Ontario home equipment breakdown coverage and ensure you have adequate financial protection to prevent you from struggling with unexpected expenses. What Is Home Equipment Breakdown Coverage? For homeowners in Ontario, home equipment breakdown coverage is an endorsement that can be added to a home insurance policy. It allows homeowners to receive insurance compensation to cover the costs of repairs or replacement for a piece of home equipment that has suffered a breakdown due to motor failure, inadequate installation, an electrical power surge or operator error. It includes coverage for: Electrical breakdown Mechanical breakdown...

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- Published: 2023-03-23
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/personal-insurance/student-rental-insurance/
- Categories: Business Insurance, Home Insurance

The Student Rental Insurance Ontario Property Owners Who Lease to Students Need Rental properties are always in high demand near universities and colleges. Thousands of students want to live as close to campus as possible, and on-campus student housing isn't the right solution for everyone, nor is there room for everyone to live on-campus. If you own a residential property that is near a secondary education campus or is otherwise located somewhere that attracts a lot of students, it makes sense to consider turning it into a student rental property or converting a suite in your home to rent to students—and of course, that means you need student rental insurance. Renting to university students is potentially lucrative because even though students don't typically rent long-term, there's always a steady supply of applicants waiting to take the place of anyone who moves out. However, renting to students can come with some risk exposures that make it extra important that you protect yourself and your property with the right student rental insurance. Ontario property owners can count on the experienced brokers at Morison Insurance to find the right insurance options for their unique needs so they can rest easy knowing they have financial protection against the risks that are most likely to befall their properties. What Is Student Rental Insurance? Ontario student rental insurance is a type of landlord insurance that is designed to protect rental property owners from financial loss in the event that the rental property or your belongings on...

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- Published: 2023-03-07
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/personal-insurance/rented-dwelling-insurance/
- Categories: Business Insurance, Home Insurance

Dwelling Insurance for Your Rental Property in Ontario If you've invested in a residential property, you're not planning to live in yourself, and it makes perfect sense to offer it up on the rental market and turn it into a profitable venture. Whether you're interested in bringing in a little extra income, it's critically important to have protection against financial loss afforded by the right rented dwelling insurance policy. Ontario property owners are sometimes reluctant to consider renting out a dwelling because they know it could leave them vulnerable to financial hardship caused by damaged or destroyed property, a sudden loss of rental income or even liability issues that could force them to defend themselves in court. All those worries can be alleviated by a thorough rented dwelling insurance policy that addresses your specific needs and unique risk exposures that gives you the financial protection you need. What is Rented Dwelling Insurance? Also referred to as rental property insurance or landlord insurance, rented dwelling insurance is a type of insurance designed to protect a residential property owner from financial losses related to physical damage or destruction of their property and belongings, along with covering other expenses such as legal costs in the event of a liability situation. Rented dwelling coverage can also provide coverages such as rental income protection so you can receive compensation for lost income if a fire or other insured peril renders your property unfit for occupancy and your tenants have to move out. Who Needs to...

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- Published: 2023-02-22
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/personal-insurance/scotch-and-whisky-collection-insurance/

Insurance Protection for Your Personal Scotch and Whisky Collection If you're a connoisseur of scotch and whisky, you have a small or not-so-small collection at home, so you've always got the right bottle to break out on a special occasion. They may be consumable, but those bottles are not just your essential groceries. They're treasures that may sometimes be quite costly, and if they were stolen or destroyed in a fire or natural disaster, you'd want to replace them with your other damaged or destroyed belongings. That's why it's essential to ensure you have the right whisky collection insurance with the right coverage limits to ensure that you'll receive total replacement value in the event of an insured peril. What is Scotch and Whisky Collection Insurance? When the collection in question is for personal rather than commercial use, whisky collection insurance is a part of the contents coverage on your home insurance or tenant insurance policy. It's a type of personal insurance coverage that protects you against financial loss if your scotch and whisky collection is destroyed by an insured peril such as a fire, stolen or vandalized. In a situation like that, your insurance carrier would provide the funds necessary to replace your scotch and whisky collection up to the coverage limits on your insurance policy. Coverage extensions are also available for your homeowners' insurance, which could extend coverage for other potential perils, such as damage caused by a sewage backup or a mechanical breakdown of climate control units....

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- Published: 2023-02-16
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/personal-insurance/musical-instrument-insurance/

Musical Instrument Insurance for Personal-Use in Ontario Musical instruments are for more than just working professional musicians. Many people who don't make their living in the music industry have instruments at home that they love to play for fun, relaxation, enjoyment of their friends and family and for nostalgic or aesthetic reasons. Regardless of how they are used or why you keep them around, they represent an investment and are treasured parts of your home collection. That's why ensuring you have adequate coverage is essential. If you're not sure whether your personal instruments have the necessary coverage to ensure you can get them restored or replaced in the event they are damaged, stolen or destroyed, speak to your expert broker at Morison Insurance to confirm if you need additional coverage or to start on a musical instrument insurance quote. What is Musical Instrument Insurance? Musical instrument insurance is a part of your contents coverage, which is part of your personal home insurance, condo insurance or tenant insurance policy. The exact parameters of what is covered will depend on your unique policy. Still, you can expect your insurance company to provide compensation if your instrument suffers property damage or destruction from an insured peril such as fire, natural disasters, vandalism and theft. Financial protection ensures you'll be able to get a replacement instrument or cover repair costs for extensive damage to your current one if feasible. Who Should Have Musical Instrument Insurance? Anyone who owns a personal-use instrument should have musical...

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- Published: 2023-01-25
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/photography-equipment-insurance/

Photography Equipment Insurance for Personal Use in Ontario Whatever you do with your camera, from springing out of bed early to get the perfect birdwatching shot to chronicling the lives of your nearest and dearest family members, there's no doubt that your photography hobby relies on some costly pieces of equipment. If your camera suffers damage or is stolen, you won't take any more photos until it's replaced—and replacement can be prohibitively expensive. When you get the right photography equipment insurance package with help from the reliable brokers at Morison Insurance, you can enjoy using your camera and gear as much as you want without worrying about what you would do if it were broken or stolen. Our experienced team will provide you with a photography equipment insurance quote that provides the ideal coverage options for your equipment and financial protection for all the other aspects of your life. What is Photography Equipment Insurance? Photography equipment insurance is a type of personal insurance for cameras that is typically part of a homeowners insurance or renters insurance policy. If your camera and/or gear were stolen or damaged to some degree, your camera gear insurance carrier would provide the funds necessary to replace them with items of a similar value. That allows you to take your camera out into the world and use it to your heart's content while at the same time maintaining your peace of mind knowing that if something does happen, you'll be able to get that equipment replaced...

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- Published: 2023-01-17
- Modified: 2024-11-26
- URL: https://staging.morisoninsurance.ca/business-insurance/framers-insurance/
- Categories: Business Insurance

Framing Insurance for Construction Professionals in Ontario Those who aren't familiar with the construction industry and have never seen a building built might have a pretty vague idea of precisely what a framing contractor does—but those in the know know that the work you make impacts all of our lives daily. Framers are crucial to give us the comfortable indoor lifestyles we've come to expect. Still, your work also leaves you vulnerable to liability and property damage issues that could result in severe financial losses without the financial protection afforded by the right Framers insurance policy. Don't leave yourself and your business unprotected against the many things that could go wrong, both on and off the job. The experienced brokers at Morison Insurance will work with you to find the ideal Framers insurance coverage to suit your unique needs, so you can get the peace of mind that comes with knowing you'll be able to get your business back on track quickly and without financial hardship, if something does go wrong. What is Framers Insurance? Framers insurance is a type of contractor insurance coverage that offers financial protection if you or the products you have constructed cause bodily injury or property damage to others, and you are sued by a plaintiff who wants compensation for medical bills, replacement costs and so on. It also protects you against financial loss if your tools, equipment or commercial property are damaged, stolen or destroyed, so you can get them replaced or repaired and...

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- Published: 2023-01-10
- Modified: 2024-12-04
- URL: https://staging.morisoninsurance.ca/personal-insurance/golf-equipment-insurance/

Golf Equipment Insurance Ontario Ontario has plenty of beautiful golf courses that are out there just waiting for you to hit the links with your clubs in tow. Enjoying a round with the company of your friends in those scenic vistas is a great way to spend a day. But suppose your clubs or other necessary equipment are stolen, vandalized or damaged, and you don't have the right Ontario golf equipment insurance to get them replaced or repaired. In that case, you'll be left behind at the clubhouse while your friends are having fun out on the greens—or you'll be stuck at the driving range with some seriously sub-standard rented clubs. Don't let that happen to you when it's so simple to call your experienced broker at Morison Insurance and make sure you have the proper financial backing to get back in the game fast, regardless of what happens to your golf equipment. What is Golf Equipment Insurance? Golf equipment insurance is a type of sports equipment coverage on your home insurance policy that protects you against financial loss if your golf equipment is damaged or stolen, on or off the course. Also, if you are have tenants insurance instead, sports equipment coverage can also be added. If your equipment is taken out of commission for an insured reason, your insurance carrier will compensate you with the funds you need to purchase a replacement set of equal value. Who Needs Golf Equipment Insurance? Suppose you have golfing equipment passed down...

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- Published: 2023-01-05
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/engagement-ring-insurance/

Insurance for Your Engagement Ring Undoubtedly, getting engaged is one of the most exciting times in your life. When a marriage proposal is successful, both parties are wrapped up in the excitement of pledging their commitment to one another—and needless to say, engagement ring insurance is not the first thing on anyone's mind. But once the initial celebration has passed and it's time to get down to planning the wedding, don't forget to take some time between cake tastings and dress fittings to make sure your new, precious piece of jewellery has the necessary insurance protection so the investment can be recovered in the event of theft, loss or damage. It doesn't matter if you’re trying to insure a fully fledged 24 carat diamond ring, or a simple, affordable one that only costs a few hundred dollars, when you call the experienced brokers at Morison Insurance to find the right insurance for your unique needs, you get peace of mind knowing you are financially protected against loss. What is Engagement Ring Insurance? Engagement ring insurance (and wedding ring insurance, which you'll also need to consider shortly) is a type of personal insurance explicitly tailored to address your ring's most likely risk exposures, along with the necessary coverage limits for replacement costs. Suppose your ring is stolen, suffers damage, or just mysteriously disappears. In that case, you can rely on the support of your engagement ring insurance provider to supply the funds you need to replace or repair your valuable item....

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- Published: 2022-12-02
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/home-insurance/penthouse-insurance/
- Categories: Home Insurance

Insurance for Penthouse Owners in Ontario When you choose a penthouse suite as your home, you're investing in style and substance—not to mention those views. No one wants to consider the worst-case scenario. Still, as we all know, unexpected expenses can arise throughout home ownership, and those expenses have the potential to create havoc in one's personal finances. That's particularly true for extravagant penthouse owners because your property is not freestanding and self-contained but rather part of a building structure many other homeowners share. The best way to ensure that you are protected from financial loss in the event of property damage, loss or litigation is with the right Ontario penthouse insurance policy. The reliable brokers at Morison Insurance have plenty of experience finding the correct penthouse insurance quote for luxury penthouse owners perfectly tailored to your unique insurance needs. With our help, you can rest easy knowing if disaster strikes, you'll be able to recover quickly without suffering financial consequences. What is Ontario Penthouse Insurance? Ontario penthouse insurance is a type of personal condo insurance designed to meet your needs as a high-value penthouse owner and ensure that you have coverage against all the risks you are most exposed to. This coverage ensures you aren't forced to pay out of pocket for costs such as repairing fire or flood damage, settling liability claims, and replacing damaged or stolen belongings. Like other types of high-value home insurance, penthouse insurance in Ontario often includes higher coverage limits and robust coverage for...

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- Published: 2022-11-22
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/real-estate-office-insurance/
- Categories: Business Insurance

Insurance for Real Estate Offices in Ontario We all want a place to call home, and real estate professionals play a considerable role in making their client's dreams come true by guiding them through buying and selling property. The real estate industry involves a lot of specialized knowledge and requires you to get out of the office and venture into new places regularly—but you still need an office base to operate from. Running a brokerage exposes you to some financial risks that the right Ontario real estate office insurance can mitigate. The experienced team at Morison Insurance has the skill and knowledge to find the best real estate office insurance coverage options for you. Rest assured, you have financial protection against paying out-of-pocket expenses related to property damage and liability. What is Ontario Real Estate Office Insurance? Ontario real estate office insurance, also called brokerage insurance, is a variety of business insurance designed to offer protection against financial loss for the specific perils your business is most likely to be subjected to. It's tailor-made to fit your unique insurance requirements for property damage and liability issues. Everyone experiences mishaps and misfortune in their lives at some point or another. Real estate office insurance allows you to rest easy, knowing that when it happens to you, you won't suffer severe financial losses and can quickly get your business back on track. It protects the significant investment of time, money and effort you've put into starting your brokerage and building it up...

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- Published: 2022-11-17
- Modified: 2025-03-24
- URL: https://staging.morisoninsurance.ca/home-insurance/chalet-insurance/
- Categories: Home Insurance

Ontario Chalet Insurance Whether you love fishing and boating at the lake every summer or can't wait to strap on your skis and hit the slopes when the snow starts falling, there's no doubt that having a secondary holiday home such as a chalet is a huge asset to your entire family. Like any important asset you've invested your money and effort into, it's critical to ensure you have the protection against financial loss afforded by the right Ontario chalet insurance. Ontario insurance brokers at Morison Insurance are here to help. Our team has the experience and skill to tailor your chalet insurance coverage perfectly to meet your unique needs and offer you solid protection against financial loss related to your specific risk exposures. What is Ontario Chalet Insurance? Also called seasonal home insurance, secondary property insurance or holiday lodge insurance, Ontario chalet insurance is a type of property insurance or personal insurance designed to address the coverage requirements of holiday chalet owners. While what is covered will depend on your specific needs and wants for chalet insurance, Ontario property owners can count on standard coverage for property damage and contents coverage along with the additional coverages they may wish to consider, such as coverage for watercraft, outbuildings, personal liability and more. Who Should Have Chalet Insurance in Ontario? Anyone who owns an Ontario chalet needs the peace of mind that comes with knowing their holiday home investment is fully protected with Ontario chalet insurance. They won't have to pay...

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- Published: 2022-11-15
- Modified: 2024-10-08
- URL: https://staging.morisoninsurance.ca/business-insurance/ice-cream-shop-insurance/
- Categories: Business Insurance

Insurance for Ice Cream Shop Owners in Ontario Ice cream is absolutely a necessity in many people's lives—we're screaming for it, after all! But running an ice cream shop is not as simple as just spending all day scooping delicious frozen treats and trying to balance those scoops on a cone. As a business owner, you need to balance much more than that. From managing your employees and pleasing your customers to ensuring your ice cream shop has the financial protection necessary to withstand the cost of disasters that could damage your property and inventory, as well as lawsuits that could arise from liability risk exposures. That's why Ontario ice cream shop insurance is so important. The right Ontario ice cream shop insurance policy from the qualified brokers at Morison Insurance gives you the peace of mind that comes with knowing you won't be forced to pay out-of-pocket for expenses such as damage restoration, stock replacement, legal defence fees and settlement costs. What is Ontario Ice Cream Shop Insurance? An Ontario ice cream shop insurance policy is a specific type of business insurance policy that is tailored to the needs of your particular business—not just for ice cream shops in general, but for your one-of-a-kind ice cream parlour. When the right Ontario ice cream shop insurance backs them, business owners can get financial assistance to cover a wide range of unexpected expenses. The expenses range from recovery after a disaster such as a fire or a flood to the cost...

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- Published: 2022-11-03
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/orthodontist-office-insurance/
- Categories: Business Insurance

The Right Orthodontist Office Insurance in Ontario As someone who provides orthodontic care, you do important work repairing and maintaining your clients' oral health and appearance. Your dental services are essential, which is why ensuring you have the right orthodontist office insurance is so important. You can keep providing orthodontic treatment to the clients who rely on you, regardless of the unexpected expenses that have popped up over the years. What is Orthodontist Office Insurance? Ontario orthodontist office insurance is a type of business insurance specifically tailored to suit the individual insurance needs of an Orthodontist. The exact types of coverage and limit amounts can vary widely from policy to policy, for a good reason—your orthodontic practice is one-of-a-kind, so you need unique Ontario orthodontist office insurance that covers you against all the perils you and your business are most likely to run into throughout your business operations. Business insurance such as Ontario orthodontist office insurance is designed to protect you from the potentially devastating financial consequences of events such as fire, natural disasters and theft, as well as the costs associated with having a lawsuit brought against you for specific reasons such as third-party bodily injury or property damage. Without the financial protection of Ontario orthodontist office insurance, you could be stuck paying out of pocket for the astronomical costs associated with such events and lawsuits, like water or fire damage mitigation, equipment replacement, legal defence fees and much more. Who Should Have Orthodontist Office Insurance? Any office or...

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- Published: 2022-10-26
- Modified: 2024-10-08
- URL: https://staging.morisoninsurance.ca/business-insurance/coffee-shop-insurance/
- Categories: Business Insurance

Coffee Shop Insurance Coverage for Business Owners Caffeine makes the world go 'round, so it's hardly surprising that a stop at the local coffee shop is essential for many people to help them get their day started on the right foot. To the uninitiated, running a coffee shop may seem pretty straightforward—pour a cup of coffee, bag a muffin and let the revenue roll in. But in reality, it's a lot more complicated than that. Coffee shop owners have a lot to juggle daily, including liability exposure and the possibility of a destructive event such as a fire or an equipment failure. Your coffee shop is unique, and your Ontario coffee shop insurance policy needs to be unique to reflect your particular insurance needs and the risks you are exposed to. The experienced team of brokers at Morison Insurance can take some of the burden off your shoulders by finding the perfect combination of coffee shop insurance coverages to ensure you have financial protection against all the perils you're most likely to encounter while running your business. What is Coffee Shop Insurance? Ontario coffee shop insurance is a type of business insurance policy tailored to meet the insurance needs of coffee shops in general, but more importantly, your specific coffee shop. It offers protection against financial losses caused by insured events that are listed or not explicitly excluded on your policy, depending on your insurance policy. What's covered also varies from policy to policy, but in general, having Ontario coffee...

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- Published: 2022-09-29
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/ottawa/tenant-insurance/

Personal Tenant Insurance in Ottawa As a renter, you don't need to worry too much about property insurance coverage because you don't own property—or at least, that's a common assumption. It's not completely accurate, though. You may not own a house or piece of land, but you have belongings that would be difficult to replace upfront if they were lost or seriously damaged. You also have the same personal liability risks that everyone faces, and need financial protection in the event that you are held liable for causing property damage or bodily injury to someone else. Getting the right Ottawa tenant insurance policy in place with help from experienced Ottawa insurance brokers gives you peace of mind knowing you are protected from financial loss caused by a wide range of risks. What is Ottawa Tenant Insurance? Ottawa tenant insurance, which is also called renters insurance, is a type of property insurance tailored to the needs of renters in Ottawa, Ontario. It protects tenants from paying out of pocket to repair or replace their belongings following an insured loss caused by factors such as theft, fire and natural disasters. But it also provides coverage for expenses incurred if you are forced to evacuate your home for a period of time so damage restoration can be carried out, such as hotel and food costs. Finally, it offers you personal liability coverage so you can recoup expenses such as legal defence fees, medical bills, repair or replacement for damaged property and more if...

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- Published: 2022-09-27
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/doctors-office-insurance/
- Categories: Business Insurance

Business Insurance for Doctors' Offices Health care practitioners play a critical role in our society. Everyone needs medical services at some point in their lives, and we want to know that a qualified doctor will be there for us when the time comes and we suffer injury or illness. In order to do that, doctor’s need a place to operate their practice—but running a doctor's office exposes them to a number of risks that could result in devastating financial setbacks without the necessary protection of a robust Ontario doctors' office insurance policy. There's no need to lose sleep at night wondering what would happen if your office facility burned down in a fire, or how you would manage if you were hit with a lawsuit for bodily injury or property damage that is not covered by your professional liability insurance. Speak with the team of experienced brokers at Morison Insurance to get started on a quote for doctors' office insurance that is perfectly tailored to meet your unique insurance requirements and provide coverage for the perils you are most likely to come across in your professional life. What is Doctors' Office Insurance? Doctors' office insurance, also called medical business insurance, is a combination of insurance coverages designed to protect you from financial loss in a wide range of possible events or scenarios that fall outside of your medical malpractice coverage. Business insurance for doctors' offices comes in two broad categories: general liability coverage and property coverage. Business liability coverage on...

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- Published: 2022-09-23
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/barber-shop-insurance/
- Categories: Business Insurance

Barber Shop Insurance for Barbers and Haircutters in Ontario Barbers do more than just make their clients look good—they provide a personal and very important service that helps to make a big difference in how their clients feel about themselves and how they approach the world. But because it's necessary for barbers to come into contact with their clients, they are exposed to a number of liability risks that could result in time-consuming, very costly lawsuits. With the financial protection afforded by the right Ontario barber shop insurance, you get peace of mind knowing you won't suffer major financial losses if someone alleges you caused bodily injury or property damage. There are also risks that are unrelated to liability but can still result in devastating financial loss. If your commercial space or tools are damaged or destroyed by factors such as theft, fire, vandalism or natural disasters, you need financial assistance so you can restore the property, replace missing tools and get back to work as soon as possible. Anyone can be subjected to the factors that cause sudden loss or damage, and Ontario barber shop insurance is the protection you need to get back on your feet and do what you do best. What is Barber Shop Insurance? Barber shop insurance is a type of business insurance policy that is tailored to offer financial protection for the types of perils barbers are most likely to encounter in their professional lives. It is typically composed of several coverages that fall...

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- Published: 2022-08-23
- Modified: 2025-02-19
- URL: https://staging.morisoninsurance.ca/business-insurance/flooring-contractor-insurance/
- Categories: Business Insurance

Business Insurance for Flooring Contractors in Ontario The work that flooring contractors do is often overlooked—and not just because it's all the way down there at floor level. But as much as we may take our floors for granted, they are an absolutely crucial component of any building that we simply can't live without, and a beautifully-installed floor can make a world of difference in enhancing the overall design aesthetic of a room. Flooring has some very important protective functions, and as important as it is for a subfloor to be protected with the right covering, it's just as critically important for a flooring business to have the financial protection that is afforded by the right Ontario flooring contractor insurance. Every type of business needs insurance coverage to protect against financial loss related to common risks, and flooring contractors are no exception. However, there's no one-size-fits-all option for insurance—the contractor insurance policy that provides adequate coverage to a drywaller or landscaper isn't necessarily going to be a perfect fit for a floor installer, because you have different levels of risk exposures. Even among flooring contractors, your insurance requirements might vary quite a bit from the next company's because the way you choose to operate your particular business is unique. That's why you need an experienced broker from Morison Insurance to find you an Ontario flooring contractor insurance policy that is tailor-made to suit your unique insurance requirements. What is Ontario Flooring Contractor Insurance? Everyone is exposed to some level of...

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- Published: 2022-08-19
- Modified: 2024-10-08
- URL: https://staging.morisoninsurance.ca/business-insurance/hair-salon-insurance/
- Categories: Business Insurance

Insurance for Hair Salon Owners and Hair Stylists in Ontario Hair is one of the very first things that we tend to notice about others, and some people are willing to go to great lengths to ensure their hair is absolutely perfect. The right hairstyle can make a huge difference in how we feel about ourselves and give us the ability to go through life with confidence, knowing we're looking our very best. In a similar sense, the right Ontario hair salon insurance provides hair stylists and salon owners with the confidence to deliver their services, knowing they are protected against serious financial losses in the event that something goes wrong. There is no such thing as a one-size-fits-all solution when it comes to insurance. Each individual chooses to run their business and provide services in their own unique way, which means they need unique hair salon insurance coverage that addresses the common risks they are most likely to encounter in their professional life. The licensed brokers at Morison Insurance have the experience and expertise to track down the best options for your hair salon insurance and give you clear recommendations so you can make an informed decision about insurance protection for your hair stylist operations. What is Ontario Hair Salon Insurance? Insurance is absolutely necessary for any type of business, and those working in the beauty industry are exposed to special risk factors because their work involves being in close contact with clients and altering their appearances. Ontario Hair...

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- Published: 2022-08-17
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/fine-art-insurance/
- Categories: Home Insurance

Insurance for Fine Art Collectors in Ontario Fine art is a financial investment that can also be incredibly personal and nostalgic. It has the power to move us emotionally, which puts it in a different category than other, more pedestrian items in our homes. Whether you’ve got a new collectors’ piece that is the envy of the art world or you are particularly attached to a certain piece of art for sentimental reasons, you want to know that you can at least recoup the financial loss in the event of a disaster such as fire, flood or theft. That’s why fine art insurance is the investment you need to protect your investment. Rely on the experienced fine art insurance brokers at Morison Insurance to seek out the right coverage so you can rest easy knowing your fine art collection is backed with solid protection against financial loss. What Is a Fine Art Insurance Policy? A fine art insurance policy is specialized protection for valuable fine art, including sculptures, statues, memorabilia, sports collections, antiquities and other items or collections. Fine art insurance is not one-size-fits-all; it is carefully curated to the specific requirements of individual art owners. Fine art insurance is security for prized art against losses such as fire, theft, accidental loss, accidental damage, natural disasters, shipping and more. If your fine art is damaged, destroyed or lost due to a peril that is covered by your fine art insurance policy, you are eligible to file a claim and receive...

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- Published: 2022-07-25
- Modified: 2025-03-19
- URL: https://staging.morisoninsurance.ca/personal-insurance/yacht-insurance/
- Categories: Recreational Insurance

Yacht Insurance Ontario You know luxury and peace of mind if you are a yacht owner. You are familiar with the pleasures of cruising: fresh breezes, open water, blue sky, sunshine, tranquillity, independence, and so, so much more. Whether your yacht is for sailing, cruising, or being used for water sports, you will want to be sure you and your superior watercraft are protected with the right yacht insurance. Ontario yacht insurance can cover you and your watercraft in case of losses or claims such as damage in an accident, theft, fire, liability issues, and more. We are here to explain important considerations when insuring your luxury yacht. Having the right yacht insurance can vastly improve a rough day on the water when problems arise. What Is Yacht Insurance? Yacht insurance is protection for your superior watercraft. It can include physical or property damage and liability coverage protection on your boat, whether on the water, docked or on land. It is also insurance in case of collision, theft, fire, and other risks. Yacht insurance is a boat insurance policy tailored to your luxury watercraft. When you contact an expert insurance broker about yacht insurance, you will be asked about your watercraft, including its size, value, condition, use, and how often you use it. These details, and others, enable the broker to get you a yacht insurance quote that is tailored to your specific needs. Is Yacht Insurance Mandatory? No, there is no law in Ontario requiring owners to insure their...

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- Published: 2022-07-20
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/personal-insurance/wood-stove-insurance/
- Categories: Home Insurance, Recreational Insurance

Insurance for Wood Stoves and Gas Fireplaces in Ontario There's nothing quite like gathering the family together around a crackling fire to watch the flames dance and enjoy the heat while snowflakes drift to the ground outside. What could be more Canadian than a roaring fire, a set of flannel pyjamas and a Double-Double? But all that charm, nostalgia and cozy warmth does come with a potential downside—it can increase the risk of injury and devastating property damage if the proper precautions aren't followed. If you have a solid homeowners insurance policy that includes wood stove insurance or gas fireplace insurance coverage, you can rest easy knowing you are protected against financial losses in the event of an accident or disaster in your home. What Is Wood Stove Insurance and Gas Fireplace Insurance? Ontario wood stove insurance and gas fireplace insurance are not standalone policies but rather additions to a home insurance policy that your insurance provider may require to provide homeowners insurance. As we all learned very early on in life, fire can be very dangerous—and lighting a fire inside your home raises the risk of property damage, injury and in severe cases, even death. Because of the increased peril, it makes sense that insurers may be wary of providing coverage for homes that feature a wood stove or fireplace. However, Ontario wood stove insurance and gas fireplace insurance are available with a few potential caveats. Whether you are purchasing a home that includes a wood stove or gas...

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- Published: 2022-07-18
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/personal-insurance/snowboard-equipment-insurance/
- Categories: Recreational Insurance

Snowboard Equipment Insurance for Winter Fun in Ontario There's nothing quite like flying down the slopes on a snowboard, breathing in crisp, cold, alpine air and skimming over a pristine layer of fresh powder. By the time you reach the bottom of the run, all you can think about is getting back up to the top to do it all over again. Your snowboard and the gear that goes along with it are your ticket to experience that exhilaration over and over again on snowboarding adventures all winter long—but certain perils could bring your cold weather fun grinding to a sudden halt. You can't go snowboarding without a snowboard, so if your recreational investment is stolen or rendered unusable, it represents both a disappointing financial loss and the loss of your ability to enjoy all that Ontario's winters have to offer. You don't have to take that risk if you have the right Ontario snowboard equipment insurance to help you recover the cost of repair or replacement for your snowboard and snowboarding gear. What is Snowboard Equipment Insurance? Ontario snowboard equipment insurance is a type of personal insurance that offers insurance coverage for your snowboard and related gear up to the coverage limits listed on your policy. If your snowboard equipment suffers an insured loss, your insurance company will provide funds to repair or replace it with a new one. Imagine you try a new jump and land too hard at the wrong angle, cracking your board right down the...

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- Published: 2022-07-14
- Modified: 2024-12-04
- URL: https://staging.morisoninsurance.ca/personal-insurance/ski-equipment-insurance/
- Categories: Recreational Insurance

Ski Equipment Insurance for Ontario Sports Enthusiasts One of the best things about living in Ontario is all the opportunities to get out and explore a magical winter wonderland in the cold months. As soon as the snow flies, Ontario ski enthusiasts are dusting off their skis and making plans to hit the slopes as soon as possible. Whether you're heading straight for the black diamond runs or sticking with the safety of the bunny hill, it makes sense to consider protecting your skis and accessories with Ontario ski equipment insurance. What is Ski Equipment Insurance? Ontario ski equipment insurance protects you from the sting of property loss if your pair of skis or other parts of your equipment is broken or lost due to factors such as theft or another type of insured loss. If you challenge yourself to take on a new trail that you've never done before and end up in a pile at the bottom of the hill with a broken ski, or you leave your brand-new pair of skis outside while you're getting a hot chocolate and someone walks off with them, it can turn your entire vacation into a disaster. With the right Ontario ski equipment insurance from the experienced brokers at Morison Insurance, your insurance company will cover the repair or replacement cost up to your policy limit in the event of physical damage, theft or other insured losses. When your gear is protected by ski equipment insurance, it enables you to get...

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- Published: 2022-07-11
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/watch-insurance/

Ontario Luxury Watch Insurance A luxury watch is so much more than a time tracker. Some luxury watches are cherished heirlooms with significant nostalgic value. Others are investment pieces of unrivalled quality, style and engineering prowess. Perhaps your timepiece is all of the above. Whatever type of watch you own, we are here to help you ensure it is properly protected. If your luxury watch is stolen or lost, for example, having the right watch insurance protection can be essential. What Is Watch Insurance? Luxury watch insurance is protection for your high-value watch. In the world of insurance, a watch is considered jewellery. A standard home insurance policy covers jewellery, which includes watches; however, coverage is limited, often to about $5,000. If you own an expensive watch, such as a Rolex, Patek Philippe, Breitling or Omega, a standard home policy likely will not cover your watch to its value. You can increase jewellery insurance protection to get extra coverage under your residential policy by purchasing an additional line of coverage, often called a scheduled article or a jewellery rider. This enables you to get the appropriate protection for a high-value watch without the use of your policy deductible. It can be a good protection option. Regarding specifics, watch insurance protection can include numerous perils from theft to loss, depending on how it is insured. Expert advice from an insurance broker is recommended to ensure appropriate protection. Is Watch Insurance Worth It? Yes, watch insurance is well worth purchasing to protect...

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- Published: 2022-07-05
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/personal-insurance/outbuilding-insurance/
- Categories: Home Insurance

What is Outbuilding Insurance? Outbuilding insurance is protection for private structures detached from your home. Outbuildings can include sheds, garages, pools, decks, and more. Outbuilding insurance is part of your home insurance, and limited coverage is included in your residential policy. In insurance terminology, outbuilding insurance is part of Coverage B of a home policy. There are situations, however, when you may need more coverage for outbuildings than what is provided in a standard home policy. Speaking with an insurance broker is the best bet to determine the right outbuilding insurance for your individual situation. What is Considered an Outbuilding? An outbuilding is a detached private structure on your property. Common structures that are considered outbuildings include sheds, garages, pools, pool houses, fences, gazebos, greenhouses, decks, storage buildings, guest houses, granny flats, boathouses, and more. Outbuilding insurance can protect these. Should I Insure My Shed or Outbuilding? Yes, you should insure your detached structures, including sheds. You likely store items in these outdoor structures such as a lawnmower, bicycle, or patio furniture, so in the event of a loss, you will want to ensure your contents are protected. In most cases, you do not need a stand-alone policy to insure your outdoor structures because outbuilding insurance is provided under Coverage B, the detached private structures portion, of your home policy. Does My Home Insurance Cover Outbuildings? Yes, your home policy does include outbuilding insurance under Coverage B, the detached structures portion of your homeowner policy. Coverages provided in Coverage B...

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- Published: 2022-06-20
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/optometrist-insurance/
- Categories: Business Insurance

Optometrists Insurance in Ontario As an optometrist, you care for a part of the body that most people can't imagine living without. Eye health is critical to our quality of life, so the work you do is indispensable for helping to ensure your patients' overall health and happiness. At the same time, your optometry practice leaves you open to a wide range of legal risks that could result in staggering financial penalties—whether or not you actually did anything wrong. You deserve to have the professional peace of mind that comes with knowing your comprehensive Ontario optometrist insurance will protect you from being hit by sudden financial loss, and that you'll be able to recover quickly in the event that something goes wrong. What is Optometrist Insurance? Regardless of how careful and conscientious you are in your work life, there's always the potential for an unexpected problem that you couldn't possibly have foreseen or prevented—and the financial effects of those problems can be absolutely devastating. Depending on your specific Ontario optometrist insurance policy and which broader coverage options you choose to include, your optometrist insurance will protect you against paying out of pocket for legal costs, settlements, medical bills, property damage restoration, cyber attacks and more. Some types of enhanced coverage can also help you with the cost of keeping your business in operation while you recover from a disaster such as a fire, or extend your coverage for humanitarian volunteer work overseas. Is Ontario Optometrist Insurance Mandatory in Ontario? Licensed...

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- Published: 2022-06-08
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/chiropractor-insurance/
- Categories: Business Insurance

Business Chiropractic Coverage for Ontario Chiropractors As a medical professional, the chiropractic care you provide to your patients greatly benefits their health and can dramatically improve their quality of life through pain relief or even elimination. Your services are necessary and valued, so it's critically important that you have the right chiropractor insurance for your clinic or practice to ensure you can keep providing healthcare services regardless of what interruptions life tries to throw your way. Should you encounter a disaster like a fire or flood, lose access to your equipment, become the victim of crime or find yourself dealing with other unfortunate circumstances, your chiropractor office insurance policy will help you recover the associated expense so you can get back on your feet as quickly as possible. Please speak to an experienced Broker at Morison Insurance to find out more about the business insurance we can offer you for chiropractic office in Ontario. What is Ontario Chiropractor Insurance? Business insurance for a chiropractic office is designed to protect you against financial loss in a situation that could threaten your livelihood. What specific types of coverage are included with chiropractor office insurance depends on what you need and want as part of your unique chiropractor office insurance package. If you don't have adequate insurance coverage in place, you could be forced to pay out of pocket for staggering costs such as settlements and medical expenses if someone slipped and hurt themselves walking into your clinic or equipment replacement expenses if...

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- Published: 2022-06-06
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/personal-insurance/seadoo-insurance/
- Categories: Recreational Insurance

Enjoy Worry-Free Fun on the Water With the Right Seadoo Insurance for Ontario Watercraft Enthusiasts There's nothing quite like hitting the water to zip around on a personal watercraft (PWC) such as a Seadoo, Waverunner, or Jet Ski that is covered by the right Seadoo insurance. Ontario's beautiful lakes and waterways are just begging to be explored, and a Seadoo is an ideal way to get up close and personal with nature while cooling down on a hot summer day. But for true relaxation, you need the peace of mind that comes with knowing you are protected from financial loss in the event that property is damaged or someone gets hurt. And for that, you need to call our trusted insurance brokers to get a Seadoo insurance quote. The team of experienced brokers at Morison Insurance are local, so they are very knowledgeable about all the ins and outs of what Ontarians need from their personal watercraft (PWC) insurance in Ontario. You can rely on us to seek out the best possible combination of coverages to ensure that you are protected against whatever comes your way, on and off the water. Contact us today to get the Seadoo insurance Ontario residents deserve. What is Seadoo Insurance? Ontario Seadoo insurance is a type of insurance coverage designed to protect you from financial loss if something goes wrong while you are using your Seadoo, Jet Ski, Waverunner, or other type of personal watercraft. If you are involved in an accident where someone...

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- Published: 2022-06-06
- Modified: 2022-09-15
- URL: https://staging.morisoninsurance.ca/join-team/

Join Our Award-Winning Team At Morison Insurance we support each other. Our goal is to provide staff with a great work environment, to work hard for our customers, and to have fun while we do it. We have been named Ontario’s #1 Insurance Brokerage by the Insurance Brokers Association of Ontario and every year we have won awards in the communities we serve. We are 80+ insurance professionals with hundreds of years of insurance know-how and professionalism. Join our terrific team. We promise a career of life-long learning, challenges and team support. Current Opportunities We don't have any new opportunites at the momment.

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- Published: 2022-05-17
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/property-management-insurance/
- Categories: Business Insurance

What Is Property Management Insurance? Property management insurance protects professional property managers against legal claims from property owners and tenants. There are numerous reasons why a property manager can have lawsuits filed against them, ranging from negligence to discrimination, and Ontario property management insurance covers the legal and court fees that come along with a lawsuit to ensure a property manager doesn't have to pay out of their own pocket. Don't leave yourself vulnerable to a wide variety of potential claims—an experienced Morison Insurance broker can help you find the best coverage available for property managers in Ontario, so you can have peace of mind knowing you're protected against whatever comes your way. Who Needs Property Management Insurance in Ontario? Everyone who manages a commercial property needs property management insurance. That applies to building owners who manage their own rental properties, as well as a third-party property management business or individual. Because there are so many legal risks inherent in managing real estate assets, a robust property management insurance policy is very important for anyone who is responsible for tasks such as finding new tenants, handling sensitive tenant information and ensuring a building is in safe, livable condition. In short, anyone who is doing the following should be covered by Ontario property management insurance: Renting or leasing residential properties Contracting repair and maintenance services for a rental building Managing any number of properties, from one to dozens Why Is Property Management Insurance Necessary? Because they deal with so much sensitive...

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- Published: 2022-05-13
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/personal-trainer-insurance/
- Categories: Business Insurance

Insurance For Personal Trainers If you are currently working as a personal trainer, or you are ready to get started on a new career journey, you are probably aware of the positive difference your skills can make for people who are interested in improving their health, strength and longevity. Whether you work out of a studio, in a commercial space, in your own home, or travel to meet your clients where they feel most comfortable, you can help people improve their lives and health. However, working directly with clients and advising them on fitness and nutrition leaves you open to legal risks that could affect your ability to keep your business operating. With the right Ontario personal trainer insurance policy, you can rest easy knowing you are protected against paying out of pocket for legal fees, medical expenses, equipment replacement and dozens of other unexpected costs. Your insurance company will reimburse you should you experience a financial loss due to an insured incident. What Is Personal Trainer Insurance? Ontario personal trainer insurance, also known as fitness trainer insurance and personal training insurance, is a form of business insurance that protects your personal training business from financial disaster. While we trust that you are being cautious and understand what you are doing, there is always a risk of injury, no matter how well-thought-out everything is. Without the right personal trainer insurance coverage, you could be forced to pay out of pocket to replace your equipment in the event of a fire...

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- Published: 2022-05-11
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/physiotherapy-insurance/
- Categories: Business Insurance

Insurance for Physiotherapists in Ontario There are numerous benefits of physiotherapy—in fact, it's indispensable to those who suffer from injury or health-related issues such as chronic conditions. Physiotherapists are health professionals who do so much to improve quality of life for their clients. But designing and carrying out treatment plans for patients leaves physiotherapists exposed to potential litigation for a wide range of circumstances, including bodily injury, professional negligence and breach of contract. The right Ontario physiotherapy insurance policy will protect you against legal claims and ensure you don't have to pay out of pocket for legal fees, medical costs, damage mitigation and other unexpected expenses that could derail your career and business success. What is Physiotherapist Insurance? It is a package of insurance coverages that protect physiotherapy practitioners from a wide range of risks. What exactly is covered depends on the individual policy, but it must include at least $5 million in general liability coverage and $5 million in errors and omissions coverage. A professional liability policy protects you against medical malpractice lawsuits, along with costs related to allegations of misconduct, bad advice, breach of contract and more. Commercial general liability coverage protects you against costs associated with third-party bodily injury and property damage. Without Physiotherapist insurance coverage, your livelihood and ability to generate income can be seriously compromised by paying upfront for medical expenses, legal bills, repairing or replacing damaged property and more. Is Ontario Physiotherapy Insurance Mandatory? Practicing physiotherapists or physical therapists (PT) that are actively providing...

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- Published: 2022-04-01
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/dental-office-insurance/
- Categories: Business Insurance

Ontario Dental Office Insurance If you own a dental office, then it's essential that you have Ontario dental office insurance. Not only are you providing a valuable medical service, but you are also running a business. And as a business owner, there are a number of risks that you are exposed to. It only takes one fire, one dissatisfied patient, one broken X-ray machine to put your business in the red. Don't take unnecessary risks. Make sure you have adequate coverage to protect your dental practice from financial ruin. When you are looking for the right insurance for your needs, look no further than the expert team at Morison Insurance. Our licensed, experienced brokers will shop around Ontario's top insurers to find you the best coverage for your needs at a competitive quote. We know that as a medical professional and business owner, it's important for you to have the most comprehensive coverage possible. Our brokers will walk you through the different options available to you and ensure that you are completely satisfied with your insurance policy. What is Dental Office Insurance? Essentially, dental office insurance in Ontario is a type of business insurance. It comprises different coverages that protect a range of perils. In its most basic form, dental office insurance typically includes commercial general liability coverage and commercial property coverage. The former helps protect you from lawsuits alleging third party bodily injury or property damage. An example of this could be if a patient enters your office while...

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- Published: 2022-03-14
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/arborist-insurance/
- Categories: Business Insurance

Protect Your Tree Care Business With the Right Tree Removal Insurance & Arborist Liability Insurance There are many benefits of being a tree expert. Perhaps you work for a large company and get to spend your days enjoying the beautiful weather outdoors. Or maybe you're a business owner, and get to feel empowered as an entrepreneur, taking the jobs you want to take and making a name for yourself as a tree service company. However, as any arborist knows, there are many dangers related to your line of work. Anytime you climb up a tree or use power tools to trim and shape a client's landscaping, there is a chance that something could go wrong. Even the most experienced and well-practiced arborists can make a mistake from time to time. Not to mention, if a third-party is near your worksite while felling trees, there is a chance that they could get hurt or that property could get damaged. It's all too common for tree branches to fall on cars or to go through windows. Having the right arborist insurance in Ontario is essential for protecting you and your business from financial ruin due to a lawsuit or injury. With the expertise of a trusted Morison Insurance broker, you can ensure that you and your business get the protection you need with comprehensive arborist insurance coverage. No matter if you spend your days removing diseased branches or focus on tree trimming service, with the right insurance for arborists, you’ll have peace...

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- Published: 2022-03-07
- Modified: 2025-05-28
- URL: https://staging.morisoninsurance.ca/business-insurance/photographer-insurance/
- Categories: Business Insurance

Get Photography Studio & Equipment Coverage Options in Professional Photographer Insurance As a professional photographer, no day looks the same in your line of work. Whether you spend the summers making the most of wedding season, prefer to shoot elopements in far-off destinations, or have a busy photography studio and spend most of your time doing family photos or commercial work, your job is a fine balance between the creative and the practical. On the one hand, you get to craft beautiful images that tell a story and make your clients happy. Conversely, you have to balance the logistics of running a business and all the risks and liabilities that come with it. While you offer a valuable business, from capturing special memories to providing key assets in a marketing campaign, you’re also at risk of a wide range of perils. It’s common for photographers to be caught up in issues like dealing with stolen photography equipment, breaking the news to a client that all their baby’s newborn photos were lost due to corrupted memory cards, and more. That’s why having the right photographer insurance in Ontario is essential. With the expertise of your trusted broker at Morison Insurance, you can have peace of mind knowing that you and your business are protected with the right insurance for photographers. Protect yourself in the event of an accident or damaging allegation with comprehensive liability, property, auto, and photography equipment insurance Ontario business owners may need, and call us today. What Is...

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- Published: 2022-03-01
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/massage-therapist-insurance/
- Categories: Business Insurance

Massage Therapist Insurance If you work as a massage therapist, then you know how invaluable your skills are. Perhaps you work in a clinic or own a clinic and delight in helping people feel more relaxed in a busy world. Or, maybe you work specifically with sport injuries and help athletes recover quickly. Perhaps you help the elderly maintain and improve mobility as they age. There are many massage therapy treatments that are beneficial to the public. But in offering services that are often in an intimate environment where you are responsible for helping bodies heal, you also open yourself up to a range of risks. However, with the right massage therapist insurance policy you can protect yourself against many of these risks. Your insurance company will help you financially in the event an accident causes you to experience a financial loss. For instance, say a client makes a claim alleging bodily injury because of one of your treatments. With the right massage therapist insurance coverage, you can have peace of mind knowing you're protected from a range of risks. What is Massage Therapist Insurance? Essentially, massage therapist insurance in Ontario is a business insurance coverage package that includes a variety of protections for your massage therapy business. Whether you are a registered massage therapist (RMT) or a non-registered massage therapist, it's essential that you have the right insurance coverage. Without proper coverage, you could wind up in serious financial trouble due to a variety of reasons from lawsuits filed...

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- Published: 2022-02-16
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/vacant-property-insurance/
- Categories: Business Insurance, Home Insurance

Vacant Property Insurance Ontario If you're a homeowner, you likely already have homeowners insurance. If you have a mortgage, then your lender would have required you to purchase homeowners insurance before approving your mortgage. Even if you own your home outright, then it's wise to have homeowners insurance. However, if you own a building that you live in occasionally or lease, and it's empty for a prolonged period, your traditional homeowner's insurance policy likely will not continue to protect the building, and you'll need the added safety net of vacant property insurance. Ontario homeowners need to know that, depending on the insurer and the stipulations in their home insurance policy, it's likely that a vacant building will not be insured if it has been vacant for long enough. That's where vacant property insurance comes in. What Is Vacant Property Insurance? Essentially, if you own a property that is vacant for a set period of time—usually around 30 days—then you need vacant property insurance. Usually, most homeowners insurance policies do not extend to empty buildings. A homeowners insurance policy is meant to protect a home being lived in. Someone is there to cut the grass, shovel snow, pick up the mail, and maintain the building. Meanwhile, many more risks are associated with owning a vacant property because no one is usually around to check on the home and complete routine maintenance for an extended period. While the amount of time a building remains empty until it's considered vacant depends on the...

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- Published: 2022-02-09
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/car-insurance/land-rover-insurance/
- Categories: Auto Insurance

Land Rover Insurance Ontario You have chosen power, luxury and comfort when you drive a Land Rover. Selecting a Land Rover shows that you recognize quality both inside and out. No matter which Land Rover model you drive, it is only fitting to get the best luxury car insurance coverage. Contact an insurance broker specializing in high-end vehicles to help create a customized Land Rover insurance policy tailored to your personal needs. What Is Land Rover Car Insurance? Land Rover insurance secures provides protection for you you and your luxury vehicle in the event of an insured claim. In Ontario, having insurance coverage for your vehicle is mandatory, and certain coverages are required, however, you do have the option to increase those coverage levels, as well as add additional coverages for added protection. Speak to a broker who will work with you to provide the best plan to protect you and your luxury vehicle with the proper protection. How Does Land Rover Insurance Work? Land Rover insurance will help provide coverage for you in the event of a claim. It is mandatory to have insurance when you drive a vehicle in Ontario. If you do not have the proper coverage while driving a Range Rover and damage is done to your vehicle or another, you may end up having to pay out of your own pocket. Specialized brokers are available to help guide you through receiving the best Land Rover insurance. What Does Land Rover Insurance Cover? In the event...

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- Published: 2022-01-04
- Modified: 2024-12-04
- URL: https://staging.morisoninsurance.ca/home-insurance/wine-cellar-insurance/

Wine Cellar Insurance For Your Prestigious Collection Do you love wine? Perhaps you're already a connoisseur and have a well-stocked collection of your favourite cabernets, chardonnays and pinot noirs. Or, maybe you're branching into wine and have started to amass quite the collection. You know wine has to be stored properly to maintain its value, so the natural solution is to put your precious bottles in a wine cellar. Wine is valuable, and often increases in value and complexity with age. The wine you buy now you may not choose to enjoy for another 10 or 20 years—and a wine cellar is only part of the equation to ensure your investment stays safe and palatable. Wine cellar insurance is also important. Adequate coverage ensures that you can rebuild your collection should the worst happen and it is damaged or lost. Here at Morison Insurance, our experienced and licensed insurance brokers will help you find the best wine collection insurance coverage, so you can have peace of mind that your valuable collection will be protected through the years. As an independent brokerage, we have built relationships with Canada's leading wine cellar insurance providers. We always provide unbiased advice that puts your needs first, and we'll never pressure you into making a decision. Whether you're looking for a little extra protection for your budding collection, or want to protect a substantial investment, we can help. Why Do I Need to Insure My Wine Collection? As a responsible homeowner, you will have home...

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- Published: 2021-12-23
- Modified: 2025-06-11
- URL: https://staging.morisoninsurance.ca/business-insurance/accountants-insurance/
- Categories: Business Insurance

Accountant Insurance Ontario Professionals Can Rely On Whether you work as an independent accountant or own an accounting firm, your clients rely on you every day to keep their personal and/or commercial finances in order. Not only is this an important responsibility, but it also opens you up to a wide range of perils. Undoubtedly, you provide a valuable service to your clients and are diligent and excel at what you do. However, whenever finances are involved, even the smallest error or lapse in judgment can have monumental consequences. To mitigate these risks, it's essential that you have the right accountant insurance. Ontario accountants don’t always do the same type of work, so it's important that your unique policy is completely tailored to your specific needs. That way, you can have peace of mind knowing you'll be properly covered in the event of a damaging allegation. Not to mention, whether you work from a home office or own a commercial space, accidents do happen. That’s where your trusted Morison Insurance Broker can help. We’ll help you protect your assets from theft, fire damage, and more with the right insurance policy. What Is Insurance for Accountants? Ultimately, accountant insurance is a type of business insurance package designed for professionals and firms in the accounting business. These insurance plans provide accountants’ professional liability insurance as well as other types of coverage to help protect them against liability claims, losses, and damages arising from unexpected events. While you may have to worry less...

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- Published: 2021-12-23
- Modified: 2025-06-05
- URL: https://staging.morisoninsurance.ca/business-insurance/handyman-insurance/
- Categories: Business Insurance

The Handyman Insurance Ontario Handyman Pros Can Lean On Every homeowner and business owner has a long list of property maintenance, repair, and improvement tasks that they’d like to get done. But of course, not everyone is skilled at or capable of getting all those tasks done correctly and in a timely manner. That’s why the services you provide as a handyman professional are so important for the appeal, comfort, and longevity of our properties. But working on your client’s homes and businesses leaves you vulnerable to a number of legal risks that could have you paying out of pocket for litigation and settlement costs without the protection of the right handyman insurance. Ontario insurance brokers can ensure you have the protection you need to handle your clients' repair and improvement projects: just reach out to Morison Insurance about insurance for handyman businesses. As an Ontario handyman professional, you aren’t just at risk for legal woes, you have commercial equipment, tools, and vehicles that are necessary to deliver your handyman services. If something were to happen to render your commercial equipment unusable, you’d be forced to stop work until the damaged items or property were repaired or replaced, and that can be a costly endeavour if you don’t have access to insurance compensation from a comprehensive handyman insurance policy. With the help of the expert brokers at Morison Insurance, you can get the handyman insurance coverage you need to rest easily at night, knowing you have protection against unexpected expenses...

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- Published: 2021-12-23
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/interior-design-insurance/
- Categories: Business Insurance

Who Needs Interior Design Insurance in Ontario? As an interior designer, you walk the line between creative and practical. By creating beautiful spaces for your clients perfectly suited to their needs, you immerse yourself in the life of said client—whether residential or commercial. While this means you provide a valuable service, it also opens you up to a range of risks. Thus, it's essential to have interior design insurance that's completely customized to meet your business' specific needs. That way, you can rest assured that you'll be properly covered in the event of an accident or damaging allegation. Any individual working in interior design or related fields should be properly insured. No matter how careful and diligent you are, it's impossible to eliminate all risks. However, you can do your absolute best to be prepared in the event of a worse-case-scenario. Protect yourself, and your employees, from unforeseen losses and damages with the right insurance policy. Interior design insurance can be purchased by: Architects Commercial/industrial designers Hospitality designers Interior home decorators Retail space planners Visual merchandisers Home stagers Although it's not a legal requirement, having the right insurance can provide a financial safety net. No matter how lucrative your interior design business is, being hit with an unforeseen lawsuit because a third-party was injured at your worksite, or because your client is accusing you of negligence, can be financially crippling—even if you're not at fault. Also, if you work with commercial clients on larger projects such as retailers and restaurants,...

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- Published: 2021-12-15
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/home-insurance/triplex-duplex-insurance/
- Categories: Home Insurance

Ontario Duplex, Triplex and Fourplex Insurance Made Simple Whether you live in a duplex, triplex or fourplex, your home is very much your castle and you'll want to do everything you can to protect it. After all, your home is your most valuable asset and it's important it's kept safe and sound with the right insurance policy. There are many ways your home can get damaged, whether from extreme weather events such as a lightning strike causing a fire or a flood, or through an accident, such as your teenager backing the car up into the garage. Not to mention, theft and break-ins can create financial loss through irreplaceable possessions being stolen or through damage to your home during the burglary. Suffice it to say, it's important to insure your home. But what kind of insurance do you need for your duplex, triplex or fourplex? Navigating through all the available insurance options can be frustrating and confusing. You shouldn't have to do so alone. Rather, by partnering with a dedicated insurance broker, such as a Morison Insurance team member, you get the best of both worlds: comprehensive insurance ideal for your unique situation, and outstanding customer service that makes you feel like a part of the Morison Insurance family. We've built relationships with dozens of insurance companies, and our brokers will work with them to get competitive quotes with the goal of finding you the best duplex, triplex or fourplex insurance policy possible. Your broker will review the quotes with...

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- Published: 2021-11-24
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/bentley-insurance/
- Categories: Auto Insurance

Bentley Insurance Ontario When you drive a Bentley, you know elegant design and handcrafted luxury. No matter which model you drive, you are sure to turn heads. Bentley's are built to create extraordinary comfort while also maintaining characteristics that make the vehicle classic. When it comes to your luxury Bentley, it is essential to make sure that you receive the best protection available. When you work with an insurance broker specializing in high-value vehicles, you will get the best luxury car insurance coverage for your Bentley. What Is Bentley Insurance? Bentley insurance protects you and your high-quality Bentley in the event of an accident. With the right Bentley insurance policy, financial protection will be in place in the event of physical damage, bodily injury, or liability resulting from an accident. Which Companies Offer Bentley Insurance? Numerous top-rated Canadian insurance companies offer insurance for Bentleys. A dedicated broker will provide multiple quotes from leading companies to provide you with options on which provider and policy are best for you. A broker will do the work for you so you can sit back and relax and ensure you will get the proper protection! Who Needs Bentley Insurance? If you are a licensed driver who owns a Bentley, you need Bentley insurance to protect your luxury vehicle in the event of a loss. In Ontario, it is required by law that you have insurance on the car you are driving. Speak with a dedicated broker who will compare quotes and provide excellent insurance...

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- Published: 2021-11-12
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/car-insurance/jeep-insurance/
- Categories: Auto Insurance

Jeep Insurance When you drive a Jeep, you are making a statement. You have chosen a vehicle with comfort, durability, and incredible style. They are known for being able to handle the most challenging off-road terrains. When you drive a Jeep, you are the commander, and the road is waiting. When you own a high-quality and powerful Jeep, it makes the most sense to want the best Jeep auto insurance coverage. Work with an expert insurance broker who will ensure that you and your Jeep are correctly protected. What Is Jeep Insurance? Jeep insurance is a contract between you and an insurance company designed to protect you and your superior automobile investment. It is mandatory by Ontario provincial law to have auto insurance coverages, but you have the opportunity to increase these mandatory coverages for additional protection. Speak with a licensed broker who will discuss the mandatory and additional coverages to ensure you have the best insurance protection tailored to you and your Jeep. How Does Jeep Insurance Work? In the event of a claim, Jeep auto insurance protects you and your vehicle. Jeep insurance provides many different coverages in the event of an accident, some of which include bodily injury, uninsured coverage, and liability coverage. It is mandatory to have insurance on all automobiles that you drive in Ontario. Without having insurance that adequately protects your Jeep, you will end up paying out of your own pocket when damage is done to your vehicle or when you cause damage...

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- Published: 2021-09-29
- Modified: 2025-04-22
- URL: https://staging.morisoninsurance.ca/business-insurance/landscapers-insurance/
- Categories: Business Insurance

Getting The Best Insurance For Lawn Care Businesses in Ontario Lawncare professionals face many risks completing their daily work on various different job sites. They work with heavy equipment and sharp tools which can result in injuries from workers or third parties, there is a chance for property damage, equipment theft, vehicle incidents, chemical hazards, and more. And although you can take every precautionary step, you can never take those risks down to zero, which is why having a landscaping business insurance policy is crucial. This is where a Morison Insurance broker can help! We will compare policies from Canada’s leading insurance providers to help you get a comprehensive landscaping business insurance quote tailored to your needs. What Is Landscapers Insurance? Lawn care business insurance is a type of contractors insurance policy that provides financial protection in the event of a loss such as accidents, property damage, injuries and legal claims. Landscapers are exposed to many different risks and utilize many different types of tools and machinery, so it is important that they have the proper protection in place. Coverage can be tailored to your specific business needs providing peace of mind knowing that your investment and livelihood is protected. Who Needs Landscaper Insurance in Ontario? If you own a lawn care business, you’re accustomed to the many risks that are associated with your line of work. Not only do landscaping businesses operate heavy machinery on a day-to-day basis, but you also work outdoors, with chemicals such as herbicide, and...

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- Published: 2021-09-29
- Modified: 2024-11-26
- URL: https://staging.morisoninsurance.ca/business-insurance/drywall-business-insurance/
- Categories: Business Insurance

Insurance For Ontario Drywall Contractors Drywall is one of the most common materials for building a home. This is due to its availability, ease and speed of installation, cost-effectiveness, and versatility. However, putting up drywall isn't something that just anyone can do since it requires a very particular set of skills to install properly. That's where you come in. Your skills as a drywall contractor are a very important ingredient in having several houses built. However, installing drywall does come with some risks. For example, a very expensive and specialized piece of equipment that you're using might get stolen or damaged, causing you to need to replace it. There's also the possibility that someone might trip and fall over your equipment and hold you responsible. It's also possible that some after-effects of your work has unintended consequences, such as lots of dust getting into your client's HVAC system, causing problems down the road that you are held responsible for. Luckily, in these circumstances, drywall contractors insurance is there to protect you in such a scenario. What Is Drywaller Insurance? Drywall contractor insurance is a type of contractor insurance that protects drywall contractors from risks such as liability claims from clients, lost or stolen equipment, as well as risks to company vehicles and potentially needing to temporarily shut down. Any of these events could cost a drywall contractor thousands of dollars. Although it is likely that you are doing everything reasonable within your power to lower the risk of these happening,...

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- Published: 2021-09-29
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/business-insurance/janitorial-insurance/
- Categories: Business Insurance

What Is Cleaning Business Insurance? Cleaning business insurance, also known as janitorial insurance or cleaners insurance, is a form of contractor insurance that covers sanitation and custodian companies from many of the financial risks inherent in their line of work. While such work might seem low-risk on the surface, any business owner knows there are plenty of ways their company can lose thousands of dollars from an unforeseen situation. Risks these janitorial companies run vary based on the type of work they do but can include slip and fall accidents, damage to or loss of keys or equipment, damage to their own or a client's building, all risks faced by any company that travels, and many others. This type of insurance for cleaning businesses allows these custodian services to continue to thrive, even when blindsided by an accident. Who Needs Cleaning Business Insurance Coverage In Ontario? If you own a janitorial or cleaning service or work as an independent cleaning contractor, then you should have cleaning business insurance coverage. You are likely familiar with some of the risks in your work. For instance, if you're mopping a floor and someone trips and falls, you may be liable for a lawsuit and have to cover medical expenses. Likewise, if you use a cleaning agent and damage the surface, you could be held legally responsible for property damage if there's a bad reaction. A single accident like this can cause significant damage to any company, especially a small business. It's essential to...

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- Published: 2021-09-24
- Modified: 2025-05-20
- URL: https://staging.morisoninsurance.ca/home-insurance/discounts/
- Categories: Home Insurance

Home Insurance Discounts And Savings Whether you’re a long-time property owner or a first-time homeowner, it is important to protect your investment with the right home insurance. But as the cost of living goes up and you find your budget tightening, you may wonder if you really need that additional coverage. But with the help of our licensed insurance brokers, your homeowners insurance policy will get that much more affordable, and you can continue to get the protection you need, thanks to your qualifying home insurance discounts. Your Morison Insurance broker will find you the right coverage for your home insurance, but we’ll also help you find ways to save on your insurance costs. Whether it’s getting rid of unneeded coverage, having a higher deductible, or finding potential homeowners discounts, our team will ensure you won’t overpay for your insurance. What Is a Home Insurance Discount? A home insurance discount is a chance to save money by reducing your annual home insurance premium. A home insurance discount works similarly to getting a discount at a store: You purchase an item, and if you meet the requirements, you can enjoy cost savings on your purchase. Sometimes, the discount is applied automatically, such as a store-wide savings event, or maybe it only applies to certain products; you need to spend a certain amount to qualify or produce a code or coupon to enjoy the savings. But once you meet the conditions, you save money. Homeowners insurance savings are based on a similar...

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- Published: 2021-09-02
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/car-insurance/nissan-insurance/
- Categories: Auto Insurance

Nissan Insurance In Ontario When you drive a Nissan, you have chosen style and performance. Popular models such as Nissan Altima, Nissan Kicks, Nissan Maxima, Nissan Micra, Nissan Rogue, and Nissan 350z all provide a satisfying amount of power with a high safety rating, while still being responsibly fuel efficient. When a Nissan is made, they are constructed with high-quality materials to endure any type of lifestyle. When it comes to protecting your high-quality, efficient Nissan, you want to get the best car insurance coverage possible. Working with a Morison Insurance broker will ensure you receive the best coverage at a competitive insurance rate. What Is Nissan Insurance? Nissan insurance protects you and your vehicle in the event of a claim. Nissan insurance will provide all mandatory coverages that are required in Ontario. Suppose you need additional coverage to ensure you and your Nissan have the highest level of protection. In that case, you have the option to increase the mandatory coverages or add additional coverages to your insurance policy. Speak to an insurance broker who will provide insurance options and assist in determining the amount of coverage you require. Which Companies Offer Insurance For A Nissan? Many leading insurance companies in Canada offer insurance for a Nissan vehicle. Your best bet is to work with a qualified insurance broker who will work with you to make the process of getting Nissan insurance easier. To help save you time, an insurance broker will compare quotes from Canada’s top insurance companies...

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- Published: 2021-08-27
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/car-insurance/kia-insurance/
- Categories: Auto Insurance

Kia Insurance In Ontario If you own a Kia, you prioritize safety, flexibility, and fuel efficiency in a vehicle. Kia Motors has a long history of making cars and is known for providing exceptional safety features and movement. In addition to providing a relaxing ride, they also provide hybrid/electric vehicles that are better for the environment, allowing you to enjoy the convenience of a car while minimizing your environmental footprint. When you own a car with all of these advanced features, you want to make sure that your vehicle is properly protected. That is why it is essential that you work with an expert insurance broker who will compare prices, provide a wide range of coverages and ensure you get the best car insurance for your Kia. Car insurance can be tricky, but with your Morison Insurance broker, you can get the protection you need with comprehensive insurance for Kia vehicles. Our team will comb through hundreds of policies to ensure you get the Kia car insurance coverage you need at a price you can afford. Whether you’re a first-time Kia owner or you’ve never bought another brand of vehicle, we’ll get you the insurance policy you need for your Kia insurance. What is Kia Insurance? Kia insurance is a specially designed type of car insurance for Kia vehicles that aims to protect you and your car in the event of an accident or claim involving the insured vehicle. In Ontario, there are mandatory auto coverages that are required by...

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- Published: 2021-08-09
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/car-insurance/lexus-insurance/
- Categories: Auto Insurance

Lexus Insurance When you own a Lexus, you know that you are making a statement. They are very powerful and sleek vehicles, with new improved safety and technology features. Lexus’ are luxurious vehicles continuously working towards more innovative technology such as self-charging cars and are expanding into the electric market. Working with an insurance broker who specializes in luxury car insurance will ensure you and your Lexus are protected properly. What Is Lexus Insurance? Lexus insurance protects you and your high-value car. Your Lexus insurance will provide the mandatory auto insurance coverages for your Lexus vehicle that are required by Ontario law to ensure you are protected in the event of a claim. You have the option to increase those mandatory coverages and to add additional benefits and coverages to ensure your Lexus is protected. Which Companies Offer Lexus Car Insurance? There are numerous Canadian insurance companies that offer insurance for Lexus vehicles. To help save time and to make the process easier, you can work with an experienced insurance broker. Your dedicated insurance professional will provide multiple customized quotes from leading insurance companies and will personally work with you and provide guidance when determining which insurance coverage and insurance provider is best tailored to your lifestyle and type of vehicle. Work with Morison Insurance brokers and guarantee that you are properly protected! What Does Lexus Insurance Cover? In Ontario, it is required by law to have auto insurance, no matter what kind of vehicle you drive. The mandatory auto...

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- Published: 2021-08-05
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/car-insurance/honda-insurance/
- Categories: Auto Insurance

Honda Insurance When you drive a Honda, you know you have chosen good performance, quality, and comfort. Honda vehicles have been the best-selling car in Canada for decades. No matter which model you drive - Honda Accord, Honda Civic, Honda CR-V, Honda Fit, or others - they are known for providing calm rides as well as being durable and good on fuel. The driver is the commander, and the road awaits. As a Honda owner, it just makes sense to get the best car insurance for your vehicle. What Is Honda Insurance? Honda insurance is a contract that is made between you and an insurance company. This contract protects you and your vehicle in the event of an accident or claim involving the insured vehicle. In Ontario, it is required by law to have specific insurance coverages on your vehicle. Still, you can choose to increase those mandatory coverages or add additional coverages that help protect you and your vehicle. Which Companies Offer Honda Insurance? In Ontario, countless different insurance companies offer insurance for a Honda vehicle. To help save you time, work with an experienced insurance broker that will compare dozens of quotes from leading insurance companies. A broker will provide personal service and assist you in determining which insurance coverage is best tailored to your lifestyle. They will ensure you have peace of mind that you receive the best insurance for your Honda. What does Honda Car Insurance Cover? In Ontario, no matter what kind of vehicle you...

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- Published: 2021-07-15
- Modified: 2022-09-15
- URL: https://staging.morisoninsurance.ca/king-city/
- Categories: Areas Served

King City Insurance Brokers Have you been looking for an award-winning insurance brokerage to design an insurance policy that properly protects your King City home and car? Morison Insurance is here for you! Here at Morison, we provide home insurance and auto insurance, as well as a wide range of insurance products. No matter what you want to insure, our team has got you covered! As a family-owned and operated company, we make sure that every customer is treated as family. It is our privilege to look after all your insurance needs and to welcome you to the Morison Insurance family. King City Home and Auto Insurance For various reasons, countless people in King City and neighbouring communities trust Morison Insurance. All of our insurance brokers are devoted to serving each and every one of our customers. We make every effort to provide everyone with incomparable customer service, the best insurance coverages, and insurance expertise. If you need any type of insurance, Morison Insurance has got you covered. As soon as we hear from you, we get to work on finding you the best insurance options. We make certain to understand all of your needs and will get you multiple quotes personalized to you and your lifestyle. We will go through the quotes together and will provide you with our expertise and advice. Our goal is to provide every customer with the best insurance coverage. We are here and ready to help- always! Why Choose Morison to Insure Your King...

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- Published: 2021-07-13
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/guelph/
- Categories: Areas Served

Looking For A Guelph Insurance Broker? Have you been looking for a top-rated insurance brokerage to help walk you through your insurance needs? Well the search is over! Morison Insurance proudly provides outstanding insurance and professional service to the Guelph market and beyond. Morison Insurance is a family-owned insurance brokerage that has been operating for more than a century. We provide a wide range of insurance products to ensure you have the best insurance coverage. We work with more than a dozen of the most respected insurance companies in Canada to make sure we meet all of your insurance needs. Being a provincial and national award-winning insurance brokerage, Morison Insurance makes getting insurance for your Guelph home and car easy. Guelph Home and Auto Insurance Everyone deserves remarkable customer service and here at Morison this is something we strive to provide. If you need Guelph home and auto insurance, we are here for you. When joining our family, we make sure to look after you and all of your insurance needs. We do this by making it easy to get insurance coverage and by looking for different ways to save you money however we can. At Morison Insurance, our customers are our top priority. Each and every customer has a dedicated broker who will personally look after all of your insurance needs whenever you need. Here at Morison Insurance, we are a family of brokers who treat every customer as part of our family. Why Choose Morison To Be Your...

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- Published: 2021-07-06
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/ottawa/car-insurance/
- Categories: Auto Insurance

Ottawa Car Insurance Are you looking for the best Ottawa car insurance? Our award-winning brokerage serves Ottawa and its neighbourhoods of Sandy Hill, The Glebe, Westboro, Rockcliffe, Kanata, Nepean, Gloucester, and beyond. We will quickly get you several competitively priced car insurance quotes, each with coverages tailored to your needs. Comparing quotes is fast and easy with an Ottawa insurance broker, and ensures you get well-priced auto insurance protection. We understand that each of our clients has different needs and different budgets. We also have experience in dealing with a wide range of clients, and know how to balance their needs and budget to get them the best rates and coverage possible. Car insurance is protection for you and your vehicle in case of physical damage or bodily injury. Auto insurance is a contract between an insurance company and an insured where the company agrees to pay for losses laid out in the auto insurance policy. Do I Need Car Insurance In Ottawa? Yes, just like in the rest of Ontario,auto insurance is required in Ottawa. Ontario law states that vehicle owners must have auto insurance with accident benefits coverage, third-party liability coverage, direct compensation property damage coverage, and uninsured automobile coverage. There are additional coverages you can get that are optional. If you want to purchase increased coverages or additional insurance options for your vehicle, an insurance broker at Morison Insurance can arrange this, and create a plan that’s right for you. How Much Does Car Insurance Cost in...

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- Published: 2021-06-22
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/ottawa/home-insurance/

Ottawa Home Insurance Ottawa is a lovely city to settle down in. It has many beautiful neighbourhoods, including The Glebe, Kanata, Sandy Hill, Westboro, Rockcliffe, Kanata, Nepean, Gloucester, and more. Also, being the capital of Canada, it has many beautiful and historic sites that are very accessible to you. If you are an Ottawa homeowner, there's also one thing in the city that has more value to you than any of these: your home. It's both where you live and, almost certainly, your most valuable asset. This makes protecting it critical for your financial well-being. The financial protection given by Ottawa home insurance will give you peace of mind that you are covered from some of the most damaging things life can throw at you. Our award-winning Ottawa insurance brokers are here to help ensure you get the best insurance coverage. What Is Ottawa Home Insurance? Ottawa home insurance is a type of personal insurance that protects your home. Ottawa home insurance policies protect your home against unexpected events that could cause financial ruin if you had to pay to cover them yourself. This includes acts such as fire, theft and damage caused by a reckless driver. In many situations, Ottawa home insurance coverage can also cover legal costs, including defence fees, settlement claims, and other legal expenses. Let's say that despite using a smoke detector, your house and personal property suffer large amounts of heat and smoke damage in a fire. Such repairs would cost you tens of thousands...

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- Published: 2021-06-09
- Modified: 2022-09-15
- URL: https://staging.morisoninsurance.ca/niagara-on-the-lake/
- Categories: Areas Served

Looking For A Niagara-on-the-Lake Insurance Broker? Are you looking for a top-rated Niagara-on-the-Lake insurance broker? Well look no further! Morison Insurance proudly provides extraordinary insurance and we are at your service. For many reasons, Morison Insurance is a preferred insurance brokerage for countless people in Niagara-on-the-Lake and surrounding areas. Our insurance brokers are dedicated to serving each and every one of our customers by providing insurance expertise, the best insurance coverages, and exceptional customer service. We make getting insurance quick and easy. Niagara-on-the-Lake Home and Auto Insurance Here at Morison, we look after all types of insurance; whether you need home insurance, auto insurance, our Niagara-on-the-Lake insurance team has got you covered! When you join our family we look after you by making insurance easy to get, as well as looking for different ways to save you money whenever and wherever we can. How is this done? When you contact Morison Insurance, our dedicated brokers get started right away on finding you several competitive quotes from more than 20 of Canada's leading insurance companies. We will review them with you and, with our advice, you choose the policy that meets your needs the best. Why Choose Morison Insurance As Your Niagara-on-the-Lake Insurance Broker? Here at Morison Insurance you are not just a number! Our customers are at the centre of everything we do. When you become part of the Morison Insurance family, you are paired with one of our dedicated insurance brokers who will look after all your insurance needs....

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- Published: 2021-05-21
- Modified: 2025-03-06
- URL: https://staging.morisoninsurance.ca/cambridge/
- Categories: Areas Served

Looking For A Cambridge Insurance Broker? Have you been looking for a top-rated Cambridge insurance broker? Your search is over! Morison Insurance is an award-winning brokerage that provides professional service and exceptional insurance to residents in Cambridge and the surrounding areas. Morison Insurance is a family-owned insurance brokerage that has been operating for over a century, and works with over a dozen of the most respected insurance companies in Canada. Our Cambridge insurance team provides a wide range of insurance products and has you covered. Whether you need Cambridge home insurance, Cambridge auto insurance, Cambridge business insurance or anything in between, it is our privilege to look after all your insurance needs, and to welcome you to our Morison Insurance family. Car & Home Insurance | Cambridge Insurance Brokers If you need Cambridge home and auto insurance, Morison Insurance has you covered. As soon as you contact us, we get to work on finding you the best insurance options. We make sure to understand your needs and will get you several quotes tailored to your lifestyle. Together, we will go through the quotes and provide you with our advice and guidance. We are always here and ready to help. Our goal with every customer is to provide them with the best insurance. Remarkable customer service is something that everyone deserves and at Morison this is something we aim to provide. At Morison Insurance, we are a family of brokers who treat each and every customer as part of our family....

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- Published: 2021-05-10
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/mercedes-insurance/
- Categories: Auto Insurance

Mercedes-Benz Insurance Ontario When you drive a Mercedes-Benz, you know quality, inside and out. Mercedes-Benz vehicles have top-of-the-line advanced safety features while providing a luxurious driving experience. No matter which Mercedes model you drive – Mercedes GLC SUV, Mercedes GLE SUV, Mercedes GLA-Class, Mercedes S-Class, Mercedes EQS Sedan, or any other – an insurance broker specializing in luxury car insurance and quality insurance products can help you protect your high-end vehicle with the right Mercedes car insurance quote. What Is Mercedes Car Insurance? Mercedes insurance is a type of car insurance that provides financial protection in the event of an insured accident or claim. Basic car insurance will likely not be enough to protect Mercedes-Benz vehicles due to their advanced safety features and expensive repair costs. A broker can help you choose to increase required coverages and add additional coverages that protect your luxury vehicle. Is Mercedes-Benz Car Insurance Mandatory in Ontario? Ontario law requires every motorist to have basic car insurance with certain coverages, no matter what type of vehicle you drive. However, Mercedes-Benz owners might want to purchase additional coverage to further protect their luxury vehicle against unforeseen events. What does Mercedes Car Insurance Cover? Mercedes car insurance protects both you and your vehicle in the event of an insured loss. Coverages include third-party liability, accident benefits, direct compensation property damage, and uninsured automobile coverage. You have the option to increase your coverage by purchasing additional auto insurance coverage, which adds additional insurance protection. Our expert brokers at...

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- Published: 2021-04-23
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/personal-insurance/weekend-car-insurance/
- Categories: Auto Insurance

Driving Your Vehicle Only On Weekends Are you a weekend driver? Do you only get behind the wheel on Saturday and Sundays to go out, do chores, see family and friends, maybe even just an Ontario road trip? We understand. In Ontario, weekend-only car insurance is not available, however, the good news is that if you drive only a limited number of kilometres usage-based insurance may be right for you. Your best bet is to reach out to an insurance broker who will help provide alternative options and get you the best insurance coverage for your needs. Can I Insure My Car on Weekends or Certain Days of the Week? In Ontario, it's not possible to have weekend-only car insurance or insure your vehicle on any particular days of the week. Ontario law requires all vehicle owners to have continuous coverage. This ensures coverage anytime a driver gets behind the wheel. I Only Drive My Car on Weekends. Does This Impact My Car Insurance Rate? If you are a weekend driver and drive your car only on weekends you can lower your auto insurance premium, especially if you participate in usage-based insurance driving programs. A lower car insurance rate is offered if you drive less, not because you drive only on specific days of the week. There are many factors that impact your car insurance rate, including distance driven, your driving record, driving habits, insurance history, number of years licensed, where you live, and many more. Prices differ among auto...

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- Published: 2021-04-14
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/audi-insurance/
- Categories: Auto Insurance

Audi Car Insurance Ontario Audi is a leading luxury vehicle manufacturer. An Audi is slightly futuristic, powerful, sleek, and an icon of success. The driver is the commander, and the road awaits. As an Audi owner, it makes sense to get the best insurance for your luxury car. Work with an insurance broker who specializes in high-end vehicles and will ensure you and your Audi are properly protected. What Is Audi Insurance? Audi insurance protects you and your high-quality automotive investment. Your Ontario Audi insurance provides mandatory auto insurance coverages required by provincial law. You also have options to purchase additional accident benefits and coverages to ensure your luxury Audi is protected. What Does Audi Car Insurance Cover? Audi car insurance includes third-party liability coverage, bodily injury coverage, property damage coverage, uninsured vehicle coverage, and more. If you need more than just the minimum coverage for your Audi, there is optional insurance coverage add-ons available. An insurance broker will discuss insurance options with you to help determine what coverages you need to ensure you and your Audi are properly protected. Additional Coverages For Your Audi Below are additional coverages that can be added to your auto policy to ensure your luxury sedan is properly covered. Collision or Upset Coverage: This optional coverage is for losses caused when an automobile is in a collision with another object or tips over. Objects can include another vehicle, a streetlight, street signs, a median and others. Comprehensive Coverage: Comprehensive coverage will pay for losses,...

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- Published: 2021-04-06
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/apartment-insurance/
- Categories: Home Insurance

Apartment Insurance Ontario An apartment is a great place to live when you're living alone or with a significant other. It's much less expensive than an entire house, much easier to maintain due to its smaller size, and still provides you with everything you need to get through your day-to-day. Also, renting means fewer headaches since you don't have to worry about all the legal liabilities and obligations that come with owning a house. Whether you're downsizing, leaving home for the first time, or just moving to a place that's better for your current circumstances, the allure of a small, easily kept place to yourself is enticing. However, you might be wondering what happens if something goes wrong. You don't have home insurance, so does that mean you don't have the secondary protections of home insurance, such as contents insurance and liability insurance? Luckily, you have apartment insurance there to help you. What Is Apartment Insurance? Understandably, the idea of apartment insurance, also known as tenant insurance, can seem strange to someone who is new to the idea. Since apartments aren’t traditional houses; there doesn't seem to be a need to insure anything. After all, the apartment is your landlord's responsibility, right? Well... yes and no. Firstly, yes, the apartment itself is your landlord's responsibility, so you don't need a home insurance policy to protect that. However, there are other things home insurance provides that you won't be covered for. These include personal liability insurance, contents insurance, and insurance for...

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- Published: 2021-04-06
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/porsche-insurance/
- Categories: Auto Insurance

Porsche Insurance When you own a Porsche, you have selected quality, performance, luxury, and style. You have chosen among the best of the best high-performance vehicles. When it comes to protecting your luxury Porsche, work with an insurance broker who specializes in high-end vehicles and will ensure you and your Porsche receive the best protection. What Is Porsche Auto Insurance? Porsche insurance is a contract between you and an insurance company to protect you and your luxury vehicle. Porsche insurance provides mandatory coverages required by law, which you can choose to increase, and add additional coverages to protect your lifestyle. An insurance broker will work with you to create a customized insurance plan for your individual needs. How Does Porsche Insurance Work? Porsche insurance protects you and your high-performance Porsche in the event of a claim. Porsche insurance provides liability coverage, accident benefits, and property damage coverage in the event of an accident. Without the proper insurance, you will have to pay out of pocket for damage done to your vehicle and others. In Ontario, it is mandatory to have insurance on all vehicles that you drive. What Does Porsche Insurance Cover? Porsche Insurance coverages include third-party liability coverage, accident benefits, bodily injury coverage, property damage coverage, and uninsured vehicle coverage. There are many additional Porsche insurance coverages available, and there are opportunities to increase coverages on your auto insurance policy. Speak with an experienced insurance agent who will guide you through your insurance options and provide quotes from leading Canadian...

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- Published: 2021-02-04
- Modified: 2024-09-27
- URL: https://staging.morisoninsurance.ca/ottawa/
- Categories: Areas Served

Looking For An Ottawa Insurance Broker? Are you looking for top-rated Ottawa insurance brokers? Look no further than Morison Insurance! We are a provincial and national insurance brokerage with a full suite of insurance products and professional, personal service. We make getting Ottawa insurance quick, easy and pleasurable. How do we do this? When you contact our Ottawa insurance brokers, you will receive several competitive insurance quotes, we review them with you, and you choose the policy that meets your needs. As a Morison Insurance customer, you receive personal service from a dedicated broker who looks after your insurance. When you need us, we are at your service. Why Use A Broker To Get Insurance In Ottawa? Using Ottawa insurance brokers has many benefits. These benefits include having increased options when it comes to your choice of insurance company, getting the best insurance coverage possible, expert advice, and a dedicated broker who will be familiar with your needs. More Insurance Options: A full-service brokerage in Ottawa will ensure that you have a large variety of insurance companies you can be covered by. Instead of buying from a single company and only having access to what they offer, a brokerage will provide you with a wide variety of options, allowing you a wider breadth of possibilities. The Best Insurance Coverage: Our insurance brokers in Ottawa have access to a wide range of insurance providers. This allows them to compare quotes from multiple companies and create a custom package suited to your...

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- Published: 2021-01-20
- Modified: 2022-09-15
- URL: https://staging.morisoninsurance.ca/binbrook/
- Categories: Areas Served

Looking For A Binbrook Insurance Broker? Binbrook is a vibrant and growing community proudly served by Morison Insurance. Nestled southeast of Hamilton between pristine conservation areas and farmland and located near the scenic Niagara Escarpment, Binbrook is a charming community we are pleased to serve with outstanding insurance and service. Our award-winning insurance brokers have been providing home insurance and auto insurance in Binbrook and communities surrounding for more than a century. Morison Insurance is your Binbrook insurance broker. Home and Auto Insurance in Binbrook For home and auto insurance in Binbrook, Morison Insurance has you covered. We work with dozens of Canada’s most respected insurance companies and will get you numerous quotes for your home and auto insurance. Our brokers will provide you with assistance to review the quotes – coverages and prices - and help you get the insurance you want for your Binbrook home, car, truck and more. Why choose us as your Binbrook Insurance Broker? To receive top-rated insurance and service, choose Morison Insurance as your Binbrook insurance broker. Our customers are our focus. We are an award-winning team recognized by our peers and our customers for providing top-rated insurance and service. Expect us to shop for the best value in home and auto insurance. Expect us to provide friendly and expert service. Expect us to be timely and always available to look after your insurance needs – questions, concerns, coverage changes, anything! Every customer has a dedicated broker who looks after their insurance. As our...

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- Published: 2021-01-12
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/ancaster/
- Categories: Areas Served

Looking For An Ancaster Insurance Broker? There is so much to love about Ancaster. Its historic location on the Niagara escarpment, its proximity to conservation areas, trails, and waterfalls, and so much more. The Fieldcote museum, the arts community, the natural beauty of Sulphur Spring Road, Mineral Springs Road, Jerseyville Road and a host of routes. Sports teams, annual events – the fair – and great restaurants and services. Ancaster has an old-town community feel and newer-town vibrancy. The whole Ancaster experience makes our Morison Insurance team proud to be Ancaster insurance brokers. We are pleased to serve Ancaster with home insurance, auto insurance and a full array of insurance products. Home and auto insurance in Ancaster Looking for the best home and auto insurance in Ancaster? We have it. Morison Insurance works with dozens of Canada's finest insurance companies, and we get you several quotes for your insurance to ensure outstanding value. We compare and review the quotes – coverages and prices – with you. No matter your age and stage in life, we have insurance to meet your needs. If you need insurance, we will look after you. We will also look for ways to help you get the best value for your insurance dollar. Any time we can save you money with insurance discounts or bundling, we will. Why choose us as your Ancaster insurance broker? Choose Morison Insurance as your Ancaster insurance broker if you want the best. We are an award-winning Ontario insurance brokerage recognized...

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- Published: 2021-01-06
- Modified: 2025-04-15
- URL: https://staging.morisoninsurance.ca/grimsby/
- Categories: Areas Served

The Best Insurance Brokers Grimsby, Ontario Has to Offer for All Your Insurance Needs Looking for an insurance broker in Grimsby who is both top-rated and committed to your individual needs? Your Morison Insurance team is proud to offer comprehensive insurance services by the best insurance brokers in Grimsby and surrounding areas in the Niagara Region. Our family-owned insurance brokerage has served residents of Grimsby and the entire Niagara Region for generations. Unlike some insurance companies, the Grimsby insurance brokers at Morison Insurance don’t just see you as a faceless number. We work with you to meet your needs. We have a wide variety of insurance products beyond Grimsby car insurance, Grimsby home insurance, and Grimsby business insurance, ensuring that we have got you covered for whatever caused you to call our licensed insurance brokers in Grimsby. We are also experts at helping you save by applying discounts whenever possible. Need an insurance broker? Grimsby’s top insurance team is here for you. Call us today to get customized quotes from the top insurance providers in Ontario. Why Choose Morison Insurance As Your Grimsby Insurance Broker? We understand that insurance can be confusing, and navigating the insurance world on your own can be daunting unless you have a Morison Insurance broker on your side. Our team of Licensed insurance brokers are dedicated to serving everyone with outstanding customer service, insurance expertise, and the best insurance coverages. Why choose our insurance brokers? Grimsby families, individuals, and businesses rely on our brokers for...

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- Published: 2020-12-29
- Modified: 2025-03-12
- URL: https://staging.morisoninsurance.ca/milton/
- Categories: Areas Served

Looking For A Milton Insurance Broker? Are you looking for an award-winning insurance brokerage in Milton? Morison Insurance proudly provides exceptional insurance and service in Milton and beyond. Our insurance team works with dozens of Canada’s most respected insurance companies and is recognized for outstanding insurance and professional, personal service. We are your Milton insurance broker for all types of insurance. We will look after you. Morison Insurance is a family-owned and operated company where every customer is treated like family. We call it our E3 Experience: Be Excellent to Everyone Every Day. It is our privilege to look after your Milton home insurance, Milton car insurance, and Milton business insurance. Home and Auto Insurance in Milton You deserve the absolute best home insurance and auto insurance in Milton! We know it, and we deliver it. When you contact Morison Insurance, you get friendly, professional, and prompt attention. We will immediately get to work for you. Expect us to provide you with several competitive insurance quotes for your Milton home and auto insurance. Expect us to go through the quotes with you and help you determine which policy protects you and your lifestyle at the best value. Why choose us as your Milton Insurance Broker? We focus on you, our customer. We are completely customer-focused. From getting you multiple quotes to delivering your policy to answering questions or concerns you may have at any time; we are here for you. Count on us to deliver outstanding service, professional guidance, and...

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- Published: 2020-12-22
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/tesla-insurance/
- Categories: Auto Insurance

Tesla Insurance Ontario If you own a Tesla, you are in a class of your own. Your vehicle turns heads on Ontario roads. Teslas are uniquely styled and well-appointed luxury vehicles. In addition to their style, Teslas also have all the pros that other electric vehicles do: no need to purchase gas, they don't need traditional oil changes, and they have autopilot, which is very advanced cruise control that paves the way for self-driving cars. These vehicles also signal the driver is on-trend—driving one of the most popular electric cars in the market. As a Tesla owner, it makes sense to get the best electric car insurance for your car. Who Needs Tesla Insurance? Everyone who owns a Tesla needs to have Tesla insurance. In Ontario, having the proper car insurance for any vehicle on the road is mandatory. If you own a Tesla model, you should have Tesla insurance that protects your luxury car and all its features. In the event of a loss, you will want to ensure you have the proper coverage to repair or replace your Tesla, and standard auto insurance may not provide the coverage you require. Speak with an expert broker who will help you determine the coverages required to ensure your Tesla has the proper protection. What Does Tesla Insurance Cover? The array of insurance products available for Teslas includes coverage for third-party liability, accident benefits, direct compensation property damage, uninsured automobile coverage and more. Accident Benefits Coverage Accident benefits coverage is designed...

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- Published: 2020-12-17
- Modified: 2025-04-14
- URL: https://staging.morisoninsurance.ca/personal-insurance/contents-insurance-coverage/
- Categories: Home Insurance

Tenant and Home Contents Insurance Ontario Can Count On Your home is precious to you, and part of what makes a house, condo or apartment a home is your possessions. It's your vintage comic collection, your paintings collected on your travels, and your mother's jewelry. These items are special for a reason: they are a part of your identity and your sense of belonging. Losing these possessions can be absolutely devastating, especially when you have no recourse. That's where Ontario contents insurance comes in. With a comprehensive contents insurance policy from your trusted insurance broker at Morison Insurance, you can have peace of mind knowing that your possessions are properly protected should disaster strike. While not all items are replaceable, some can be repurchased with the financial support offered by a contents insurance policy. And while there is no replacement for your mother's engagement ring, receiving the value of the ring can help soothe the sting of its loss. Understandably, you may have some questions about contents insurance in Ontario. The good news is that our team of qualified insurance brokers is always more than happy to chat about your insurance needs. We're here to help you find the best possible coverage at a competitive rate, which is why we have nurtured relationships with all of Ontario's top insurers. We know who to talk to and where to look to find you the most comprehensive coverage possible. That way, you can have peace of mind knowing your home and possessions...

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- Published: 2020-12-11
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/niagara-falls/
- Categories: Areas Served

Looking For A Niagara Falls Insurance Broker? Do you hate how long it takes to look for insurance in Niagara Falls, Ontario? You spend so much time making phone calls and emails when you would instead do something else. This is where the Niagara Falls insurance brokers at Morison Insurance can help you. We shop your insurance policy around to Canada's biggest insurance providers to find the best insurance coverage for your home, business and much more. We offer a wide range of high-quality insurance products that fit your specific needs so you are correctly covered. Our award-winning team is waiting to speak to you and find out your needs and how we can help. Whether it’s an adjustment to your coverage, a new policy or even just a question, the team at Morison Insurance is here to make sure you are protected. Why Use A Broker To Get Insurance In Niagara Falls? Using a Niagara Falls insurance broker has four significant benefits. Those benefits include having access to more insurance options, getting the proper insurance coverage, having a dedicated broker and receiving expert advice. More Insurance Options By going with Morison Insurance, you have increased your insurance coverage options significantly. For example, if you speak with an insurance agent from an insurance company, they only have the coverage their company offers. Our team will contact many of those companies on your behalf and find you the best coverage options. With Morison Insurance, we will find you several options for...

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- Published: 2020-10-27
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/port-dover/home-insurance/

Port Dover home insurance tailored to you Are you a year-round Port Doverite living in a newer neighborhood or residing in a more established part of town? Maybe Port Dover is a recent or soon-to-be retirement destination? Or maybe you are a Port Dover summer resident with a cottage? Be sure that your Port Dover property is properly protected. Our Port Dover insurance brokers will provide you with home insurance that is tailored to your specific needs. Do I need home insurance in Port Dover? Yes. You need home insurance in Port Dover. Your home is your largest investment, ensure it's properly protected in the event of a claim. Home insurance protects your residence, your property, and liability risks that may arise. Your Port Dover home is a financial and emotional investment to be protected. The best protection is with an insurance policy that fits your personal needs and budget. Why should I use a broker for home insurance in Port Dover? You should use an insurance broker to ensure you have the best home insurance coverage at a competitive rate. An insurance broker will compare several home insurance quotes to determine which policy is best for you. Insurance brokers are professionals who work for their customers. We do not work for insurance companies. We reach out to insurance companies who compete for your insurance by offering insurance products at competitive rates. Insurance brokers also provide service to you throughout the policy period. Have a question? Need to make an...

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- Published: 2020-07-15
- Modified: 2024-12-20
- URL: https://staging.morisoninsurance.ca/tillsonburg/
- Categories: Areas Served

Looking For A Tillsonburg Insurance Broker? If you're searching for an insurance broker in Tillsonburg who can assist you with getting insurance for your house, vehicles, business or recreational items, look no further. Our experienced insurance brokers at Morison Insurance Tillsonburg will help you get the best coverage for all your insurance needs. We are top-rated, award-winning Tillsonburg insurance brokers who strive to provide quality service and comprehensive insurance solutions to all our clients. We always have your best interest in mind. Why Use a Broker to Get Insurance in Tillsonburg? There are many benefits of using a Tillsonburg insurance broker to get insurance coverage. Some include working with leading insurance companies, having access to a range of coverage options, providing expertise and answering questions, and having a dedicated broker. We work with leading insurance companies. We know life is busy, so let us do the shopping for you. Our Tillsonburg insurance brokers will compare insurance quotes to get you the best coverage at competitive prices. We have access to a range of coverage options. Insurance is not one-size-fits-all. That's why it is essential to determine coverages based on your individual needs to ensure you are adequately protected. A Tillsonburg insurance broker can help with this! We are here to answer any insurance questions and provide expertise. Insurance can be complicated. Let our Tillsonburg insurance brokers provide expert advice to ensure you have the best insurance protection and understand your coverage. We are your dedicated broker. Professional and personal service...

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- Published: 2020-07-15
- Modified: 2022-09-15
- URL: https://staging.morisoninsurance.ca/delhi/
- Categories: Areas Served

Delhi Insurance Brokers Our Morison Insurance team, formerly E. R. Adams Insurance, is pleased to serve the residents of Delhi and its neighbouring communities. We are deeply dedicated to the community and we will look after all your insurance needs for your home, auto, business, and life. Morison Insurance is family owned and operated. Our customers are like our family. We are large enough to provide the best insurance available and small enough to maintain our commitment to look after every customer personally. Every Morison Insurance customer has their own personal broker. Your broker is at your service. Have a question? Need to change your insurance? Need help? Your Morison Insurance broker and our team are ready to serve you. As a Morison Insurance customer, you will receive service recognized as among the best of all Ontario insurance brokerages. It is this commitment to our customers that has made us an award-winning brokerage. Your protection is extremely important to us. Additional Insurance Options In Delhi Looking for insurance beyond home insurance and auto insurance? Our award-winning brokers are here to help. We are committed to your insurance protection, competitive pricing, best-in-class service, and helping you save whenever possible. Our insurance products include: Bundled Home and Auto Insurance Truck Insurance Secondary Home Insurance Cottage Insurance Farm Insurance Travel Trailer Insurance Tenant Insurance Condo Insurance And Much More! Our brokers shop dozens of insurance companies across Ontario to get you competitive quotes. We will also get you as many money-saving insurance discounts...

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- Published: 2020-06-01
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/secondary-home-insurance/
- Categories: Home Insurance

Homeowners Insurance for Second Home There's no place like home—except your second home. There are many reasons why you may need or want a secondary residence, but regardless of how you choose to use it, it's essential to make sure your second home isn't going to cause unexpected financial setbacks. From fire and natural disasters to vandalism and beyond, a lot can go wrong to cause damage or destruction to a house, and your secondary home is even more vulnerable because you likely spend less time there than you do at your primary residence. Fortunately, you don't have to be living in your second home year-round to get the peace of mind that comes with knowing you have financial protection in the event of a loss. Speak with your Morison Insurance broker today to start a second home insurance quote, so you can sleep easily at night regardless of which home you're in. What Is Second Home Insurance? Second home insurance provides physical damage coverage for a second home you own that is not considered your primary residence. Examples of second homes include a weekend house, summer home, vacation home or a condo in the city you stay at after attending sporting events or concerts. A second home can also include a home that you allow your children to occupy on a full-time basis. A standard home insurance policy offers coverage for your primary residence. Your primary home is the house you reside in most often and regularly. A second...

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- Published: 2020-04-28
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/electric-car-insurance/
- Categories: Auto Insurance

Get the Electric Car Insurance Ontario Can Count On Electric vehicles were once seen as almost science fiction and were then seen as exclusively for the rich. As they gradually become more affordable, more and more people in Ontario are purchasing electric cars, each for different reasons. Some are enticed by the increase in charging stations available around the province. Others like the fact that electric vehicles are better for the environment. Yet others like the long-term savings of a longer-lasting vehicle that needs less maintenance and no gas. Regardless of the reason, the demand for these vehicles is increasing, and if you want one, financially protecting yourself means you need electric car insurance. That’s where your trusted insurance broker can help. The team at Morison Insurance wants you to have the protection you need for you and your electric vehicle. Whether you’re a first-time EV owner or an early adopter, we’ll ensure you are properly protected with the right electric car insurance coverage. Using our connections with leading insurance providers in Ontario, we’ll find you policy options that fit your unique needs, as well as find you electric car insurance discounts to reward your green driving habits. Give us a call today to get the electric car coverage you deserve at a price you can afford! What Is Electric Car Insurance? As the name implies, electric car insurance is a type of Ontario car insurance policy specifically designed for your electric vehicle. Electric car insurance, like any other auto...

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- Published: 2020-04-01
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/burlington/
- Categories: Areas Served

Looking For A Burlington Insurance Broker? Are you looking for a top-rated Burlington insurance broker? Morison Insurance is proud to serve Burlington as well as surrounding areas. For more than a century, our family-owned insurance brokerage has served residents and businesses across Ontario. Our Burlington Insurance brokers are qualified to provide you with the coverage and assistance that you need to protect yourself from financial harm and to gain reimbursement for losses. We provide you with a wide range of insurance options, allowing you to cover both your personal assets including your home and automobile, as well as your business. Our Burlington insurance brokers can also cover several other items, meaning that we are capable of covering all of your insurance needs. No matter what you need to protect, our Burlington and Halton insurance team has you covered. On October 1, 2023, Morison Insurance acquired D. B. Thomas Insurance Brokers Inc. and are looking forward to providing top-notch insurance service and the best insurance coverage. Why Use a Burlington Insurance Broker? You might be wondering why you should use a broker when you can handle all of your insurance stuff yourself without needing to hire outside help. While this is an option, it's far from a recommended one. Insurance can be very time consuming and frustrating to do on your own time, and can contain plenty of 'fine print' so to say. Hiring a broker to handle a lot of your tasks can save you plenty of time and headaches,...

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- Published: 2020-03-27
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/painters-insurance/
- Categories: Business Insurance

Ontario Painters Insurance Painting contractors are much-needed specialists in today's busy world of residential and commercial construction and renovation. A well-known industry fact is that the best way to increase the perceived value of a home or property is to add a new coat of paint. This helps make the location feel new and pristine. While you could paint a room in a home, a professional painter is what you need if you want the job done correctly and on a larger scale. But with being a painting business owner comes many risks. Property, inventory, tools, and more are all necessary to complete any project. Therefore, ensuring those are all protected with the right painters insurance is critical. A great place to start inquiring about this is by speaking to a Morison Insurance dedicated broker about a painters insurance quote. They can help make sure you have the right coverage for your specific business. What Is Painters Insurance? Painters insurance is a type of contractor insurance coverage that is specifically crafted to protect the potential risks of professional painters while they are working. With the right painter insurance in Ontario, an experienced painter can complete their tasks and projects with the peace of mind that if an insured peril were to take place, he would be adequately compensated to deal with any litigation costs and can handle any extra expenses that may occur such as destruction or damage of property. Whether it's an individual tripping over tools or supplies while...

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- Published: 2020-03-23
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/business-insurance/hvac-contractors-insurance/
- Categories: Business Insurance

Ontario HVAC Business Insurance As an HVAC contractor (also known as a heating, ventilation, and air conditioning contractor) or HVAC technician, you help customers select heating or air conditioning systems for their homes, commercial buildings, or farms. You also provide specialized heating, ventilation, or air conditioning services. This makes your skills extremely valuable, as your skillset is helpful for commercial projects and residential uses all year round. As an HVAC contractor or HVAC business owner, you will see a large variety of clients. While working on so many different kinds of jobs makes every day different and exciting, it leaves you open to a wide variety of risks. Your business requires HVAC business insurance (also known as HVAC contractors insurance or simply HVAC insurance) tailored to meet your business' specific needs. Just as choosing suitable systems for your customers is essential, selecting the right HVAC business insurance for your company is crucial. What Is HVAC Business Insurance? HVAC business insurance is a type of commercial insurance that protects HVAC businesses against many of the legal and financial risks they face in their line of work. Let's say that when doing a check-up on a client's furnace, you accidentally damage it and some of the surrounding equipment. If you're held responsible for this damage, you would be the one who would have to front the cost. However, if your HVAC business insurance policy covers this scenario, you would be financially compensated for these charges. Due to having to deal with a...

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- Published: 2020-03-20
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/luxury-car-insurance/
- Categories: Auto Insurance

Luxury Car Insurance Ontario Luxury car owners select their vehicles for a variety of reasons: Quality, brand, luxury, attention to detail, comfort, reliability, and pleasure. High-end car owners are discerning. They want the best. Luxury car owners should expect and receive the best when purchasing insurance for their high-value vehicles. Always work with a broker who specializes in car insurance for expensive cars. Get a curated policy and coverages, signature service from expert brokers, and prompt and personal service. What Is Luxury Car Insurance? Luxury car insurance is coverage curated especially for high-value, exotic, and specialty classic cars and their owners. Luxury car insurance is a distinctive and specialty product within the car insurance market. It focuses on protecting vehicles by recognizing their value and special requirements. It is important to insure your luxury vehicle with the help of high-end vehicle insurance experts. Luxury vehicle owners require specialty high-value car insurance to adequately protect them and ensure their vehicles are repaired in a way that doesn't damage their value. Quite apart from standard auto insurance, luxury auto insurance offers many extra features, each tailored to the owners of high-performance exotic cars. Who Needs Luxury Car Insurance? If you own a car worth $100,000 or more, you should have a luxury car insurance policy that protects your investment. Insuring a luxury automobile has unique requirements, and you don’t want to insure your vehicle with a standard auto policy. If you have an accident or your vehicle is stolen, you do not...

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- Published: 2020-03-18
- Modified: 2024-11-26
- URL: https://staging.morisoninsurance.ca/business-insurance/plumbers-insurance/
- Categories: Business Insurance

What Is Plumbers Insurance? In layman’s terms, plumbers insurance is a type of contractor insurance policy designed to protect plumbers from many entrepreneurial risks. Although we know that plumbers are responsible enough to manage and minimize the risks involved in their business, it's impossible to remove the risks completely. Plumbers insurance ensures that even if something out of your control does make a mess of things, your plumbing business can survive. Let’s say that, for example, while you’re on a job, somebody breaks into your vehicle and steals a bunch of your most expensive tools and equipment. Or maybe you slip and fall in a client’s house, causing damage to your equipment. Maybe when you’re absorbed in your work, a client’s kid snuck into the room, was somehow able to get access to a tool of yours that you had safely stored away, and hit their sibling with it? Each of these scenarios could land you in a type of hot water that no trade school could have possibly prepared you for. Who Needs Plumbers Insurance In Ontario? Whether you're an independent plumber or you have a team of employees or subcontractors, your work involves significant risks and there are many risk management tips for plumbers, but the biggest is having the correct plumbers insurance. Plumbing requires you to enter homes and businesses to perform necessary tasks, small and large. It is essential to have plumbers insurance customized to meet your business’s specific protection needs, so you're covered in the...

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- Published: 2020-03-11
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/electrician-insurance/
- Categories: Business Insurance

Get the Coverage You Need With Comprehensive Electricians Insurance Ontario Can Trust Electricity is crucial for modern-day living. As an electrician, you provide the vital repair, installation, and maintenance services needed to keep homes and businesses running smoothly and safely. But like with all jobs, there are risks associated with your work, and should the worst-case scenario occur, you could have to pay out-of-pocket for high legal expenses, medical costs, and any loss or damage resulting from the incident—unless you have the right electricians insurance. Ontario insurance brokers at Morison Insurance are dedicated to providing you with the comprehensive protection you need in the event of a liability claim or unexpected event. Whether you need electrical contractor insurance or are part of an electrician franchise, we’ll ensure you are properly covered with the right electricians insurance. What Is Electricians Insurance? Ontario electrician insurance, as the name implies, is a type of contractors insurance for electrical contractors and professional electricians that is designed to protect against the risks associated with their work and industry. Typically, it includes property damage protection, tool and equipment coverage, and different types of electrician liability insurance. For instance, let’s say you’re at a job site, turn around to do something, and turn back around to find that the tools or wire you left behind are missing, and no matter how hard you search, they’re no longer on the job site. With the right insurance for electrical contractors and electricians, you will be reimbursed for the cost...

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- Published: 2020-03-05
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/business-insurance/home-builders-insurance/
- Categories: Business Insurance

The Right Home Builders Insurance in Ontario In many countries, most people live in apartment buildings, townhouses or condominiums—but in Canada, the most popular option is a detached house, representing more than half of the total occupied dwellings throughout the country. Whether you build single-family, detached homes, high-rise buildings with dozens of units, or other residential buildings, you provide an essential service that will always be needed. At the same time, the construction industry exposes home builders to a wide range of risks that could lead to severe financial losses without the protection of the right home builders' insurance. Ontario home builders can rely on the expert brokers at Morison Insurance to track down the coverages and limits necessary for your particular business so you can have the total peace of mind that comes with knowing your business is protected against unexpected financial setbacks. What Is Professional Home Builders Insurance? Home building can be a risky profession because there are so many opportunities for mistakes, accidents, oversights and errors that could leave the builder liable for astronomical legal fees and settlement costs—not to mention the potential for destructive events such as fires, natural disasters, floods, theft, vandalism and more that could destroy structures, materials, tools and equipment and leave the builder responsible for restoration, repair and replacement costs. The solution to this problem is a robust package of home builders insurance. Ontario builders and contractors can protect themselves with this form of business insurance from paying out of pocket for...

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- Published: 2020-02-07
- Modified: 2022-08-31
- URL: https://staging.morisoninsurance.ca/group-insurance/norfolk-county-group-insurance/

Norfolk County Group Insurance Program Exclusive Home & Auto Insurance Rates For Norfolk County Employees & Retirees! Discounts of up to 22% on auto insurance Discounts of up to 30% on home insurance To maximize your exclusive Norfolk County insurance discounts, and provide the best price, we strive to insure both home and auto on the same policy for those who qualify. Reward Your Good Driving With The My Drive Program The Safer You Drive, The More You Can Save! Exclusive Group Program Insured With Intact Insurance The Norfolk County Group Home & Auto Insurance Program is provided through Intact Insurance, Canada's largest insurance company. Do I Qualify For The Group Program? You must be working full-time and be enrolled in the group benefit program offered by Norfolk County, or be fully retired. This includes spouses and children (the child must be living in the household). Individuals who are claims-free and have had no prior convictions will receive a larger discount. Why Choose Morison Insurance? What Our Customers Are Saying About Us Customer satisfaction is extremely important to our team here at Morison Insurance, and we strive to provide outstanding service to all of our customers. But don't just take our word for it! Check out our reviews on Google and Facebook, and testimonials that our customers have left us. I highly recommend Morison Insurance if you're looking for a great insurance company. They're very friendly and helpful and very quick to get you information. Everyone I've spoken to and...

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- Published: 2020-01-31
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/construction-insurance/
- Categories: Business Insurance

Construction Insurance Ontario The Ontario construction industry is booming. Cities and towns are chock-a-block with builds and renovations. Cranes dot the Toronto skyline. Communities across the province are being transformed. There’s no doubt that construction companies are in high demand, but that doesn’t mean they aren’t also at risk for financial loss without the protection of the right insurance coverage. Construction business insurance is essential for those in the construction industry. Construction insurance in Ontario provides a construction company and all interested parties in the property with peace of mind during the course of construction. Construction projects can be a risky and expensive undertaking for businesses to participate in. There can be many unforeseen events, delays, mistakes, and errors. These problems can and do occur. Construction insurance is in place to provide insurance protection in these kinds of circumstances. What Is Construction Insurance? Construction insurance is a product tailored to protect a construction company best based on its specific operations and those of third parties on construction sites. Construction company insurance protects the property owner, developer, and contractors (including subcontractors) by providing financial compensation for insured/covered losses during the construction of a building or multiple buildings. How Does Construction Insurance Work? Construction insurance covers a project from start to finish—sometimes even beyond. This means construction insurance coverage from the bidding stage (to secure a contract) to completion when a building is occupied. A construction business insurance broker is a trained and trusted advisor who will help contractors and builders get...

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- Published: 2019-10-22
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/high-value-home-insurance/
- Categories: Home Insurance

High-Value Home Insurance for Ontario Homeowners Your home is one of your most significant financial and emotional investments. You've worked hard for it. Your professional and financial success has paid off, and you have earned a beautiful, one-of-a-kind home. This is especially true if your home is of exceptionally high value. Protecting it to its value with the right insurance makes sense. Whether your home is a custom dwelling, a chic city residence, a country manor, a heritage dwelling, or something in between, an insurance broker will ensure you have high-value home insurance to protect your hard work, your personal property and your lifestyle. What Is High-Value Home Insurance? High-value home insurance is a form of property insurance that protects luxury homes up to their replacement cost - also known as replacement value - the amount of money an insurance company would have to pay to replace it. A typical home insurance policy may not be enough to cover a luxury, upscale residence, however, high-value home insurance surpasses a standard home insurance policy by offering additional coverage and higher limits. High-value home insurance is custom-made to suit your individual needs. It considers the higher-than-average value of your property, including unique aspects, design features, high-value contents and other unique quality details. It also considers valuable and prized possessions or collections you may have. Suppose your home or the contents within are damaged, destroyed or lost because of an insured peril. In that case, you can claim insurance compensation to restore, repair...

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- Published: 2019-10-15
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/simcoe/
- Categories: Areas Served

Simcoe Insurance Brokers We make getting insurance in Simcoe easy! Whether you are looking for insurance coverage for your home, vehicle, recreational items, or business, our Simcoe insurance brokers are here to help. We work with major insurance providers and will ensure that you receive coverage based on your individual insurance needs. We are here to provide you with a hassle-free insurance experience! Why Use A Broker to Get Insurance in Simcoe? There are many advantages of working with an independent insurance broker in Simcoe. They work with Canada's leading insurance carriers to provide you with extensive insurance coverage options and have comprehensive knowledge about the insurance industry, allowing them to provide expert advice and answer any questions. Simcoe insurance brokers strive to provide a hassle-free insurance experience and are dedicated to serving everyone in the community with outstanding customer service. Your best insurance is a Simcoe insurance broker. What Is The Role Of Insurance Brokers in Simcoe? The role of a Simcoe insurance broker is to provide customers with the best insurance offerings and excellent customer service. Our #1 priority is to ensure you have the best protection at the right price. Since we are an independent insurance broker, we have access to leading insurance companies where we can compare quotes to find the best insurance option for you. Our insurance experts will also provide advice, answer any questions you may have, and will assist with any claims. Our Simcoe insurance brokers deal with the insurance provider so that...

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- Published: 2019-10-15
- Modified: 2025-05-06
- URL: https://staging.morisoninsurance.ca/waterford/
- Categories: Areas Served

Waterford Insurance Brokers Do you live or work in Waterford and are looking for insurance? Look no further than the team at Morison Insurance Waterford. Morison Insurance is an award-winning, full-service brokerage that offers a diverse range of insurance products from dozens of leading insurance companies across Canada. As an independent broker, Morison Insurance Waterford can provide the proper coverage from multiple insurance types, including personal insurance and commercial insurance coverage, customized insurance policies and an excellent level of service. Our team of insurance brokers are here to help you find the best coverage for your individual needs. Our priority at Morison Insurance is our customers. Our experienced staff of Waterford insurance brokers takes pride in providing excellent customer service, offering professional & impartial advice, meeting your insurance needs with a wide range of products, and exceeding your expectations. This commitment to our customers has made us an award-winning brokerage. Your protection and peace of mind are vital to us. Why Use a Broker To Get Insurance in Waterford? There are many benefits to using an insurance broker in Waterford, including having access to more insurance options, expert advice at the push of a button, receiving the best insurance coverage and having a dedicated broker working for you. More insurance options: By using a full-service insurance broker in Waterford, you can access multiple insurance options from leading Canadian insurance companies. While direct insurers can only sell products they offer, Waterford insurance brokers provide more products and possibilities that fit your...

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- Published: 2019-10-15
- Modified: 2025-05-27
- URL: https://staging.morisoninsurance.ca/port-dover/
- Categories: Areas Served

Port Dover Insurance Brokers Morison Insurance has been providing personal Port Dover insurance – including home insurance and car insurance to residents of Port Dover, Ontario, and Norfolk County for over 100 years. Our insurance products also extend far beyond home and auto insurance. If you have it, we can insure it! Our team of insurance professionals at our Port Dover office is ready to serve you. Our #1 priority is to ensure you receive exceptional customer service. Our Port Dover insurance brokers are here to provide you with professional insurance expertise, personalized service and answer any questions you may have! It is this commitment that has made us an award-winning brokerage. At Morison Insurance, our commitment is to our customers. Why Use A Morison Insurance Port Dover Broker? A Port Dover insurance broker has many benefits, including having access to more insurance options, receiving the best insurance coverage, expert advice at your fingertips, and you will have a dedicated broker. More insurance options: By using a full-service insurance broker in Port Dover, you can access multiple insurance options from leading Canadian insurance companies. Direct insurers are only able to sell the insurance products they offer. At Morison Insurance, we provide more products and opportunities for you. The best insurance coverage: The Morison Insurance Port Dover team has access to many insuring partners, which allows them to compare quotes and create individual insurance policies to ensure you have the best coverage for your insurance needs. Professional advice: Insurance can be...

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- Published: 2019-08-29
- Modified: 2021-02-25
- URL: https://staging.morisoninsurance.ca/videos/

Morison Spotlight Prev 1 of 6 Next Meet The Simcoe Team How We Would Describe Our Service Morison brokers anytime someone mentions needing insurance You Should Use A Broker! The Rumours Are True... Me, your insurance broker? Proud To Be Canadian What's Inside Our Office? Benefits of Comprehensive Coverage for Auto Insurance Coming into work after being name-dropped on a 5-star review Benefits Of Increasing My Deductible When the office dog is at home... Seeing Signs Everywhere Saw The Craziest Message In The Clouds Here We Are! Reviews Don't Lie... When your standing desk makes you feel like a DJ Morison Insurance Is Preparing For Daylight Saving Time! Policy Breakdown Refer A Friend For A Gift Card We Love Our Morison Pets! Prev 1 of 6 Next Have an Idea? We'd love to hear it! Send your video ideas to info@morisoninsurance. ca

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- Published: 2019-07-10
- Modified: 2022-08-31
- URL: https://staging.morisoninsurance.ca/join-team/thank-you-for-applying/

Thanks for Applying! So What Now? One of our hiring managers will be in touch with you. what our customers are saying! Check out reviews from our customers about their experiences with our Morison Insurance brokers.

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- Published: 2019-07-10
- Modified: 2022-06-16
- URL: https://staging.morisoninsurance.ca/join-team/about-us/

About Morison Insurance It was 1994 and I was a young accountant who had just started working at one of Hamilton's longest-established insurance brokerages. Unfortunately, the owner was forced to retire due to declining health. I came home from work one day and said to my wife Jill that I thought we should buy the company, solve its financial problems and keep serving its customers. We had two young children and a third on the way at the time, but we set to work. At the time Jill worked at The Hamilton Spectator as a reporter. She stayed in that role for the next 9 years, and then retired from her position as an editorial manager to look after our kids. Jill re-joined our brokerage in 2012. In the early years, many evenings and weekends were spent around our kitchen table writing letters and stuffing envelopes. Jill and I have worked together as a team on our brokerage ever since. Our company has grown from one office in downtown Hamilton with three employees to nine offices across Southern Ontario and more than 80 employees. Our brokerage’s roots date back to 1895. Morison Insurance has offices in Simcoe, Hamilton, Hagersville, Waterford, Delhi, Oakville, Tillsonburg, Port Dover and St. Catharines. For ease of service, our Morison Insurance customers can visit any of our nine offices where our brokers will look after all of your insurance needs. The most important thing to Jill and me is to serve every customer beyond their expectations...

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- Published: 2019-07-04
- Modified: 2024-07-05
- URL: https://staging.morisoninsurance.ca/join-team/life-at-morison/

MENUMENUCultureBenefitsWhy UsAwardsLife at MorisonAbout UsJoin Our Team Life At Morison Insurance A Great Work Culture Each day, we strive to make Morison Insurance the type of place where people are excited to come to work. We are committed to educating, engaging and meeting the career goals of our employees with in-house, company-wide training to third-party presenters, a variety of social events and attractive perks and benefits. Our goal is to have our employees connect with the company and each other, while making sure they feel supported, heard and enthused. We are committed to creating a 'family' here at Morison Insurance. Caring & Growing Our Morison Insurance ‘family’ is a caring group of people. We care about our employees, we care about our customers and we care about the communities we serve. Our company has grown from one office in downtown Hamilton with three employees to nine offices across Southern Ontario and more than 80 employees. Our brokerage’s roots date back to 1895. Morison Insurance has offices in Simcoe, Hamilton, Hagersville, Waterford, Delhi, Oakville, Tillsonburg, Port Dover and St. Catharines. For ease of service, our Morison Insurance customers can visit any of our nine offices where our brokers will look after all of our customers' insurance needs. Great Perks & Benefits Family Roots. Family Feel. An Award-Winning Team The wonderful staff at Morison Insurance have earned many accolades, including Ontario’s #1 Insurance Brokerage, named by the Insurance Brokers Association of Ontario. As a digitally forward-thinking brokerage, we also pride ourselves in...

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- Published: 2019-05-16
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/home-insurance/first-time-homeowner-insurance/

First-Time Homeowner Insurance In Ontario Life is full of firsts. A baby’s first smile, first steps, first words. A teen’s first kiss, first date, first time driving. And then there are those ‘adult’ firsts: Your first ‘real’ job, first serious relationship, first car, and your first home purchase. Each first is a milestone, a marker on the road of life, an important point of passage as the years go by. At Morison Insurance we want you to make all the right decisions when you take that big first step to home ownership. We know there are many things to think about. And there are lots of pricey things to pay for like the mortgage, legal fees, taxes, title insurance, moving costs, and others. Among these many costs, first-time homeowner insurance is often one of the least expensive yet one of the most important. Is First-Time Homeowner Insurance Expensive? First-time homeowner insurance prices can vary depending on a number of details about your new home, however, this is the important point: When you are spending lots of money to buy your first home, you want to make sure it is protected in case of problems such as fire, theft and other unforeseen bumps that may be encountered on the highway of life. To quote one of our brokers: “When you are insuring a $500,000 home, for example, your home insurance is a relatively small amount. It costs less than your property taxes. ” What Does First-Time Homeowner Insurance Provide? Like all...

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- Published: 2018-11-20
- Modified: 2021-12-06
- URL: https://staging.morisoninsurance.ca/contact-us/email/

Email Us General Contact Form Notify Full nameEmailPhone numberWhat Type of Insurance are You Interested In? MessageSubmit Form window. fluent_form_ff_form_instance_1_2 = {"id":"1","settings":{"layout":{"labelPlacement":"top","helpMessagePlacement":"with_label","errorMessagePlacement":"inline","asteriskPlacement":""},"id":"1","restrictions":{"denyEmptySubmission":{"enabled":false}}},"form_instance":"ff_form_instance_1_2","form_id_selector":"fluentform_1","rules":{"fullname":{"required":{"value":true,"message":"This field is required"}},"email":{"required":{"value":true,"message":"This field is required"},"email":{"value":true,"message":"This field must contain a valid email"}},"phone":{"required":{"value":true,"message":"This field is required"},"valid_phone_number":{"value":false,"message":"Phone number is not valid"}},"product":{"required":{"value":false,"message":"This field is required"}},"message":{"required":{"value":false,"message":"This field is required"}}},"debounce_time":300}; Call Us 1 (800) 463-8074 Company About Us Insurance Tips Our Videos Contact Us Make a Claim Careers Privacy Policy Find a Location Products Home Insurance Car Insurance Business Insurance Water Damage Special Events Insurance Group Insurance Life Insurance Farm Insurance Bundled Home & Auto More Insurance Products Insurance Discounts Get a Quote Now Call Us Email Us

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- Published: 2018-10-24
- Modified: 2024-09-27
- URL: https://staging.morisoninsurance.ca/about-us/our-team/

Family Roots. Family Feel. Your Best Interest At Heart. Morison Insurance is a family owned and operated brokerage, and has been since 1923. In every regard, we lead with a family-first mentality. When you reach out to us, you’re part of the family, and we treat you like it. We respond quickly, consistently, and with the correct information you need. Like family, our goal is to ensure you’re getting the best, in this case, the best insurance that properly protects you and your family. Insurance Experience. Insurance Expertise. Insurance Service. What are you looking for from your insurance provider? Are you still searching for an insurance expert that treats you like the unique person you are, and not just a number? Perhaps you’re looking for the best insurance advice or a wide selection of insurance products? Whatever it is, we’ve got the experience to find it for you and the compassion and energy to explain the details so you know exactly what you’re purchasing. In the process, we take time to get to know you, because that’s what family is all about! With over 100 staff serving all of Ontario, we are well equipped to get you the proper insurance protection you need. Additionally, because we have over 20 insurance company partners, we're able to get them competing for your business leading to a competitive insurance price, too. A Dedicated Insurance Broker, Just For You Have you ever done business with a company where you have one person looking after...

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- Published: 2018-10-22
- Modified: 2025-06-05
- URL: https://staging.morisoninsurance.ca/personal-insurance/travel-trailer-insurance/
- Categories: Auto Insurance, Recreational Insurance

Travel Trailer Insurance Ontario can Count on There's nothing quite like life out on the open road. Whether you've planned a careful route hitting all of Ontario's most scenic spots, or are embarking on an ambitious trip across the country—no plan except wherever the wind takes you, or at least, the road—it's important to protect your travel trailer with the right travel trailer insurance. Ontario travel trailers are your mobile home away from home. As such, it is important to ensure you and your travel trailer are properly protected from the risks you face while enjoying life on the road. You require a unique set of coverages to ensure you, and your trailer are protected! Travel trailer insurance from Morison Insurance aims to do just that! Our insurance brokers will provide you with the best coverage options for your unique needs for travel trailer insurance. Ontario brokers on our team will keep you and your trailer on the road so you can focus on your travels! Our Morison Insurance brokers are happy to help you with all of your travel trailer insurance needs to get you out on the road. We are proud to be among Ontario's top insurance brokers and work tirelessly to find the best insurance coverage at competitive rates for our loyal customers. As a family-owned and operated business, we go the extra mile to make our customers also feel like family. We'll take care of finding the right insurance for travel trailer coverage and will diligently...

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- Published: 2018-10-18
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/personal-insurance/personal-cyber-insurance/

Ontario Personal Cyber Insurance Your private data is just as important as your home, vehicle, and personal belongings. Therefore, why would you leave it unprotected? Many homeowners are unaware of cyber risks until it is too late. Your personal information is just as important as your personal assets, for that reason, you need the right protection from the exposures that arise in modern connected life. What Is Personal Cyber Insurance? Personal cyber insurance financially protects you from the aftermath of a cyber attack or data breach. The coverage of this type of insurance policy will help you restore your systems to their previous state and recover any lost data. Personal cyber insurance also covers your liability in the event that other people’s information is stolen from you. Below are two possible examples of how personal cyber insurance can help you. Cyber Attack Scenario #1: Here is a loss scenario provided by one of our insurers: An individual opened an electronic file attached to an email that looked like it was from a well-known delivery service. It unleashed a nasty virus, which corrupted data and reconfigured the existing computer setup. Restoration involved reformatting the hard disk, erasing everything on it and reinstalling the operating system and all software applications. Coverage can be purchased to recover data and restore systems that have been lost or damaged due to an attack involving a computing or connected home device. Cyber Attack Scenario #2: Here is another loss scenario provided by one of our insurers:...

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- Published: 2018-10-18
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/car-insurance/sports-car-insurance/
- Categories: Auto Insurance

Ontario Sports Car Insurance Did you know that sports cars are considered riskier vehicles to insure? This means that due to their value, speed capabilities, and theft appeal, sports car owners face more risk on the road and at home than the standard automobile owner. This also means that standard auto insurance policies may not be adequate for your vehicle. That's where sports car insurance comes in! With the proper sports car insurance, you can continue to enjoy the thrill of the ride knowing you are adequately covered. Our expert sports car insurance brokers at Morison Insurance will provide you with the best coverage and rate options that fit your unique needs. What Is Sports Car Insurance? Sports car insurance protects you and your vehicle from the financial burden associated with physical damages (to the car or yourself) and liabilities in the event of an accident. A sports car's capabilities to accelerate and reach top speeds is what sets it apart from a regular automobile. These are among the reasons a sports car owner should get insurance tailored to their vehicle. Who Needs Sports Car Insurance? A sports car is often considered as such when it has two doors, weighs less than a regular vehicle and has a V8 engine or greater. If you own this type of car, you need sports car insurance. As thrilling as it may be to own a sports car, there is a higher associated risk of accidents due to speed capabilities as well as...

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- Published: 2018-10-17
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/truck-insurance/
- Categories: Auto Insurance

Ontario Pickup Truck Insurance That Protects Your Personal Vehicle If you're a pickup truck owner in Ontario, then your vehicle is your baby. We get it. A pickup truck isn't just a means of getting from point A to point B. It's a lifestyle. From cruising through the Ontario countryside to loading up your vehicle with kids, dogs and camping gear, there's not much that you can't do in a pickup truck. Since your pickup truck is such an integral part of your lifestyle, and is a significant asset, it's all the more important to ensure it's properly protected with the right pickup truck insurance. While it's mandatory in Ontario to have car insurance of some level, there are different tiers for your personal auto policy that can provide more protection than others. It's important to know what the different levels of auto insurance can do for your pickup truck. After all, you'll want to be sure it's properly looked after and that you're financially protected in the event of an accident. Pickup truck insurance protects your truck in the same way auto insurance protects a car. Ontario pickup truck insurance is purchased to cover you and others in the event of an accident. Personal truck coverage must include liability, accident benefits, direct compensation property damage, and uninsured automobile coverages. You have the option to increase limits and include additional coverages on your insurance policy to ensure you and your truck are covered. What is Personal Pickup Truck Insurance in...

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- Published: 2018-10-17
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/personal-insurance/jewellery-insurance/

Ontario Jewellery Insurance Do I need to insure my rings and my new diamond necklace? How much will it cost to insure the family heirloom necklace I inherited from my grandmother? Does my home insurance include coverage for these items? These are questions our expert insurance brokers are asked all the time. Whether it's a family heirloom, a new ring from the one you love or a nice pair of diamond earrings for a night on the town, the sparkle from the box shouldn't blind you to the possibilities of having something happen - no matter how careful you are. Understandably, you would want your newly acquired jewellery protected from theft, loss or damage. With years of experience, our expert brokers at Morison Insurance have the answers to those questions, and they will help you get the right coverage for your jewellery. When you contact Morison Insurance about a jewellery insurance quote, you take the first steps to ensure that your expensive items are covered. Your standard home insurance policy may not provide adequate coverage for your jewellery. That's where jewellery insurance comes in! Protect your most treasured possessions with the proper coverage. While a replacement doesn't recover the sentimental value of that jewellery item, Morison Insurance can provide you with the financial reimbursement you deserve. What Is Jewellery Insurance? Jewellery insurance protects you from expenses owing to the loss, theft or damage to jewellery items. This type of insurance is best when incorporated into your property policy. Should the...

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- Published: 2018-10-17
- Modified: 2022-08-31
- URL: https://staging.morisoninsurance.ca/group-insurance/grand-erie-district-school-board/

GEDSB Group Insurance Program Exclusive Home & Auto Insurance Rates For Grand Erie District School Board Employees & Retirees! Discounts of up to 23% on auto insurance Discounts of up to 15% on home insurance To maximize your exclusive GEDSB insurance discounts, and provide the best price, we strive to insure both home and auto on the same policy for those who qualify. Reward Your Good Driving With The My Drive Program The Safer You Drive, The More You Can Save! Exclusive Group Program Insured With Intact Insurance The GEDSB Group Home & Auto Insurance Program is provided through Intact Insurance, Canada's largest insurance company. Do I Qualify For The Group Program? You must be working full-time and be enrolled in the group benefit program offered by Grand Erie District School Board, or be fully retired. This includes spouses and children (the child must be living in the household). Individuals who are claims-free and have had no prior convictions will receive a larger discount. Why Choose Morison Insurance? What Our Customers Are Saying About Us Customer satisfaction is extremely important to our team here at Morison Insurance, and we strive to provide outstanding service to all of our customers. But don't just take our word for it! Check out our reviews on Google and Facebook, and testimonials that our customers have left us. My experience with Morison Insurance was excellent. Their brokers are easy to deal with and provided me with what I needed in a timely and competent manner....

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- Published: 2018-10-17
- Modified: 2021-11-17
- URL: https://staging.morisoninsurance.ca/group-insurance/empire-communities-home-insurance/

Empire Communities Home Insurance and Condo Insurance Congrats! You are an Empire Communities new home or condo owner. This is a super-exciting time! There are so many things to look forward to. Everything in your new home will be fresh and new, and ready for you to enjoy. Your Empire Communities home really is your empire. And you are indeed the king or queen of your castle. You have made decisions on so many things - from paint colours to floor tiles to ... well, like we said, pretty much everything. You have made choices that suit your needs, your lifestyle and your budget. When it comes to Empire Communities home insurance, it is important that you get the best fit too. Insurance is definitely not a one-size-fits-all purchase. Talk To An Empire Communities Home Insurance Specialist Your best bet is to talk to an insurance broker who can shop at dozens of insurance companies to get you the Empire Communities home insurance protection you need at a great price. Insurance brokers are trained insurance experts who work for you. We do not work for insurance companies. Our commitment to you is to get Canadian insurance companies competing for your business. This is exactly what we do at Morison Insurance: We get dozens of companies to provide competitive quotes, and we get you the insurance that covers your unique requirements at the best price possible. Morison Insurance Is The Exclusive Provider of Empire Communities Home Insurance There is, however, a...

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- Published: 2018-10-01
- Modified: 2024-09-27
- URL: https://staging.morisoninsurance.ca/

For Your Home, Your Auto, Your Business... Your Life! Award-Winning Insurance Broker Trusted Provider For 100+ Years Accessible Insurance on the Go Friendly 24/7 Claims Service Plus, We Save Our Clients Money Simply Better! At Morison Insurance We Shop, You Save! We shop at dozens of leading insurance companies across Canada to get you the best coverage at the best price. It’s quick and easy. Here's how it works: Contact us to tell us about your unique insurance needs. We're great listeners! Sit back and relax while we get top Canadian insurers to compete for your business. Choose your ideal insurance coverage and save your hard-earned money. It's that simple! Insurance Products Protect your home and its contents with the right home insurance coverage. Compare among Canada's leading insurance providers to get the best price. Shop the best Business Insurance with industry-specific coverages with Morison. Get the right answers to your ATV Insurance questions. Speak with a specialist today. Compare and save on travel trailer, fifth wheel and RV Insurance. Protect your classic car with unique collector vehicle protection designed for you. Family Roots. Family Feel. Your Best Interest At Heart. Experienced Insurance Brokers You Can Trust Our goal at Morison Insurance is to provide excellent insurance products and service. We call it the E3 Experience: Be Excellent To Everyone Every Day. We have offices in Hamilton, Haldimand, Oakville, St. Catharines, Simcoe, Port Dover and Waterford to serve you. Can’t get to an office? We are always happy to hear...

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- Published: 2018-01-26
- Modified: 2021-05-20
- URL: https://staging.morisoninsurance.ca/oakville/life-insurance/

Life Insurance in Oakville As each day is filled with so much uncertainty, your life and your ability to earn an income, are two of the most important things you can insure. Obtaining life insurance can help protect your family, should the event of financial hardship or a death occur to the primary income earner. At Morison Insurance, our life insurance professionals can help find you the right level of life insurance to suit your requirements. With access to dozens of leading insurance companies in Canada, we can find you a competitive life insurance quote to suit your level of coverage. Affordable Life Insurance in Oakville Life insurance can be more affordable than you think. When you rely on our Oakville insurance brokers, we’ll provide you with an affordable quote for the right level of insurance coverage you require - whether that be Term Life Insurance (for a period of 10,20 or 30 years), or Permanent Life Insurance (lifetime protection), our experienced professionals can help find you a plan that suits your needs at an affordable cost. We can also provide you with the following services; Life insurance quotes within minutes Competitive insurance cover Access to rates from over a dozen leading insurance providers Get a Free Life Insurance Quote If you require life insurance in Oakville, rely on Morison Insurance. We can provide you with a free, competitive, life insurance quote, within a matter of minutes. Contact us today!

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- Published: 2018-01-26
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/st-catharines/car-insurance/
- Categories: Auto Insurance

Car Insurance in St. Catharines Getting car insurance in St. Catharines shouldn't be a hassle. Our top-rated insurance experts at Morison Insurance are here to help make your insurance experience easy. Our goal is to ensure that you and your vehicle are properly protected in the event of a loss. We are proud partners of many leading Canadian insurance companies, which means we can easily compare quotes to ensure you receive the best car insurance protection at a competitive rate. Where can I buy car insurance in St. Catharines? You can buy insurance for your St. Catharines car from our dedicated brokers at Morison Insurance. We work with dozens of leading insurance providers, so we can help get you competitive prices and excellent coverage. We would be happy to provide you with a customized St. Catharines car insurance quote that is tailored to your specific needs. Do I need insurance for my car in St. Catharines Insurance is mandatory for all vehicles in St. Catharines and all of Ontario. Mandatory coverages include direct compensation, liability coverage, accident benefits coverage, and uninsured automobile coverage. Additional coverages are available to add to your insurance policy to give you peace of mind. Speak with our St. Catharines team. We would be happy to provide you with an insurance quote. How do I choose vehicle insurance in St. Catharines? When choosing your St. Catharines insurance policy, be sure that it provides enough protection should you experience a loss. Sometimes a standard policy may not...

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- Published: 2018-01-26
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/st-catharines/home-insurance/

Home Insurance In St. Catharines Your home is your biggest investment. This is where your loved ones are, where you make the most memories, and where your personal belongings live. It only makes sense to ensure your home and its contents are properly protected with the right St. Catharines home insurance. That's where our St. Catharines insurance brokers can help. We work with Canada's most well-known insurance companies and will provide you with a wide variety of insurance options, as well as explain coverages to you to ensure proper protection is put in place. Our insurance experts are here to provide you with peace of mind. Why Do I Need Home Insurance In St. Catharines? You need home insurance in St. Catharines so that in the event of a loss, your home, contents, and personal belongings are properly protected. In the event of damage to your home due to high winds, fire, or theft, your St. Catharines homeowners insurance policy will pay for the repair or replacement of damage done. Without St. Catharines homeowners insurance, you would have to pay to replace your home, contents, and personal belongings out-of-pocket. Don't be stuck without St. Catharines home insurance. How Much Home Insurance Do I Need For My Home in St. Catharines? You need enough homeowners insurance to replace your St. Catharines home and its contents should you experience a loss. What is the replacement value of your St. Catharines home? How much will it cost to replace all of your personal...

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- Published: 2018-01-25
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/hamilton/car-insurance/
- Categories: Auto Insurance

Car Insurance Hamilton Drivers Can Trust Finding the right car insurance provider can sometimes be a nightmare. But we make finding affordable automobile and car insurance easy. Our experienced auto insurance brokers will shop for you to help find you the right car insurance you need at the right price. It's no secret why we're the leading brokers for car insurance Hamilton drivers rely on—we make it easy because it should be. Accidents can happen on the roads, and you need to make sure when they do, you're going to be ok. By law, we're all required to have the basic level of insurance; however, at times, this basic level of coverage isn't enough. Affordable Hamilton Car Insurance Coverage We understand that no car or driver is ever the same, so why should your level of insurance coverage be the same as everyone else? At Morison Insurance, we take the time to shop around to find the right coverage at a competitive price, allowing you to save time and money on your insurance policy. We provide peace of mind to our clients by delivering them the most competitively priced insurance coverage. We can also provide you with lots of ways to save on your auto insurance policy, all while offering the following services: Competitive car and auto insurance rates Free auto insurance quotes within minutes Tailored insurance packages to suit your needs Do I Need Car Insurance in Hamilton? Regarding car insurance, Hamilton drivers are legally required to have the...

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- Published: 2018-01-25
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/hamilton/home-insurance/
- Categories: Home Insurance

Home Insurance In Hamilton We know you love your home, and we’ll help you protect it. Our experienced and professional insurance brokers have been helping local residents get home insurance in Hamilton for over 100 years. We work with dozens of Canadian insurance providers and will provide you with multiple competitive home insurance quotes tailored to your Hamilton home. Do I Need Home Insurance In Hamilton? Ontario law doesn’t require homeowners to purchase home insurance, however, your home is likely among your most valuable assets so home insurance is a worthwhile protection to have. Our insurance brokers strongly advise that you get home insurance in Hamilton. Here is an example of how important it can be to have home insurance in Hamilton: If you have a fire at your home, without insurance you will have to pay 100 percent of the repair costs. When you purchase home insurance, the insurance company agrees to compensate you in case of specified unforeseen circumstances, such as fire. It’s easy to see that the amount spent on a homeowners insurance policy is reasonable when compared to potentially financially ruinous costs of paying personally for a substantial loss. How Much Home Insurance Do I Need For My Home in Hamilton? You need enough home insurance to replace your Hamilton home and its contents in the event you experience a loss. An insurance broker will be able to assist you to determine your home's replacement cost. We also recommend that you take an inventory of your...

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- Published: 2018-01-25
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/hamilton/business-insurance/
- Categories: Business Insurance

Commercial Insurance Hamilton Business Owners Can Trust Commercial insurance is one of the most important investments you can make for your company, no matter its size. With access to dozens of leading insurance providers in Canada, our experienced Hamilton Insurance Brokers take the time to shop around for the right business and commercial insurance coverage to suit your business, allowing you to save. Our professional team also knows how valuable your time can be as a business owner, so we provide you with a competitive quote as quickly as possible. Small Business Insurance Experts We don't just offer insurance to big businesses; we help small companies too. Your business matters to us at Morison Insurance, no matter its size! Whether you employ 100 people or one, we want to ensure your business is covered correctly. We can find you competitive business insurance options for your small business in Hamilton to ensure your company is completely covered. We can also provide you with an additional bundle quote that takes care of your commercial auto insurance and business contents insurance, leaving you to get on with business without worry. Hamilton Business Insurance Coverage Options We offer Hamilton business owners a full range of commercial insurance options. No matter your niche or business type, we have the right Hamilton business insurance to suit you. We offer affordable business insurance coverage for Hamilton business owners. We can help you get the coverage you need for when you need it the most—because when it comes...

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- Published: 2018-01-25
- Modified: 2021-12-02
- URL: https://staging.morisoninsurance.ca/hamilton/life-insurance/

Morison Insurance Hamilton - Life Insurance The thing about our lives is that they are filled with uncertainty - we never know what may happen tomorrow or the next day. Life Insurance can help protect your family if and when these uncertainties may arise. At Morison Insurance, our experienced life insurance brokers in Hamilton can provide you with a comprehensive quote that will make sure your loved ones won’t be without, should the unlikely event of a death occur to the primary income earner. Affordable Life Insurance Options With access to over a dozen premium life insurance companies that support Hamilton, we can provide you with an affordable insurance coverage option at at rate that suits your lifestyle needs and budget - ensuring you that in the unfortunate event of a death, your family can rest assured in knowing all financial complications will be taken care of. Whether you require Term Life Insurance (10, 20 or 30 years) or Permanent Life Insurance (lifetime protection) - our experienced team of professionals will help you find a life insurance rate to suit your requirements.

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- Published: 2018-01-25
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/oakville/car-insurance/
- Categories: Auto Insurance

Car Insurance In Oakville We make getting car insurance in Oakville easy. Providing excellent protection, competitive pricing, professional and prompt service whenever needed is what we strive for. Our top-rated insurance broker team provides Oakville drivers with auto coverage that's competitively priced, where our service is always prompt, professional and personal. We will provide you with multiple insurance quotes and expert advice so that you can choose the coverage that best suits your insurance needs. Do I need auto insurance in Oakville? In Oakville, as is the case everywhere in Ontario, vehicle insurance is mandated by law. There are legally-required coverages, but if you require extra protection, additional coverages are available for purchase. In addition to having insurance, vehicles must meet safety and environmental emissions standards. Owners must also have ownership documents verifying they own a vehicle and licence plates with valid stickers. Ontario law requires proof of insurance before registering as a vehicle owner. All of these are required before driving on Ontario roads. Why should I have car insurance in Oakville? Every vehicle owner in the province of Ontario must have car insurance. This is required by law. Apart from this, you should have insurance for your protection. It's essential to ensure you are insured if you are in an accident or in case of other events such as theft or damage to your vehicle. How do I choose car insurance in Oakville? When choosing vehicle insurance in Oakville, ensure that your policy provides enough coverage so that...

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- Published: 2018-01-25
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/oakville/home-insurance/
- Categories: Home Insurance

Home Insurance In Oakville Your home, contents, and personal belongings are all very important to you, which is why it’s crucial to have the right home insurance coverage in order to protect your biggest investment should a loss occur. Our team of Oakville insurance brokers can provide you with competitive home insurance quotes that exceed all your expectations. Why Do I Need Home Insurance In Oakville? It is highly recommended that all Oakville homeowners have home insurance. It is affordable and has so many benefits, should you need to use it. Your home is oftentimes the biggest asset you own, and you want to ensure it is properly protected. Do not leave yourself stuck when you need it most. Oakville home insurance protects your dwelling and other belongings. In the event of damage to your home due to high winds, fire, theft, and more, your Oakville homeowners insurance policy will pay for the repair or replacement of damage done. Most home insurance policies also cover the contents inside your home like clothing, furniture, and appliances. Without Oakville home insurance, you will be left paying for these expenses out of pocket. Protect your home and your wallet and purchase Oakville home insurance. How Much Home Insurance Do I Need For My Oakville Home? When purchasing home insurance in Oakville, be sure that you have enough coverage should you need to repair or replace your home in the event of a loss. Everyone’s insurance needs are different, but our Oakville brokers would...

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- Published: 2018-01-25
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/oakville/business-insurance/

Protect Your Business With the Right Commercial Insurance As a business owner, ensuring your company is protected with business insurance is a smart move. Obtaining business insurance can protect you from losses to your business caused by accidents or unforeseen circumstances. Whatever the business size, Morison Insurance can help by providing multiple insurance quotes to help find you the best insurance coverages for your business. At Morison Insurance, we want to give you the peace of mind that your business is protected. We understand that every business is unique, so we spend the time searching for the correct type of business insurance to suit your company. With access to over a dozen insurance providers in Ontario, our insurance brokers will compare quotes to find you the best coverage at a competitive rate. Affordable Business Insurance in Oakville We can find the best coverage tailored to your company's needs with access to various online business insurance providers. We can also help you by providing a business insurance bundle that insures your automobiles, technology machinery and other assets. Our experienced Oakville business insurance brokers have been providing the businesses of Oakville and all of Ontario with affordable business insurance for many years and can provide you with the following: Business insurance quotes within minutes Competitive business insurance coverage Tailored business insurance bundles What is Oakville Business Insurance? Business insurance in Oakville—and everywhere else in Ontario—is an essential part of a successful plan for any business. It's a package of insurance coverages that...

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- Published: 2017-08-09
- Modified: 2021-05-11
- URL: https://staging.morisoninsurance.ca/my-morison/

Free & Exclusive App Our MyMorison app is super convenient and free, and it’s exclusive to our customers. With the tap of a button on your phone or computer, you can view your insurance policy details, deductibles, and coverages. See your claims. Access your pink card information. If you are in an auto accident, we offer a step-by-step guide - with forms to fill out - to help you at the scene. Changing your address? Bought a new vehicle? Request these changes or others by sending us a message. Looking for a mechanic or need gas and want to know where the nearest station is? Our app does all this and more. It’s a Morison Insurance extra we know you’ll love.

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- Published: 2017-08-08
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/umbrella-insurance/
- Categories: Auto Insurance, Home Insurance

Ontario Personal Umbrella Insurance Think of how useful an umbrella can be. It protects you from the rain in stormy weather by offering better coverage over and above your raincoat and hat. Regarding umbrella insurance, Ontario residents can benefit similarly because it provides an extra layer of protection with liability coverage above what your car and home insurance policy provides. An Ontario umbrella insurance policy will offer broader coverage for additional exposures than what the underlying policy—your home insurance or auto insurance policy—may provide. What is Umbrella Insurance? Also known as excess liability insurance or blanket insurance, a personal umbrella insurance policy is a type of personal insurance that fills in the gaps that your other insurance policies (such as home, auto or boating) leave behind. It provides extra liability insurance on any additional risks you might identify. Consequently, you are protected on all fronts. Ontario policyholders, this coverage is an important part of your complete protection strategy.   For example, imagine your dog getting loose from your backyard and biting your neighbour. A situation like that would typically be covered under your home insurance policy, but if your neighbour sues you to cover the cost of their medical bills and additional compensation for pain and suffering, the settlement and legal fees combined could far exceed the coverage limits on your home insurance. Once your home insurance policy reaches its limit, your umbrella insurance coverage will kick in to pay the rest of the costs up to your umbrella insurance...

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- Published: 2017-08-08
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/bundled-home-and-auto-insurance/
- Categories: Auto Insurance, Home Insurance

Ontario Home and Car Insurance Bundle There is no doubt that some things are just meant to be together. They are better together. The same is true when you bundle home and auto insurance. Bundling home and auto insurance policies with one insurance company provides numerous benefits. Not only are there money-saving opportunities on your insurance premium, but it also makes your insurance more straightforward and ultimately provides additional coverage that keeps you, your home and your vehicle safe. What Is Bundled Home And Auto Insurance? An Ontario home and car insurance bundle is when you purchase your home insurance and auto insurance with the same insurance carrier, and you receive exclusive savings. It could cost you more if you purchase individual policies, especially if you buy these policies from two different companies. When you purchase a bundled home and auto insurance policy covering your home and vehicle, your insurance company can give you a multiple-policy discount. This discount is referred to as “bundling. ” Home and auto are a standard set of insurance policies to combine, but you can also receive bundle discounts on a wide range of insurance products. Usually, the more you bundle, the better coverage you’ll receive from that company. Why Should I Bundle My Home and Auto Insurance? There are a few reasons why you should bundle home and auto insurance. With bundled insurance, you can benefit from additional savings, the convenience of having your home and auto policy in the same place, possibly only...

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- Published: 2017-06-28
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/commercial-property-insurance/
- Categories: Business Insurance

Ontario Commercial Property Insurance for Small Businesses, Large Facilities and More! As a business owner, you work hard to make your business a success. But all it can take is a single incident, such as a fire or a break-in, and you can find yourself struggling to keep your business in the black as you spend thousands attempting to repair or replace what you lost. That’s where our Ontario commercial property insurance brokers at Morison Insurance can help, finding you comprehensive policy options from leading insurance providers in Canada to ensure that your business property gets the coverage it needs to prevent one bad day from driving you out of business. Commercial property insurance is an important type of insurance coverage to have to protect your business from the cost of repairing or replacing your commercial property. It protects the physical assets of your business, such as buildings, contents, equipment, inventory, and property in transit, against loss or damage from a range of causes. So should the unexpected occur, you can have peace of mind knowing that you have the protection of an Ontario commercial property insurance policy on your side. You have multiple coverage options when you work with Morison Insurance. Our business insurance professionals will help you to identify and manage the many risks to which your business may be exposed. Let us help you get the Ontario commercial property insurance coverage you need at a reasonable cost. What is Ontario Commercial Property Insurance? Ontario commercial property insurance...

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- Published: 2017-06-26
- Modified: 2025-04-30
- URL: https://staging.morisoninsurance.ca/about-us/our-extras/

Enjoy the extras at Morison Insurance At Morison Insurance we provide extras that make the difference. Many things set us apart. We not only shop the best insurance companies in the country to get you the best insurance at the best price, we also offer the following: We Speak Your Language In addition to English, some of our professionals also speak Punjabi, Croatian, Serbian, Hungarian, and Portuguese. We would be happy to speak with you about your insurance in any of these languages. We Will Review Your Current Insurance Policy For Free Bring your insurance policy to Morison Insurance and we will review it, make sure everything is right and provide you with a competitive quote aimed at saving you money and providing the coverage you need. We Keep In Touch Get money-saving insurance tips and news with our regular e-newsletter. We reach out to you with insurance news that matters to you. We Reward Our Customers For each referral a Morison Insurance client sends our way, they will receive a $10 reward... and so will their friend! Click here to find out more about our insurance referral rewards program. We Are In Many Of Your Communities Hamilton, Haldimand, Oakville, St. Catharines, Simcoe, Waterford and Port Dover. Can’t get to an office? We would love to hear from you by phone at 1-800-463-8074. By text at 289-768-7920, or by email at info@morisoninsurance. ca We have 24/7 claims service In the event of a claim, we are here to help 24/7....

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- Published: 2017-06-26
- Modified: 2021-05-21
- URL: https://staging.morisoninsurance.ca/our-insurance-products/

Personal Insurance {! {wpv-view name='personal-product-view'}! } Business Insurance {! {wpv-view name='business-product-view'}! } Group Insurance {! {wpv-view name='group-product-view'}! } Your opinion matters. If you would like to comment on our website or anything else at Morison Insurance, please contact us at info@morisoninsurance. ca

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- Published: 2017-06-26
- Modified: 2021-05-21
- URL: https://staging.morisoninsurance.ca/about-us/our-values/

We call it the E3 Experience "Be Excellent To Everyone Every Day" At Morison Insurance... We Collaborate We work together to achieve our common goals and interests We Are Responsive We focus on helping each customer and each other We Give Back We support our communities through volunteering and donations We Are Pro-Active We strive for excellence, recognize and address any challenges, embrace technology and ongoing changes in our industry We Are Disciplined We provide exceptional service to our customers through first-in-class company-wide procedures and on-going employee training We Promote Fun At Work We provide opportunities for professional fulfillment and development as well as a workplace culture that is collaborative, supporting and enjoyable Get In Touch At Morison Insurance we represent dozens of Canada’s best insurance companies. All provide competitive prices, excellent service and outstanding claims service. We will shop at all of these companies to get you the best insurance for your individual needs. facebook Youtube google-plus twitter instagram linkedin Let Us Get You a Quote Today Personal Footer Form Newsletter Full nameEmailPhone numberMessageSubmit Form window. fluent_form_ff_form_instance_10_5 = {"id":"10","settings":{"layout":{"labelPlacement":"top","helpMessagePlacement":"with_label","errorMessagePlacement":"inline","asteriskPlacement":""},"id":"1","restrictions":{"denyEmptySubmission":{"enabled":false}}},"form_instance":"ff_form_instance_10_5","form_id_selector":"fluentform_10","rules":{"fullname":{"required":{"value":true,"message":"This field is required","global":false,"global_message":"This field is required"}},"email":{"required":{"value":true,"message":"This field is required","global":false,"global_message":"This field is required"},"email":{"value":true,"message":"This field must contain a valid email","global":false,"global_message":"This field must contain a valid email"}},"phone":{"required":{"value":true,"message":"This field is required","global":false,"global_message":"This field is required"},"valid_phone_number":{"value":false,"message":"Phone number is not valid","global":false,"global_message":"Phone number is not valid"}},"message":{"required":{"value":false,"message":"This field is required","global":false,"global_message":"This field is required"}}},"debounce_time":300}; Company About Us Insurance Tips Our Videos Contact Us Make a Claim Careers Privacy Policy Find a Location Products Home Insurance Car Insurance Business Insurance Water...

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- Published: 2017-06-26
- Modified: 2021-05-17
- URL: https://staging.morisoninsurance.ca/personal-insurance/life-insurance/

Ontario Life Insurance Life is filled with uncertainty. Your life and your ability to earn income are among the most important things you can insure. Life insurance can help protect your family from serious financial hardship if the primary income earner were to die prematurely. Many workplace group programs provide some coverage, but it is rarely enough, especially in cases where there is a mortgage and young children in the family. Let our professionals help you find a plan that suits your needs at an affordable cost. We are confident that our clients always get the best value for their Life Insurance dollar. There are two basic types of Life insurance: 1. Term Life Insurance – Term insurance provides coverage for a specific period of time (10, 20 or even 30 years) at a fixed premium for the term. If you have mortgage insurance through your bank, we invite you to get a no-obligation quote from us and compare the prices. We are confident that a proper life insurance company will provide a better policy at a lower premium than a bank purchased mortgage insurance. 2. Permanent Life Insurance –Permanent plans (such as Whole Life or Universal Life) provide lifetime protection at a level cost. Most permanent policies have a cash value component that may eventually be withdrawn, or even applied toward future premiums. If you are looking for Life Insurance, call Morison Insurance or click below for a quote.

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- Published: 2017-06-26
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/

Ontario Personal Insurance Everyone is unique, which means our homes, hobbies, and lifestyles are unique. However we choose to live our lives, we all have one thing in common—we want to protect our homes and belongings and secure our finances against devastating setbacks. The best way to do that is with the right personal insurance. Morison Insurance is your Ontario personal insurance specialist! We can provide insurance for your home, condominium, apartment, and cars, including your antique or vintage vehicle, seasonal or secondary properties, ATVs, boats, and all your other possessions. If you have it, we can insure it. What Is Personal Insurance? There are different varieties of insurance coverages, and one of the biggest and most encompassing types is personal insurance. Ontario residents are covered by some personal insurance, including mandatory coverages such as auto insurance. So why is it so important to have personal insurance? Ontario is a peaceful, friendly place to live, but no matter how careful and diligent you are about protecting your property and bodily safety, sooner or later, you'll experience a disastrous event such as a fire, flood, vehicle collision or theft that can take away what you've worked so hard to build in a flash. To add insult to injury, you could then be on the hook to pay for eye-watering costs associated with legal fees, settlement costs, medical expenses and property damage restoration if you don't have personal insurance. Ontario residents who are protected with the right combination of coverages to suit...

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- Published: 2017-06-26
- Modified: 2025-05-14
- URL: https://staging.morisoninsurance.ca/business-insurance/
- Categories: Business Insurance

Commercial Insurance Ontario Business Owners Can Count On We believe that business insurance is one of the most important investments you can make for your company, regardless of size. With access to dozens of leading business insurance providers in Canada, our experienced Ontario commercial insurance brokers take the time to shop around for the right business insurance. Ontario business owners reap the benefits by saving money and protecting their financial investment with the necessary insurance coverage. Our professional team also knows how valuable your time can be as a business owner, so we provide you with a competitive quote as quickly as possible. We don’t just offer coverage to the big businesses. We also help small companies find the right business insurance. Ontario brokers at Morison Insurance care about the success of your business, no matter its size! Whether you employ 100 people or one, we want to ensure your business is properly covered. We can find you competitive business insurance options for your Ontario business. We can also provide you with an additional bundle quote that takes care of your commercial auto insurance and business contents coverage, leaving you to get on with business—minus the worry. What Is Ontario Commercial Insurance? Ontario business insurance is a type of coverage that protects businesses from a range of insured losses that may occur throughout the duration of normal business operations. There are a range of different coverages available depending on your business insurance provider. However, most business insurance policies include a...

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- Published: 2017-06-26
- Modified: 2021-06-29
- URL: https://staging.morisoninsurance.ca/make-a-claim/

Morison Insurance’s 24-7 Claims Advantage If you have a claim, please follow the steps below. During Business Hours In the event of a claim made during business hours please call Morison Insurance to speak to a licensed broker who will take the details of your claim and assist you. We will immediately report the claim directly to the insurance company. After hours, on weekends or holidays Most claims do not need to be reported to your insurance company until the next business day, however, if you would like to report the claim right away, or if it is a serious accident or if there may be further damage to your property if corrective steps are not taken immediately, please contact the appropriate insurance company below. If you know the name of your insurance company, contact the Emergency Claims Service at the corresponding phone number below. Please have your policy number ready to give to the claims adjuster. Aviva 1-866-692-8482 CAA Insurance 1-800-387-2656 Chieftain 1-800-661-5522 Chubb 1-800-532-4822 Coachman 1-800-361-2622 Coast Underwriters 1-866-365-2802 Dufferin Mutual 1-800-265-9115 Echelon 1-866-931-0570 Economical 1-800-607-2424 Elite 1-866-692-8482 Gore Mutual 1-866-532-7310 Guarantee 1-888-998-1872 Hagerty 1-888-348-9369 Heartland 1-800-265-8813 Intact 1-866-464-2424 Jevco 1-866-864-1112 Northbridge Insurance 1-855-621-6262 Nova Mutual Insurance Company 1-800-304-5573 Pafco 1-800-387-0462 Peel Mutual 1-800-268-3069 Pembridge 1-800-387-0462 Perth 1-800-607-2424 Portage 1-800-340-2439 Premier Marine 1-800-235-8784 SGI Canada 1-877-844-8460 Travelers 1-800-661-5522 Wawanesa 1-844-929-2637 For questions about an ongoing claim or any claims service, please call Morison Insurance at any time. We are here to help you.

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- Published: 2017-06-26
- Modified: 2019-04-15
- URL: https://staging.morisoninsurance.ca/limitations-of-liabilty/

Morison Insurance Brokers Ltd. , its affiliates and related companies take no responsibility for the accuracy or validity of any claims or statements contained in the information, or related graphics of this site. Further, Morison Insurance Brokers Ltd. makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose. All such information and related graphics are provided without warranty of any kind. Morison Insurance Brokers Ltd. makes no representations whatsoever about any other Web site which you may access through this site. When you access a non-Morison Insurance Brokers Ltd. website, you understand and acknowledge that it is independent from Morison Insurance Brokers Ltd. , and that Morison Insurance Brokers Ltd. has no control over the content on any such Web site. In addition, a link to a non-Morison Insurance Brokers Ltd. website does not mean that Morison Insurance Brokers Ltd. endorses or accepts any responsibility for the content, or the use, of such Web site. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items such as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL Morison Insurance Brokers Ltd. BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.

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- Published: 2017-06-26
- Modified: 2025-01-21
- URL: https://staging.morisoninsurance.ca/privacy-policy/

Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information in a manner that a reasonable person would consider appropriate in the circumstances. Personal Information Collected Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including: Basic information such as your name, address, telephone and fax numbers, e-mail, birth date and marital status Claims history Credit and past payment records Driver’s record Medical information such as any condition that may affect the operation of a vehicle Employment information We may obtain this information from: You Insurance companies Other insurance brokers or agents Credit organizations Motor vehicle and driver licensing authorities Financial institutions Medical professionals Why do we collect personal information? When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to: Enable us to acquire or renew an insurance policy for you Assist you and assess your ongoing needs for insurance Assess your need for other products, such as financial products, and to offer them to you Ensure your information is accurate and up-to-date Protect us both against error or fraud Who do we...

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- Published: 2017-06-26
- Modified: 2022-08-13
- URL: https://staging.morisoninsurance.ca/sitemap/

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- Published: 2017-06-26
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/professional-liability-insurance/
- Categories: Business Insurance

Professional Liability Insurance Coverage for Ontario Professionals As a professional who provides services and advice to your clients, you are vulnerable to legal risks and expenses that could arise from allegations of negligence, errors, omissions, defamation and other potential issues. Even if the allegations are untrue, you could be forced to spend a huge amount of money paying out of pocket for the cost of your legal defence and other related fees. Should you be found liable in court, you could be responsible for eye-watering settlement costs. But with the expertise of the business insurance brokers at Morison Insurance, you can have the insurance protection you need when faced with professional liability claims. Professional liability insurance offers you protection against financial hardship in the event that you are faced with certain types of allegations and need legal support. Our team of experienced brokers can find the right combination of coverage that will let you rest easy at night knowing you are protected against serious financial loss related to liability allegations when providing professional services. What is Professional Liability Insurance? Ontario professional liability insurance, which is also known as errors and omissions (E&O) insurance or malpractice insurance depending on the type of profession it is being applied to, is a type of business insurance coverage that offers financial protection against costs incurred by defending yourself and your professional service against allegations of professional negligence, inaccurate advice, wrongful business practices, breach of contract, errors or omissions, and conflict of interest. In the...

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- Published: 2017-06-22
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/business-insurance/farm-insurance/
- Categories: Farm Insurance

Farm Insurance Ontario Farming isn't just a business; it's a way of life. It's challenging yet rewarding work. Unfortunately, it’s also awash with uncertainties – everything from the weather to fluctuating prices to fire risks to equipment failures to – well, you get the idea. Helping farmers manage their agricultural business risks and mitigate financial damage if losses occur is the purpose of farm insurance. To get proper farm insurance protection, your best bet is to contact a farm insurance expert to arrange a customized insurance solution that meets your farm's specific needs. Farm insurance specialists know every farm has unique protection needs. We prepare specialized farm insurance packages to protect your home, farm buildings, machinery, equipment, livestock, produce, farm liability and more. Whether you farm in the Golden Horseshoe, Norfolk, Oxford, Brant, Niagara, or any areas between or beyond, our Morison Insurance farm experts can arrange an Ontario farm insurance policy that is right for you. What Is Farm Insurance? Farm insurance is an insurance product with specialized coverage for farm owners or individuals who are farming. It protects a farm's assets, including farm buildings, farm machinery and equipment, livestock, produce, liability and more. Who Needs Farm Insurance? You need farm insurance if you own a farm, have acreage that you rent to other farms, or have farm operations such as renting land from others and growing crops. A standard homeowner's insurance policy does not provide proper coverage for a farm operation. A farm insurance policy includes coverage for...

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- Published: 2017-06-22
- Modified: 2021-05-17
- URL: https://staging.morisoninsurance.ca/hole-in-one-insurance/

Ontario Hole-In-One Insurance With a Hole-In-One Insurance policy, golf tournament organizers can relax knowing they can offer great prizes which will create excitement at their golf event. With a Hole-In-One policy the insurance carrier will cover the cost of the prize in the event that a participant successfully hits a hole-in-one during the tournament. These types of contests can lead to very profitable advertising campaigns by offering your clients a chance at a grand prize. This type of insurance policy allows you to pass the risk of a large expense onto a stable insurance company for a manageable insurance premium. If you are looking for Hole-In-One Insurance, call Morison Insurance or click below for a quote.

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- Published: 2017-06-22
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/commercial-cyber-insurance/
- Categories: Business Insurance

Ontario Commercial Cyber Insurance Times are rapidly changing, and how we communicate and do business has, too. This has brought on new risks and liability exposures that seemed unimaginable a few decades ago. Claims and legal expenses to cover insured losses from privacy breaches, copyright infringement, and errors and omissions are on the rise. Commercial cyber insurance helps to protect an association, business, or individual from the negative impact and costs of cyber threats such as breach, theft, or unauthorized disclosure in electronic format of another party's personal information. Any business, no matter how small or large, can be a victim of cybercrime or have a cyber breach. Our brokerage represents specialty insurers that provide many unique coverages required by those in cyber and computer-type fields, including software developers, network support, IT consultants, website developers, graphic designers, and media and advertising firms. What Is Commercial Cyber Insurance? Possession of any party's personal information, such as phone numbers, credit card details, and birth dates, must be safeguarded. A lost or stolen laptop containing a vendor or customer's information or a virtual thief from the other side of the world who is hacking into a computer, phishing scams, or ransomware are examples of adverse events that are occurring daily. Standard property and liability policies exclude damage and liability from these kinds of events. Specialty policies offer coverage that can be customized to fit the needs of an organization. Commercial cyber insurance is a type of business insurance designed to protect a business'...

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- Published: 2017-06-22
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/manufacturing-insurance/
- Categories: Business Insurance

Manufacturing Insurance Ontario It's an understatement to say that manufacturing businesses are different. So many products can be manufactured, from food and beverages to electronic components, furniture and beyond. There are many different ways to go about the manufacturing process. The manufacturing industry is known for its complexity, requiring comprehensive business insurance and risk management strategies to protect manufacturers from the risks they face correctly. Morison Insurance brokers have the expertise to work with you to recognize the risk and put together the right manufacturing insurance quote to protect your manufacturing operation from the effects of unexpected expenses such as liability costs or property damage restoration. What is Manufacturing Insurance? Manufacturing insurance is a type of business insurance designed to address the needs of manufacturers in general and tailored to address the needs of your one-of-a-kind manufacturing business in particular. Manufacturers are exposed to a broad range of risks, starting with the possibility of damage to their commercial property, stock and inventory. A robust package of the right property insurance coverages is critical for manufacturing insurance, as commercial property insurance gives manufacturers the necessary financial support to deal with costs such as building restoration, equipment repair and stock replacement following a disaster like a fire. Responsibility for the product does not stop after safely leaving the premises. A manufacturer is ultimately responsible for liability arising from using their product. Broad liability coverage is required not only for injury and resulting damage from its intended use but also for the product's...

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- Published: 2017-06-22
- Modified: 2021-09-14
- URL: https://staging.morisoninsurance.ca/personal-insurance/weddinguard-insurance/

Ontario Wedding Insurance A Weddinguard Insurance policy gives you an extra bit of reassurance for a very important moment in your life. This coverage offers protection for those few incidents that could occur during your special day. Packages include General Liability and Host Liquor Liability as well as options to cover other wedding necessities from the loss or damage of bridal attire, rings or wedding presents, to the loss of non-refundable deposits. If you are looking for Weddinguard Insurance, call Morison Insurance or click for a quote.

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- Published: 2017-06-22
- Modified: 2021-05-17
- URL: https://staging.morisoninsurance.ca/business-insurance/disability-and-critical-illness-insurance/

Disability & Critical Illness Insurance Coverage In addition to Life Insurance, Morison Insurance offers Disability and Critical Illness Coverage. To focus on one of these, specifically life insurance, we are often able to offer a much more cost-effective way to purchase mortgage insurance than coverage offered through lending institutions. Dental, Drug and Medical Coverage For our clients who do not have group medical coverage through their employer, we offer a wide range of alternative private coverages.

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- Published: 2017-06-22
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/st-catharines/
- Categories: Areas Served

St. Catharines Insurance Brokers Looking for an insurance broker in St. Catharines, Ontario? Morison Insurance is a family-owned and operated insurance brokerage with a team of trusted and licensed insurance brokers who are dedicated to putting your needs first. We offer a wide variety of insurance products from Canada's most well-known insurance companies. We will provide you with multiple insurance options, customized insurance policies, excellent customer service, and, most importantly, peace of mind knowing you have the proper insurance protection. Why Use A Broker To Get Insurance In St. Catharines? When you use a St. Catharines insurance broker, not only will you receive a dedicated broker who will provide expert advice, but they also provide advantages like having access to more insurance options, and they will help you get the best insurance coverage. Dedicated broker: A dedicated broker is exactly that, dedicated to you! At Morison Insurance St. Catharines, you will receive a dedicated broker who will provide personal customer service to answer your questions, provide insurance coverage options, customized solutions, and more. Your St. Catharines insurance broker will deal with the insurance provider directly so that you don't have to. Expert advice: An experienced St. Catharines insurance broker from Morison Insurance is here for you. We will take the time to answer questions, explain coverages, and provide expert advice to ensure you are properly protected. The best insurance coverage: Our priority is your protection. St. Catharines insurance brokers have access to dozens of insurance company partners to find the...

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- Published: 2017-06-22
- Modified: 2025-01-30
- URL: https://staging.morisoninsurance.ca/haldimand/
- Categories: Areas Served

Haldimand Insurance Brokers Our Haldimand Insurance Brokers have served the people of Haldimand County since the early 1900s. Our company and our Haldimand insurance brokers, who live in this vibrant community, have multi-generational roots in Haldimand and a deep commitment to the area. We provide insurance solutions to Haldimand residents in Caledonia, Fisherville, Hagersville, Cayuga, Dunnville, Selkirk, Jarvis and all places in between. And Morison Insurance's services extend way beyond home and auto insurance. We like to say that if you have it, we can insure it. That's because this is true. Everything from insuring your cottage to your ATV to your business. Morison Insurance can insure it all. Our Haldimand insurance office is located in Hagersville, ON, one of Haldimand's many beautiful towns. Our focus at Morison Insurance is on each customer and providing excellent customer service– knowing and caring for every customer, meeting your insurance needs and exceeding your expectations. It is this commitment that, in part, won us the title of #1 Insurance Brokerage in Ontario from the Insurance Brokers Association of Ontario. It is also why we consistently win local awards in Haldimand for best insurance brokerage and best Haldimand insurance brokers. At Morison Insurance, our insurance professionals work for our customers, and your protection is very important to us. Getting a good price on your insurance matters too. The insurance experts at Morison Insurance will get you the insurance you require at a competitive price. We shop across Canada at 20+ insurance companies to get...

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- Published: 2017-06-21
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/car-insurance/
- Categories: Auto Insurance

Car Insurance In Ontario. Simplified. Over 150,000 Canadians are injured on the road each year. This number only increases when counting the total overall collisions in Canada. The reality is that no matter how experienced you are at driving, you can never be sure of what or who you'll encounter on the road. Accidents do happen. Some things are out of your control, but what we have in our control are the measures set in place just in case of a collision. When you have an Ontario car insurance policy that's right for you, you have the comfort of knowing that you are protected. Navigating all the available policies can be tedious and confusing—and you shouldn't have to do it alone. Instead, one of our qualified car insurance brokers will take care of the hard part for you by shopping dozens of insurance companies to find the best car insurance coverage for your needs. What Is Car Insurance? Car Insurance, or auto insurance, is insurance coverage for cars, trucks and other road vehicles. Car insurance provides financial protection against physical damage or bodily injury resulting from Ontario traffic accidents. Car insurance also provides protection against liability that could also arise from incidents in a vehicle. Who Needs Car Insurance In Ontario? Anyone who owns a vehicle needs car insurance. Ontario drivers are usually already well aware that car insurance is mandatory. Legally, everyone must have car insurance to drive, and you must produce proof of insurance if requested by a...

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- Published: 2017-06-21
- Modified: 2024-12-20
- URL: https://staging.morisoninsurance.ca/hamilton/
- Categories: Areas Served

Hamilton Insurance Brokers If you are searching for an insurance broker in Hamilton, look no further than our brokers at Morison Insurance. Morison Insurance Hamilton is an award-winning, full-service brokerage that offers a wide-range of high-quality insurance products from dozens of leading insurance companies across Canada. Hamilton insurance brokers will provide you with multiple insurance options, customized insurance policies, excellent customer service, and most importantly, the proper insurance coverage. Our team of experienced insurance professionals are ready to serve you. Why Use A Broker To Get Insurance In Hamilton? Using a Hamilton insurance broker has many benefits including having access to more insurance options, receiving the best insurance coverage, expert advice at your fingertips, and you will have a dedicated broker. More insurance options: By using a full-service insurance broker in Hamilton, you have access to multiple insurance options offered by leading Canadian insurance companies. Direct insurers are only able to sell the insurance products they offer. Hamilton insurance brokers provide more options and products. The best insurance coverage: Hamilton insurance brokers have access to many insurer partners which allows them to compare quotes and create custom insurance policies to ensure you have the best coverage for your insurance needs. Expert advice: Insurance can be confusing, that's why it's important to have licensed insurance brokers on your side. Our goal is to ensure you have the best insurance coverage so we will take the time to answer questions, explain coverages, and provide advice. Dedicated broker: Professional and personal service is...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/car-insurance/discounts/
- Categories: Auto Insurance

Car Insurance Discounts And Savings in Ontario Having car insurance is a necessary—and legal—part of being a car owner. But sometimes insurance can get very expensive very quickly, and to get the coverage you need, you feel like you need to pay an arm and a leg. But insurance doesn’t have to be expensive: just ask your insurance broker about possible car insurance discounts in Ontario that are available for you. At Morison Insurance, we believe that getting auto insurance for your business or personal life shouldn't be difficult and that the cost of car insurance should be a significant hurdle to car ownership. That’s why our team works hard with top auto insurance partners with access to insurance discounts that help you save on your vehicle insurance. From bundling car policies to rewarding you for being a good driver, we’ll find the car insurance discounts you need to make insuring your car affordable for any budget. What Is a Car Insurance Discount? An auto insurance discount is an opportunity to save on your car insurance. Canadian insurance companies provide potential saving opportunities by reducing insurance premiums when certain criteria are met by customers. Sometimes they can be as simple as remaining with the same insurance provider for a number of years. Others may require you to drive a certain type of vehicle or drive a certain way. Ultimately, they all aim to make it more affordable to be a car owner by helping to discount car insurance. Dozens of...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/condo-insurance/
- Categories: Home Insurance

Condo Insurance Ontario Condominium living requires specialized insurance to meet condo residents’ needs. Morison Insurance has the industry experience and knowledge to provide you with the best possible advice to look after your condo insurance. Ontario condominium unit owners may not realize they need their own separate condo insurance policy and insurance held by their condo association or corporation. Ontario condo insurance provides personal property coverage and personal liability. Our expert condo insurance brokers at Morison Insurance will ensure you have adequate coverage for your investment. What Is Condo Insurance? In Ontario, condo insurance provides protection against losses or damage to your condominium, your belongings, betterments and improvements you have made, and liability for insured damage or injury to others while in your condo are all part of condo insurance. Ontario homeowners who have invested in a condo should protect that investment with the right insurance coverage. It’s important to note that you also need liability coverage for common areas of your condominium building, such as the lobby or gym. It’s also a good idea to consider loss assessment coverage that will provide funds to cover the cost of a claim deductible should it be assessed to you by your condo corporation or association if there is damage to the building that exceeds the coverage limits of the condo association master policy. Is Condo Insurance Mandatory In Ontario? While it’s not legally mandatory to have condo insurance, Ontario condo residents may be required by their mortgage lender or condo corporation...

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/home-business-insurance/
- Categories: Business Insurance, Home Insurance

Ontario Home Based Business Insurance More and more people are operating businesses from their home. Having your business in your home can be perfect for many reasons, but it can also change everything. Business owners who operate from their homes require a home based business insurance policy to be properly protected. This policy is often not very expensive, but it is a wise investment and will protect your business and your home while giving you peace of mind. Our home based business insurance professionals at Morison insurance will provide insurance tailored to meet your needs. Your home policy does not cover damages or accidents that occur as a result of performing business operations out of your home. For this reason, it is important to add a home based business insurance endorsement to your homeowner insurance policy. It's best to speak with an insurance expert to ensure that you have the right Ontario home based business insurance policy. What is Home Based Business Insurance? Home based business insurance protects your home business from damages, losses and liabilities that may occur in your home as a result of the business that you conduct. Some of the things commonly covered include your office equipment, client liabilities, and business interruption if your home is ruined and renders you incapable of running your business as you otherwise would. A home based business insurance policy can usually be added to your property insurance as an endorsement to protect your business. It's important to note that different...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/
- Categories: Home Insurance

Home Insurance Ontario Homeowners Can Rely On We get it. You love your home. It's your castle, your sanctuary, your life. That's why you wouldn't ever want to worry about being unable to keep it safe and sound. With the right home insurance policy, you ensure your most significant investment is protected. In Canada, damage to homes caused by extreme weather averages a staggering $1 billion annually. This figure does not include other losses due to theft or accidents. Mishaps occur, and they can be costly. In the event of a loss covered by home insurance, Ontario policyholders can expect help to rebuild their home, replace its contents, and provide the funds to cover additional living expenses if it is necessary to temporarily live elsewhere. Navigating all the available options can be tedious and confusing—and you shouldn't have to do it alone. A dedicated insurance broker, such as a Morison Insurance team member, can handle the hard part for you by starting a home insurance quote. Our insurance brokers will get quotes from several Canadian insurance companies with the goal of finding you the best homeowners insurance policy possible. What Is Home Insurance? Home insurance is a type of property insurance that covers costs such as building restoration and repair, along with the expense of replacing damaged, destroyed or stolen items. Home insurance policies can protect your assets and provide liability coverage in case of an accident in your home or property. This type of coverage ensures your private residence...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/cottage-insurance/
- Categories: Home Insurance, Recreational Insurance

Cottage Insurance Ontario There's nothing quite like spending glorious Ontario summers at the lake or in your countryside cottage. For many Ontario cottage owners, escaping to paradise and leaving the hassle of city life behind is the highlight of the year. Whether you go to one of the more popular locations like Muskoka and Gravenhurst or have a cottage in a smaller location, your seasonal home is a great break from your busy life. Children can take a break from school while splashing about in the water, and parents can escape their busy work lives. Enjoying time at the cottage is not only a welcome reprieve from city life but also a place where precious family memories are created. However, it's essential that you have cottage insurance to protect your home away from home. Since your cottage is likely vacant for part of the year, you'll want peace of mind knowing that it's covered in the event of an emergency if you are absent. Not to mention, while you're at the cottage, it's important to know you are financially protected should an accident occur. Whether your Ontario cottage is located in Georgian Bay, Haliburton, The Kawarthas, Huron County, Prince Edward County, Frontenac County, Muskoka, Wasaga Beach, Long Point, or elsewhere, cottage insurance brokers can tailor a policy to your specific needs. Our team of licensed, qualified brokers are experts at working with individuals who own multiple properties, including cottages. We will work diligently to ensure you have the best coverage...

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- Published: 2017-06-21
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/home-insurance/landlords-insurance/
- Categories: Home Insurance

Protect Your Rental Property With the Right Insurance for Landlords Do you rent out a residential property such as a house, condo unit, vacation cottage or apartment building? Whether you have long-term renters or lease your summer home, it's essential to have landlord insurance. Ontario home and property owners who rent out their property need a comprehensive landlord policy to help protect their property from a range of insured perils that aren't covered in a traditional homeowners policy. When you reach out to Morison Insurance about getting coverage for landlord insurance, Ontario’s top insurance brokers will find you a policy that meets all your insurance needs. Essentially, with the right landlord insurance, Ontario policies provide rental dwelling protection for property owners who rent their premises to others. As a landlord, you want to protect your rental property with the right landlord insurance. Ontario insurance professionals recommend this coverage because not only will this help protect you financially in the event of an emergency caused by an insured peril, such as a fire or certain water damage, but it will also help alleviate the costs and expenses of covered liability suits. Contact our team today to get a landlord insurance quote. What Is Landlord Insurance? Ontario landlord insurance is a type of insurance policy that financially protects your rental property in the event of an insured loss or damage. These insured perils are usually listed in your insurance policy. It's important to note that, under a policy for landlord insurance in...

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- Published: 2017-06-21
- Modified: 2021-09-13
- URL: https://staging.morisoninsurance.ca/party-alcohol-liability-insurance/

Party Alcohol Liability Insurance in Ontario Hosting a party? Party Alcohol Liability (PAL) Insurance coverage is a good idea if you are hosting an event such as a wedding reception, stag and doe, cocktail party or a banquet where alcohol will be served. When holding these types of events remember that a valid liquor licence must be obtained from the Liquor Control Board of Ontario. If you are renting a facility such as a banquet hall, you may be required to carry insurance as part of your rental agreement. Carefully review your rental contract to confirm if you are responsible for this type of insurance. Ensure you can relax and enjoy your event! For Party Alcohol Liability Insurance, call Morison Insurance or click here for a quote. Things to Consider When Purchasing Party Alcohol Liability Insurance Your Venue If you are planning to host an event in a venue that's open to the public, it is strongly recommended that you cover yourself against any potential liabilities. Many venues will actually require you to have party alcohol liability coverage before letting you rent the space out, so it's important to speak with your venue before starting on any plans. Even more private venues (like an event on your own property) can lead to mishaps owed to alcohol consumption and it's always best to play it safe and have protection in case any legal issues arise from your event. How Much Liability You'll Need The bigger the event, or the more guests...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/personal-insurance/personal-identity/

Ontario Personal Identity Theft Insurance Personal identity theft is one of the fastest-growing crimes in Canada. More and more Canadians are victims of identity theft every year. Furthermore, identity fraud is also on the rise. These are both mainly due to an increase in how much of people's personal information is online. However, even with this fact, even those who rarely, if ever, use the internet are not immune. Knowing this, any kind of identity theft coverage would be helpful for everyone. Due to people making more and more purchases online, an increase in online communication, and a general increase in internet use for personal and business purposes, identity theft will likely go even higher in the coming years. If you make purchases or payments online, you are at an increased risk of having your identity stolen. It takes an identity thief a shockingly short time to steal your identity, meaning that if you are a victim, the damage can be done before you're even aware that your identity was stolen. Personal identity theft insurance is your best defense against having to recover from this drastic event. What Is Personal Identity Theft Insurance? Personal identity theft insurance provides financial protection in the unfortunate and devastating event that your identity is stolen. Victims of personal identity theft are often left with the financial expenses of repairing the mess that the criminal left behind - this type of insurance covers such costs. Let's say that somehow, despite you keeping your data safe...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/home-insurance/tenant-insurance/

Ontario Tenant Insurance At first glance, renting can appear a lot less risky than owning. Renting means you’re not on the hook for property damage. However, less risk is different than no risk. While you no longer need to cover your home itself, you still need liability coverage for legal situations and content protection to keep your possessions safe. This is where tenants' insurance comes from. What Is Tenant Insurance? Tenants insurance, protects a tenant's most valuable and vulnerable items. Additionally, it provides insurance coverage for a tenant's personal liability exposures, including protecting the tenant against various damages and liabilities. It can also include additional protection, including financial protection in the event of theft, accidental damage to the property or unintentional bodily harm on the premises. Who Needs Tenant Insurance? If you currently rent the space you live in, you should strongly consider tenant insurance. Without tenant insurance, you have no coverage in the event of your belongings being stolen or accidental damage to the property. Additionally, if you are held legally responsible for something and need to pay court fees, you would be very vulnerable without tenants' insurance. Tenant insurance provides you with the peace of mind that your dwelling and valuables are protected against common risks and that, in the event of a disaster, your additional living expenses are covered. Is Tenant Insurance Mandatory In Ontario? Tenants insurance is not legally required or mandatory in Ontario. That said, it is very common that landlords will require you to...

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- Published: 2017-06-21
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/personal-insurance/water-damage-insurance/

Ontario Water Damage Insurance Did you know that your home insurance policy may not include sufficient water damage insurance? Furthermore, most policies only include coverage for the actual water damage and do not provide compensation for source problems. Every day homes across Canada suffer water damage as a result of sewer back up, over-land flood or rising body of water, and the risk of it happening at your home is on the rise. Severe weather events are becoming more frequent and causing more damage. The changing weather patterns are forcing the insurance industry to change policies to address these new and now common risks. Be sure that your your insurance policy provides the best coverage to protect your home and property if water damage should occur. What Is Water Damage Insurance? Water damage insurance additionally protects your home from water mishaps that aren't covered by your basic home insurance policy. Types of coverage that water damage insurance provides can include water damage due to flooding, sewer backup, plumbing, ice and snow, sump pump overflow as well as many others. This policy can be tailored to your unique needs. Who Needs Water Damage Insurance? If you own a home and have basic home insurance you may want to consider water damage insurance as an addition to your current policy. Because there are limitations to regular home insurance, you may not be protected from the expense of repairing root causes of water damage which can cost thousands of dollars. Don't drown in...

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/atv-insurance/
- Categories: Recreational Insurance

Ontario ATV Insurance ATVs (all-terrain vehicles) are defined as self-propelled, recreational vehicles with four or more wheels designed to be driven off-road on land, snow and ice. Ontario is a hotspot for ATV adventures because we have so many breath-takingly beautiful trails for recreational vehicle use. Many people enjoy their ATVs at the cottage or for exploring the beautiful nature Ontario has to offer, but not all ATV owners are aware that ATV insurance is mandatory on many of our Ontario trails. The experienced brokers at Morison Insurance can provide you with the protection you need and tailor an ATV insurance policy that suits your specific needs. What is ATV Insurance? Whether you use your ATV or off road vehicle for practical purposes or just the pure joy and exhilaration of exploring in the wild, it's important to be protected by the right ATV insurance, which is a type of personal insurance. Coverage for all-terrain vehicles protects you from paying staggering legal fees, medical bills, settlement costs and replacement expenses in the event of an accident, damage, injury or theft of your all-terrain vehicle. ATV insurance can provide liability, collision and uninsured motorist coverages, among other possible coverage you may wish to include on your policy. Who Needs ATV Insurance in Ontario? If you plan to use your ATV to cross public roads or to use it on public property such as the many beautiful trails around Ontario, you legally need ATV Insurance. If your ATV use strictly stays on...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/personal-insurance/boat-insurance/
- Categories: Recreational Insurance

Protect Your Watercraft With the Boat Insurance Ontario Can Rely On Ontario's lakes and waterways offer some of the best boating in the world. From fishing trips and family outings to networking opportunities and romantic evenings on the water, the boating lifestyle can take your recreational time to the next level. However, unexpected events can cause damage or loss to even the most well-prepared watercraft, so it’s important to protect yourself with the right type of boat insurance in Ontario. The Ontario boat insurance brokers from Morison Insurance are Ontario residents like you and have many years of experience in offering personal insurance for boats and watercraft of all types and sizes, from large cruisers to fishing boats and sailboats to power boats. We have well-trained, experienced and knowledgeable boat insurance brokers who will work with you to develop a personalized boat or watercraft policy so you can feel properly covered during boating season. What Is Boat Insurance? Ontario boat insurance is a type of personal insurance policy designed to help protect motorized watercraft, including leisure craft, yachts, pontoons, fishing boats and sailboats. By having boat or watercraft insurance in Ontario, you can ensure that you and your personal watercraft or its equipment have the financial coverage needed in the event of an accident, emergency or another unfortunate event that causes damage or loss. Ontario boat insurance coverage can include collision damage, property damage (including damage done to another boat, dock or other structures), and personal injury. However, it can...

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- Published: 2017-06-21
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/car-insurance/classic-car-insurance/
- Categories: Auto Insurance, Recreational Insurance

Classic Car Insurance for Ontario Vehicle Enthusiasts For those who love the beauty, function, restoration, and vintage appeal of classic cars, there's nothing quite like cruising down to the local show 'n' shine to display their prized possession or spending a weekend tinkering away in the garage with a wrench and a polishing cloth. Whether you intend to get out on the road and enjoy the looks on the faces of passersby when they see your beautiful classic car, or you prefer to keep it in the garage as a never-ending source of restoration fun, you need the reassurance that your classic car is protected with insurance coverage that is perfectly suited to your needs. Protecting it with the right classic car insurance is essential if you have a classic car. Classic cars are quite different from standard automobiles, requiring specialized insurance coverage. Classic car insurance from Morison Insurance will give you peace of mind knowing your classic car is properly protected. What Is Classic Car Insurance? Classic car insurance provides protection for collectible vehicles. Classic car insurance is different from standard auto insurance because of the different risks associated with owning these kinds of rare vehicles. A classic car policy is tailored to the value of your car. It will protect you financially against the higher physical and economic costs in the event of an incident with a classic car. Who Needs Classic Car Insurance In Ontario? You need classic car insurance if your car is considered a classic...

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- Published: 2017-06-21
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/personal-insurance/snowmobile-insurance/
- Categories: Recreational Insurance

Ontario Snowmobile Insurance In the True North Strong and Free, it makes sense to have a winter hobby that gets you out and about during the winter months—and there's nothing quite like jumping on your snowmobile and leaving fresh tracks in a smooth, sparkling blanket of snow. This means you can turn a situation that most people find inconvenient into a fun opportunity to engage in an exciting seasonal hobby. Luckily, Canada is one of the best places in the world for snowmobile enthusiasts to enjoy their favourite hobby. Ontario has some of the most picturesque snowmobile trails in Canada. More than 30,000 kilometres of interconnected, uncongested trails in Ontario are just waiting for you and your snowmobile. But snowmobiling isn't without risks. Like any motorized vehicle, there's a chance that you could be injured or damage your snowmobile—or injure someone else or damage their property. Whether you are sledding around your yard, taking your snowmobile for a quick spin, or going on a long trek in a well-treed winter wonderland, ensure you are appropriately insured by speaking with the experienced outdoor recreation insurance experts at Morison Insurance. Ontario snowmobile insurance offers protection against liability claims and lawsuits arising from using your snowmobile up to the policy limits, so you don't have to pay for legal costs and medical expenses out of your pocket. It also supports you if you are injured, or your snowmobile is damaged by helping to cover your own medical or funeral expenses. What Is Snowmobile...

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- Published: 2017-06-21
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/personal-insurance/rental-car-insurance/

Ontario Rental Car Insurance Rental car coverage will cover the cost of a rental vehicle while your vehicle is being repaired or replaced (if the damage or loss is caused by a peril for which you are insured). In order to purchase Rental Vehicle Insurance, you must have collision and comprehensive on your auto policy. Pricing typically ranges anywhere from between $20 to $30 for the entire term of the policy. Where Can I Buy Rental Car Insurance Coverage? If you are looking for rental car insurance, contact the car insurance experts at Morison Insurance. We would be delighted to assist you in finding the best insurance coverage for your specific needs. Get started today by filling out the form on our website, or by calling 1-800-463-8074.

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/personal-insurance/rv-insurance/
- Categories: Recreational Insurance

Comprehensive RV Insurance Ontario Can Count On RVs are an exceedingly popular way to vacation and enjoy camping adventures in Ontario. It's your mobile home away from home, so it's important to have the proper protection for your family and your RV. In the event of an insurance claim, without the proper insurance, you can be held financially liable for any repairs or liability costs. So it is essential to protect you and your investment with the right RV insurance. When it comes to RV insurance, Ontario’s adventure seekers need policies designed to their needs, and that’s exactly what you get when you choose Morison Insurance for all your insurance needs. Ontario brokers at Morison Insurance will ensure that you get the coverage you need, no matter the type of motor home or recreational vehicle you have. What Is RV Insurance? Ontario RV insurance, also known as motorhome insurance, is a type of personal insurance policy designed to help financially protect owners of motor homes and recreational vehicles against potential loss, damage, and liability claims to their RV. RV insurance protects your motor vehicle and provides coverage in the event of a loss or damage to the vehicle, contents, and personal belongings. RV insurance in Ontario also provides liability coverage for the recreational vehicle. Is RV Insurance Required By Law? If you own a motorized RV that you can drive on the road, it is important to have mandatory protection as it is legally required in Ontario that you have...

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- Published: 2017-06-21
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/car-insurance/usage-based-insurance/
- Categories: Auto Insurance

Usage-Based Insurance in Ontario Usage-based insurance (UBI) is auto insurance designed to reward good driving behaviours. By downloading an app onto your smartphone or by installing a small plug-in device to your vehicle, the insurance company will be able to assess your driving behaviour through UBI technology. Assessment is based on factors such as hard braking, rapid acceleration, time of day the vehicle is driven, speeding, and distracted driving. Usage-based insurance can help you save money on your insurance. You can save roughly 5% to 10% immediately for signing up and could earn a discount of up to 30% based on your driving habits. What Is Usage-Based Insurance? Usage-based car insurance is a plug-in device that uses technology-driven auto insurance that assesses safe driving behaviours such as speed patterns, distance travelled, acceleration rates, hard-braking habits, as well as the time of day you drive. Your premium is evaluated based on this data allowing you to save money for safe and responsible driving. Who Needs Usage-Based Insurance? Ontario drivers interested in saving money should consider usage-based insurance especially if you are a safe driver or you drive a limited number of kilometres. Factors, such as distance driven, and other verified data can help insurance carriers better understand your vehicle usage and reward you with better car insurance premiums. An insurance broker can help you determine if usage-based insurance is the best option for your specific needs. How Does Usage-Based Insurance Work? Through a small plug-in device in your vehicle or an...

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/business-interruption-insurance/
- Categories: Business Insurance

Business Interruption Insurance Ontario When a business is running smoothly, everything seems great. Your customers are happy with what you're giving them, your employees are doing great work, and you are profiting from your passion. It doesn't matter if you're selling products that people love, providing a service that helps out your clients, or doing something that acts as a combination of both; when business is good, life is good. Although you can take reasonable precautions to ensure that everything will run according to plan, there is always the possibility that something out of your control will cause your business to shut down. Every business is vulnerable to potential risks that could force them to shut down temporarily. Luckily, you can protect yourself financially from many risks with business interruption insurance in Ontario. What Is Business Interruption Insurance? Business interruption insurance is a form of business insurance and commercial property insurance that you need to get insurance compensation and avoid severe financial losses if your business is required to shut down for reasons beyond your control. This could happen for many reasons, most of which are due to physical damage to the location. Suppose your headquarters, storefront, or possibly another needed building is required to shut down temporarily due to an insured event such as a fire, natural disaster, or other physical damage loss. In that case, business interruption insurance will help your business make it through this rough stretch so you can get back to business as usual as...

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/commercial-automobile-and-fleet-insurance/
- Categories: Auto Insurance, Business Insurance

Ontario Commercial Auto Insurance & Fleet Insurance A commercial automobile or fleet policy is an auto insurance policy designed for the use of your vehicle or vehicles in a business rather than for personal use. Vehicles owned or used by the business or its employees on company business are included. Our experienced insurance brokers know how to identify and manage many of the risk factors in your business and will translate that knowledge into an insurance package to meet your needs. What Is Commercial Auto Insurance? Commercial auto insurance ensures your business vehicles are properly protected for physical damage and liability coverages for amounts, situations, and business usage. The policy protects your business vehicle from collisions and other damages that can occur. Who Needs Commercial Auto Insurance? Commercial auto insurance covers vehicles like cars, trucks, vans and trailers that are used for business or working purposes. So whether you own a large trucking company, are a Farmer and use your vehicle for farming purposes, are a large or small contractor that uses your vehicle to drive to various job sites, are a local retail store owner that uses your vehicle to pick up stock, you will need commercial auto insurance for all the vehicles you use for business, even if it is only occasionally. Additional Commercial Auto Insurance Coverages to Consider Garage Auto Insurance You may need a garage auto policy in addition to a Commercial General Liability insurance policy if you own an auto body shop, automotive repair garage...

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- Published: 2017-06-21
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/business-insurance/commercial-general-liability-insurance/
- Categories: Business Insurance

Commercial General Liability Insurance In Ontario Many factors contribute to the success of a business. As a business owner, you know what it takes. A few important factors are hard work, focus, planning, and great staff. Regardless of the type of business you run or the industry you operate in, you are exposed to certain liability risks, such as being sued for allegedly causing third-party bodily injury or third-party property damage, that can cause significant upheaval in your business and compromise your financial success. The solution to managing those risks is having the right commercial general liability insurance package in Ontario. When it comes to insurance, you want to be sure your business is adequately protected. Commercial general liability insurance is designed to protect all of your company's assets should you incur litigation expenses due to having legal action brought against you in court for an insured peril. What Is Commercial General Liability Insurance? Commercial general liability (CGL) insurance is a type of business insurance policy that provides coverage for your business against claims for bodily injury and property damage to third parties arising from your premises, operations, products and completed operations. When considering business coverage such as commercial general liability insurance, Ontario business owners should note that CGL is a broad type of insurance policy that varies between types of businesses. It covers general liability risks associated with your business, meaning your commercial general liability insurance company would provide funds to cover legal defence fees, settlement costs, medical expenses...

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- Published: 2017-06-21
- Modified: 2025-02-19
- URL: https://staging.morisoninsurance.ca/business-insurance/commercial-umbrella/
- Categories: Business Insurance

Ontario Excess Liability Insurance or Commercial Umbrella Insurance Business insurance is complex, and one of the most challenging parts is also one of the most necessary: understanding how much liability coverage you need and ensuring that you have it in the right amounts and on the right policies. This is why experienced commercial insurance brokers, such as the experts at Morison Insurance, recommend that business owners have Ontario Excess Liability insurance or Commercial Umbrella Liability insurance. Both Excess Liability insurance and Commercial Umbrella Liability insurance give you the peace of mind that comes with knowing you are covered with the protection you need to avoid paying out of pocket should your company be sued. Even in more extreme situations where the cost of your legal defence and court-ordered settlements could far exceed the typical expense. Speak to your knowledgeable Morison Insurance Broker today to learn about these crucial liability coverages and how they can benefit your commercial business. What Are Commercial Umbrella and Excess Liability Insurance? Commercial Umbrella Liability or Excess Liability insurance increases a company's liability limit on multiple policies or one specific business insurance policy. It complements existing Commercial General Liability insurance coverage by providing an extra layer of protection on top of the original or underlying policy or policies. A Commercial Umbrella Liability or Excess Liability insurance policy responds to eligible losses after the primary or underlying liability insurance limit is reached. In the event of a loss, the liability portion of the underlying policy is the...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/contractors-insurance/
- Categories: Business Insurance

Insurance For Contractors In Ontario As a contractor and builder, you know that when you need a hammer, you use a hammer. When you need a drill, you use a drill. You choose the right one when you need a specific tool to do a job properly. Using the proper tool is critical; you will want to do the same regarding contractor insurance. Contractor insurance is a tool to ensure you, your business, and your employees are appropriately protected from risks arising while operating your business, similar to how PPE protects you and your employees from physical danger. Proper protection is essential, so having the right contractor insurance is just as essential. Ontario contracting professionals who experience a loss could be left with a heavy bill if an accident were to occur. Those who have inadequate coverage, or even worse, no coverage, will need to pay these costs out of pocket. Such large costs could be crippling, especially for someone who runs an independent business. This is where insurance brokers can help. They will assist you with getting contract insurance quotes from leading insurance companies to get you the best coverage at a competitive price. As brokers, we aim to provide you with the peace of mind that comes with knowing you have the right contractor insurance so you can focus on what you do best: operating and growing your company while serving your clients. What Is Contractor Insurance? Contractor insurance is a specialized business insurance policy tailored to a...

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/directors-and-officers-insurance/
- Categories: Business Insurance

Ontario Directors And Officers Insurance Coverage Any company that grows large enough will eventually require some directors and officers within its corporate structure. While a company owner can make all the critical decisions in a small company, once it becomes a more complex business, this can no longer work. Maybe it needs people who can cover the owner's blind spots. Perhaps the problem is with the sheer number of decisions. Sometimes, it's a combination of both. Regardless of the reason, the company needs people to make difficult decisions. These decisions, however, could have massive legal repercussions, and directors and officers insurance is the best way to shield the company from the consequences of an incorrect action. What Is Directors And Officers Insurance? Directors and officers insurance (also known as D&O Insurance) is a form of business insurance that provides coverage for company executives and directors against wrongful acts up to the coverage limits. It covers your highest-ranking employees, such as your board of directors. These wrongful acts might include actual or alleged errors, omissions, misleading statements, and neglect or breach of duty on the part of a board of directors member. The D&O insurance policy will provide the resources and expertise to defend the board and individual members against the allegation. Defence costs are sometimes included as part of the overall policy limit, in addition to protecting against fees and fines one could face, so knowing the total limit is essential. Note that this protection is provided whether the individual...

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- Published: 2017-06-21
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/business-insurance/errors-and-omissions-insurance/
- Categories: Business Insurance

Errors And Omissions Insurance Ontario Errors and omissions insurance (also known as E&O insurance) is professional liability coverage required by various individuals and companies that provide professional services where mistakes can have significant consequences. This includes industries such as accounting and other financial services, engineers, marketing, consultants, IT services, graphic designers, and many more. Despite the high skill and best intentions of those in these fields, a professional error or omission in the performance of their services could cause financial type losses to their customers. Everyone makes mistakes from time to time, so it is important that the proper protection is in place. When you also realize that such mistakes can cost thousands of dollars in court costs and lawyers, the extra level of protection becomes well worth it. Liability arising from losses from a professional service is excluded under the standard business insurance commercial general liability policy without errors and omissions insurance coverage added. Ontario business owners should be aware that legal expenses to defend suits of alleged failure to provide adequate professional services can be significant. Legal costs for defending these suits may be covered under an errors and omissions policy. What Is Errors And Omissions Insurance? Errors and omissions insurance is a form of professional liability insurance that protects a business and its employees from paying out of pocket for covered expenses and damages related to legal claims made by clients for presumed mistakes and missteps resulting in financial damage. The list of mistakes that may be...

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- Published: 2017-06-21
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/business-insurance/environmental-pollution-liability-insurance/

Ontario Environmental or Pollution Liability Insurance Environmental or Pollution Liability Insurance is designed for Commercial property owners, Businesses and Contractors that may experience environmental risks in their course of business. Businesses with the potential for environmental contamination should consider adding Pollution Liability coverage to their policy or purchasing a stand-alone Pollution Liability policy as an important part of their risk management program. If you are looking for Environmental or Pollution Liability Insurance, Call Morison Insurance to speak directly with a licensed broker about your unique situation. Get the best Environmental Liability Insurance Ontario has to offer and the most competitive rates.

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- Published: 2017-06-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/business-insurance/equipment-breakdown-insurance/
- Categories: Business Insurance

Machinery & Equipment Breakdown Insurance Ontario Can Count On One of the best things about the modern world is the vast amount of technology we have. We now have the ability to do entirely new activities in our lives, and plenty of the things we’ve always been able to do can now be done more efficiently. While this has had an incredibly positive impact on our personal lives, businesses have also benefited greatly. It was only a few decades ago when wonders such as heating and air conditioning didn’t exist, which impacts any business with a physical location, making their clients and employees much more comfortable. Massive refrigeration systems keep plenty of food at a cold enough temperature for long enough to be stored on-site and then sold to a customer. It also goes beyond temperature control, as many factories physically couldn’t function without the machines helping with the production process. Almost every business is helped by some advanced tech, and many companies, such as factories, need their expensive equipment to function as intended. This seems fine until it isn’t. Much of this technology’s output can’t be replaced by human labour, meaning that if it shuts down, then the company using it is in a tough situation. Luckily, there is machinery breakdown insurance. Ontario commercial policies with this insurance coverage ensure that when your business suffers from an unexpected machinery breakdown, you have the protection you need to recover from unexpected equipment downtime and repairs. Different businesses will have different...

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- Published: 2017-06-14
- Modified: 2025-05-06
- URL: https://staging.morisoninsurance.ca/oakville/
- Categories: Areas Served

Oakville Insurance Brokers Morison Insurance Oakville is an award-winning, full-service insurance brokerage that offers a wide range of personal insurance and commercial insurance products from dozens of leading Canadian insurance companies. As an independent insurance broker, we will provide you with multiple coverage options, customized insurance policies, and excellent customer service. No matter what insurance product your are looking for, our Oakville insurance brokers are here to help. Why Use A Broker To Get Insurance In Oakville? There are numerous benefits to using an Oakville insurance broker. When you use an Oakville insurance broker you will have a dedicated broker who will provide access to more insurance options where you will receive personalized insurance coverage and expert advice to ensure you are properly protected. Dedicated broker: At Morison Insurance Oakville, each customer will receive a dedicated broker who will be available to answer questions, explain coverages, compare quotes, asses your insurance needs, and so much more. Your dedicated Oakville insurance broker will deal with the insurance company directly, so that you don't have to. So sit back and relax while we do the work for you. More insurance options: By using a full-service insurance brokerage in Oakville, you have access to multiple insurance options and products offered by leading Canadian insurers. Direct insurers are only able to sell the insurance products they offer. Oakville insurance brokers provide more options and products. The best insurance coverage: Oakville insurance brokers have access to many insurer partners which allows them to compare quotes...

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- Published: 2017-06-14
- Modified: 2024-09-30
- URL: https://staging.morisoninsurance.ca/personal-insurance/travel-insurance/

Ontario Travel Insurance Travelling outside of Ontario? In most situations, OHIP will not cover all the medical expenses related to a medical emergency occurring outside of Ontario. The most obvious expenses are those actually related to medical services. Typically these expenses are higher in other jurisdictions. OHIP will only cover what the cost would be if the services were provided in Ontario. The shortfall can be staggering. In addition to medical treatment, other costs can be significant, such as the cost of emergency transport home or the cost of having a caregiver travel to where the patient is located. Some employee group benefit plans provide travel insurance coverage, and some credit cards offer protection. however, it is important to keep in mind that coverage may be limited. Also, travellers relying on these often are not aware of how pre-existing medical conditions can affect coverage. At Morison Insurance we review each situation carefully to ensure proper coverage is in place. What Is Travel Insurance? Travel insurance exists to protect you from various expenses that can occur while travelling such as medical, lost luggage, trip delays or cancellation and other potential mishaps. Travel insurance is tailored very specifically to you, your physical wellness and the location to which you are travelling. Who Needs Travel Insurance? You might have insurance through your employer or financial institution, but this type of policy is often limited and doesn't cover a wide range of mishaps that commonly occur during travel. Travel medical claims can reach hundreds...

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- Published: 2017-06-13
- Modified: 2022-05-31
- URL: https://staging.morisoninsurance.ca/about-us/why-choose-morison/

Why Choose Morison Insurance? What really matters to you? If you are like most people, protecting your family and your assets tops the list. That’s where Morison Insurance can help. If you have it, we can insure it. We will protect your home and your automobiles, your property, your business, and most anything else with the right insurance. We will work quickly to get you the right policy coverages at the right price. The reasons for choosing Morison Insurance are many: We Are Focused On Our Customers Morison Insurance is an independent insurance brokerage. Our loyalty is to our customers. We are not employed by any insurance companies. We represent insurance companies across Canada to offer you a variety of insurance to make sure you get what you need. When it comes to insurance, one size does not fit all. We Provide Choices You should have choices for buying insurance. Your insurance needs are specific to you. Our brokers are trained to assess your individual insurance needs. We shop dozens of companies to find the coverage that fits your individual requirements, and we look for the best price for you. That is our commitment. We Provide Knowledge Our brokers have in-depth knowledge of insurance, provide personal service and are licensed and trained through the Registered Insurance Brokers of Ontario. We will ask questions about your needs, and compare coverages and prices. We will also compare home insurance discounts and auto insurance discounts to get you an even better price whenever...

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- Published: 2017-06-13
- Modified: 2025-04-30
- URL: https://staging.morisoninsurance.ca/refer-a-friend/

Learn about our 10&10 Referral Rewards Program! For each new customer a Morison Insurance client refers our way, they will receive a $10 Tim Hortons’ gift card... and so will their friend or family member! It is truly that simple. After your friend or family member receives their first free, no obligation quote, you will each receive a $10 Tim Hortons’ gift card. * We love referrals. If you would like to refer us to someone and enjoy our referral rewards, call us at 1-800-463-8074 or call your broker directly. You can always email us at info@morisoninsurance. ca. We will look after the rest of the details! Has someone referred you? Get a Quote Right Now Basic Terms (our lawyers made us do it! ) For each referred individual who receives a quote from a Morison Insurance broker, they will receive a $10 Tim Hortons’ gift card in the mail. The client who referred the individual who received the quote from a Morison Insurance broker will also receive a $10 Tim Hortons’ gift card in the mail. The referred individual must provide Morison Insurance with their full name, contact information and existing insurance expiry date(s) by calling 1-800-463-8074. They must also provide the first and last name of the person who referred them. For the purposes of this explanation, a Morison Insurance client is defined as a customer who has any number of active insurance policies with Morison Insurance Brokers Inc. After becoming a Morison Insurance client, additional insurance products...

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- Published: 2017-06-13
- Modified: 2024-08-16
- URL: https://staging.morisoninsurance.ca/about-us/our-partners/

At Morison Insurance we represent many of Canada's most respected insurance companies. All of them provide competitive prices, excellent service, and outstanding claims service. See our Partners below.

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- Published: 2017-06-12
- Modified: 2024-12-04
- URL: https://staging.morisoninsurance.ca/personal-insurance/motorcycle-insurance/

Ontario Motorcycle Insurance Do you enjoy the freedom of hitting the road on two wheels? Whether you drive your motorcycle for fun or work, at Morison Insurance, we will help you find motorcycle insurance coverage that fits your specific needs. Our Morison Insurance team knows what to look for when insuring motorcycles. We offer exceptional rates for our clients who bundle their home and auto insurance with their motorcycle insurance. What Is Motorcycle Insurance? Motorcycle insurance financially protects you and your motorcycle from damage and liability in the event of an accident. Motorcycle insurance will protect you in the event that you are responsible for someone's injury or damage to their property. This comprehensive type of insurance will cover legal fees or damage costs that may arise. Who Needs Motorcycle Insurance? If you own a motorcycle, you are legally required to have motorcycle insurance by the province of Ontario. The purpose of motorcycle insurance is to protect you from the expenses that may arise in the event of misfortune. Without coverage, you will not only be fined but responsible for full payment of any damages and liabilities including your legal fees. Motorcycle insurance is imperative to your peace of mind when you hit the open road.

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- Published: 2025-06-26
- Modified: 2025-06-26
- URL: https://staging.morisoninsurance.ca/news/insurance-deductible/
- Categories: Insurance Tips

Key Takeaways An insurance deductible is the amount you pay out of pocket before your insurance covers the rest of a claim. Deductibles help share risk, discourage small or fraudulent claims, and can lower insurance premiums. Common types include collision, comprehensive, standard, and zero-deductible options. In some cases—like when another party is at fault—you may not need to pay a deductible. Higher deductibles typically reduce your monthly premiums but increase your upfront costs. Speak with a Morison Insurance broker to choose the right deductible based on your budget and risk tolerance. What Is an Insurance Deductible? An insurance deductible is the amount you are responsible for paying before your insurer covers the remaining cost of a claim. This applies to home insurance, car insurance, business insurance, and other policy types. Depending on your policy, the deductible may be: A fixed dollar amount (e. g. , $500, $1,000) A percentage of the claim (common in certain high-value property policies) Example If your deductible is $1,000 and you file a claim for $5,000 in damages, you would pay $1,000 and your insurer would pay the remaining $4,000. Why Do Insurance Policies Include Deductibles? Insurance deductibles exist for several important reasons: Share risk between the policyholder and the insurer Reduce small claims and associated administrative costs Discourage fraudulent or unnecessary claims Promote responsible behavior and reduce reckless activity Lower your insurance premiums—higher deductibles usually equal lower premiums Deductibles make insurance more sustainable and ensure that it’s used primarily for significant or unexpected losses....

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- Published: 2025-06-19
- Modified: 2025-06-19
- URL: https://staging.morisoninsurance.ca/news/when-to-replace-roof/
- Categories: Home Insurance, Insurance Tips

Key Takeaways Properly maintaining your roof is essential for the safety, security, and comfort of your home, as it protects against weather and pests while enhancing curb appeal. Different roofing materials have varying lifespans; asphalt shingles typically last 15 to 30 years, while metal roofs can last 40 to 70 years, depending on the level of maintenance and care. Key indicators that it’s time to replace your roof include increased energy bills, sagging roof decking, visible water damage, and unusual growths like moss or mildew. Homeowners should regularly inspect their roofs for signs of deterioration, including missing or damaged shingles, visible light entering the attic, and corroded flashing. Ensuring that gutters and downspouts are free from blockages is crucial, as drainage issues can lead to water pooling on the roof, increasing the risk of damage. For peace of mind, homeowners should consider scheduling professional roof inspections, especially after severe weather, to identify potential issues early. Regular maintenance tasks, such as cleaning gutters, removing debris, and checking ventilation, can help extend the life of your roof and prevent major repairs. How to Tell When to Replace Roof Shingles, Shakes, and Tiles It may not seem like much, but a well-maintained roof ensures the safety, security, and comfort of your home while adding to its curb appeal. Without it, you will face immense threats from outside elements, such as weather and pests, struggle to maintain a comfortable indoor temperature, and incur costly repairs due to frequent water damage. But even the best...

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- Published: 2025-06-18
- Modified: 2025-06-18
- URL: https://staging.morisoninsurance.ca/news/buying-a-used-car/
- Categories: Auto Insurance, Insurance Tips

Key Takeaways Following a comprehensive checklist of what to look for when buying a used car in Ontario helps potential buyers make informed decisions and avoid costly mistakes. Obtain a comprehensive vehicle history report, such as the Ontario Used Vehicle Information Package (UVIP) or a CARFAX report, to understand the car's past ownership, any accidents, and maintenance records. Inspect the undercarriage for rust or leaks and check under the hood for fluid levels and wear on components, as these evaluations can reveal hidden issues that could lead to future repairs. Conduct a thorough inspection of the vehicle's exterior and interior for damage, signs of wear, or mechanical issues, ensuring all features function properly to avoid safety concerns. Test drive the vehicle and pay attention to any strange noises that may indicate mechanical problems, which could result in significant repair costs. Inquire about existing warranties or extended coverage options from dealerships, as these can provide additional protection against potential repair costs after purchase. If uncertain about the vehicle's condition, consider hiring a professional mechanic for a pre-purchase inspection to ensure the vehicle is safe and reliable before finalizing the purchase. Things to Look for When Buying a Used Car in Ontario Many Ontarians like yourself rely on their vehicle to get them where they need to go. Whether it’s a weekend excursion, commuting to work, or running seemingly endless errands, it’s hard for the average person to get from point A to point B without a car. As the cost of...

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- Published: 2025-06-03
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/defensive-driving-tips/
- Categories: Insurance Tips

Defensive Driving Key Takeaways Following defensive driving tips for Ontario drivers is an essential part of safe driving, emphasizing the importance of proactive decision-making and awareness to enhance road safety. Being prepared for your journey, such as checking weather conditions and knowing your route, can significantly reduce the risk of accidents and improve overall driving confidence. Regular vehicle maintenance, including checking brakes and windshield wipers, is critical for ensuring your car operates safely and effectively, preventing potential accidents. Constantly scanning ahead while driving helps identify potential hazards early, allowing for timely reactions to pedestrians, obstacles, or sudden changes in traffic conditions. Maintaining a safe following distance from other vehicles is crucial to allow yourself sufficient reaction time and space to respond to unexpected stops or erratic driver behavior. Properly managing your speed according to posted limits is important for safety, as speeding significantly increases the risk of collisions and severe accidents. Staying focused on driving by eliminating distractions, such as using mobile devices or eating, is vital for maintaining attention on the road and reducing the likelihood of accidents. Defensive Driving Tips All Ontario Drivers Should Know Depending on where you live in Ontario, you likely need to drive every day. But driving can be a dangerous activity, and all it can take is a second of taking your eyes off the road or one bad decision to cause an accident. But by practicing different defensive driving tips and techniques, you can help keep Ontario’s streets and highways safer. As...

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- Published: 2025-05-29
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/news/insurance-endorsements/
- Categories: Auto Insurance, Business Insurance, Home Insurance, Insurance Tips

What Is An Insurance Endorsement - Key Takeaways Insurance endorsements are essential for customizing your home, auto, and business insurance plans to ensure comprehensive protection. Insurance endorsements, also known as riders, enhance or clarify your base policy coverage, addressing specific risks that standard policies may not cover. Policyholders need insurance endorsements to get tailored coverage based on individual circumstances, such as location or specific activities, that protects against potential risks like floods or equipment breakdowns. There is a wide range of common endorsements available for various insurance types, including sewer backup coverage for home insurance and loss of vehicle use for auto insurance. While endorsements may increase insurance rates, they provide essential protection during unexpected events. Seek assistance from experienced brokers at Morison Insurance to navigate the endorsement process and ensure your policy meets your unique needs. Get the Right Types of Insurance Endorsements with Morison Insurance You are an individual. Sure, you may enjoy the same sports as your peers and love the same seasonal drinks as millions of other people, but your life is entirely different from other people's lives. So why settle for standardized insurance protection? Whatever your insurance needs are, you can count on your Morison Insurance broker to find an appropriate insurance endorsement. Standard policies provide a certain level of protection, but what if you need more to ensure your personal vehicle, home, valuables, or business are properly protected? By getting specialized endorsements in insurance policies, you can be sure you have the financial protection...

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- Published: 2025-05-22
- Modified: 2025-05-22
- URL: https://staging.morisoninsurance.ca/news/peril-meaning-in-insurance/
- Categories: Insurance Tips

Peril Insurance Meaning Key Takeaways: Insurance perils are unexpected events—like fire, theft, or storms—that can cause loss or damage to you or your property. Your insurance policy only covers specific perils, so it’s crucial to know what is included (or excluded). There are two main types of coverage: "named perils," which covers only listed events, and "all perils," which covers everything except specific exclusions. Not all disasters or damages are covered, so review your policy and talk to an insurance specialist to ensure you’re protected against the risks that matter most to you. What to Know About Insurance Perils: Explaining Peril Meaning in Insurance The whole point of insurance is to protect yourself in the face of the unexpected. These unexpected events are better known in the insurance world as perils and help determine what is or isn't covered by your insurance policy. But what is a peril in insurance, and why do you need coverage for it? That's why our team of expert brokers are here: to help you protect you, your car, your business, your family, and any valuable items against the cost of any unexpected events or perils. As Ontario's top experts in the insurance industry, the team at Morison Insurance is dedicated to helping you find the most comprehensive coverage for your needs, including determining what perils insurance coverage are necessary in your life. From weather-related perils to accidental impacts and unexpected equipment breakdowns, we'll help you find the best perils policy for you. Contact us...

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- Published: 2025-05-15
- Modified: 2025-05-15
- URL: https://staging.morisoninsurance.ca/news/types-of-travel-trailers/
- Categories: Insurance Tips, Recreational Insurance

There are a wide variety of travel trailers, and its important to choose the one best suited for your needs. The different types of travel trailers include classic travel trailers, fifth-wheel trailers, toy haulers, pop-up campers, pop-up hybrid trailers, teardrop trailers, truck campers, and park model trailers. Check the Gross Vehicle Weight Rating to ensure your towing vehicle can handle the weight of your towable camper. Ensure you have the proper travel trailer insurance coverage. Keep reading to learn more about the various types of travel trailers and to determine what one is best for you. A guide to the different types of camping trailers Travel trailers are a great option for camping, road trips or seasonal living whether you are looking to do solo trips or bring your family along. Travel trailers provide a more comfortable living space often including a kitchen, bathroom and sleeping arrangements. The majority of travel trailers are towed behind a vehicle making it a great option for those who like to travel. A benefit is that once you have arrived at your destination and unhooked your travel trailer, you can still drive your vehicle. A quick trip into town for a bag of chips or licorice is easy to do and you can leave your living area at the campsite. There is a wide range of travel trailer types all presenting different benefits and features. The key is to choose the type of travel trailer that is best suited for your needs. If you...

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- Published: 2025-05-14
- Modified: 2025-05-27
- URL: https://staging.morisoninsurance.ca/news/best-business-insurance-companies/
- Categories: Business Insurance, Insurance Tips

Best Business Insurance Companies - Key Takeaways Learn about the best business insurance companies in Ontario, including Aviva, Travelers, Intact, and more. Each offers unique benefits and tailored policies. It’s important to select the right business insurance to protect against risks like fire, theft, and liability. Every business has different needs, and finding a customized insurance policy is crucial for adequate protection. When choosing a business insurance company, look for those that emphasize timely support and responsive service to minimize business disruptions. With the right coverage, you can focus on growing your business without worrying about potential setbacks. Leverage the expertise of Morison Insurance brokers to navigate the complexities of business insurance and secure the best policy for your needs. Protect Against Business Risks With Insurance Solutions From the Best Business Insurance Companies in Ontario As a business owner, you work hard to make your business a success. But all of that can be gone in an instant if you don’t protect yourself with the right insurance. But getting the right insurance for your business can be tricky, and it can be hard to know if you are getting the right type of coverage. Plus, there are thousands of insurance companies to choose from, and how do you know if you are getting a good policy? Luckily, the business insurance brokers at Morison Insurance proudly works with the best business insurance companies available, and we’ll help you get the best possible business insurance policy. Every business is different, which means...

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- Published: 2025-05-08
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/news/roof-maintenance-tips/
- Categories: Home Insurance, Insurance Tips

Roof Maintenance Tips - Key Takeaways Roof maintenance tips are crucial for homeowners to extend the life of their roofs and prevent costly repairs. Regular inspections should be conducted to identify issues like missing shingles, water damage, and clogged gutters. Cleaning debris from the roof and gutters helps prevent moisture buildup and damage from ice damming. Proper tree care can reduce the risk of damage from falling branches and accumulated leaves. Applying protective coatings on roofs and ensuring proper attic ventilation are essential for preventing moisture-related problems. Seasonal maintenance, ideally twice a year, is recommended to address potential issues before they escalate. Homeowners should stay informed about their roofing systems to maintain safety and protect their property value. Our Top Roof Maintenance Tips for Homeowners As the crowning glory of your home, your roof plays a major role in protecting your home and ensuring it’s properly insulated and ventilated. If it’s damaged, it’s not just raccoons in the attic you’ve got to worry about. That’s why we’re sharing these roof maintenance tips to extend your roof's lifespan and ensure the health of your roofing system. At Morison Insurance, we know you love your home, and we want to ensure you can enjoy it for many years to come. Having a strong, well-maintained roofing system is crucial to that. By following these roof maintenance tips, you can prevent extensive damage by taking care of minor issues promptly and efficiently. Why Is Roof Maintenance Important? Your home’s exterior is responsible for preventing...

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- Published: 2025-05-07
- Modified: 2025-05-27
- URL: https://staging.morisoninsurance.ca/news/pool-safety-tips/
- Categories: Insurance Tips

Pool Safety Tips - Key Takeaways Pool safety tips are essential for reducing the risk of drowning and injuries during summer swimming activities. Always supervise children around water, and never swim alone to ensure immediate help is available in emergencies. Educate yourself and others on water safety skills, including swimming and CPR, to prepare for potential incidents. Secure your pool when not in use with barriers and safety devices to prevent accidents. Stay informed about weather conditions before swimming, as storms can pose significant dangers. Practice good hygiene and follow rules at public pools to maintain water safety and health. Consult your insurance provider to ensure you have appropriate coverage for pool-related incidents. Lifesaving Pool Safety Tips Everyone Should Know to Stay Safe Around Water Nothing helps you beat the heat better than taking a dip in a pool. Whether you enjoy splashing around with friends, showing off your awesome diving skills, or relaxing on a funky pool floatie, it’s a quintessential summer activity. But as much fun as it can be, it can be just as dangerous, so it’s important to follow some basic pool safety tips. The team at Morison Insurance wants you to stay safe while you’re having fun. That’s why we’re sharing some of our top pool safety tips. From water skills and CPR to securing your pool and washing before entering the pool, following these tips can help ensure you get the most enjoyment out of your pool time. Why Practice Pool and Water Safety?...

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- Published: 2025-04-28
- Modified: 2025-04-28
- URL: https://staging.morisoninsurance.ca/news/how-to-open-a-daycare/
- Categories: Business Insurance, Insurance Tips

How to Open a Daycare in Ontario: Starting a Home or Licensed Child Care Program You love kids and you’re passionate about early childhood education and development, so it just makes sense for you to open a daycare. But how many kids can you watch over? Do you need a childcare license? Are you allowed to open a daycare in your chosen area? Do you need home daycare insurance? Whether you have been in the industry for years and want to open your own daycare or you want to start a small operation that watches over the neighbourhood kids, it can be easy to become overwhelmed with all the rules and child care regulations. That’s where this guide for how to open a daycare in Ontario can come in handy. As your top insurance brokers, a natural consequence of providing expert insurance advice is that we learn a lot about the different industries we serve. We want your daycare business to be a success, so we’ve put together the top things you should do when considering how to open a home daycare in Ontario or any other type of daycare business. Research the Legal Requirements for Licensed Child Care and Unlicensed Businesses in Ontario Before you open your doors and start planning fun activities to keep the kids amused, there are a number of requirements to open a daycare in Ontario you should know about. In Ontario, there are some different licensing requirements depending on your business type, and the...

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- Published: 2025-04-03
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/news/workplace-safety-training/
- Categories: Business Insurance, Insurance Tips

Workplace Safety Training Across Canada, many workplaces make it their mission to ensure that adequate safety training is provided for employees and employers. Workplace safety training offers a range of benefits to both parties, as it ensures that employees are aware of common workplace hazards and avoid them. Workplace safety training is the key to fostering a safe workplace culture, so employees know that they are valued, respected, and protected. Employees are more likely to engage actively with safety protocols and report potential hazards when they feel supported. With this proactive approach, employees have the right knowledge so they know how to protect themselves in workplace emergencies. However, it also generates a safe, supportive culture within the organization. By empowering employees with regular safety practices, the company can reduce the risk of injury and increase productivity in the workplace. At Morison Insurance, we value safety and security, which is why we are here to educate you on the importance of workplace safety training. Comprehensive safety training programs are twofold; they create a safe work environment and enhance productivity and morale within the organization. The first step to protecting yourself in a potentially dangerous situation is knowing how to do so, but in order to learn how you have to start with the basics. And that begins with learning the importance of workplace safety training. What is Workplace Safety Training? In order to prioritize safety in the workplace, you have to know what a workplace safety program is. An employee safety...

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- Published: 2025-04-01
- Modified: 2025-04-01
- URL: https://staging.morisoninsurance.ca/news/starting-a-handyman-business/
- Categories: Insurance Tips

Expert Advice on Starting a Handyman Business in Ontario Do you have a passion for home repair? Are you skilled in everything from carpentry to tile work? Do you have a meticulous eye for detail and a can-do attitude when it comes to home improvement? If so, you may be considering starting a handyman or handywoman business. In Ontario, handyman professionals are crucial for ensuring properties stay in tip-top shape year-round, and due to the varying weather conditions and needs of property owners, demand for a professional handyman is high. But starting a handyman business can be daunting, especially if you don’t know where to start. At Morison Insurance, we want you to have a successful handyman business, and that’s why our commercial insurance brokers provide expert advice on what you need to consider when starting a handyman business. Starting any business can be tough, but with our expert team on your side, you can have peace of mind knowing you are getting the help you need to launch your handyman service successfully. Research and Develop a Business Plan Before starting a handyman business in Ontario, or any other business for that matter, you first need to research your chosen business and develop a business plan with your business goals. Researching your potential business field will give you a better idea of the type of services people will expect, any regulatory requirements, and allow you to craft a step by step plan for how to start a handyman business. Your...

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- Published: 2025-03-27
- Modified: 2025-03-27
- URL: https://staging.morisoninsurance.ca/news/best-home-insurance-companies/
- Categories: Home Insurance, Insurance Tips

The Best Home Insurance Companies in Ontario Your home is your biggest investment, so it makes sense to ensure you get comprehensive coverage options from the best home insurance companies. But home insurance isn't a one-size-fits-all solution, and with hundreds of insurers in the Canadian home insurance market vying for your attention, it can be overwhelming to determine the best home insurance company. Whether you are looking for home insurance, first-time homeowners insurance, condo insurance, secondary home insurance, rental property insurance, or any other personal property coverage, it is important that you choose the best home insurance company for your specific needs. That's where the expert advisors at Morison Insurance Brokers can help! We proudly work with dozens of insurance companies, so we know firsthand what makes an insurer stand out. Our team will compare coverages and annual premiums to find you the best insurance quote. To help you navigate your insurance options, our industry experts have put together a list of the best insurance companies in Ontario, in no particular order. We are here to help make your insurance process easy! Intact Insurance With a history spanning back to 1809, when they were known as the Halifax Fire Insurance Association, today, Intact Insurance is the largest insurance provider in Canada, ensuring over 5 million people and businesses. Their size is a consequence of being one of the best homeowners insurance companies in Ontario and other provinces, as they provide many cost-saving opportunities, and as you can get all your...

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- Published: 2025-03-25
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/aviva-journey/
- Categories: Auto Insurance, Insurance Tips

Benefit From Insurance Savings and Safer Driving with Aviva Journey You are a good driver. You drive at safe speeds, pay attention to crosswalks, brake easily, use your signals, and never look at your phone when driving. Insurance companies like good drivers, and they want to reward good habits in drivers. That’s why they offer programs like Aviva Journey, which aims to reward good drivers like yourself with an insurance discount on their auto insurance. Car insurance programs like Aviva Journey can seem intimidating to drivers, but at Morison Insurance, we can break it down for you so you understand the benefits of participating. Whether you are a new driver looking to save money on your personal car insurance policy or want to be rewarded for your good driving habits, Aviva Journey can help. Our Morison Insurance team has answered some frequently asked questions, but don’t forget to speak to an insurance broker to see if Aviva Journey will be a good fit for you. What Is Aviva Journey? Aviva Journey is a telematics insurance program offered by Aviva Insurance that aims to reward drivers with safe driving habits with lower insurance premiums. An app you install on your smartphone will record information using the phone's sensors, such as speed patterns, distance travelled, acceleration rates, braking habits, the time of day you drive, and more. It then uses this information to give you a safety score based on your driving habits, which will determine the savings on your auto insurance...

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- Published: 2025-03-20
- Modified: 2025-06-23
- URL: https://staging.morisoninsurance.ca/news/best-car-brands-in-canada/
- Categories: Auto Insurance, Insurance Tips

The Best Car Brands in Canada Driving is a necessity for many Canadians. Whether you are commuting to work, transporting your kids to a recreational activity, running errands, or going on a leisurely drive, you need a car that’s reliable, safe, and can stand up to the country’s varying conditions. Why not drive a vehicle from one of the best car brands in Canada? As your leading car insurance brokers, the team at Morison Insurance has thought long and hard about what makes for the best car brands in Canada. After all, it’s not just any average car that can make the drive in -30-degree weather while it’s snowing or allow you to navigate a series of winding roads with ease when visibility is less than ideal. That’s why we put together this list of the best car brands in Canada. So the next time you’re looking for your next car, consider one of these vehicle brands. What Makes a Good and Reliable Car in Canada? When considering the best car brands in Canada, we need to consider what factors make a car brand great. While every Canadian car shopper may have a different opinion on what makes a great car—ranging from detailed information about the engine to the colour—and have different top priorities when buying a used car or a brand new vehicle, there are some common features found in each of the best car brands in Canada including reliability, safety features, fuel efficiency, and innovative technology. Ultimately, these...

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- Published: 2025-03-18
- Modified: 2025-03-18
- URL: https://staging.morisoninsurance.ca/news/camping-checklist/
- Categories: Insurance Tips

The Essential Camping Packing List Guide Camping is a quintessential summer activity. Once warm weather hits, it seems like everyone starts itching to hit the road and head off to their favourite campsites. But it’s all too easy to forget something crucial when packing, only to discover when you’re at the camp, hours away from home, that you’re missing the tent poles. That’s where having a camping checklist when packing your camping gear and tools comes in handy. The team at Morison Insurance wants you to have a fun but safe summer. And in order to be properly prepared for camping, you need a lot of tools, equipment, and gear. Our Ontario insurance professionals have put together this camping essentials checklist for your convenience. No matter if it's your first time camping and sleeping under the stars or you go backpacking in national parks regularly, you can have peace of mind knowing that you didn't forget anything and will have plenty of fun around the campfire this trip. Why Do I Need a Camping Checklist When Packing for My Campsite in the Great Outdoors? Unless you are going on the ultimate glamping experience, you are unlikely to find everything you need to camp with at your campsite. In fact, chances are, whether you’re heading out to a designated campsite or a secluded place in the backcountry, you are unlikely to get everything you need out there, making it important to create a camping checklist of what you need to bring...

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- Published: 2025-03-11
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/news/third-party-liability-insurance/
- Categories: Auto Insurance, Business Insurance, Home Insurance, Insurance Tips

The Third-Party Liability Insurance Coverage Ontario Can Count On While we all want to be the ones responsible for a project's success, no one wants to be responsible for something that causes damage, especially if it impacts another person. With the right liability insurance coverage, you can be protected in the event of an unforeseen incident or accident that causes injury or property damage to a third party. When you need third-party liability insurance, Ontario brokers at Morison Insurance have got your back. No matter your personal or commercial insurance needs, having third-party liability protection in your policy will ensure that should you be at fault for an accident, you have the financial protection needed to remedy the damage to the other person(s) involved. With Morison Insurance by your side, you can rest assured you’ll have the proper coverage for third-party liability insurance in Ontario, no matter the policy it’s included in. What Is Third-Party Liability Insurance? Third-party insurance in Ontario provides financial protection if you are held liable for damages or injury to another person or their property. This type of third-party liability insurance is available for car insurance, home insurance, and business insurance. Ontario business insurance policies can also include different types of third-party liability insurance. Ontario insurance brokers at Morison Insurance will be more than happy to discuss how this liability coverage will help protect you and your home. What Is Covered by Third-Party Liability Insurance in Ontario? Typically, third-party liability insurance in Ontario will cover you...

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- Published: 2025-03-04
- Modified: 2025-03-04
- URL: https://staging.morisoninsurance.ca/news/spring-activities/
- Categories: Insurance Tips

These Fun Spring Activities Will Put a Spring In Your Step Now that the temperatures are rising and we’re shaking off winter’s gloom, it’s time to try out some fun spring activities. Whether you are trying something new or choosing an old favourite, doing a seasonal activity is a great way to welcome the coming season in Ontario. At Morison Insurance, we want you to enjoy the spring months safely while you have fun. We also recognize you can be overwhelmed with choices after months of being cooped up inside. That’s why our Ontario insurance brokers have put together this list of fun spring activities for you to try. Whether you pick an item below or it inspires you to try a different spring activity, we hope you enjoy yourself this season. 1. Gaze at Flowers One stereotypical spring activity is to take in the blooming flowers, and in Ontario, there is plenty to look at. In fact, you can probably walk down any street once spring is in full swing to admire the different colours and varieties of plants that are shaking off winter and are coming out in full bloom. But, if you really want to make your flower viewing trip exceptional, there are still plenty of places you can go for this spring activity. The Royal Botanical Gardens has 27 km of nature trails, 130 acres of cultivated gardens, and more than 242,000 individual plants for your viewing pleasure. Plus, in May, they have an amazing lilac...

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- Published: 2025-02-25
- Modified: 2025-02-25
- URL: https://staging.morisoninsurance.ca/news/home-appraisal-tips/
- Categories: Home Insurance, Insurance Tips

Maximize Your Home's Value There is no denying that Ontario’s housing market has seen a surge in recent activity. With increasing housing prices, it becomes all the more important to ensure that you can compete when selling your home, and for that, you need a good home appraisal. Tips for increasing your resale value may seem like a dime-a-dozen, but at Morison Insurance, we know how to highlight your property’s good condition and boost your home’s overall value. That’s why we’re sharing these home appraisal tips for sellers to ensure you get the most value out of your home. How Do Home Appraisals Work? A home appraisal is an unbiased estimate of the overall market value of a property. They are conducted by a professional home appraiser who considers a wide range of factors when calculating a property's value, such as: Property size and features Compliance with local zoning and building codes Age and condition of the home Location and proximity to amenities Current market value or property values of comparable properties Upgrades and renovations done Current housing market conditions Once assessed, a professional appraiser will then provide you with an appraisal report, documenting their findings, comparable houses in the area, and a valuation of your home. Appraisal reports are typically used by mortgage lenders who want to ensure that a property is actually worth the home loan amount when you are applying for a mortgage or refinancing your home, but sellers can also benefit from them, as they can...

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- Published: 2025-02-20
- Modified: 2025-02-20
- URL: https://staging.morisoninsurance.ca/news/downsizing-from-house-to-condo/
- Categories: Home Insurance, Insurance Tips

How Much Space Do You Need? Pros and Cons of Downsizing From House To Condo Traditional homeownership can come with some drawbacks, such as a lot of property maintenance, high mortgages, and reduced mobility. For many, homeownership is an important milestone or step in life. However, you may get to the point where your current housing is too much, and you start considering alternatives, such as downsizing from house to condo living. However, condo living and traditional home ownership can be very different living circumstances, so you need to carefully consider the pros and cons of moving from house to condo or whether condo living is right for you. As your home insurance and condo insurance experts, Morison Insurance has put together this guide to help you determine whether you should consider downsizing from house to condo ownership. What Is Downsizing To Condo Living? Downsizing is the process of reducing the size of something. In housing terms, downsizing means reducing the size of your living space, such as moving from house to condo ownership. There are many reasons why someone may want to consider downsizing from house to condo space. One of those reasons is money. As condos are typically smaller than traditional stand-alone or even semi-detached homes, they typically cost less to purchase, so you don’t have so much of your money tied up in home ownership. Lifestyle considerations are also a common reason for downsizing from house to condos, as condo living typically lends itself to simplified lifestyles...

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- Published: 2025-02-11
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/news/home-fixes-to-complete-before-selling/
- Categories: Home Insurance, Insurance Tips

The Importance of Fixing Up Your Home Before Selling No matter the reason why you’re putting your house up for sale, you want to get the most money possible out of the transaction. But it’s hard to get that optimal resale price if you didn’t complete any number of necessary fixes before selling your home. Potential homebuyers—unless they are in the market for a fixer-upper—generally do not want to have to deal with major repairs or numerous projects as they move into a new house. Additionally, any cosmetic repairs can degrade the visual appeal of your home, driving down its overall property value, and if any major issues are found during home inspections, it can lead to either thousands of dollars off of the sale price or cause the prospective buyers to back out of the sale. These factors make it crucial to address a variety of home fixes you must complete before selling in order to prevent your property from languishing on the ever-changing real estate market for months, avoid selling it at a deeply discounted price, or both. The Types Of Home Fixes You Must Complete Before Selling As your home insurance experts, the team at Morison Insurance knows the issues that can prevent a home from selling. Typically, when it comes to home fixes you must complete before selling, they fall into one of two categories: major fixes and minor fixes. Major Fixes Before Selling Home A major problem in your home is typically one that can...

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- Published: 2025-01-30
- Modified: 2025-01-30
- URL: https://staging.morisoninsurance.ca/news/spring-cleaning-checklist/
- Categories: Home Insurance, Insurance Tips

Refresh Your Home With Room-By-Room Cleaning Birds are singing once more. You can see grass greening. The snow is finally gone, and the last of winter’s chill has been replaced with a gradually warming new season. Sure, there are frequent rainstorms—along with the occasional spring snowstorm in Ontario—that can prevent you from truly embracing nature, but spring is here, and with it, it's time to sort out your home, break out the cleaning supplies, and tackle your spring cleaning checklist. But spring cleaning time can feel overwhelming, as traditionally, it involves deep cleaning your entire property, and many people can run out of steam halfway through the process. That’s why the insurance brokers at Morison Insurance are sharing our spring cleaning checklist to help make the actual cleaning process more manageable for you and your entire home. With these easy-to-follow tips that you've picked up while using our spring cleaning checklist, you can ensure that you can tackle every room in your home for a spotless clean. Make A Complete Spring Cleaning Plan The first item on your overall spring checklist is to make a plan. Consider how big your home is and what type of annual spring cleaning chores you need to do outside your regular cleaning routine. For instance, you may regularly change furnace filters, wash your bed linens, or clean the floors, but do you regularly clean your baseboards or faucets? What about the last time you cleaned blinds, replaced the plastic shower curtain liner, or cleaned...

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- Published: 2025-01-29
- Modified: 2025-01-29
- URL: https://staging.morisoninsurance.ca/news/start-a-vending-machine-business/
- Categories: Business Insurance

How To Start a Vending Machine Business In Ontario The idea of generating passive income has grown in popularity in recent years, and one option you may be considering is vending machines. Most commonly known for dispensing snacks, vending machines are an easy way to generate passive income while selling a wide range of vending products, from electronics to frozen food to personal care items to home goods and everything in between. And because you don’t need to physically sell the items yourself, just rent the space, vending operators can enjoy the profitability of a vending machine while they're busy doing other things. But what do you need to know about how to start a vending machine business from scratch? That’s where the experts at Morison Insurance can help local small business owners looking to start a new vending machine business idea. From registering your business to getting vending machine insurance, we’ve put together this guide to help you learn how to start a vending machine business in Ontario, providing you with a roadmap to business success in the vending machine market. 1. Write a Business Plan For a Successful Vending Machine Business The first start in any guide to how to start a vending machine business is creating a business plan. This will lay out the details of your business, providing you with a clear guide on how it is structured, expected expenses and revenues, the cost to start a vending business, and how you will be running a...

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- Published: 2025-01-14
- Modified: 2025-01-14
- URL: https://staging.morisoninsurance.ca/news/caa-mypace/
- Categories: Auto Insurance, Insurance Tips

What To Know About CAA MyPace Program Driving is a necessary activity in just about every Ontario community, but depending on your lifestyle, your driving needs may be minimal. For instance, if you work from home or take transit to commute to work, you may only need to drive a couple of times a week to run errands to attend social events. Or maybe you chose to live in the same neighbourhood as the rest of your family, preventing the need to drive long distances whenever you want to visit them. If you don’t drive much or very far, you may be a great candidate for the CAA MyPace car insurance program. The professional insurance brokers at Morison Insurance want you to have the insurance coverage you need when driving, and if you are a low-mileage driver, CAA MyPace insurance may be a great fit for you. We’ve assembled these frequently asked questions about the CAA MyPace program to help you get a better understanding of whether this insurance program would be a good fit for you, and we welcome any questions you may have about how it works and your eligibility for it. What Is The CAA MyPace Program? MyPace is a telematics insurance program from CAA Insurance Company, which is a type of auto insurance program in which Ontario drivers’ driving habits are monitored through the plug-in CAA MyPace device and a smartphone app. The app records information on how far you drive, and so long as you...

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- Published: 2025-01-02
- Modified: 2025-01-02
- URL: https://staging.morisoninsurance.ca/news/how-to-start-a-retail-business/
- Categories: Business Insurance, Insurance Broker

5 Things You Should Know About How To Start a Retail Business In Ontario There are many types of businesses in Ontario, but one of the most popular ones is retail business. This type of business sells goods to the consumer and can cover just about every industry in Ontario, from gas to clothing to decorative items to personal care to food and everything in between. Because the possibilities are endless, opening a retail store is an appealing option for new business owners. But where do you begin when starting a local business? How do you learn how to start and open a small retail business and grow your success? As your retail insurance brokerage, the team at Morison Insurance is well-versed in the rules and regulations for how to start a retail business in Ontario. That’s why we’re sharing the top things potential small business owners like you need to know about starting your retail business and the steps you need to take, allowing for a smoother business start-up for you. 1. Research How To Start a Retail Business And Write A Business Plan For Your Store The first step in creating a retail business is researching and writing a business plan. This will ensure you know what your chosen market is like, the local retail industry conditions, projected expenses, business structure, and the profitability of your retail business, as well as answer questions about running a retail shop. Your retail store business plan will give you the credibility...

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- Published: 2024-12-27
- Modified: 2024-12-27
- URL: https://staging.morisoninsurance.ca/news/how-to-start-a-landscaping-business/
- Categories: Business Insurance, Insurance Tips

What to Know About How To Start a Landscaping Company In Ontario In Ontario, people want a trusted, local professional to care for their yards and outdoor living spaces. Depending on where they live, they may only have a few short months to enjoy the beauty of their outdoor spaces, so it’s important to choose a passionate landscaper to take care of their yards, and you may be that person! Do you love gardening, are passionate about lawn care, and are wondering how to start a landscaping business in Ontario? Whether it’s a one-person company or you’ll be working with a number of landscapers and lawn care professionals, it can seem overwhelming to start a landscaping business of your own, but luckily, there are some straightforward steps to take to launch your own landscaping company. Wondering How To Start a Landscaping Business? Here Are 5 Easy Steps No matter the size or scale of your landscaping or lawn care operations, if you look up how to start a landscaping business in Ontario, you will find a number of things you need to do to start a business venture successfully. Below, we’ve outlined the steps to ensure you can successfully launch your business, from starting your business plan to getting landscaping business insurance. 1. Research and Plan No matter what type of business you want to start, you first need to research the market and your competitors and create a business plan. Researching or doing market analysis will ensure that you...

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- Published: 2024-12-05
- Modified: 2024-12-05
- URL: https://staging.morisoninsurance.ca/news/moving-in-winter/
- Categories: Home Insurance, Insurance Tips

A Guide For Moving In Winter The weather outside is frightful, and it’s time to move. The unique challenges of winter moves necessitate the need to follow winter moving tips. While these tips may seem like basic common sense, moves are already a challenging time for most Ontario residents, and it’s always good to be reminded of ways to make the moving experience easier on yourself. At Morison Insurance, we want you to have as stress-free of an experience as possible when you need to move. That’s why we’re sharing these tips for winter moving with you, so no matter the weather conditions, you can have a positive experience when moving in winter. Why Do I Need Tips For Moving In Winter? Ideally, the day you move would be bright and sunny but not too warm. The roads would be clear, and no obstacles would prevent your movers from expertly loading the truck and depositing your belongings in your new home. Unfortunately, the day we move is not always the most convenient or the best day to move. In fact, it’s often necessary to move under less-than-ideal conditions, such as moving in a hurry or moving in winter conditions. Without tips for moving in winter, you can face some serious challenges that have the potential to derail moving day. Between the cold weather, slippery steps, and abundance of snow, it can already be a stressful process, but if you factor in additional obstacles such as snow storms, slower travel times,...

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- Published: 2024-12-04
- Modified: 2025-04-30
- URL: https://staging.morisoninsurance.ca/news/winter-road-trip/
- Categories: Auto Insurance, Insurance Tips

What To Know About Winter Road Trip Preparation Road trips come in many forms, from solo journeys to a bonding experience with the family to a fun adventure with friends. No matter the reason for your trip, you often need to complete a list of preparations to undertake the journey, and that’s no different for a winter road trip. Preparation details, however, can differ depending on the time of year, and when travelling in colder weather conditions, your winter road trip preparation needs to be more robust to account for the increased risks of winter driving. That’s why we’re sharing these tips on how to prepare for a winter road trip! The car insurance experts at Morison Insurance know the inherent risks of long-distance travel and want you to be safe while on your winter road trip. Preparation for any long journey can feel overwhelming, but if you follow these winter road trip preparation tips, you can have peace of mind knowing that you have the supplies you need should you get stuck somewhere. 9 Winter Road Trip Preparation Tips 1. Prepare Your Car The first step in preparing for any winter road trip is to prepare your car for travel. Whether it’s a day trip or across Canada, if your car isn’t properly prepared for cold weather long-distance travelling, you could end up stranded in a strange place with no phone signal or supplies, which is a very serious situation in winter. So, as part of your winter road...

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- Published: 2024-11-28
- Modified: 2024-11-28
- URL: https://staging.morisoninsurance.ca/news/importance-of-a-home-fire-extinguisher/
- Categories: Home Insurance

The Importance Of Having a Home Fire Extinguisher Many homeowners don’t think a house fire can happen to them. But all it takes is a piece of equipment sparking or a culinary experiment gone wrong for a fire to spark. In addition to having the proper home insurance policy in place, having a home fire extinguisher is critical for the safety of your home. While in the event of a major blaze, you should get out as quickly and safely as possible, having a home fire extinguisher on hand can not only aid you in putting out small fires, but can also provide you with peace of mind knowing that you have some level of protection on hand should a fire start in your home. At Morison Insurance, we understand the importance of home fire safety and want you to avoid filing a claim. Even seemingly small measures, such as having a fire extinguisher for home use, can play an essential role in fire protection. What Homeowners Need to Know About Home Fire Extinguishers The purpose of having a fire extinguisher for home use is to provide your household with an extra element of protection in case of a fire. Much like the name implies, the purpose of this safety equipment is to extinguish fires, and they do so by releasing an extinguishing agent that targets the fire’s heat, fuel, oxygen supply, or chemical reaction. When Should I Use a Home Fire Extinguisher? Ultimately, home fire extinguishers are best used...

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- Published: 2024-11-27
- Modified: 2024-11-27
- URL: https://staging.morisoninsurance.ca/news/tractor-safety-tips/
- Categories: Farm Insurance

The Importance Of Tractor Safety: Tips For a Safer Environment When Working With Tractors Farmworkers and agricultural workers are some of the most hardworking people in Ontario, and they often work in potentially hazardous conditions due to the nature of the agricultural industry. This includes working around and operating heavy machinery like tractors. Improper handling or care of these machines can have serious consequences, so it’s important to follow several tractor safety tips when working with these large vehicles. In addition to following proper tractor safety tips, you should also ensure you have insurance. Tractor insurance will provide financial protection so that your tractor is protected in the event of an accident or damage. By following proper tractor safety procedures, you can help decrease the chances of accidents happening and ensure the smooth operation of the machine on a day-to-day basis. Whether it’s following basic tractor safety tips such as wearing PPE and not speeding or performing maintenance and vehicle inspections regularly, you can ensure a safer farm environment for all who work there. Tractor Safety Tips Working in the agriculture industry can be challenging, and even seasoned workers can be tempted to take shortcuts to get the job done quicker. However, farms or other agricultural operations are not places to skimp on safety, especially when working around heavy machinery. But by following these tractor safety tips, you can ensure everyone can go home safely at the end of a long workday. 1. Read the Manual Whether you are driving...

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- Published: 2024-11-21
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/intact-my-drive/
- Categories: Auto Insurance

What Ontario Drivers Need to Know About the Intact my Drive Program If you're a cautious, considerate driver who always uses defensive driving techniques and respects the rules of the road, why should you pay the same amount for your auto insurance premiums as someone who engages in unsafe driving practices? With the my Drive program from Intact Insurance, you don't have to. The Intact my Drive program is designed to reward safe drivers with a discount on their auto insurance. It's no secret that safe drivers are far less likely to have to file a claim on their car insurance, so it makes perfect sense that they should pay lower premiums than drivers who aren't as conscientious on the road. The licensed brokers at Morison Insurance put together this Intact my Drive FAQ to answer some common questions about the my Drive program so you can determine if it's the right choice for you. What Is The Intact my Drive Program? You may have heard of telematics insurance coverage for vehicles before, and my Drive is Intact Insurance's telematics program. Also known as usage-based insurance (UBI) or pay-how-you-drive insurance, it is a program that policyholders can voluntarily opt to join that uses a smartphone app to monitor and assess data about driving. If the data from the Intact my Drive app shows that the policyholder is following safe driving practices - or are not driving safely - Intact Insurance will adjust the amount they have to pay on their...

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- Published: 2024-11-20
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/tips-for-driving-at-night/
- Categories: Auto Insurance

Navigating The Road After Dark There are many reasons why Ontarians drive: to get to work, to drop kids off at school, to see family, to run errands, or just for pleasure. But certain driving conditions are less ideal than others, and driving at night is one of them. Whether it’s down the road to the grocery store to get milk or down a highway as part of a cross-country road trip, you must be more careful when driving at night. At Morison Insurance, we want you to get to your destination safely, no matter the time of day—or night. As Ontario car insurance experts, we know the hazards associated with night driving, and that’s why we’re sharing these tips for driving at night to help ensure that whether it’s a five-minute drive or an overnight drive, you can drive safely while driving at night. What's So Different About Driving At Night? When it’s a clear, sunny day outside, you are driving in optimal daylight conditions, but it’s another story at night. Driving at night, whether it’s down a street in your community or on an Ontario highway, means you are driving at a time when there’s reduced visibility, you have lower depth perception and peripheral vision, and you may not be as alert driving on the road at night as you would be when day driving. Therefore, before getting behind the wheel, you should take several extra precautions when driving at night to ensure you can get to your...

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- Published: 2024-11-05
- Modified: 2024-11-05
- URL: https://staging.morisoninsurance.ca/news/snowblower-maintenance-tips/
- Categories: Insurance Tips

The Importance Of Snowblower Maintenance Anyone who's experienced a Canadian winter knows the value of a snowblower. As a homeowner, it is your responsibility to clear the snow on your property and sidewalk to avoid potential liability issues affecting your home insurance. These devices can save you hours when you clear snow. However, like any piece of machinery, they have a limited lifespan and are expensive to replace or repair. Snowblowers have an estimated lifespan of anywhere from five to over 20 years. While which model you get is undoubtedly a factor in how long your snowblower lasts, taking good care of yours can significantly increase its lifespan. Devices like the engine and the auger (the rubber paddles in the front that gather the snow) are important and vulnerable to damage. Choosing between performing a few light maintenance tasks, paying hundreds of dollars to replace or repair the snowblower, or enduring several hours of shovelling after a blizzard should be an easy choice. Take a few minutes to work on snowblower maintenance, which will help extend the life of your most valuable snow removal device and also help keep your property safe. Snowblower Maintenance Tips You don't need to be a licenced mechanic to perform snowblower maintenance tasks. In most circumstances, following the instructions in this guide and applying them in the ways detailed in your machine's manual is likely enough. However, make sure you use these techniques carefully. Read everything thoroughly and double-check to ensure you are doing everything...

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- Published: 2024-11-04
- Modified: 2024-11-21
- URL: https://staging.morisoninsurance.ca/news/best-cars-for-winter/
- Categories: Insurance Tips

Tips For Having One Of The Best Cars For Winter in Canada Driving down a Canadian highway during the winter can have some picturesque views of snow-covered landscapes and frosted trees, but as for driving on snow? It’s not always so picture-perfect. No matter where you live in Canada, winter can extend its icy fingers, and that can cause any number of issues, such as freezing cold mornings when a car sputters to start, black ice on Canadian roads, snowdrifts to drive through, and more winter obstacles for your vehicle to get through. However, you can easily overcome these obstacles by having one of the best cars for Canadian winters and following proper winter driving safety tips! But what constitutes having one of the best cars for winter? After all, it’s not just the model of the car alone that makes it so good for winter driving conditions. It’s also the type of features that make it suitable for driving during adverse weather conditions, and the care you provide makes your vehicle one of the best cars for Canadian winters. At Morison Insurance, our team is well-versed in Ontario's driving performance in winter conditions and knows what makes for a safer driving experience on snow-covered roads. That’s why we’re sharing what, in our opinion, makes for having the best cars for Canadian winter driving. Things To Keep In Mind When Choosing The Best Car For Winter Driving Ontario may experience warmer weather than some other Canadian provinces and territories, but...

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- Published: 2024-11-01
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/how-to-drive-in-freezing-rain/
- Categories: Auto Insurance, Insurance Tips

Driving In Freezing Rain Any winter driver knows it can be dangerous to drive in freezing rain. Freezing rain occurs when snow melts as it falls, turns into rain, and then refreezes upon hitting the ground or another cold surface. This creates a layer of ice over the road. Even a thin layer of ice creates slippery conditions. While car insurance provides financial protection in the event of a loss, it's better to avoid a collision in the first place. This article will teach you how to drive in freezing rain to minimize the chances of an accident. Why Is Freezing Rain Dangerous? Driving in freezing rain is dangerous due to reduced friction, its ability to go unnoticed, and how hard it is to remove. Trying to brake on an icy road can take longer than you might think, leading to increased braking distance and skidding. Making a sharp turn or braking hard can cause the driver to lose control. Another reason freezing rain can be dangerous is its subtlety. A thin layer of freezing rain is often known as 'black ice' since the ice might not be seen over the road surface. As a result, someone can be oblivious to the slick conditions, increasing the likelihood of a collision. Freezing rain is also harder to remove than snow. Snow plows and other machines can easily clear snow out of the way, making driving much less of an issue. Freezing rain, on the other hand, can't be shoved away. The...

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- Published: 2024-10-30
- Modified: 2025-01-20
- URL: https://staging.morisoninsurance.ca/news/winter-car-battery-tips/
- Categories: Auto Insurance, Insurance Tips

Top Winter Car Battery Tips To Avoid Getting Stranded Winter in Ontario can be a challenging time for your vehicle. From slush-laden highways to night driving reminiscent of a spaceship going into hyperdrive, winter driving in colder climates can be challenging even for the most experienced drivers. Adding to the issue is the toll it can have on different parts of your car, especially your car battery. Maintenance and care are essential during this time of year, but what do you need to do to ensure your vehicle battery’s performance and safety? That’s why our Morison Insurance professionals share their top car battery tips to prevent you from getting stranded and ensure your car stays functional, no matter how cold outside. The team behind our insurance company cares about your safety. In addition to having the proper car insurance, we know that your car battery is one of the most essential parts of your car. By following these winter car battery tips, you can ensure proper car battery maintenance and car this winter season and have a reliable vehicle to get where you need to go. Why Is Car Battery Maintenance Important During Colder Weather? Winter car battery maintenance is so important because the last thing you want when it’s -20°C outside is to be stranded somewhere because your battery needs a boost. While car batteries can die at any time of year, their chances of doing so significantly increase in the colder months because the reaction that produces power...

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- Published: 2024-10-23
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/tractor-maintenance/
- Categories: Farm Insurance, Insurance Tips

The Importance Of Maintaining A Tractor A tractor is one of the most versatile vehicles imaginable, as it can handle many labour-saving tasks. Losing the ability to use your tractor means you’ll need to dedicate many hours to work that would normally be much easier. For this reason, it's vital that you make sure your tractor is operational. While you can get tractor insurance to cover a costly repair or replacement if something happens, you can add in a line of defence by taking steps to avoid letting the tractor fall into disrepair in the first place with proper maintenance. Tractor maintenance may seem overwhelming, but it becomes simple with correct guidance. This list of tractor maintenance tips will allow you to keep your vehicle in good order for a long time. Tractor Maintenance Checklist Creating a list of regular tractor maintenance tasks can seem overwhelming at first. However, it should be noted that most steps are relatively simple and have an approximation of how often they should be done. 1. Remember To Check Your Manual Keep in mind that every tractor is unique. If you're getting a more modern tractor to replace your old one, there will be differences. This is especially true if there is a change in the make and model of the tractor. This is why each tractor has a unique manual that will allow you to learn more specific details about the tractor. It’s best to keep your manual on hand, as you may need...

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- Published: 2024-10-22
- Modified: 2024-10-22
- URL: https://staging.morisoninsurance.ca/news/cattle-ear-tags/
- Categories: Farm Insurance, Insurance Tips

The Importance Of Livestock Ear Tags Whether you own a herd of cattle or have driven by a farm, you've probably seen those big, plastic tags hanging from a cow's ear, similar to an earring. But this is no fashion statement: cattle ear tags have been a dependable way to identify and track cattle for over 20 years in Canada. But how is it done? Who does it? What if a cow doesn't have any? Our expert brokers have all the details. What Are Cattle Ear Tags? A cattle ear tag is exactly as it sounds—an ear tag for cattle. These official identification devices provide vital information about the cattle it's on, including: The animal's unique 15-digit identification code RFID technology to track the animal The colour code for beef or dairy cattle Bar code that corresponds to the unique identification code Additional information or details that may be contained on the ear tags include the Canadian Cattle Identification Agency (CCIA) logo and breed code. All identification codes on cattle ear tags will start with "124," the country code for Canada, and be approved by the Canadian Food Inspection Agency (CFIA). For calves that will be registered, the tags need to be applied within 24 hours of birth, and their individual identification code stays with them for life. Producers are responsible for tagging their individual animals and must have a radio frequency identification (RFID) ear tag before they leave their farm of origin. However, as cattle owners or producers are...

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- Published: 2024-10-15
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/holiday-safety-tips/
- Categories: Insurance Tips

Holiday Safety Tips The holidays are a popular time of year, being a favourite for many people. The things that come to mind when thinking about the holidays are spending time with those closest to you, having large meals, and enjoying many fun winter activities. However, while these things can create some terrific memories, they also come with some risks you might not think about. Many activities we take for granted can cause an incident that could dampen the festivities and turn a great day into a bad memory. However, following our holiday safety tips can lower the chances of something going wrong, helping keep your home insurance claims history clean. 1. Set Up Decorations Safely While you are encouraged to decorate as creatively as possible, putting certain items in certain places can create a safety risk. Here are some bits of advice that make up this holiday safety tip and ensure you don't hurt yourself while making your place as festive as possible: Keep in mind ladder safety. Always have someone spot you. Never go to the top step. Ensure the ladder is on a flat surface, it locks, and it is not damaged. Be careful with extension cords, as they can be a trip hazard if used recklessly. Flammable materials should be kept away from fireplaces or other heat sources. If you are decorating outside, do so only in good weather. If it is too cold, too windy, or there is precipitation, leave decorating outside for a later...

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- Published: 2024-10-03
- Modified: 2024-10-03
- URL: https://staging.morisoninsurance.ca/news/how-to-change-a-tire/
- Categories: Auto Insurance, Insurance Tips

Why It Is Important To Know How To Change A Tire A blown or flat tire can happen to anyone at any time, and if it does, not being able to change a tire could leave you stranded. Even a small amount of damage to any tire, especially an old tire, can bring a road trip to a halt. A small stone causing a puncture, a shard of glass, giving you a flat tire, a sudden blowout, and many other things could potentially cause you some trouble. While you could call roadside assistance if your car insurance company offers it or a tow truck to get yourself out of the situation, you'll probably have to wait a while and pay a pretty penny to have these services done. Having the ability to change a tire in a pinch can be a great way to get yourself out of a sticky situation, saving you time and money. What Tools Do I Need To Change A Tire? Changing a tire requires some tools. You can't just grab the treads, rip the tire off, and replace it with a new one. The process is a bit more precise than that and, as a result, can't be done entirely by hand. Changing a tire requires a few basic tools to get the job done. The tools you need to change a tire are: A car jack A lug wrench A spare tire Some tools that aren't needed but will still be helpful are: A...

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- Published: 2024-09-25
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/fun-things-to-do-in-st-catharines/
- Categories: Insurance Tips

The Beauty Of St. Catharines, Ontario St. Catharines is often called the "Garden City" because it has over 1,000 acres of parks, trails, and gardens. It is the largest city in the Niagara Region if you go by population, beating out its more well-known neighbour, Niagara Falls. This abundance of green space means that the city has been able to maintain a large amount of its natural beauty, allowing it to be a place where you can live quietly while also not having all the busyness of Niagara Falls. However, just because it doesn't have one of the world's most well-known landmarks doesn't mean there aren't many fun things to do in St. Catharines. This wonderfully green city still has plenty of activities for you to check out, whether you're just driving through as a guest, planning a family trip to the city and its surrounding areas, or if you live in the area. 1. First Ontario Performing Arts Center The First Ontario Performing Arts Center is a terrific place to go for entertainment both on a live stage and on screen. If a show or movie is your idea of fun, you'll almost certainly be able to find an event on their calendar that's up your alley. Those into movies will likely find something to enjoy at the Center's film house. The film house has a long list of old and new films in a cinematic environment that also features refreshments for those involved. They also have a survey...

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- Published: 2024-09-19
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/news/winter-farm-safety-tips/
- Categories: Farm Insurance, Insurance Tips

Tips for Ontario Winter Farm Safety It is a common misconception that there is no work to be done on a farm between the fall harvest and spring planting seasons. From taking care of livestock animals to maintaining different buildings to preparing for the spring thaw, plenty of farm work is still available to keep busy. That’s why it’s essential to be vigilant about the risks associated with winter around the farm and ensure proper winter farm safety. As any farmer or insurance broker in Ontario will tell you, farms can be hazardous places, and winter brings with it numerous challenges that can make your working environment that much more treacherous. While some hazards are obvious, such as getting caught in a blizzard, others, such as cold stress, may not be so apparent, so it is important to practice good winter farm safety. From dressing appropriately for the weather to ensuring everyone is aware of the dangers, our Morison Insurance brokers share their top winter farm safety tips below. Is Winter Farm Safety That Important? While winter may not be the bustling hive of activity for a farm that the warmer months may provide, there is still lots to do in the winter, and the shorter days and colder temperatures make farm work much more dangerous. No matter what time of year it is, a farm can be risky unless you take the proper precautions for winter farm safety. 10 Winter Farm Safety Tips Accidents sometimes happen—that’s why we provide...

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- Published: 2024-09-12
- Modified: 2024-09-12
- URL: https://staging.morisoninsurance.ca/news/fun-winter-activities/
- Categories: Insurance Tips

The Joys Of Winter The winter season is a staple of living here in Canada. The thought of seeing 30 centimetres of snow on the ground is something everyone in this country sees as being just as Canadian as poutine, maple syrup and our signature winter sport of hockey. While it does come with a lot of work, such as shovelling and needing to keep in mind winter driving tips, the coolest season of the year also comes with some fun opportunities. There are a lot of fun winter activities you can do to take advantage of the opportunities that only this season can provide. Indoor Activities It might not seem like you can do fun winter activities indoors. After all, even in winter, the snow stays outside (hopefully). However, some fun things you can do inside are thematic with the cold winter months. Some of these are designed to warm you up just a little bit and lessen the negative impact of the cold weather. The large majority of them can be done either independently or as an excuse to spend quality time with those who mean the most to you. 1. Make Hot Chocolate It seems as if every season has its own beverages that make it special. Spring and summer share a wide variety of iced drinks and lemonade, fall has its pumpkin spice, and winter has hot chocolate, a favourite from many childhoods. However, there is no rule stating that when you become an adult, you...

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- Published: 2024-09-11
- Modified: 2025-06-23
- URL: https://staging.morisoninsurance.ca/news/benefits-of-farm-plates/
- Categories: Farm Insurance, Insurance Tips

Ontario Farm Plate Benefits There is no business that's quite like farming. Whether you make your entire living farming, do it part-time, or have a hobby farm, few other companies experience similar levels of work and payoff. Because of the unique nature of the farming industry, there are often special regulations and processes meant to accommodate farmers. One of these is farm plates. Ontario farmers can get these specialized plates to put on their farming vehicles. But why get a farm plate? Isn't it just a fancy type of license plate? Our Morison Insurance experts will tell you there are several farm plate benefits that Ontario farmers should be aware of. We break down what a farm plate is and how having a farm plate benefits local Ontario farmers and farmworkers. What Is a Farm Plate? Before we discuss the benefits of farm plates, we must first define them and explain why an Ontario farmer might get one. According to Service Ontario, a farm plate is a designated farm-licensed plate for a farmer's motor vehicle used to transport farm products, commodities, supplies, equipment, and building and maintenance items. To be eligible for a farm plate in Ontario, you must meet the following farm license plate requirements: You are a farmer You earn at least $7,000 annually from your farming business or farming operation You have registered a commercial vehicle with a Registered Gross Weight (RGW) of over 3,000 kg You have registered with the Farm Registration and Farm Organizations Funding...

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- Published: 2024-09-05
- Modified: 2024-09-05
- URL: https://staging.morisoninsurance.ca/news/how-to-start-a-business-in-ontario/
- Categories: Business Insurance, Insurance Tips

The Excitement Of Starting A Business Starting a new business is one of the most exciting things you can do in your career. When you start a business in Ontario, you get to decide things like what products and services your company makes, what the hours of operation are, what the dress code is, and many other things you have little to no control over as an employee. However, when you open an independent business, you also take on a lot of new responsibilities. Lots of the overhead that you might have taken for granted when you worked for someone else, like ensuring everyone is paid correctly, doing taxes, ensuring your company is fulfilling its legal obligations, and many other tasks, are now up to you to either do yourself or delegate to someone who can. Steps In Starting A Business One of the most challenging tasks any successful business owner faces is simply beginning the business. Those who don't know how to start a business in Ontario can easily underestimate the work needed. After a while, they see that what they thought was a molehill of paperwork and file sorting has somehow turned into a Mount Everest of jargon-filled papers and planning they must overcome. If you're afraid of this or want some help, this business guide is here to help, walking you through the steps of your entrepreneurial journey and helping you get to the top of your profession. 1. Create A Business Plan Any small business owner...

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- Published: 2024-09-04
- Modified: 2024-09-12
- URL: https://staging.morisoninsurance.ca/news/used-vehicle-information-package/
- Categories: Insurance Tips

Everything to Know About Vehicles Information Package in Ontario If you are considering purchasing a vehicle, you may consider opting for one that is pre-owned. Used cars and trucks are usually much less costly than buying a brand-new vehicle from a dealership, and there are plenty of private sellers out there looking to sell vehicles that are still in good condition and could be used for many more years. Whether you're the buyer or the seller in this scenario, it's essential to understand what an Ontario used vehicle information package is and its role in selling a used car or truck by a private seller. Here are the answers to common questions about Ontario's used vehicle information package, including what it is, how to get it, and why it's necessary. What Is a Used Vehicle Information Package? An Ontario used vehicle information package (UVIP) is a document that states detailed information about a used vehicle, such as its registration history and whether there are any liens on the vehicle. Buyers need this information to protect themselves from such problems as acquiring the previous owners' debt related to the vehicle or purchasing a vehicle that has been used far more than the seller claims it has. Buyers also must have the vehicle information package used in order to register the car or truck. What Is In an Ontario Used Vehicle Information Package? A used vehicle information package offers a wide range of information about the vehicle in question, including: Detailed information...

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- Published: 2024-09-03
- Modified: 2024-09-03
- URL: https://staging.morisoninsurance.ca/news/how-to-transfer-car-ownership/
- Categories: Auto Insurance, Insurance Tips

What Is Transferring Car Ownership? Transferring car ownership refers to doing all the work that is legally needed to switch who legally owns a vehicle. In Ontario, each vehicle on the road is required to be registered to an owner. While many vehicles are registered to a single owner, some are owned by multiple people, such as a car shared by a married couple. This is legally backed up by a green document, which is often found in the glove compartment or glove box of your vehicle. When you transfer car ownership, the legal owner of the vehicle switches. Since the vehicle ownership document contains the owner's name, this document needs to be updated at Service Ontario, which means some work on the part of both the old and new owners. While this might seem overwhelming, this guide will walk you through the process you need to go through to transfer car ownership in Ontario. What Ways Can I Transfer My Car Ownership To Someone Else? You can transfer car ownership to another owner in two ways: as a gift or as part of a sale. If you plan to transfer car ownership to your child, spouse, parent, grandparent, etc. This can be done as a gift. A benefit of transferring car ownership as a gift is the person receiving it may not need to pay the RST. If you transfer car ownership as part of a sale to someone else who is not your immediate family, this individual must...

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- Published: 2024-08-27
- Modified: 2024-09-12
- URL: https://staging.morisoninsurance.ca/news/trademark-business-name-in-canada/
- Categories: Business Insurance

Trademarking a Business Name in Canada Suppose you've recently started a business, or your business is suddenly becoming much more popular than it was before. We would first want to ensure that you have the right business insurance coverage. You also may consider registering your business name as a trademark. Branding is paramount in today's business environment, and a trademark is the best way to protect your brand identity against other companies that could, inadvertently or otherwise, benefit from your success. You may be wondering how to trademark a business name in Canada. In truth, it's not a simple process, but the benefits are worth it. Here are the steps you need to take to trademark a business name, along with the answers to common questions about filing a trademark application in Canada. What Is a Trademark? A trademark is essentially a legal symbol that identifies your brand as a unique provider of your goods and/or services and gives you the exclusive right to use the trademarked content. It serves to both increase brand recognition and trust among consumers and give you legal recourse if someone else does try to use your trademarked business name. Trademarks can also be applied to almost anything that is used to identify your business, goods or services, including logos, product names, images, slogans and much more, as long as it's unique and specific to your brand to show the proof of ownership. 8 Steps to Trademark a Business Name in Canada Before you can...

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- Published: 2024-08-23
- Modified: 2024-09-04
- URL: https://staging.morisoninsurance.ca/news/fun-things-to-do-in-hamilton/
- Categories: Insurance Tips

There's So Many Fun Things To Do In Hamilton Hamilton is a city that always seems to be evolving. What was once a steel city primarily known for industry has now grown into a bustling city with so much to offer visitors and locals. Whether you're looking for history, some casual family fun, or even getting lost in nature, there are many fun things to do in Hamilton. 1. Royal Botanical Gardens Located just on the outskirts of Hamilton, the Royal Botanical Gardens (RBG) is home to Canada's most extensive botanical gardens. One of the most fun things to do in Hamilton, the RBG allows you to freely roam the grounds and trails to see exquisite flowers, green space, and rock gardens. But for paid admission, you can go inside and see beautiful attractions such as the two-level Mediterranean Garden, the stunning Cacti and Succulent collection, and the Breezeway, which houses many common and exotic bulbs. If you are newly engaged, the RBG is a perfect place to have a wedding. They offer outdoor and indoor ceremony options for your special day, and the flowers act as a beautiful backdrop for photos and guests to enjoy. 2. Hiking Trails You're in luck if you keep track of your steps or are a hiking enthusiast. One of the fun things to do in Hamilton is visit one of the many hiking trails across the city and surrounding area. The city of Hamilton is split almost in half, with half being near...

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- Published: 2024-08-21
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/back-to-school-safety-tips/
- Categories: Insurance Tips

Ontario Back-To-School Safety Tips Almost every day, children are out and about on roads and sidewalks as they make their way to and from school. We all know that kids don't always behave predictably or remember to pay attention to their surroundings, which can make the mornings and afternoons stressful for parents and drivers in general. By following some simple back-to-school safety tips and going over the basics with children and teens, we can all work together to ensure the school year is safe and fun for everyone. Here are some key back-to-school safety tips, categorized by the methods children use to get to school and back home. Walking and Cycling To School Walking or biking to school is an excellent option for children who are old enough and mature enough to handle the responsibility well and follow back-to-school safety tips aimed at reducing the risk of an accident. Here are a few general tips for kids and teens who walk, bike, or skate to and from school on a regular basis. Practise Crossing the Street Safely As the saying goes, practise makes perfect. It makes sense to start teaching children how to cross the street safely as soon as they're up and running, but it's also an excellent idea to practise with them each summer before school starts to make sure it's fresh in their minds. This includes taking the route to school, using crosswalks, looking both ways before crossing, and making eye contact with drivers when you're waiting...

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- Published: 2024-08-14
- Modified: 2024-08-14
- URL: https://staging.morisoninsurance.ca/news/lease-or-finance-a-car/
- Categories: Auto Insurance, Insurance Tips

Should I Lease Or Finance My Car? As handy as having a car is in getting from point A to point B, it can be expensive machinery, and only some people can afford to buy it outright. That's why there's a wide array of payment options available, such as lease or finance, to make it easier to access. But how do you know whether you should lease or finance a car? Read on to learn more about the benefits and drawbacks of lease or financing a car so you can make the right financial decision for you. What Is Leasing? Leasing is a financial agreement where an individual or business can use something in exchange for regular payments. In this case, an individual will agree to use a car in exchange for monthly payments to the lessor, often the car dealership or a leasing company, for a set amount of time. Much like renting an apartment, you do not own the vehicle and are subject to several terms and conditions in exchange for using the vehicle in question. Some things typically included in a lease agreement include: Length of Lease Term: Car lease agreements typically last for a fixed term, generally two to five years. During this time, you are responsible for making monthly payments and keeping the car in good condition per the lease agreement's terms. Your Auto Insurance Requirements: There are specific car insurance requirements that leased vehicles require, as well as additional coverage options that the leasing...

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- Published: 2024-08-08
- Modified: 2024-08-08
- URL: https://staging.morisoninsurance.ca/news/fun-things-to-do-in-niagara-falls/
- Categories: Insurance Tips

Fun Things To Do In Niagara Falls, Ontario Niagara Falls, and the Niagara region as a whole, is one of the most popular places for tourists in Canada. It's easy to see why: it has one of the most beautiful landmarks in the world, created by the Niagara River and the pouring of water from Lake Ontario to Lake Erie, and it's easy to take a quick trip to the States if you want to. However, there's more to do in this city than stare at a lovely waterfall from a distance. There are plenty of other fun things to do in Niagara Falls, some of which might surprise you. 1. See Niagara Falls Up Close One of the most obvious fun things to do in Niagara Falls is to see the world-famous waterfalls there. The three different waterfalls are Canadian Falls (aka Horseshoe Falls), American Falls, and Bridal Veil Falls, which are easily the most famous Niagara Falls attraction there. However, this doesn't need to be done from a distance. Those familiar with the area will likely know about Hornblower Niagara Cruises, which offers boat cruises that allow large amounts of people to get on a boat and experience the falls up close and personal, close enough to get you soaked (good thing they provide ponchos). Hornblower Niagara Cruise allows for various rides, each offering a different view, allowing you to get the breathtaking views of the falls you want. 2. Butterfly Conservatory Another fun thing to do in...

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- Published: 2024-08-07
- Modified: 2024-09-17
- URL: https://staging.morisoninsurance.ca/news/how-to-get-a-small-business-grant/
- Categories: Business Insurance, Insurance Tips

What Is A Small Business Grant? A small business grant is a monetary funding opportunity given to a small business to help it overcome some of the initial hurdles it faces due to a lack of income early on. This initial funding support can help a business that has yet to profit or have a break-even month find its footing and cover the early costs of business. It is usually done based on having very few, if any, strings attached for the business owner and is usually provided by the government. They can be a godsend for a small business owner just starting, helping them build their businesses more quickly. Knowing how to get a small business grant, how these grants can be spent, and their purpose can bolster your chances of reaching your business goals. What's The Purpose Of A Small Business Grant? Small business grants have purposes for both the company receiving them and the government organization providing them. For the company receiving it, the purpose of these grants is to be able to act like a stimulus package. This can help them cover some earlier expenses in being a small company before they see the profits involved in being a larger, more established business. This quicker business development can help a small organization grow quickly. Much like business insurance, they provide a safety net for the company to fall back on. From the government's viewpoint, these funding programs encourage economic development. Hopefully, the business receiving the government...

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- Published: 2024-08-06
- Modified: 2024-08-06
- URL: https://staging.morisoninsurance.ca/news/fun-things-to-do-in-ottawa/
- Categories: Insurance Tips

Enjoying Ottawa Is A Capital Idea Ottawa is a historic city. Being our nation's capital, you would probably think that one of the best things about the city is the large number of sites that pay tribute to the founding and history of our home and native land. As it turns out, this assumption is correct, and historic sites are a massive part of Ottawa tourism. There are many historic sites and places to see and learn about the country as a whole. After a lot of thought, our brokers have put together a list of 11 fun things to do in Ottawa, whether you're just visiting the city or are local and just looking for something to do. 1. Parliament Hill And The Peace Tower One of the first things that comes to mind when people think about Ottawa is that it is where the Parliament buildings are. The Parliament houses are where the Governer General, Prime Minister, Speaker Of The House, The Senate, The House of Commons, and other government officials work. While meetings about how tax dollars should be spent probably don't sound that exciting, dropping by for a visit and catching a glance at a building that has so much history can be one of the most fun things to do in Ottawa. The building that makes up the Canadian Parliament is the Centre Block, which was built in 1927, and the large clock tower, called the Peace Tower, which is even older having been built...

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- Published: 2024-08-02
- Modified: 2024-08-02
- URL: https://staging.morisoninsurance.ca/news/snow-shoveling-safety-tips/
- Categories: Insurance Tips

Snow Shoveling Can Be More Dangerous Than You Think If you're a homeowner in Ontario, shoveling snow is something you are bound to do at least once a year. It's essential that you shovel the snow on your stairs, walkways, driveways and sidewalks because leaving snow to accumulate can lead to the slightest inconvenience for others and, at most, potential injuries. However, throwing fresh snow around may look enjoyable to some; it can lead to a severe injury or worse if you don't prepare and complete the task safely. Our expert Morison Insurance brokers have compiled their top 10 snow shoveling safety tips to ensure you stay safe and warm this winter. Stretch and Warm Up As with any physical activity, making sure your body is prepared is critical to avoiding common injuries. That's why this is our first snow shoveling safety tip. Completing a full body stretch before you get ready will not only help with your physical health but also make sure your body is prepared to lift and move what could be heavy snow. A simple Google or YouTube search for "quick full body stretch" should give you the resources to stretch correctly and be ready to shovel. Wear Warm Clothing While this snow shoveling safety tip may be obvious to some, many feel that they can handle the cold better than others. While that may be true for throwing out the trash or grabbing the mail, the extra work your body goes through while shoveling snow...

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- Published: 2024-07-30
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/home-fire-safety/
- Categories: Insurance Tips

The Importance Of Home Fire Safety Basic home fire safety tips have been drilled into our minds since we were children. As a kid, you were taught to stay calm, pull the alarm, leave the vicinity, and call 911 if a fire occurs in your location. You're told about the importance of stop, drop and roll, done fire drills, and learned that pulling the fire alarm as a prank should never be done. However, no matter how long you've learned the basics, there's always more to learn about home fire safety. Given that a fire can lead to the loss of several possessions, damage that could increase your home insurance rates and possible injuries, it's vital to take every step in fire safety you reasonably can. There are many home fire safety tips you can follow to minimize the chances of a fire and to make it so that the danger to you, your loved ones, and your home is kept to a minimum. 12 Fire Safety Tips Plenty of wise quotes have been made around the importance of preparing. Whether you believe Benjamin Franklin's quote, "By failing to prepare, you are preparing to fail," or you like NBA Hall of Famer David Robinson's simple quote, "Preparation is everything," there's no denying that preparing is the first step to succeeding. Being ready for a fire with these home fire safety tips can increase the odds of everyone being okay. 1. Have A Fire Escape Plan One of the most essential...

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- Published: 2024-07-25
- Modified: 2024-07-25
- URL: https://staging.morisoninsurance.ca/news/boat-storage-options/
- Categories: Insurance Tips, Recreational Insurance

How Weather Can Threaten Your Boat You don't need a degree in climatology to know that Canada can have extreme weather. Winter storms and cold weather can be harmful to your boat. Even the warmer months often have many dangers, as heat, wind, and precipitation are also threats. While you can protect it with boat insurance, it's best to ensure your boat is taken care of and stored properly. For this reason, knowing your boat storage options can help ensure that your boat will be ready for the next boating season. Preparing To Store Your Boat Boat maintenance is always challenging. Just because something spends so much time in water doesn't mean it will always be clean. There are plenty of steps involved in regular boat maintenance, such as checking the oil and battery, cleaning, and checking for damage that should be done before you allow your boat to hibernate for a handful of months. However, after performing those everyday tasks, protecting your boat from the elements can be a difficult task. Don’t just sail through this task since messing it up can leave you feeling like you're upstream without a paddle. While there's no need for you to have your motor going all year just to keep your boat safe, you do need to decide the best place to take it when it's not in use. You have a few boat storage options, and this guide outlines the pros and cons of each of the most common ones. Deciding...

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- Published: 2024-07-24
- Modified: 2024-07-24
- URL: https://staging.morisoninsurance.ca/news/fall-outdoor-activities/
- Categories: Insurance Tips

Fall Is Beautiful Every season seems to have a certain aesthetic associated with it. In winter, it's the mountains of snow. Spring is often associated with April showers bringing May flowers. Summer has the vast warmth of the sun taking its full effect. With the fall season, you get the presence of leaves turning a large variety of colours as animals scurry around, getting ready for winter. While you also scurry around to get ready for winter, it's important that you take some time and enjoy the unique activities that let fall give you a fun experience. The feel of fall is very distinct from other seasons, as leaves change colour, many fruits and vegetables are at their largest and ripest, and several entertainment companies that depend on warm weather are giving us their grand finale for the year. Here’s a list of ideas that you can use to spend a day taking advantage of these opportunities. Fall Outdoor Activities 1. Attend A Fair A fair is a great fall outdoor activity that lets you take advantage of several entertaining activities all in one place. Often themed around being family-friendly, fairs are a natural fit for large groups with varying tastes. They provide fun sights to see, delicious food, games to play, and rides to go on, ensuring that there will almost certainly be something for everyone. 2. Collect Fall Items While fall does provide you with the opportunity to collect leaves, there's much more than that you can gather....

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- Published: 2024-07-17
- Modified: 2024-07-17
- URL: https://staging.morisoninsurance.ca/news/benefits-of-farm-management-software/
- Categories: Farm Insurance, Insurance Tips

The Benefits of Farm Management Software Most people nowadays need more space, expertise or time to produce their own food, which means farm operations are more essential to our way of life than ever before. As a farmer, you are very aware of the vast amount of effort and work that is necessary to keep an agricultural operation going, and there isn't any way to eliminate all that work—but farm management software can both reduce your workload and make your efforts more efficient and effective. That means less work and less stress can get you better results with the assistance of the right farm management software solutions. What is Farm Management Software? There are multiple options for farm management software, and some may be better suited to your farm and agricultural style than others. Farm management software is essentially software or a farm management app that makes it much easier and more efficient to record, monitor and manage real-time data, which can, in turn, offer valuable insights that ultimately improve the success of your farming operation. These can be used through a computer or a mobile device. That includes factors and tasks such as: Risk portfolio management Crop plan development Crop production progress monitoring Weather prediction and mapping Soil analysis Inventory control Supply chain management Agronomic planning Crop rotation facilitation Customer demand forecasting Market summaries Compliance with regulations Labour force management Accounting And more Why Should You Use Farm Management Software? What are the potential benefits of farm management software?...

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- Published: 2024-07-11
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/news/opcf-20-explained/
- Categories: Auto Insurance, Insurance Tips

What Ontario Drivers Need to Know About OPCF 20 Loss of Use Coverage No matter how many years you've been driving, getting into an automobile accident or car collision or having your car damaged in an unexpected event such as a flood or fallen tree can shake anyone. The insurance claim process can be overwhelming, with numerous forms to fill out, phone calls to make, and documentation to gather. Luckily, some things can make the experience less daunting, such as a friendly insurance broker, a streamlined claims process, and the assurance of a replacement vehicle. At the same time, yours is getting repairs that are needed, thanks to a policy addition known as OPCF 20. As explained by the professional insurance brokers at Morison Insurance, whether you are covered for a replacement vehicle depends on whether you have the endorsement on your policy. But what is OPCF 20? Read on to learn more about this optional coverage for your car insurance. What is OPCF 20? OPCF 20, or loss of use coverage, is an add-on or insurance endorsement to your existing car insurance and provides for either a temporary vehicle replacement or pays for the transportation costs you incur. At the same time, you have physical damage coverage, and your vehicle is being repaired. This coverage can be valuable if your vehicle is inoperable due to an accident or other covered event, and you must be able to go places. If you rely on your car for work or daily...

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- Published: 2024-07-10
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/first-time-landlord/
- Categories: Insurance Tips

First-Time Landlord Guide 101 Becoming a first-time landlord is a significant and exciting milestone. Whether you’ve inherited a property, purchased an investment home, or are renting out a part of your residence, stepping into the role of a landlord brings both opportunities and challenges. As you embark on this journey, there’s a lot to consider. From understanding legal requirements to securing the right insurance to effectively manage your property. This guide aims to provide you with essential insights and practical tips to help you succeed and thrive as a first-time landlord. Understanding Initial Requirements And Laws Before stepping into the role of a landlord, it's crucial to understand the legal landscape you'll be navigating. As a new landlord, you'll need to familiarize yourself with both federal and local laws that apply to rental agreements, tenant rights, and property management. Ignorance of these regulations can lead to costly legal issues and misunderstandings with tenants. Starting with a solid foundation in these legal requirements will not only protect you from potential legal pitfalls but also help establish a professional, cooperative relationship with your tenants. Understand The Residential Tenancies Act When organizing what's needed of you as a first-time landlord, understanding the laws you must follow can sometimes be tricky. The Residential Tenancies Act (RTA) is a critical document that outlines the rights and responsibilities of both landlords and tenants. By reading up on the Residential Tenancies Act, you can ensure compliance and avoid legal perils. The RTA covers various aspects of being...

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- Published: 2024-07-05
- Modified: 2024-07-05
- URL: https://staging.morisoninsurance.ca/news/keep-windshield-chips-from-spreading/
- Categories: Insurance Tips

The Danger of Windshield Chips Small windshield chips might not seem like that big of a deal. After all, the windshield still performs the function its name implies: shielding you from the wind. As it turns out, there are some big potential safety concerns associated with a cracked or chipped windshield. In addition to the decreased visibility, a windshield chip could weaken your windshield's ability to support your roof in a rollover, cause water to trickle in near or into your car's internal electronics, interfere with airbag deploying, and is more likely to break in the event of a collision. Furthermore, a windshield chip can get bigger, turning into a fully-fledged windshield crack, further increasing each of these safety hazards. How To Prevent Windshield Chips From Spreading Most drivers will have a windshield chip impact their car at some point in their lives. Based on the size of the chip, this will cause a varying level of concern from the person whose vehicle is impacted. This is because a windshield chip's danger correlates with its size. Simply put, the bigger it is, the more each of these dangers increases, so it’s important to stop your windshield chips from spreading. A bigger windshield chip or crack is also harder to control and is more likely to increase in size, leading to a massive snowball effect. What started with a windshield chip can easily spread into a minor windshield crack and become a fully-fledged gash in your windshield. While the best thing...

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- Published: 2024-07-04
- Modified: 2024-07-04
- URL: https://staging.morisoninsurance.ca/news/things-to-do-in-burlington/
- Categories: Insurance Tips

Enjoy What Burlington Has To Offer Burlington, Ontario, settled on the shores of Lake Ontario, offers a delightful blend of natural beauty, cultural attractions, and recreational activities. Whether you're a local resident or a visitor exploring the area, Burlington promises many exciting experiences to enjoy. From serene parks to lively social spots, here are some of the top destinations for fun things to do in Burlington, making it worth a visit. Spencer Smith Park Located at the heart of Burlington's waterfront, Spencer Smith Park is a beloved oasis that offers stunning views of Lake Ontario. This vast green space allows for numerous popular events throughout the year, including the renowned Sound of Music Festival. Visitors can relax by the waterfront, take leisurely strolls along the pathways, or enjoy a picnic amidst picturesque surroundings. Whether you're a resident or a visitor, Spencer Smith Park is one of the quintessential fun things to do in Burlington. While at Spencer Smith Park, you can also enjoy various restaurants, cafes, and ice cream shops in the area. There are many popular spots for locals and visitors alike which offer fabulous food whilst looking over the incredible views. Whether enjoying a meal or just soaking in the scenery, Spencer Smith Park is a must-visit spot in Burlington. Brant Street Pier Adjacent to Spencer Smith Park, the Brant Street Pier extends 137 metres over Lake Ontario, providing panoramic views of both the waterfront and the Burlington skyline. Whether you're catching a sunrise or admiring the sunset,...

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- Published: 2024-06-28
- Modified: 2024-08-30
- URL: https://staging.morisoninsurance.ca/news/how-to-open-a-coffee-shop/
- Categories: Insurance Tips

The Joy Of Coffee Sometimes, a human without coffee is like a car without gas; they can't go anywhere, and it is recommended that you don't push their buttons. While it's common for people to make their coffee at home, many choose to go to a nearby shop for their cup of coffee. Shops in the coffee industry are often beloved by the coffee lovers in the area and are a daily trip for a dedicated fanbase who sees their patronage at their favourite coffee houses as part of their identity. Having such sentimental value to others makes the career choice of coffee shop owner very appealing to many. While this can be an exciting, fun, and lucrative business idea, there are a lot of challenges and hard work that go into opening an independent coffee shop, or any successful business for that matter. If you've ever wondered how to open a coffee shop, there are some tips below to help you out. How Much Does It Cost To Open A Coffee Shop? As you're likely to expect, there is no set cost for when you open a coffee shop. This is due to the fact that every coffee shop is different and will have variable costs. However, despite numbers being very different for each store, shops in the coffee business each have common costs that need to be paid. Due to the vast amount of startup capital you will likely require, you'll likely need to get a loan. The...

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- Published: 2024-06-26
- Modified: 2024-06-26
- URL: https://staging.morisoninsurance.ca/news/halloween-safety-tips/
- Categories: Insurance Tips

Staying Safe On Halloween Halloween is traditionally seen as the scariest time of year. While this makes it an exciting time for kids and adults, there are only certain types of scary that you want. The spooky atmosphere of scary movies, having your spouse jump out at you from behind the corner, and the feeling of exploring a haunted house can all be very fun types of scary. Seeing your kid in a dangerous situation is not. By keeping these Halloween safety tips in mind, you can help keep the odds of an incident low and ensure that you and your family can have a fun night. Pumpkin Carving And Jack-O-Lantern Safety Tips Ensure Kids Don't Have Access To Dangerous Tools Knives and other sharp objects are not safe for kids to handle, and even taking your eye off them for a second could lead to disaster. It can be great fun to let the kids design the face of the Jack-O-Lantern with a marker; an important Halloween safety tip is that adults should do the actual cutting. Avoid Using Candles The bright light inside a Jack-O-Lantern is a Halloween staple. However, as anyone who learned about fire safety or played Pokémon knows, plants are very vulnerable to fire. This doesn't mean you need to sacrifice the aesthetic, though. A good Halloween safety tip is to use an alternative to candles, such as LEDs, fake candles, and glowsticks, that can give the same effect while also giving you plenty of...

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- Published: 2024-06-20
- Modified: 2024-06-20
- URL: https://staging.morisoninsurance.ca/news/best-hiking-trails-in-ontario/
- Categories: Insurance Tips

The Joys Of Hiking Physical activity can come in various forms and provides a rewarding sense of accomplishment through the release of extra dopamine. Not to mention, physical activity is amazing for both mental and physical health. Many people like to hike as a way to exercise while also enjoying beautiful sites and immersing themselves in nature. The simple act of walking on trails, breathing in fresh air, and taking in scenic views can significantly boost your mood and reduce stress. Overcoming the challenges of different terrains also builds resilience and provides a strong sense of accomplishment. Whether you're an experienced hiker or new to the activity, hiking is a fantastic way to stay fit and improve your overall well-being. Many Great Ontario Hiking Trails Across The Province Ontario has some of the most beautiful parks and lakes in Canada, allowing any nature lover to have so many places to explore! Due to the abundance of Provincial Parks and hiking trails scattered throughout the province, it's hard to decide where you may want your next outdoor adventure to be. Especially because Ontario has such a large variety of ecosystems and environments like forests, lakes, and waterfalls all throughout. So, we've put together a list of some of the best hiking trails in Ontario. Now, it's easier to decide which beautiful hikes you will go to next! Southern Ontario Hiking Trails Some of the best hiking trails in Ontario, especially for those looking for friendly destinations for kids, can be found...

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- Published: 2024-06-19
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/news/agriculture-risk-management/
- Categories: Farm Insurance, Insurance Tips

Tips on Risk Management in Agriculture for Ontario Farmers Whether you raise livestock, grow crops or own another type of agricultural business, there's no denying that your work is essential. Modern agricultural practices have played an outsized role in shaping our very way of life. At the same time, it's no secret that owning a farm business comes with more than its fair share of risk. From extreme weather patterns and diseases to safety issues and lawsuits, there's plenty of potential for scenarios that could seriously derail your business plans and compromise the success of your agricultural enterprise. A high level of risk exposure doesn't mean no one should run a farm business, but it does mean it's necessary to identify a wide range of potential risk factors and devise a robust plan to address agriculture risk management. We'll cover the three broad strategies for agriculture risk management and methods of dealing with agriculture risk management. Agriculture Risk Management Strategies Any risk management needs to have a multi-faceted approach, and agriculture risk management is no exception to the rule. Generally speaking, there are three ways to go about agriculture risk management: Avoid Risk: Avoiding risk is something we're all familiar with. It involves making prudent decisions to avoid situations in which peril or disaster is likely to strike. For example, you may refrain from sowing a crop with a high failure rate or choose not to host events that are open to the public on your commercial property. You don't...

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- Published: 2024-06-13
- Modified: 2024-06-13
- URL: https://staging.morisoninsurance.ca/news/farm-insurance-renewal/
- Categories: Farm Insurance, Insurance Tips

Farm Insurance Renewal Overview Farming can be a very rewarding career. Without all of our hard-working farmers, we would all need to go back to the days of being hunters and gatherers. Despite all the good things farmers do to prepare their crops and their livestock, there is risk involved. Luckily, farm insurance is there to cover them in case something goes wrong. Farm insurance is a form of business insurance designed to protect farmers from the risks involved in their occupation. It gives them financial reimbursement for situations like their livestock or crops being damaged by something out of their control, such as theft, equipment damage, and damage to the farm buildings themselves. It also provides liability coverage in several scenarios. However, farm insurance does not last forever and needs to be renewed once a policy is up. What Is A Farm Insurance Renewal In Ontario? Farm insurance, like any type of insurance, doesn't last forever. Any insurance contract expires after a set amount of time. To keep your farm insurance, you need a farm insurance renewal when your farm insurance policy expires. During your farm insurance renewal, you’ll need to update your insurance provider or broker on anything that may impact your farm insurance. This includes any changes or additions to your machinery, livestock, crops, property, or any other item that could impact risk that you have. While this might seem like a pain in the neck, it turns out that this is actually a terrific opportunity for...

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- Published: 2024-06-06
- Modified: 2025-03-31
- URL: https://staging.morisoninsurance.ca/news/change-of-address-checklist/
- Categories: Insurance Tips

Moving in Ontario? Follow This Change of Address Checklist to Learn Who You Need to Notify Moving can be both exciting and stressful. It doesn’t matter if you’re moving for work, to be with your significant other, downsizing, want to take advantage of changes in the real estate market, or just want a change of scenery; there’s a lot of opportunity. However, there’s a lot of stress, much of which is tied to little things that can very easily be taken for granted. The sheer number of small things that can fly under the radar with everything going on is very high, and it would be understandable to miss a few. Luckily, by creating a simple change of address checklist, you can be more confident that you’ll remember what you need to without the major headaches. Not only will your moving change of address checklist in Ontario provide a visual reminder of who you need to update and what you need to do, but it will also allow you to keep track of who you have notified and what needs to be done next. Even if you have a great memory, it can be easy to forget something when you’re busy moving. By creating a change of address checklist, you can ensure that your address is properly updated with everyone, including your employer, bank, favourite food delivery service, and home insurance broker. Getting Ready to Move to Your New Address In the weeks leading up to a move, you can...

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- Published: 2024-06-05
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/news/car-tag-program/
- Categories: Auto Insurance, Insurance Tips

Tracking Car Tag Program FAQ: How It Works and Why You Should Consider It Did you know that as of 2023, a car is stolen every five minutes in Canada? Auto theft is rising at an alarming rate between 2021 and 2023. Vehicle theft rates increased by a staggering 48. 2% in Ontario alone, and the increase was even higher in Quebec at 57. 9%, according to the 2023 Auto Theft Trend Report from Équité Association. That means Canadian vehicle owners can no longer afford to sit idly by without taking concrete measures to ensure the safety of their vehicles and protect their investments. When it comes to devices and systems designed to prevent vehicle theft or help recover a vehicle after it has been stolen, it's well worth considering installing an anti-theft car tag program such as Tag Tracking. Here are the answers to some common questions about car tag systems and how they can benefit Ontario drivers. What is Tag Tracking? Some anti-theft devices focus on deterring or preventing theft, while others exist to increase the probability that a vehicle will be recovered after it has been stolen. Tag Tracking systems do both, which is why they're an increasingly popular option for Ontario drivers and are highly recommended by auto insurance companies. There are several types of aftermarket anti-theft tracking systems available in Canada, but tag tracking is the preferred option by the majority of Canadian insurance providers. It is developed and manufactured in Canada and has a...

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- Published: 2024-05-30
- Modified: 2024-05-30
- URL: https://staging.morisoninsurance.ca/news/business-insurance-renewal/
- Categories: Business Insurance, Insurance Tips

What Is A Business Insurance Renewal In Ontario? Business insurance, also known as commercial insurance, is designed to protect businesses and their owners from many of the dangers involved in entrepreneurship. Whether it saves a business from legal costs, repairing property damage due to unexpected disasters, or certain errors, a business insurance policy helps to thicken the razor-thin edge between a business's current state and dangerous territory. However, insurance is not a one-and-done deal. Business insurance does need to be renewed. While this might seem like a lot of work, it's also an opportunity to adjust your insurance policy and ensure you have a competitive price. You might be able to adjust your coverage to keep it relevant for any changes since your last renewal. This could include things like new products or services that could impact your liability insurance or a new location impacting your commercial property insurance. If you are happy with your current level of protection and want to save on your current plan, a renewal is the perfect time to review your coverage. Does Business Insurance Renew Automatically in Ontario? It depends. However, automatic policy renewals are a lot less common with business insurance. Although there are a few insurance companies that automatically do your business insurance renewal, most won't. In these cases, it is up to the business owner to be proactive during renewal time. The best time to review your business insurance policy is at renewal. It’s a chance to discuss new risks, services...

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- Published: 2024-05-28
- Modified: 2024-05-28
- URL: https://staging.morisoninsurance.ca/news/most-fuel-efficient-cars/
- Categories: Auto Insurance, Insurance Tips

What Is Fuel Efficiency? Fuel efficiency, or gas mileage, measures how well a car uses its gasoline to move. The higher its fuel efficiency, the less gasoline it needs to travel a specific distance. Fuel efficiency is one of the most common things considered when people buy a car. It is often seen as having the same level of importance as things like price, comfortable seating, safety, offering a smooth ride, and reliability, meaning that people put it in high regard. Why Is Fuel Efficiency Important? One of the reasons to prioritize more fuel efficient cars don't need to fill up on gas more often. Not only does this mean that you need to stop for gas less often, saving you some time, but it also means that you don't spend as much money on gas. Having to purchase less gas is especially great when gas prices are high. In the long run, getting the most fuel efficient vehicle, just like getting less expensive car insurance, could possibly save you hundreds of dollars a year on fuel costs if you drive often enough, meaning that when considering price, fuel efficiency should be a factor that you also keep in mind. There are also plenty of reasons why getting the most fuel efficient vehicle can help others. When you prioritize fuel efficiency, it helps the environment. Reducing greenhouse gasses means you pump less CO2 into the atmosphere, lowering your carbon footprint. What Are The Most Fuel Efficient Cars? If your primary...

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- Published: 2024-05-24
- Modified: 2025-03-10
- URL: https://staging.morisoninsurance.ca/news/anti-theft-devices-for-vehicles/
- Categories: Insurance Tips

The 9 Best Anti-Theft Devices for Ontario Drivers Auto thefts are increasing in Canada and many other parts of the world, and if you think you're safe because you don't drive a flashy, expensive sports car, think again—cars such as the Kia Optima and Toyota Camry regularly appear on "top ten most stolen vehicles" lists. Most types of vehicles are not immune to attracting potential thieves' attention. That's why it makes sense for all drivers to consider which anti-theft devices are best suited to their particular vehicle and lifestyle. The reliable brokers at Morison Insurance have provided some of the best anti-theft devices for Ontario drivers, along with additional information about protecting your vehicle and your budget. Can Anti-Theft Devices Impact Auto Insurance Costs? The main benefit of anti-theft devices is pretty clear: they make your vehicle a lot less likely to be successfully stolen. That's a pretty big advantage that makes it well worth investigating the best anti-theft devices for your car or truck. Some devices help deter thieves and make it easier to recover a vehicle after it has been stolen. But those aren't the only benefits that anti-theft devices have to offer. Auto theft represents a big problem for insurance companies, so there's no doubt they are interested in ways to reduce vehicle theft, and they want to see that auto insurance policyholders are taking steps to lower the possibility that their vehicles will be stolen. That's why many insurance companies choose to incentivize drivers to install...

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- Published: 2024-05-21
- Modified: 2024-05-21
- URL: https://staging.morisoninsurance.ca/news/home-inspection-benefits/
- Categories: Home Insurance, Insurance Tips

Don't Miss Out On These Important Home Inspection Benefits Whether you're a first-time home buyer or have experience buying real estate, purchasing a new home is exciting. Some people are tempted to skip over the home inspection process and just get the transaction complete already so they can move in and start enjoying their new property, but that's not a good idea. The answer to "Do you really need a home inspection? " is a resounding yes! Even if the property looks perfect to you, and even if it's a brand-new house that has never been lived in, there are some significant home inspection benefits that you'll miss out on if you opt out of this critical part of the home-buying process. The benefits of home inspection don't just apply to buyers, either. Sellers can also benefit from a pre-listing home inspection. Here are some significant home inspection benefits for both buyers and sellers to be aware of. Are Home Inspections Mandatory in Ontario? Home inspections are not legally required in Ontario. Still, they are highly recommended for multiple reasons, as explained below, and can provide home inspection benefits for both parties in a home sale. That being said, it's important to note that just because the government doesn't mandate you to get a home inspection, that doesn't mean you won't be obligated to do so. Some insurance companies will require a home inspection before agreeing to provide insurance coverage for the property. Suppose you opt to go without a...

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- Published: 2024-05-17
- Modified: 2024-05-17
- URL: https://staging.morisoninsurance.ca/news/identity-theft-protection/
- Categories: Insurance Tips

Identity Theft Protection Tips Reports of identity theft are nothing new—it has been a concern for hundreds of years in one form or another. But in the modern age of internet connectivity and extensive documentation, people becoming victims of identity theft is a lucrative business for criminals, and that makes identity theft protection more important than ever. Protecting your identity is more complex than keeping your essential documents under lock and key. It requires ongoing vigilance in multiple areas of your life, but identity theft protection doesn't have to be a significant burden if you know what to look for and have systems to help you keep watch for signs of trouble. That's why the brokers at Morison Insurance put together some essential tips on the best ways for individuals to prevent identity theft. Why Is Identity Theft Protection Important? Identity thieves may not seem like a significant threat. Many assume they can get away with doing the bare minimum or not even thinking about identity theft protection. Still, anyone who has ever had to go through the stress and hassle of recovering their identity from a thief, not to mention dealing with the expense of identity fraud recovery, will tell you that preventative measures are well worth your time and efforts. With a surprisingly small amount of information about you, identity thieves can open bank accounts and lines of credit in your name, apply for mortgages, take your income tax refunds and benefit payments, and much more, leaving you...

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- Published: 2024-05-14
- Modified: 2024-05-17
- URL: https://staging.morisoninsurance.ca/news/rv-destinations/
- Categories: Insurance Tips

The Joys Of Having An RV Having an RV, also known as a recreational vehicle, can be fun. You can use it for camping trips so that even when you're out exploring the wild, you can have all the comforts of home. This means that when you want to visit far-away hiking trails, sandy beaches, lush forests, and more, you can bring a functional home to your camping spot with the knowledge that it’s protected with RV Insurance. There are plenty of options, and with how large and diverse Ontario is, there are so many places with beautiful scenery. As long as you remember your road trip safety tips and your proper RV maintenance, you can choose to go to any location you set your heart to. The RV destinations we’ve picked out have RV parks in them, allowing you to conveniently visit without the worry of parking. Exciting RV Destinations In Ontario One of the most exciting things about Ontario is the vast number of biomes that can be an RV destination for you. Whether you want to have a series of beach days on the shores of Lake Superior, see spectacular views of a national park from a hilltop, go bird watching as you stroll down a gravel road, or one of a thousand other things, Ontario has you covered. There are plenty of popular destinations, a number of which are below. Georgian Bay Township & Parry Sound The Georgian Bay Township, as well as its neighbour Parry...

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- Published: 2024-05-10
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/news/ontario-farm-safety-tips/
- Categories: Business Insurance, Farm Insurance

Farm Safety Essentials for Ontario Farmers Farming is a big industry in Canada; and of course, Ontario is no exception. Ontario is often celebrated for the varied climates and fertile land that allow farms of all types to produce high-quality goods. Danger might not be the first thing that comes to mind when you see a peaceful, rural orchard or cows munching grass in a pasture. Still, as any experienced farmer knows, there are plenty of potential hazards on every farm that could cause injury to workers or damage to the farming operation itself. Awareness of the possibility of danger is only one part of farm safety for Ontario's farm owners, farm families and workers. It's critical to understand the proper safety practices including specific hazards, have a farm safety plan in place, follow through on it to avoid the risk of injury or property damage, and ensure that your farm and everyone on it are safe and sound. 6 Major Risks to Farm Safety The first step toward farm safety and peace of mind is identifying the biggest risk sources for injury and damage. Depending on the type of farm you operate, some of these risks may not apply to your particular operation—if you don't have any livestock, for example, there's no need to worry about handling large animals—but in all likelihood, the majority of them do apply in some way. By correctly and thoroughly assessing risk factors, you have a roadmap for designing your farm safety plan. 1....

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- Published: 2024-05-07
- Modified: 2024-05-14
- URL: https://staging.morisoninsurance.ca/news/auto-insurance-renewal/
- Categories: Auto Insurance, Insurance Tips

An Auto Insurance Renewal Overview Insurance policies don't last forever. While this might seem like a bad thing, it is also something that you can benefit from since it gives you an opportunity to change your current car insurance plan. Maybe you're eligible for more discounts and think you can save. Perhaps you've made some changes in your life and want to alter your insurance plan accordingly. It's possible you might not be happy with your current insurance provider and want to shop around to see if a competitor can give you a better bargain. Maybe you've re-read your accident benefits or third party liability sections and want to make changes in case of a personal accident. Regardless of the reason, it can be a chance for you to improve your insurance situation, and you shouldn't just do it to get it out of the way. What Is an Auto Insurance Renewal In Ontario? An auto insurance renewal is your chance to make the changes you want. Auto insurance contracts are temporary, and when your auto insurance policy is set to expire, you have the opportunity to renew it. This is a perfect time to adjust your coverage to better suit your current situation. With the proper preparation, you can take a situation that can be stressful for a lot of people and turn it into an opportunity. Does Auto Insurance Renew Automatically in Ontario? It depends. Many policies are set up by insurance companies to automatically renew unless the...

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- Published: 2024-04-16
- Modified: 2024-04-16
- URL: https://staging.morisoninsurance.ca/news/winter-tires-in-summer/
- Categories: Auto Insurance, Insurance Tips

The Temptation To Use Winter Tires In Summer It is recommended that every car owner switch to winter tires in the colder months. Winter tires are great at handling the dangerous road conditions found during winter driving. The thought of using winter tires in the summer months might sound like a great idea to many people. Using winter tires in summer and winter would certainly save you a lot of hassle since you wouldn't have to get your tires switched twice a year. You'd be covered in the off chance that a snowstorm happens after you've switched back to all-season tires or if there's ice in the earlier part of fall. Also, it would make sense that since you already have winter tires on, you would be getting your winter tire insurance discount. Unfortunately, things are a little bit more complicated than that. Can You Use Winter Tires In Summer? While you technically can use winter tires in summer, it is not recommended. There are many reasons for this, the majority of them are safety-related, such as increased brake distance and trouble turning, very similar to the problems you would face for using all-season tires in winter. There are also issues like increased hydroplaning. In addition to the safety issues, there are many economic ones, including the fact that winter tires will wear out faster in the summer and that your car will be less fuel-efficient if you do this. What Tires Should I Use In Summer? Summer tires or...

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- Published: 2024-04-09
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/home-safety-equipment/
- Categories: Home Insurance, Insurance Tips

What Is The Importance Of Safety Equipment At Home? Having the proper safety equipment at home is extremely important for protecting you, your loved ones, and any valuable possessions, not to mention your home itself. Home safety equipment can provide peace of mind regarding reducing the risks of emergencies and preventing extensive property damage. Practicing home safety with the correct equipment is important for all home members, regardless of age. Identifying potential hazards and reducing the risk of injury can be done when you begin to think of having home safety equipment. Who Needs Home Safety Equipment? If you have a home, whether that's an apartment, townhouse, traditional house, or anything in between, you should invest in home safety equipment. Emergency tools increase your personal safety, regardless of if you live alone, with family, or roommates. Adding simple equipment can prevent many dangers and protect some of the items that matter to you most. Why Do I Need Safety Equipment at Home? Everyone should own home safety equipment. You never really know when you will need it, but having the proper tools in an emergency situation at home can make all the difference in your safety. Home safety equipment can save the lives of you and your loved ones and prevent massive property damage, saving you substantial financial stress in the future. Some equipment is required by law to have in your home, such as smoke alarms and carbon monoxide detectors. Other equipment can be an extra layer of protection...

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- Published: 2024-04-02
- Modified: 2024-06-21
- URL: https://staging.morisoninsurance.ca/news/camping-safety-tips/
- Categories: Insurance Tips

Outdoor Safety Guidelines for Campers Ontario is a gorgeous province with lots to offer, so it's no surprise that many residents want to venture into the wilderness and disconnect from busy city life. Because of its many beautiful provincial parks, camping in Ontario has become such a popular activity. While camping can be a lot of fun, it's critical to know the importance of camping safety. This is why we put together 9 camping safety tips that can make all the difference in your camping experience. 1. Choose the Right Shelter and Site As you're considering going on a camping trip, it's important to first consider the location of your destination. Choosing the appropriate camping site can make all the difference in both the fun you have and your safety. There are inherent risks you may encounter depending on the different Ontario parks you decide to visit. More experienced campers might consider more remote locations that may require hiking on rocky terrain or boating to access, where others may enjoy a cabin experience. The safety risks vary but will increase based on the amount of physical activity that is involved. Additionally, finding the right location becomes dependent on the type of shelter you want to camp in. Some people may only require a tent, while others may prefer RV camping and must find RV destination to accommodate them. By understanding where you will be travelling and how much space you will have, you can be better prepared and know what...

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- Published: 2024-03-22
- Modified: 2024-03-22
- URL: https://staging.morisoninsurance.ca/news/garden-maintenance-tips/
- Categories: Home Insurance, Insurance Tips

The Importance of Proper Garden Maintenance There are a few things out there that look more impressive than a fully-grown garden with all the gardener's favourite plants. Flower gardens are beautiful whether they have the beauty of roses, the mighty sunflower, or a bunch of perennials that keep coming back. Not to be outdone, however, vegetable gardens are also great. No carrot, tomato or cucumber tastes better than the one you've grown yourself. Some gardens even have a mixture of both types of plants, allowing you to get the best of both worlds. It is important to keep in mind that getting a garden into a fully functioning state can be very challenging, especially for new gardeners. However, skipping garden maintenance could lead to seeing your flowerbed overrun with Creeping Charlies that cause your flowers to wilt or finding your vegetable garden unable to bear any delicious bounty. While it's smart to financially protect yourself from theft and disaster with garden insurance, minimizing the chances of something going wrong is also important. A handful of garden maintenance tips can help increase the odds of your garden fully sprouting into something you can take pride in. 9 Garden Maintenance Tips Regular maintenance is the key to making anything stay sustained long-term. Creating a healthy garden is no different. While it is a fool's errand to completely control nature since life always finds a way, you can follow some garden maintenance tips to hold it at bay just long enough to allow...

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- Published: 2024-03-19
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/hvac-maintenance-tips/
- Categories: Home Insurance, Insurance Tips

Ontario HVAC Maintenance Tips for Homeowners Ontario may not have Canada's harshest weather patterns, but the temperatures here can still be extreme—and high humidity levels make those temperatures feel even more uncomfortable. That's why most Ontarians treasure the HVAC systems that help us keep our homes at the perfect indoor comfort level all year round. But your HVAC is a very complex system with a lot of moving parts, and that means there's plenty of opportunity for breakdowns and malfunctions that could leave you shivering in the winter season, sweltering in the summer months, inconvenience you with costly repairs or an impacting on your home insurance. The best way to avoid those unpleasant situations is by following a few essential HVAC maintenance tips. These tips can keep your system in great shape for longer, help prevent issues, and even save you some money on your energy bill. Here are a few essential Ontario HVAC maintenance tips from the reliable brokers at Morison Insurance. Your HVAC Maintenance Checklist HVAC systems can vary quite a bit depending on the components you have installed at your home, whether that's an air conditioner, a heating system, or just a heater. While not every home has an air conditioning system, it's safe to say that no one can go without some variety of heater when temperatures plunge during a chilly Ontario winter. These HVAC maintenance tips apply to most HVAC combinations, particularly those that utilize ductwork in a forced-air system for central air conditioning units,...

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- Published: 2024-03-15
- Modified: 2024-03-15
- URL: https://staging.morisoninsurance.ca/news/renting-to-students/
- Categories: Insurance Tips

The Opportunity Of Student Rentals Being a landlord is always an excellent financial opportunity. Being able to use your current assets to generate a sustainable source of income is an excellent investment. One type of tenant that can get overlooked is post-secondary students. Renting to students, a group often stereotyped as loud, messy and disruptive, you'll likely find that most students don't fit this stereotype and can be good tenants when given a good opportunity. There's minimal risk involved to property owners, especially those who have landlord insurance. What Are Some Pros Of Renting To Students? At first glance, it might seem more appealing to go with tenants who have previously rented and thus have more experience living on their own. However, there are many reasons why renting to students can be great for you and leave you very happy as a landlord. Constant Demand For Student Housing Something that can be a constant fear for landlords is if their location becomes undesirable. There’s also a chance that, for some reason, they don’t get any suitable tenant applicants for a certain amount of time while the dwelling is unoccupied. With student housing, there is no need to worry about this being a long-term situation. As long as the school year is on, you will almost certainly have plenty of students wanting to rent you your location, meaning you’ll never be left with an empty property for very long. Increased Rental Income As much as you enjoy helping students find an...

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- Published: 2024-03-14
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/home-insurance-renewal/
- Categories: Home Insurance, Insurance Tips

Home Insurance Renewal in Ontario 101: What to Know Insurance renewal time rolls around regularly—typically once per year. Many people don't think very hard about renewing insurance; they just give the notice or renewal package a cursory glance and, assuming there are no major changes to insurance premiums, leave it alone to auto-renew. But it's important to take the time to think about any significant changes that have occurred over the last year that may affect your coverage and premiums or leave you underinsured with your current policies. Here's what policyholders can expect when it's time to deal with insurance renewal, as well as some important questions to ask yourself before renewing insurance so you can be certain you're recalling all the critical information and relaying it to your Morison Insurance broker. What to Expect When It's Home Insurance Renewal Time What happens when it's time for the annual renewal period on your home insurance policy? It's typically pretty straightforward—your broker at Morison Insurance will send you your insurance renewal notice, which explains any updates to your policy terms and premiums. Take the time to review it carefully. Most policies are on automatic renewals, so if you're satisfied with the terms outlined in the renewal notice, you can let it renew and continue on for the next year. If you're unhappy with the terms or premiums or wish to add optional coverages, contact your insurance broker ahead of the renewal date so they can shop around with other insurance companies...

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- Published: 2024-03-08
- Modified: 2024-03-08
- URL: https://staging.morisoninsurance.ca/news/prevent-basement-flooding/
- Categories: Home Insurance, Insurance Tips

Prevent Basement Flooding Before It Happens A dry basement is something that we can take for granted. We may not be near the ocean, but many of us are near lakes and rivers. We may not see many hurricanes, but we can still see heavy rainfall. We may not see permafrost, but it does snow. Any of these can lead to potential basement flooding. The cost of repairing a basement flood can cost you thousands of dollars and stress. That is why it is important that homeowners take every possible step to ensure to help prevent basement flooding. Tips To Help Prevent Basement Flooding While you can't control water, there are steps you can take beyond obvious things like 'keep your basement window closed' and 'turn the sink off when you're not using it' that can help you prevent basement flooding. While building an entire dam is certainly overkill, there are much smaller, simpler, cheaper, and more aesthetic actions you can take. One of the easiest ways to avoid financial hardship is by getting additional coverage on your home insurance, such as overland water coverage. While no single action you take will make you immune, each of these recommendations is a small step you can take in preventing basement flooding. 1. Repair Cracks In The Foundation A great home is built on a good foundation. Structural damage to the foundation walls will allow water above the basement to seep inside, especially if there is lots of groundwater or, even worse,...

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- Published: 2024-03-07
- Modified: 2024-03-07
- URL: https://staging.morisoninsurance.ca/news/tenant-insurance-myths/
- Categories: Home Insurance, Insurance Tips

Let’s Get You The Facts About Tenant Insurance Myths People looking for their first rental are often confused when discussing tenant insurance, also known as renters insurance, with some surprised that such a thing even exists. This is understandable, given that insurance can be complicated and most first-time renters are young. Even people who have dealt with similar situations might raise an eyebrow at the concept. After all, insurance is usually paid on something you own so that if something happens, the costs of overcoming it are reduced. When put into this perspective, the idea seems strange. Being a renter means you don't own your dwelling, so why would you need insurance? Seemingly contradictory situations like this are responsible for many common misconceptions in the insurance industry, including some common tenant insurance myths. This article is here to debunk some of those myths so that you better understand what's needed. Does My Landlord's Insurance Cover Me And My Belongings? A common tenant insurance myth is that a landlords policy covers the tenant. Your belongings are your responsibility and are covered by a tenants insurance policy. Landlord insurance is designed to cover your landlord in the event of something they are responsible for going wrong. This means that if your landlord doesn't do the maintenance tasks that are their responsibility by law, their landlord insurance might not cover them. Your landlord's insurance policy would also cover things provided for the tenant, such as a fridge, oven, or furnishings that are part...

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- Published: 2024-03-05
- Modified: 2025-05-12
- URL: https://staging.morisoninsurance.ca/news/spring-car-maintenance-checklist/
- Categories: Auto Insurance, Insurance Tips

Keep your car in tip-top shape by following these spring car maintenance tips! Change to summer or all-season tires. While you're at it, make sure to rotate your tires and get an alignment. Clean the interior and exterior of your vehicle. Check your vehicle suspension, brakes, engine belts and hoses. Get an oil change. Review your car insurance policy. Keep reading to learn why these simple spring car maintenance tips can make a big difference. Ontario Spring Car Maintenance Checklist When the weather warms up, the grass turns green, and the birds start chirping, it's time for vehicle owners to pay attention to spring car maintenance. Diligent preventative maintenance will go a long way toward keeping your car in safe, durable, and attractive condition so you don't have to worry about costly repairs or replacements as often and can have the peace of mind that comes with knowing your vehicle is safe to drive. If you need help figuring out where to start, the brokers at Morison Insurance have you covered with some spring car maintenance tips that will help to keep your vehicle operating smoothly throughout all the seasons. Why Spring is the Perfect Time for Car Maintenance in Ontario Vehicle maintenance can be done any time of the year, but spring car maintenance is an excellent idea here in Canada. Ontario residents and their cars are subjected to long, cold winter months and harsh weather conditions that can cause accelerated deterioration from all the snow, ice, grime, gravel...

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- Published: 2024-03-01
- Modified: 2024-06-21
- URL: https://staging.morisoninsurance.ca/news/ontario-road-trip-ideas/
- Categories: Auto Insurance, Insurance Tips

The Fun Of Road Trips Despite all the places you can fly to nowadays, Ontario road trips are still very popular, and it's easy to see why. Sometimes, you want to avoid paying the high prices of air travel and deal with the chaos of an airport. There are other times when you're not going very far, and a car will do the job. You may like the scenery nearby or enjoy the reward of making it to the destination yourself. Whether you're looking for an afternoon away, taking a weekend trip, going to your favourite RV destination, or spending an entire week away from home, as long as you ensure you have proper car insurance and keep road trip safety tips in mind, you'll be good to go. While scenic road trips are a great way to spend time with your family or friends away from home, you must ask yourself an important question: where are you going? Would you rather get away from the hustle and bustle of the city and enjoy nature instead, visit a variety of cute towns, or get the excitement of seeing a beautiful city that's very different from the one you live in? Do you want to get the thrill of visiting a place a day or two away, or do you prefer the convenience of only being a few hours from home? No matter your destination, an Ontario road trip can provide what you want. Many Great Ontario Road Trips Across The...

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- Published: 2024-02-23
- Modified: 2024-02-23
- URL: https://staging.morisoninsurance.ca/news/what-is-a-certificate-of-insurance/
- Categories: Insurance Tips

What Is A Certificate Of Insurance? A certificate of insurance (COI) provides proof of an existing insurance policy to a third party who requests it. The document provides a summary of liability coverage on the insurance policy. Certificates of insurance provide proof that businesses are adequately protected in case something goes wrong. Most business owners will have to prove that they have business insurance at some point. Why Are Certificates Of Insurance Necessary? A COI is commonly requested in business contracts. Almost any independent contractor, freelancer or other business owner has likely had a client request a COI before beginning the arranged work. Many clients, especially those hiring for large jobs where something could go wrong, will refuse to make business arrangements with contractors or business owners who can't provide one. Usually, the party asking for a COI wants to ensure you have proper coverage. Even if you are confident nothing will happen and take every possible risk management precaution, an accident or false accusation could happen, landing you and your client in hot water. In such an instance, insurance protects you and your client against these claims. A COI proves the holder is adequately insured and thusly protected in such an event. For example, let's say you're an electrician hired to install wiring in a new building. To protect themselves, the company overseeing the construction may require you to prove that you have electrician insurance. The company in charge will require this of all contractors working on the project....

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- Published: 2024-02-06
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/protecting-vacant-commercial-property/
- Categories: Business Insurance, Insurance Tips

Protecting A Vacant Commercial Property In Ontario Investing in a commercial property is typically because you plan to make good on that investment by putting the property to work as a functioning business location. The plan rarely lets it sit vacant for months or years on end, but sometimes plans change, and there's no choice but to leave a building unoccupied for an extended period. Of course, that can make it a target for criminal activity and leave it vulnerable to other types of damage, such as pest infestations, water damage and fire. That's why it's so critically important that commercial property owners know how to protect vacant commercial property in Ontario and take the necessary steps to do so. The last thing you want is for your investment to be destroyed while you're waiting for your opportunity to move to the next phase of what you have planned for it. These tips will give you a sense of what you need to do to protect a vacant commercial property so you can rest assured it's secure and sound while you're not there and ready to go when needed. Why Is It Important to Have Commercial Vacant Property Insurance? Before we dive into the various methods you need to know about protecting a vacant commercial property, we need to talk about the very first thing you should do to protect yourself if something goes wrong. If damage occurs, get the right commercial vacant property insurance. Like all other insurance policies,...

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- Published: 2024-02-01
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/prevent-ice-damming-on-roof/
- Categories: Home Insurance, Insurance Tips

Avoiding Roof Ice Dams Those icicles dangling from the eaves of your house may look picturesque in a wintery way if you live in Ontario, but they're a sign that your roof could be suffering damage from ice damming. Your roof is like a shield for the rest of your house, so it's built to last and can take a lot of abuse, but its longevity depends on its ability to rid itself of excess water, and that ability is seriously hindered when ice dams form. So, what are the best ways to prevent ice damming on a roof? Why does it matter so much? And what exactly is ice damming anyway? Here are some answers to those questions from the brokers at Morison Insurance, along with tips and tricks for both fast, temporary solutions and long-term solutions when you need to know how to prevent ice damming on a roof. What Is Ice Damming? You may have a basic idea of ice damming, but because it happens way up there on your roof, it's challenging to get up close and see what's happening. Ice damming occurs when your warm roof begins to melt snow and ice, but the eaves—the part hanging over the edge of your exterior walls—are not warm. This means the excess snow that has fallen on your roof melts, and the water rolls down to the roof's edge, where it freezes and forms a "dam" of ice that prevents trapped water from falling off the eaves...

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- Published: 2024-01-30
- Modified: 2025-04-30
- URL: https://staging.morisoninsurance.ca/news/ontario-car-seat-laws/
- Categories: Auto Insurance, Insurance Tips

The Importance Of Using The Right Car Seat Your children mean more than anything else in the world to you. One of your responsibilities as a parent is ensuring their safety, including their safety on the road. While car seats are the solution, it’s easy to underestimate the difficulty of getting the right one. Having a car seat that’s too big or too small can threaten the child’s safety. Every child is different, and as a result, every child will need a different car seat. While this doesn’t mean you’ll need to build your own child’s car seat from scratch, it does mean you will face some tough decisions when it comes to getting your child the right one. Luckily, Ontario car seat laws that have been tried, true and tested for decades are still holding up. Following these will ensure car seat safety for your kids. What Are The Car Seat Laws in Ontario? In Ontario, it is not just a mere recommendation that a child is given a proper car seat, it’s the law. Those breaking child car seat laws risk fines and demerit point losses. While this might seem scary, they’re nothing compared to the horrifying increased risks to your child if an accident were to happen. You must also remember it’s not always as simple as getting one car seat the entire time. As your kid grows, you’ll need a newer, bigger car seat to keep your child safe and for you to keep up with...

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- Published: 2024-01-25
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/registering-an-ontario-business/
- Categories: Business Insurance, Insurance Tips

What Is Meant By Registering A Business? Registering a business means getting your business officially recognized by the Ontario government. While it might seem like some arbitrary paperwork, plenty of legalities are attached to the idea of a registered business. Although it might seem like you can jump right in and mow clients' lawns, teach them fitness, pave their driveways or perform whatever services you do for your clients, making your business recognized by the government makes certain aspects of your business, such as location, identity and tax rules clear from a legal viewpoint. You must register your business with the Ontario Business Registry, and can be done through Service Ontario. Who Can Register A Business In Ontario? Anyone who starts a business in Ontario can register a business in Ontario. However, some people will need to take additional steps to properly register their business legally. Anyone who is not a Canadian citizen or a permanent resident of Ontario must do additional paperwork and find a location within the province to operate out of. Additionally, anyone under 18 will not be able to sign their own documents and will need to have a parent or other guardian do so on their behalf to register a business in Ontario. Do I Need To Register My Business? Registering your business is almost certainly a legal requirement. If your business makes $30,000 per year or more, you will be required to register your business. This is because you need to register for a...

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- Published: 2024-01-23
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/sump-pumps/
- Categories: Home Insurance, Insurance Tips

What Is A Sump Pump? A sump pump is a device that is designed to prevent flooding. They are a recommended device for any home that has a basement. Sump pumps will collect water underneath your home. When a certain amount of water is collected, it will pump it out through certain tubes or pipes, moving the excess water to a safe location of your choosing. This provides an extra layer of defence against flooding in your basement. Why Should I Have A Sump Pump? Any home is at risk of being flooded since water can always build up in a home's foundation over extended periods. This build-up means that your basement could get flooded even if you are fortunate enough to live in an area that never suffers from large rain storms. A sump pump system is designed to prevent this. While you might find the cost of a sump pump slightly intimidating, the savings it can provide far exceed the price. While a sump pump will cost you hundreds, or maybe even a couple of thousand dollars, simply by preventing a single flooding incident, it can save you thousands, or even tens of thousands of dollars in out-of-pocket repairs for things like structural damage, damage to the basement itself and many of your belongings. Even if you have a great home insurance policy, contents insurance, and overland water insurance that could cover these costs entirely, your rates could significantly increase, which in the long run, will still cost...

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- Published: 2024-01-18
- Modified: 2024-03-20
- URL: https://staging.morisoninsurance.ca/news/keep-your-dog-safe-while-driving/
- Categories: Auto Insurance, Insurance Tips

The Joys Of Having A Dog If there's one thing we love here at Morison as much as helping our clients and celebrating holidays with each other, it's dogs. We have a dog-friendly office, meaning that our colleagues and clients enjoy the presence of each of our beloved canines. We are not alone, as dogs are the most popular type of pet in the world and second most popular in Canada, finishing just a whisker behind their feline friends. Any dog owner knows a dog's role in your life: walking buddy, emotional support provider, and live-in best friend for your kids, among others. They're full of energy, are always up for games, and will always let you know that they love you as much as you love them. However, being a dog owner isn't always a walk in the park. Having a dog is a lot of work. You have to feed them, give them regular exercise, get woken up at 6 am, and deal with their unmatched hatred of the vacuum cleaner. No matter how much work they are, the joy they add to your life is irreplaceable. When you and your family leave for anything from a week-long Ontario road trip to an afternoon trip downtown or even just a quick car ride, it's tempting to take your dog with you. As much joy as this can bring, you must take specific steps to keep your dog safe while driving. Dangers Of The Road While many of us...

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- Published: 2024-01-11
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/benefits-of-business-alarm-system/
- Categories: Business Insurance, Insurance Tips

Why Your Commercial Property Should Have a Business Alarm System If you're like most business owners, you've invested a considerable amount of your time, money and effort into your commercial property and all that it contains. Whether that means manufacturing or hospitality equipment, stock and inventory, or even computers and servers storing valuable intellectual information or sensitive data, it's crucially important to the success of your business that it is adequately protected. There are multiple ways to protect your business, and while an alarm system may not be the only method out there, it's a big one that needs to be carefully considered. It's not just a matter of whether you should have an alarm system for your business (you should! )—it's also a matter of what type or types you should have. There are many options out there, and the best way to figure out a solid security plan for your commercial property is to consider the benefits to your particular business so you can narrow down what's most important for your commercial security. What are the Types of Business Alarm Systems for Commercial Properties? Let's talk about the different varieties of commercial alarm systems available for your business. Remember that just one type isn't necessarily going to be sufficient to protect your business—you may need more than one type of system,. The best type or types will depend on factors such as what you are protecting, who (or what) you are protecting it from, the configuration and location...

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- Published: 2024-01-03
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/tips-to-prevent-shoplifting/
- Categories: Business Insurance, Insurance Tips

The Damage Shoplifting Can Do To A Business Shoplifting is a serious threat to any business. It is estimated that one in ten shoppers steal with some regularity. The amount of damage retail theft can do is undoubtedly noticeable. While many stores lose out to large thefts all the time, a series of small thefts can also add up quickly. For this reason, you should learn how to prevent shoplifting to minimize its impact on your business. Anything From Any Store Can Be Shoplifted No type of store is immune to being targeted by a shoplifter. This is because each store sells stuff that's of value to someone. You might think certain items are immune to shoplifting, but they are not. Large, expensive pieces of clothing are a common target, as they can get stolen by someone sneaky enough to outsmart the employees. However, it's not always the large, flashy items that are targets for opportunistic shoplifters. Something you should know if you hope to prevent shoplifting is that small items that only cost a few dollars are the most common targets. A chocolate bar or similarly sized object can be slipped into a jacket pocket without anyone else noticing, while something like a piano can't. Also, getting reimbursed for several smaller incidents makes store insurance claims more difficult. 15 Ways You Can Prevent Shoplifting Any shop owner can take steps to prevent shoplifting by adding security measures. Here are plenty of ways to reduce the chances of your business...

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- Published: 2023-12-29
- Modified: 2023-12-29
- URL: https://staging.morisoninsurance.ca/news/premises-liability-insurance/
- Categories: Business Insurance, Insurance Tips

Key Insights into Premises Liability Insurance for Business Owners From hospitality and retail to offices and service providers, many businesses operate out of a physical location that will be visited by customers, clients, business partners, delivery drivers and those providing business-to-business services. Even if your business is not customer-facing, it likely doesn't operate in complete isolation, and that's why it's so essential for Ontario business owners to understand premises liability insurance. Regardless of how careful you are and how many precautions you take to avoid accidental injury, there's always the potential for something to go wrong that could cause third-party bodily injury. With the right premises liability insurance, you can get the financial help necessary to deal with the cost of being found liable for the injured party on your business property. Please speak to your reliable broker at Morison Insurance to find out more about premises liability insurance and make sure your business has the coverage it needs to thrive. What Is Premises Liability Insurance? Premises liability insurance, which is sometimes referred to as liability, is an essential type of business insurance coverage that applies to the legal and settlement costs that a business owner can incur if they are accused of being liable for causing third-party bodily injury that occurs on their commercial property. A typical example is a slip-and-fall accident—a customer entering your business slips on a patch of ice outside the front door, injuring themselves. They could then bring legal action against you, alleging that you...

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- Published: 2023-12-28
- Modified: 2023-12-28
- URL: https://staging.morisoninsurance.ca/news/prevent-theft-of-tools-materials-and-equipment/
- Categories: Business Insurance, Insurance Tips

The Value of Tools, Materials and Equipment No matter who you are or what you do, there is some value to your tools, materials and equipment. Whether you're a gardener who needs a few select tools that can be bought at a local store to help grow some beautiful and fruitful plants, a tradesperson with a large variety of specialized gizmos and gadgets you're specifically trained to use, or you run a whole construction site with a seemingly endless inventory of machines needed to get a job done, there are some contraptions you need to use to get the job done. It can be tough for a plumber to get the job done without a pipe wrench or a welder to do their job without a blowtorch, so making sure your expensive items don't get stolen is essential. Everyone from multi-million dollar construction companies to independent tradespeople can make their job site more secure to prevent theft of tools, materials and equipment. Anything Can Get Stolen Workplaces are vulnerable to theft in ways they might not expect. For example, stealing from something like a construction site seems laughable. The first thing many people think of when they think of a construction site is heavy machinery designed for massive construction projects. A bulldozer wasn't intended to be a getaway vehicle and is also not very concealable, so someone stealing one might seem ridiculous. However, that's not usually what gets stolen. Although heavy equipment can get stolen and would be a devastating...

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- Published: 2023-12-19
- Modified: 2024-08-30
- URL: https://staging.morisoninsurance.ca/news/wood-fireplace-maintenance/
- Categories: Home Insurance, Insurance Tips

What To Know About Wood Fireplace Maintenance There's a good reason why wood-burning fireplaces are such desirable amenities in homes throughout Ontario and the rest of Canada—who doesn't love the thought of curling up in front of a crackling fire while the snow falls and the cold winds howl outside? But they're not just for aesthetics, as a wood fireplace can also provide enough heat to efficiently warm a house or at least seriously reduce the heating power required by your HVAC system, saving you a lot of money in the long run. As desirable as fireplaces and wood stoves are, they do need regular wood fireplace maintenance to continue operating safely without causing damage to your home or even health issues for the members of your household. Here are some tips for fireplace maintenance and the benefits of keeping your wood-burning fireplace well-maintained. Benefits of Wood Fireplace Maintenance You're probably already well aware that you should maintain your fireplace, but why? There may be benefits to keeping up with wood fireplace maintenance that has never crossed your mind. Here are a few of the biggest reasons why ensuring that fireplace maintenance is taken care of regularly is so important. Prevent House Fires This is the biggest reason for diligent wood fireplace maintenance is simple fire safety. Without regular maintenance, your fireplace and chimney can become clogged with creosote build-up that can catch on fire inside the chimney, sending flames shooting out the fireplace opening. Proper wood fireplace maintenance will...

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- Published: 2023-12-15
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/news/why-tenant-legal-liability-insurance-is-necessary/
- Categories: Business Insurance, Insurance Tips

The Need for Tenant Legal Liability Insurance in Ontario's Commercial Rentals It's a widespread practice for business owners to rent or lease the commercial space they use to operate their business, which makes plenty of sense—prime commercial real estate is often owned by companies with large portfolios who lease it out to business owners who need all or part of a building where they can provide their products or services. However, renting or leasing business property does leave business owners susceptible to liability for damaging or destroying the property accidentally or negligently. The best way to transfer that liability risk is with the right tenant legal liability insurance. Contact the experienced brokers at Morison Insurance to learn more about tenant legal liability and ensure you have the necessary coverage to avoid paying out of pocket should you be found liable for damaging your leased commercial property. What Does Tenant Legal Liability Insurance Cover? Tenant legal liability insurance is coverage for the loss of or damage to a leased property that is accidentally caused by the tenant, directly or indirectly. That means the damage doesn't have to be caused by the tenant (typically a business owner in a commercial lease)—their employees could also cause it, and the coverage will still apply. No matter how much care you take to keep your leased commercial space in pristine condition, there are always ways that damage can occur that are beyond your control, and of course, accidents happen to even the most cautious people....

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- Published: 2023-12-13
- Modified: 2025-06-23
- URL: https://staging.morisoninsurance.ca/news/what-is-a-waiver-of-depreciation/
- Categories: Auto Insurance, Insurance Tips

Understanding A Waiver of Depreciation While there's nothing wrong with purchasing a used vehicle, there's something special about driving a brand-new car off the lot as its first owner—and it's not just that new car smell. You get to research the perfect vehicle for you, from performance and features to style and even colour, and you can even customize the details for a unique combination that's all yours. But that pride of ownership makes it all the more heartbreaking if your new car suffers damage in a total loss accident or is stolen, and you cannot get the insurance compensation necessary for another brand-new vehicle because the value has depreciated. The solution to that problem is adding waiver of depreciation coverage to your auto insurance when you purchase your new car or truck. With a waiver of depreciation, Ontario vehicle owners can rest easy knowing they can replace their new vehicle with another brand-new truck or car should it be stolen or involved in a total loss accident. Here are the answers to a few common questions about a waiver of depreciation from the insurance experts at Morison Insurance. What Is a Waiver of Depreciation in Ontario? So, what exactly is a waiver of depreciation? Ontario auto insurance brokers strongly recommend adding a vehicle depreciation endorsement to auto insurance coverage for anyone purchasing a brand-new vehicle. Suppose you've never experienced the total loss of a vehicle within the first couple of years of driving it off the lot. You may...

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- Published: 2023-12-05
- Modified: 2023-12-05
- URL: https://staging.morisoninsurance.ca/news/business-fire-prevention-plan/
- Categories: Business Insurance, Insurance Tips

Why Your Business Needs a Fire Prevention Plan When a fire breaks out, it's not uncommon for people to panic. Due to the fast-spreading nature of flames and the hazardous effects of smoke, finding an exit quickly is a top priority for building occupants, who, in fear, may scramble to get out. Educating building occupants about fire prevention, safety, and control can help save lives and prevent property destruction. However, that's just one of the many steps you, as a business owner, can take to ensure safety. A Fire Prevention Plan educates employees or building residents about what to do in the event of a fire, but it also outlines the procedures they will follow to stop fires from occurring in the first place. In the sections ahead, you'll learn the ins and outs of a Fire Prevention Plan and its many benefits to fully understand the importance of implementing one in your workplace. What is a Fire Prevention Plan? A Fire Prevention Plan is a document that outlines the details of fire safety protocols in your building or on your property. Fire safety plans should always be specific to your property or business and formulated after completing an audit, paying close attention to the exit and entry points, property layout roadways, and building use. The audit should also examine the water or fire department connections, alarm systems, and sprinkler systems, as well as how certain items (i. e. , chemicals and electrical systems) are stored and used in your...

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- Published: 2023-12-04
- Modified: 2025-02-12
- URL: https://staging.morisoninsurance.ca/news/small-business-risks/
- Categories: Business Insurance, Insurance Tips

8 Small Business Risks And Ideas For Managing Them We've all heard the old adage, "Nothing ventured, nothing gained," and that's certainly never more true than when you're starting a small business and working on growing its success. You have to take risks to reap the rewards—but owning a small business can expose you to potential risks you may not have even considered. While it's sometimes necessary to take a leap of faith, there are several small business risks that can and should be mitigated with a robust risk management strategy that will give you a safety net and let you bounce back when things don't work out as perfectly as you may have hoped. No matter how carefully you run your business, mistakes can happen. Or, maybe you run into an unexpected event that results in business losses that you haven’t accounted for. That's why managing small business risks includes having the right small business insurance in place to address the perils you're most likely to encounter while operating your unique commercial enterprise. Our team at Morison Insurance has put together this list of small business risks to help small business owners identify potential small business threats to their operations and how to mitigate them with the right insurance plan in place. 1. Liability Business Risks There's no doubt that liability is one of the most serious and common risks that small business owners face in today's commercial world. Many business owners assume the risk of being sued is...

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- Published: 2023-11-30
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/prevent-a-home-break-in/
- Categories: Home Insurance, Insurance Tips

Preventing Home Break-ins Hearing an unusual noise in the middle of the night or finding your front door ajar when you return from vacation is a homeowner’s nightmare. With crime rates escalating year after year, the chances of your home being broken into are ever-growing. Taking steps to prevent a home break-in can significantly reduce this risk, and thankfully, there are plenty of tried and true methods that homeowners such as yourself can implement today. While no single method may be enough to stop a property crime from occurring, using a combination can ensure your belongings remain safe even if a thief does make it into your home. Whether you’re planning a vacation or simply want to step up your level of security, implementing any of these security tips can help prevent a home break-in and lower the chances that a thief will successfully cross your threshold. 1. Audit your home security Knowing your home's current security status will help you determine which security measures to implement, which to upgrade, and which you can skip out on. You may be surprised to find that elements of your home (i. e. , windows, doors, outdoor areas, etc. ) already have adequate security features to prevent a home break-in. On the contrary, you may find some security concerns in your home. Some home security features that may already exist in your home may have an impact on your home insurance. Make sure to speak with you dedicated Morison Insurance broker about any...

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- Published: 2023-11-23
- Modified: 2024-06-27
- URL: https://staging.morisoninsurance.ca/news/things-to-think-about-when-downsizing-your-home/
- Categories: Insurance Tips

5 Questions to Ask Before Downsizing Your Home Most people think of downsizing a house as something that is just for empty nesters who have sent their kids off to college and are rattling around in a home that's overly large for just one or two people. Admittedly, that is one of the most typical reasons to consider downsizing your home. But there are other good reasons and moments in life when downsizing may make plenty of sense, such as a desire for a more minimalist lifestyle that is less centered around belongings or the need for a home that is easier to manage and more accommodating to those with reduced mobility. At the same time, it's a huge decision to make, and the following process can feel overwhelming and fraught with hidden pitfalls. If you're currently pondering whether downsizing your home is the right move for you, there are a few questions you can ask yourself to get to the bottom of it and make a choice that you'll be happy with for years to come. Take the time to ask and answer these questions, and you'll have a much clearer idea of whether or not downsizing your home should be the next major step in your life's journey. 1. Can I Save Money By Downsizing? Homeowners usually don't enjoy the actual moving part of a relocation, and that makes sense because, frankly, it's a lot of work to pack up absolutely everything you own—not to mention the stress...

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- Published: 2023-11-21
- Modified: 2023-11-21
- URL: https://staging.morisoninsurance.ca/news/snowbird-insurance/
- Categories: Auto Insurance, Home Insurance, Insurance Tips

Travelling South In The Winter There are plenty of questions you can ask people to get to know them better. Are they an early bird or a night owl? Are they a cat person or a dog person? (Lots of dog people here at Morison). Do they prefer summer or winter? For those who like summer, Ontario’s colder months might be a time of year when they feel less at home. While those who enjoy the colder temperatures of a Canadian winter can enjoy tobogganing, hockey and snowmobiling, those who like the summer might wish they could enjoy their preferred activities without shovelings snow. Many of these people who love summer, especially those enjoying the freedom of retirement, choose to become snowbirds, and enjoy the warm weather for a longer period of time. Those who do so will require that they protect their home and vehicle with snowbird insurance. What Are Snowbirds? There are a few definitions of the word 'snowbird. ' The type of snowbird we are referring to goes to warmer climates when the temperature at home gets close to zero during the winter months, often staying in warmer places for several months. For those who enjoy summer and have the financial freedom to travel, it can be appealing to be playing beach volleyball and exploring warmer destinations while your friends back home are stuck having to spend an hour on snow removal just to get to the grocery store. As fun as the experience of enjoying more...

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- Published: 2023-11-16
- Modified: 2025-05-09
- URL: https://staging.morisoninsurance.ca/news/environmental-home-updates/
- Categories: Home Insurance, Insurance Tips

Reducing Insurance Claims with Environmental Home Updates If you've been thinking about making some environmental home updates to your home, you've probably been focused on the benefits of reducing your carbon footprint and increasing your energy savings. But did you know that many environmental home updates can also positively impact your home insurance coverage? From an upgraded roof to a new water heater, there are many ways you can help the environment, save money on your utility bill, and potentially even lower your homeowner's insurance rates. If you're interested in learning more about the connection between making your home more environmentally friendly and improving your home insurance coverage, give us a call to speak with your knowledgeable broker at Morison Insurance. How Environmentally Friendly Home Updates Can Impact Insurance Coverage As we move forward in the 21st century, we must do our part and invest in environmental solutions that reduce carbon emissions. The best place to start is at home. But it's not all altruistic—making your home more environmentally friendly can also make it more comfortable for your household and save you a significant amount of money by lowering the energy costs on your monthly utility bills. As a bonus, it can even positively affect your home insurance coverage and rates. But how does that work? The main reason why specific updates can affect your home insurance is that they lower the risk that you'll have to file an insurance claim. Reduced Risk of Property Damage Claims Not all environmental...

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- Published: 2023-11-09
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/prevent-frozen-pipes-in-home/
- Categories: Home Insurance, Insurance Tips

Preventing Frozen Pipes: A Comprehensive Guide for Ontario Homeowners On a regular, warm day, water will flow through your pipes easily the second you turn on the tap. It's a process you may not give a second thought. Come winter, that same water has the potential to turn into a hazard for your pipes and your home, causing the risk of pipe bursts and hundreds of gallons of water loss–not to mention the water damage that comes with it. Preventing frozen pipes on your property is paramount to reducing this possibility and keeping your home safe. Even if your current home insurance plan covers frozen pipe damage, the event can be more than inconvenient, causing basement flooding and irreversible water damage to your floors, walls, insulation, and belongings. It's also the last thing you want to deal with in the dead of winter. This guide is here to help you prevent frozen pipes from happening in the first place so you can survive the winter without worry. Why Do Frozen Pipes Burst? First, let's cover the basics. What causes frozen pipes and leads them to burst? Understanding why it can be so dangerous for your home is the first step in the process of preventing frozen pipes. As water freezes, it expands. When frozen, the water flow that usually fills your pipes becomes too large of a mass for the diameter of your pipes, causing them to crack or burst. With a sudden drop in temperature, cold water freezes quickly,...

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- Published: 2023-11-02
- Modified: 2023-11-02
- URL: https://staging.morisoninsurance.ca/news/home-renovation-checklist/
- Categories: Home Insurance, Insurance Tips

The Importance Of Understanding Home Renovations A home renovation project is always very exciting. Whether you're upgrading your home to make it look nice, trying to increase the value of a home so that you can sell it for more, making your home more accessible and manageable for the elderly, or are just looking for a change of scenery without having to move, a renovation project will always be a welcome upgrade. However, renovating isn't the kind of thing that happens overnight. Upgrading your home takes plenty of time, money, and hard work. These things can frustrate you if you're not prepared for them. The renovation process doesn't have to be a negative experience; you can prepare yourself for these roadblocks. Having a detailed plan in place can make renovating your home easier. Your Home Renovation Checklist You'll be relieved that you don't need a play-by-play plan for every part of your home renovation. Not only would such ambition be overkill, it would be impossible to stick to. Having a checklist of things to keep in mind, a plan to overcome each, and a general timeline is enough. Keep this home renovation checklist handy, and you'll drastically increase the chances of a successful renovation project that finishes with minimal frustration. Understand Your Priorities Knowing your renovation goals before you start renovating is vital. Do you want renovation work that will just upgrade your kitchen cabinets that look so old that your parents thought they were ancient, or do you plan...

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- Published: 2023-10-31
- Modified: 2024-08-30
- URL: https://staging.morisoninsurance.ca/news/winter-storm-emergency-kit-for-your-home/
- Categories: Home Insurance, Insurance Tips

The Importance of Having A Winter Storm Emergency Kit in Your Home There are a lot of things people love about winter. The snow provides plenty of seasonal activities, including tobogganing, sledding, and outdoor hockey for you to enjoy. However, these perks don't come without their downsides. The same snow that lets you engage in these activities can also provide plenty of problems. While you can reduce the dangers you face by staying home more, there's no way to eliminate all winter weather risks. There are severe weather conditions in the winter season that can cause some real problems. These include freezing rain, and the possibility that any winter storm warning could pile up several feet of snow. You might be snowed in and/or face the effects of a power outage. Either of these scenarios or worse, both at once could possibly mean you'll have to live purely with what you have in your home for a few days. Having a winter storm emergency kit could save you. What Do I Need In My Winter Storm Emergency Kit? These days, things are so convenient that we've started to take many things in life for granted. Things such as light, running water, and the ability to leave your home and get what you want from any local store are things everyone assumes will always be available. However, heavy snowfall can make plenty of these normally very accessible things like electricity and roads almost inaccessible briefly. While local power companies and municipalities...

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- Published: 2023-10-24
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/pros-cons-usage-based-insurance/
- Categories: Insurance Tips

What are the Pros and Cons of Usage-Based Insurance? If you're considering usage-based insurance, it's probably because you're interested in a possible discount on your car insurance rate. Most people consider that the biggest pro of UBI, which makes perfect sense. After all, insurance is about transferring risk from yourself to an insurance provider. If you're moving less risk than the average driver by not engaging in risky driving behaviours, it stands to reason that you should be about to pay less for your auto insurance premiums. Usage-based insurance programs are simply a way for insurance carriers to determine precisely how safe and low-risk your driving habits are. That being said, there are some other pros and cons of UBI that are worth keeping in mind. 4 Pros of Usage-Based Insurance 1. Better Rates for New or Young Drivers: New drivers typically have to pay higher amounts for their car insurance premiums simply because they're inexperienced and statistically more likely to get into an accident. UBI allows new drivers to prove that they have safe, defensive driving behaviours to reduce that penalty for their lack of experience. The safer they drive, the greater their discount may be with usage-based insurance. 2. Encourages Safe Driving Practices: Knowing that their driving practices are being monitored naturally encourages drivers to be mindful about their habits and makes them more likely to use caution when operating a vehicle, lowering the odds of a collision 3. Access to Driving Data: The data that is collected...

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- Published: 2023-10-16
- Modified: 2024-10-17
- URL: https://staging.morisoninsurance.ca/news/prepare-business-for-winter/
- Categories: Business Insurance, Insurance Tips

Essential Business Winterization Tips for Business Owners When you own a business, there is what seems like an endless list of tasks and considerations to keep in mind—and when you own a business in Canada, business winterization is one of the more essential things you need to remember and implement every year when cold temperatures arrive. Here are some need-to-know tips about preparing your business for winter from the qualified brokers at Morison Insurance. Is Business Winterization Really Necessary? Not everyone sees the point of business winterization—after all, buildings in Canada need to withstand extreme temperatures, severe winter storms and much more on their own, so what's left to do? Well, as it turns out, quite a bit. But there are some excellent reasons why winterizing your commercial property should be at the top of every business owner's checklist when the chilly winter winds begin to blow. Making sure your winterize your property before the snow begins can be the difference between a happy holidays and speaking to an expert Morison Insurance broker about a loss. Prevent the Need for Insurance Claims First and foremost, proper winterization techniques can go a very long way to protect your business against insurance claims. It's no secret that Ontario winters can be treacherous, and they present numerous opportunities for bodily injury and property damage. If someone injures themselves on your property—because, for example, you didn't have a solid plan in place for snow and ice removal—they could bring a lawsuit against you, and...

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- Published: 2023-10-10
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/information-collected-for-usage-based-insurance/
- Categories: Auto Insurance, Insurance Tips

Why Does Usage-Based Insurance Need Information? It’s a completely fair and valid concern to be skeptical of companies taking your information. This is especially true when you don’t know why people are taking your information or what it is that they’re using it for. However, learning this information can put people a lot more at ease, as it helps settle their concerns. Usage-Based insurance (also known as UBI) relies on a smartphone app. All you do is turn on your phone and app, and then drive around like normal. Your app will collect information based on how you drive and how it affects the safety of yourself and others which will determine the cost of your auto insurance premium. Although this may cause concern about the app determining things like your home address, you must remember that insurance companies already have this information if you are their client. There are also strict laws in place stopping insurance companies from selling information to third parties. The knowledge that the information given over is safe should create peace of mind in knowing that nothing valuable is being compromised. If you have any further questions, your Morison Insurance broker would be happy to answer them. Information Requirements for UBI Policies Suppose you're a cautious, defensive driver, and you don't even drive all that often. Why do you have to pay the same car insurance premiums as someone with more reckless driving habits or who spends practically all day and night driving around in...

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- Published: 2023-10-06
- Modified: 2023-10-06
- URL: https://staging.morisoninsurance.ca/news/winter-energy-saving-tips/
- Categories: Insurance Tips

Keeping Your Place Warm In The Winter There is absolutely snow way to deny it... winter months are cold. While putting on a sweater and wrapping yourself in a blanket as you cuddle up by the fireplace sipping hot chocolate is undoubtedly a beautiful and comfy thought with the season, you can't do that all day. The other 99% of the time, your home will need to be heated to ensure your and your family's comfort. While it is possible to crank the furnace and blast your entire house with enough heat to forget what season it is, you will have a higher energy bill and leave your bank account out in the cold. Luckily, there are energy-efficient ways to stop Jack Frost from entering your home and strutting around like he owns the place without having your heating costs cause you to sweat like it's summer. These winter energy saving tips will help you remain warm without drastically increasing your heating bill. 11 Tips To Save Energy In The Winter If you want to keep your energy consumption and heating costs down while maintaining a comfortable temperature, you will want to maximize energy efficiency. While this doesn't mean turning your furnace off entirely, you should use small but powerful heat sources like heaters to support it. In addition, there are plenty of ways to keep the cold out without turning anything on. While there are many impactful ways to winterize your home, these small but effective winter energy saving...

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- Published: 2023-10-03
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/kitchen-safety-tips/
- Categories: Insurance Tips

The Importance Of Kitchen Safety Whether you’re just preparing dinner for the night, or preparing dinner for your friends and extended family for the holidays, it's important to keep kitchen safety in mind. This is easy to overlook, especially if you have the excitement of preparing for a holiday in your mind. Depending on the holidays you celebrate and the family you have, this could mean experiencing joyous activities where you are reminded of how passionate your family is. These activities might include things like cultural rituals, wholesome movies, and large meals. Especially with all of your family in one place, kitchen safety is important. This is not only for all the reasons you normally want to keep yourself and your home safe but also for the added benefit of protecting your extended family members. For this reason, it's important to keep these kitchen safety tips in mind. Appetizing Tips About Proper Food Preparation Food preparation is always a challenge for the host. While your relatives will almost certainly be much more forgiving of slightly overcooked meat than Gordon Ramsey, there are still some kitchen safety tips you need to be careful of when cooking up a meal. You need to remember plenty of things when handling food to ensure that everyone forms a positive memory of the holiday season. 1. Wash Your Hands This aspect of food safety seems like the thing that's so basic a kid could remember it. However, this kitchen safety tip is essential to keep...

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- Published: 2023-09-28
- Modified: 2024-08-08
- URL: https://staging.morisoninsurance.ca/news/cybersecurity-tips-for-businesses/
- Categories: Business Insurance, Insurance Tips

Safeguarding Your Business With Cybersecurity Tips You've got to juggle many different tasks and considerations as a business owner, including managing the need for robust cybersecurity measures to protect your business from cyber-attacks. Suppose you run an online payment processing company or something of that nature. In that case, you're already well aware of the need for airtight cybersecurity. But business owners who don't conduct much business online sometimes think they're in the clear and unlikely to be targeted by cybercriminals. Unfortunately, that's not the case, as now almost every company has some online presence, making them vulnerable to attack. Due to this, it's crucial to understand and utilize cybersecurity tips. Nowadays, almost every business uses the internet in some way to transfer or store information. Even if you just have a small website that tells the public about your company, it could be vulnerable to hackers. The more you have online, the more you risk. Regardless of the size or description of your business, you have some level of vulnerability to cyber-attacks and must protect yourself with the best possible cybersecurity measures. These cybersecurity tips for business owners are designed to give you a sense of how to keep your business and your data safe from prying eyes. Cybersecurity Best Practices For Business Owners As the old saying goes, an ounce of prevention is worth a pound of cure. That's never more true than when it's applied to cybersecurity tips for business owners. Because of the nature of digital...

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- Published: 2023-09-26
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/why-businesses-need-legal-services-insurance/
- Categories: Business Insurance, Insurance Tips

Why Legal Services Insurance is a Necessity for Ontario Businesses Have you ever found yourself in a situation where you weren't entirely sure about the legal implications a specific situation holds for your business? Whether it was a dispute over a contract, a regulatory compliance issue or something else entirely. If you're a business owner in Ontario, looking into legal services insurance and what it can offer you is worth your time. You may not have heard about legal services insurance before, and that's understandable—it has only been available in Canada for less than a decade. It has recently started to become a more popular option for commercial insurance packages. Legal services insurance offers some significant benefits that are unavailable with standard business insurance coverage. Once they realize exactly what it can do for them, most business owners are eager to add it to their existing insurance package. Legal services coverage is right for businesses of all sizes, industries and descriptions. Find out more today by contacting a knowledgeable insurance broker at Morison Insurance. What Types of Services Does Legal Services Insurance Cover in Ontario? Suppose you, as a business owner, have legal action brought against you. In that case, legal services insurance (also known as legal expense insurance) can provide legal advice on such matters as: Employment disputes Contractual disputes Tax audits Bodily injury Protection of statutory licenses Protection of property Legal services insurance also allows you to access certain legal services without needing to file an insurance claim....

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- Published: 2023-09-21
- Modified: 2024-10-08
- URL: https://staging.morisoninsurance.ca/news/importance-of-inventory-tracking-for-insurance/
- Categories: Business Insurance, Insurance Tips

Understanding the Significance of Inventory Tracking for Insurance Whether you own a large retail business with tens of thousands of items in stock or a small consulting business that operates from home with little more than a laptop and cellphone, your business has inventory. That means you need to know how to handle inventory tracking for insurance purposes to ensure you have the right business insurance coverage and access it quickly when it's time to file a claim. The process of keeping track of inventory can feel daunting at first. Still, it's one of those projects you'll be glad you got taken care of when you need to use the information you compiled following a catastrophic or destructive event. If you need to know more about the property and business contents coverage on your business insurance policy, give us a call today to speak to an experienced commercial broker at Morison Insurance. What Qualifies as "Inventory" for Your Business Insurance Before we dive into the whys and hows of inventory tracking for insurance purposes, you may wonder what "inventory" means in this context. Inventory is not your commercial building or the elements of the building, like the HVAC system. Instead, it's all the belongings within your commercial space, whether that means, retail stock, fabricated or manufactured products, or even food ingredients in a hospitality business. Stock: This category includes the goods you deal in throughout your business operations, such as products for retail or wholesale or items you are manufacturing,...

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- Published: 2023-09-19
- Modified: 2024-01-25
- URL: https://staging.morisoninsurance.ca/news/factors-that-determine-business-insurance-premiums/
- Categories: Business Insurance, Insurance Tips

Factors Affecting Business Insurance Premiums Whether you're getting everything you need to be prepared to open a brand-new business or you've been operating for some time now and are thinking about switching up some parts of your business insurance coverage, you may be wondering what, precisely, determines how much your business insurance premiums are going to cost. This is one of the most common questions our Morison Insurance brokers are asked, and the answer is more complex than many expect it to be. There is a large number of factors that are considered by insurance companies when they assess a business' eligibility for coverage and evaluate how much the premiums will be. The answer is more complex than some business owners suspect because each business is unique—and that means each business needs a bespoke business insurance package tailored to address the individual risk exposures and perils that are most likely to be encountered. In this article, we'll discuss some of the most significant factors that impact business insurance premiums so you can get a better idea of the information being assessed and why. What is Risk Exposure? Risk exposure is a term you'll often hear when talking about business insurance premiums because most of the information insurance companies need when assessing business insurance costs is related to determining the levels of risk your business is subjected to. It is a measure of your potential to experience losses in the future that could result from certain activities or occurrences. Suppose you...

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- Published: 2023-09-14
- Modified: 2025-06-23
- URL: https://staging.morisoninsurance.ca/news/rental-property-maintenance/
- Categories: Insurance Tips

Essential Insights on Rental Property Maintenance for Landlords in Ontario It's not uncommon for people to assume that being a landlord is as easy as can be, but anyone who has ever tried it knows it can be a challenge. There's a lot to stay on top of, and rental property maintenance can be a struggle when you're not the one living at the property. At the same time, neglecting rental property maintenance is not an option, as it could lead to unhappy tenants, safety and health violations, and increased landlord insurance premiums. As much of a hassle, as Ontario rental property maintenance can sometimes be, it's preferable to the consequences of not getting it done. You already have a pretty good idea of what it takes to maintain a residential property, from exterior upkeep and repairs to plumbing maintenance, electrical repairs and many more tasks. But what impact does rental property maintenance have on your landlord insurance coverage? What are the best practices for keeping up with everything that needs to be done at your rental property? What insurance coverage, if any, does your tenant need? The experienced brokers at Morison Insurance have the answers to those questions and more below. Give us a call to find out more! Can Rental Property Maintenance Affect Insurance Premiums in Ontario? In an indirect way, yes. If rental property maintenance is not done, or not done adequately, minor issues and seemingly insignificant problems will gradually worsen as time goes on until there's...

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- Published: 2023-09-12
- Modified: 2023-09-12
- URL: https://staging.morisoninsurance.ca/news/snowmobile-maintenance/
- Categories: Insurance Tips

The Importance Of Snowmobile Maintenance There are plenty of fun things that you can do during the winter. You can play outdoor hockey, defeat your kids in a snowball fight, and go for a spin on your snowmobile. However, equipment like snowmobiles don’t maintain themselves. If something is wrong with the engine, skis, or steering, you might not be able to use your vehicle. Worse, it might seem usable on the surface, but something wrong could cause safety concerns for you or those around you. Luckily, we have provided snowmobile maintenance tips to help you keep your machine running. Keep The Owner's Manual In Mind While the owner's manual might seem very basic, especially if this isn't your first snowmobile, it can contain vital information on snowmobile maintenance, especially if you have a specialized model. It's best not to assume you know everything. While there's no need to memorize the entire booklet word for word as you've probably done with your favourite song, it's best to know the general ins and outs of your vehicle and which section to consult if you have any questions about snowmobile maintenance down the road. Pre-Season Snowmobile Maintenance It might be tempting to jump out with your snowmobile and start riding when you get a few centimetres of snow. After all, you've been waiting for this since last year, and the feeling of exploring your favourite nearby terrain can be an absolute rush. However, heading out before you've done any snowmobile maintenance is a...

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- Published: 2023-09-07
- Modified: 2024-06-21
- URL: https://staging.morisoninsurance.ca/news/handyman-businesses-risks/
- Categories: Insurance Tips

Understanding The Risks Faced by Handyman Businesses Building a career as a professional handyman makes perfect sense if you love working with your hands and have a talent for handling a wide range of improvement, repair, maintenance and installation tasks. But as rewarding as it can be to work as a handyman or even start your own handyman business, it also exposes you to several risks that could cause severe damage to your bottom line and jeopardize your business's success. The best way to deal with the risks faced by handyman businesses is to transfer the risk via the right handyman insurance coverage. That's why a robust business insurance policy is critical to any reliable, effective handyman risk management plan. It's critically important to thoroughly understand the potential risks that are part of life as a handyman and how they can be mitigated with the right insurance. If you have questions or need more information on handyman insurance, rely on the experienced brokers at Morison Insurance to answer all your questions and track down the right combination of coverages for your unique insurance needs. 3 Types of Risks Handyman Businesses Should Know About There is a wide range of risks handyman businesses can be subjected to, but they tend to fall into three broad categories. We break down the three overarching types of risks handyman businesses need to be aware of and list several risks within those categories, along with the types of insurance coverage designed to address them. It's...

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- Published: 2023-09-01
- Modified: 2025-05-09
- URL: https://staging.morisoninsurance.ca/news/fall-home-maintenance-checklist/
- Categories: Home Insurance, Insurance Tips

The Beauty Of Fall Whether you call it fall or autumn, this season has many beautiful things happening. The leaves change into various colours, birds fly in lovely formations as they start their migration patterns, and squirrels and other small critters collect food for hibernation. The temperature is cool, and you aren't exposed to harsh weather. However, you can't spend the whole season relaxing and watching nature take its course; there's work to be done. Fall doesn’t seem like a season where there are extremes. It’s not overly hot, or cold. However, there is still risk to your home, and to help keep your home insurance rates down, it is important that you follow a fall home maintenance checklist. The Importance of A Fall Home Maintenance Checklist For all its beauty, fall can be a chaotic season. You've been back from your summer vacation just long enough to get back into routines and help your kids get ready for school. There's so much to do and so little time to do it. However, if you sort out all your tasks, you'll see that it's not that bad. Keeping a fall home maintenance checklist ensures that not only will you stop yourself from being overwhelmed, but it will also allow you to keep track of what you've done and create a system that ensures you complete everything in time for when it's cold out. Maintaining Inside Your Home It's an understandable mistake to think that all your fall home maintenance checklist...

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- Published: 2023-08-23
- Modified: 2024-08-30
- URL: https://staging.morisoninsurance.ca/news/cyber-insurance-myths/
- Categories: Business Insurance, Insurance Tips

Don't Believe These Common Cyber Insurance Myths Most business owners understand very clearly why commercial business insurance is so important. You wouldn't leave your home uninsured, and your business is potentially more valuable and thus exposed to a much more comprehensive range of risks in your professional life than in your personal life. But many business owners understand how critical it is to have the right cyber insurance coverage in place as part of their business insurance program. There are a lot of common myths and misconceptions out there about cyber insurance policies. As a business owner, it's in your best interests to know what's a myth and what's a reality so you can make an informed decision about your commercial insurance coverage and ensure you have the financial protection necessary to avoid the significant setbacks resulting from a cyber attack. We've debunked some of the most common cyber insurance myths below to help you do that. MYTH #1: Cyber Attacks Are Uncommon REALITY: Ironically, this is one of the most common beliefs about cyber incidents, and it's not true. But even people who believe cyber attacks are a real threat to their business are often surprised by how common they are. According to the 2020 Cyberthreat Defense Report by CyberEdge Group, 78% of Canadian businesses were affected by cyber incidents in 2020—and that figure rose to 85. 7% in 2021. In their 2023 Cyberthreat Defense Report, CyberEdge Group reported that 37. 5% of Canadian organizations were targeted by six...

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- Published: 2023-08-16
- Modified: 2023-08-16
- URL: https://staging.morisoninsurance.ca/news/identify-a-scam/
- Categories: Insurance Tips

Are Scams A Real Threat? Scamming is an absolutely massive threat to everyone. Most people get a large array of scam calls and emails almost every day. Even if the vast majority of these are stopped, it only takes one scammer who gets you at the wrong time and you could be out hundreds, if not thousands of dollars. If you want to protect yourself, you’ll want to learn how to identify a scam. Who Can Get Scammed? Anyone can get scammed. You might think you're too smart to get scammed, and you're mistaken if you do. Many scam victims are brilliant people who generally know how to spot a scammer but simply made a mistake. Some victims just had a moment of poor judgment. It should also be remembered that scams can be very innocuous. Sometimes the victim merely panicked or rushed and forgot to double-check something. Keep yourself from being added to the list of statistics or the list of people who avoided reporting. If you want to identify a scam, you must always be vigilant. Common Types of Scams It's not always easy to identify a scam. Although the days of some shady-looking stranger in a trench coat with shifty eyes claiming to be the wallet inspector are almost entirely behind us, scamming is still alive and well. In fact, most of them use modern technology and are innocuous, usually over email or phone calls. Once contact is made, they have multiple ways of trying to scam...

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- Published: 2023-08-08
- Modified: 2023-08-08
- URL: https://staging.morisoninsurance.ca/news/atv-safety-tips/
- Categories: Auto Insurance, Insurance Tips, Recreational Insurance

The Importance of ATV Safety Although ATV does not stand for A Terrific Vehicle (it stands for All Terrain Vehicle), you can make a point that they are terrific. They can be used both for practical uses, such as moving around extremely heavy equipment and can also be used purely for sport. While this makes them versatile machines, they must be handled carefully like any other vehicle. There are plenty of reasons to be even more careful with an ATV than with a car, especially since ATVs don't have seatbelts or any protection from falling over and inverting. While that idea might sound scary to new drivers, there's no need to worry. With the right ATV safety tips, you can minimize the risk of an accident and enjoy your time using your favourite vehicle. Who Is Responsible For ATV Safety? Similar to that of a car or truck, safety surrounding using an ATV is primarily the operator's responsibility. While those in the surrounding area are responsible for not jumping in front of a multi-ton vehicle travelling at high speeds, the driver must be on the lookout for pedestrians and any hazards that could hurt anyone or damage the vehicle. These hazards could be large, stationary objects, other vehicles, and even the ground. Even though handling uneven off-road terrain is what an ATV is designed for (after all, it is in the name), doing so recklessly can still end up badly. Although ATV insurance will likely cover you financially, it can't...

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- Published: 2023-08-03
- Modified: 2025-04-03
- URL: https://staging.morisoninsurance.ca/news/workplace-safety-tips/
- Categories: Business Insurance, Insurance Tips

Why is Workplace Safety Important? Many people take workplace safety for granted. It causes them to think of cheesy videos where actors pretend to get way too excited about safety-related chants and rhymes that even a 10-year-old would find silly. These videos often get dismissed as fodder for sarcastic jokes. However, despite the cheesiness of the videos, those who have seen the darker side of the subject matter know that workplace safety is nothing to laugh at. In many instances, it's a life-and-death issue. In 2021, there were a total of 277,217 work-related safety claims. Tragically, 1081 Canadians, including 18 aged 15-25, lost their lives in workplace-related accidents. This isn't an anomaly either, as the annual average since 2009 is 945 total deaths nationwide. So as corny as those videos are, they're right; creating a safe workplace and ensuring a positive safety culture is essential. People need to know workplace safety tips to ensure they can head home in one piece and live the life they deserve after putting in so much hard work. Who Needs To Worry About Workplace Safety? Some people think that workplace safety doesn't apply to them just because they're not in a place with constant dangers, like a construction site or a lab with hazardous materials. Others think workplace safety is only the job of frontline workers or management. This is not the case. It is part of everyone's job to worry about workplace safety. The heavily prestigious multi-million dollar owner of a Fortune 500...

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- Published: 2023-07-27
- Modified: 2024-05-02
- URL: https://staging.morisoninsurance.ca/news/rv-maintenance/
- Categories: Auto Insurance, Insurance Tips, Recreational Insurance

How To Keep Your RV Running Smoothly For Years If you have an RV, also known as a recreational vehicle, it is almost certainly one of your most prized and valuable possessions. You likely frequently take it out for long road trips, as it lets you go far away and enjoy the camping season without leaving the comfort of home. However, regular RV maintenance is a lot of work: you have to do everything associated with maintaining a car, as well as all the work involved in the routine maintenance of a home. Not doing the right work on a regular basis will almost certainly lead to the need for a costly repair or, even worse, an entirely new RV. However, with these RV maintenance tips, you'll be able to keep your RV in great condition; you can lower the chances of a highly damaging incident, reduce unexpected breakdowns and acquire less damage over time, allowing for a longer-lasting RV. The following seasonal RV maintenance guide will let you know what tasks must be done and when to do them. This will allow your RV to stay in good condition, keeping you and your family safe. That, combined with RV insurance, will let you focus on RV camping and other fun activities. Early-Season RV Maintenance When it becomes warm enough to go camping, it's tempting to start using your RV immediately and address problems as they arise on your trip. However, preventative maintenance on your RV parts is almost always...

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- Published: 2023-07-25
- Modified: 2023-07-25
- URL: https://staging.morisoninsurance.ca/news/payment-scams-affecting-businesses/
- Categories: Business Insurance, Insurance Tips

Payment Scams Can Affect Businesses of All Sizes With technology improvements over the past decade, the ease of making transactional payments has become the norm. Gone are the days of feeling scared about using your credit card information online and banking on your phone. However, while the ease of payments may be an excellent convenience for small and large businesses, it does come with risks. Payment scams have sadly become a common practice in today's digital world, but that doesn't mean you should live in fear. Our expert business insurance brokers have compiled a list of the common types of payment scams that may affect your business and possible ways to avoid them happening to you. What is a Payment Scam? A payment scam, or fraud, can come in many forms. However, the basic understanding is when transacted or re-directed illegally. This could involve someone internally or externally using electronic means to create a financial transaction using illegally obtained information. This is an issue for a business as any items purchased through a payment scam are now considered stolen but not necessarily insured or covered by your insurance. While an initial payment may have been processed, the payment will likely be refunded to the account holder as this was an illegal purchase. This could cost your company in several ways as any profit from the sale of that purchase is gone, leaving your company out of money and product. 5 Common Payment Scams That Could Impact Your Business and How...

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- Published: 2023-07-20
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/protecting-waterfront-property/
- Categories: Home Insurance, Insurance Tips

Protecting Waterfront Property from Water Damage Extreme weather events are rising in Canada, so the rate of water damage insurance claims is also rapidly increasing. Water damage is one of the biggest threats to the livability and structural stability of any building—and it's easy to understand why waterfront homes are at an increased risk of suffering water damage due to overland flooding and sewer backups. Waterfront property owners generally consider the risk of water damage well worth it in exchange for the stunning views, easy access to swimming, boating and other water recreation activities, and fresh breezes that sweep in off the water. You can enjoy your waterfront property without stress or worry as long as you take the time to ensure you are protecting your home from the possibility of water damage and protecting yourself from the cost of water damage restoration if a destructive flooding event occurs. Make Sure You Have the Right Water Damage Insurance Coverage As careful as you may be about taking all necessary steps to prevent water damage, sometimes it happens in a way you never saw coming, or there's a situation that simply couldn't have been prevented. Your house—along with your belongings inside—suffers severe water damage. Once the damage has been done to your waterfront property, you can only get started on the time-consuming, onerous process of water damage restoration, not to mention repairing or replacing any destroyed belongings. Aside from the hassle of dealing with water damage, it's important to note that...

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- Published: 2023-07-18
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/risk-management-tips-for-plumbers/
- Categories: Business Insurance

Managing Risks As A Plumber While plumbing isn't exactly at the top of the list of the riskiest careers, it does come with some risks for those who rush into things and work without thinking. There's an excellent reason plumbers have to spend time learning as an apprentice. Depending on your job, you may deal with power tools, raw sewage, carbon monoxide, sulphur dioxide, combustible materials, and other health risks. In addition to these more unusual risks, mundane stuff can pose a threat. Even hot water could be dangerous. However, once you understand these health hazards and take the proper precautions, you can lower the potential risk of accidents to almost zero. 1. Ensure You Have The Right Equipment This might seem basic, but it's one of the most essential risk management tips for plumbers. Plumbers have plenty of equipment, and it's easy for someone in a rush to forget what they need. Using the wrong wrench in the wrong situation can damage a pipe, cause a leak, or do one of many other catastrophic things. This worsens the problem; depending on what you're working with, you could expose yourself and others to toxic chemicals. While some of the equipment you'll need to carry with you is specialized for plumbing, such as a pipe wrench, many other recommendations, such as a flashlight and plyers, are everyday objects used by people in various professions. Suppose you're unsure whether to bring a tool; the adage "it's better to have it and not...

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- Published: 2023-07-11
- Modified: 2023-07-11
- URL: https://staging.morisoninsurance.ca/news/insuring-contents-when-using-a-moving-company/
- Categories: Home Insurance, Insurance Tips

The Importance of Insurance While Moving Moving can be one of the most stressful times in your life. You typically have a large list of items to keep track of in order to ensure that your new property is ready when you finally move in. Not only do you have to worry about the paperwork, you also have to make sure your personal items are ready for the move. To help make things easier, many people ensure that they aren't moving alone, and have friends or family assist them, while others hire professional movers. A moving service can take out a lot of the grunt work when moving. Professional movers can make things much more manageable if you have large items to move. Even though the risk of something terrible happening is much lower than if you choose to move your possessions yourself, there is still a chance your belongings will be damaged. With that said, how do you properly insure your household goods to ensure you're covered if something happens when moving? Does Home Insurance Cover Personal Belongings When They Are Being Moved By A Moving Company? It depends. Your home insurance policy does provide coverage for items and belongings against loss when you are moving from one address to another as part of its default coverage. This is true whether you have homeowners insurance or tenants insurance when you move from one address to another. However, a couple of conditions must be met for your items to maintain...

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- Published: 2023-07-06
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/road-trip-safety-tips/
- Categories: Auto Insurance, Insurance Tips

The Importance of Road Trip Safety A family road trip can be a great way to spend a few days away. It's less expensive than getting onto a plane, and you can go to a wide range of places. There are plenty of Ontario road trip destinations where you can see the beauty of nature and plenty of cities if you want to remain in a more urban environment. Better yet, many of these places are near each other, potentially allowing you to visit many places on a multi-day adventure. However, it's not all fun and games. You could easily be in a dangerous situation if you don't plan ahead. You can be ahead of the game with these road trip safety tips. 1. Get Your Car Ready For A Long Trip While this may seem obvious, it's also critical that you get this right. A long road trip can do a number on an unprepared car. If your vehicle needs to have its oil or tires changed soon or is due for an inspection, getting this done early is one of the best precautions you can take. Also, ensure things like wiper blades, seat belts, air conditioning, and other little things are in working condition. Also, to be safe, ensure you have the proper car insurance. 2. Plan And Know The Route Improvising might be fun on a theatre stage, but it's not something that you want to make a habit out of when driving. It might be called...

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- Published: 2023-06-27
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/vehicle-use-affects-insurance-rating/
- Categories: Auto Insurance, Insurance Tips

Why Having Your Vehicle Rated For The Correct Use Is A Necessity If you have a personal vehicle, you need personal auto insurance. If you have a commercial vehicle, you need commercial vehicle insurance. Simple. But personal versus commercial vehicle rating for insurance purposes can be more complicated than that. It's often not so black and white—you may drop your kids off at school in your pickup truck and then head to a job site where you'll need to use your truck throughout the workday. How do you know if you have the proper vehicle rating and the right insurance coverage if your vehicle happens to have multiple purposes? You need to ensure your vehicle rating accurately reflects how you use your vehicle regularly so you know which type of insurance is necessary to be covered adequately in the event of an accident that causes damage or injury. The information below from Morison Insurance covers some common questions and misconceptions about vehicle ratings regarding the correct type of auto insurance for a particular vehicle's usage. What is Vehicle Rating for Auto Insurance? The term "vehicle rating" can be taken in multiple ways, even within the context of insurance. It sometimes refers to vehicle rate groups that are based on the year, make and model of the vehicle, but in this case, it relates to the distinction between personal and commercial vehicles, which naturally affects the type of insurance coverage they need to be covered against insurance losses related to an...

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- Published: 2023-06-22
- Modified: 2025-05-09
- URL: https://staging.morisoninsurance.ca/news/facts-about-swimming-pool-insurance/
- Categories: Home Insurance, Insurance Tips, Recreational Insurance

What is Swimming Pool Liability Insurance? Swimming pool liability insurance is a specific type of personal liability insurance that protects you against paying out of pocket for the costs associated with a litigation should you be sued because your pool caused third-party bodily injury. For example, if your children had a group of friends over to play in the pool and one of the visiting kids suffered a severe concussion when they slipped on the pool deck and hit their head, that child's parents could choose to sue you to recover the costs of medical treatment and other related expenses. With swimming pool liability insurance in place, your insurance carrier will provide you with the necessary funds to deal with costs such as legal mediation and advice, attorney fees for legal defense in court and settlement costs should you be found liable for the plaintiff's medical expenses. Top 8 Facts Ontario Pool Owners Need to Know About Swimming Pool Liability Insurance When the sun is high in the sky and the humidity is working overtime to heat the whole province, there's nothing better than heading out to your backyard for a cool, refreshing dip in the pool. From fitness and hydrotherapy to good old-fashioned fun with your friends and family, it's no wonder many Ontario homeowners are plunging into pool ownership. But while having your own pool might be part of the Canadian dream, it comes with its own risk exposures that need to be addressed with the right swimming...

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- Published: 2023-06-20
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/classic-car-storage-and-maintenance/
- Categories: Auto Insurance, Insurance Tips

Classic Car Storage and Maintenance Tips for Ontario Car Enthusiasts If you own a classic car, you already know it's not "just" another car—it's a complete hobby. Many happy hours can be spent in the garage tinkering under the hood or cruising around town on a sunny day with open windows, enjoying the excitement on people's faces when they see your prized possession. There are places in the world where classic cars can be driven year-round. Still, most Canadians choose to store their classic car during the winter—the conditions aren't conducive to keeping an older car in excellent condition But you also don't want to park your classic car in any old place and leave it there for months—or years—on end to be ravaged by moisture, vermin and grime. That's why the brokers at Morison Insurance, specializing in classic car insurance, have compiled this list of classic car storage and maintenance tips to help car lovers protect their vintage vehicles and keep them in perfect shape for the next sunny day. Maintaining a Classic Car The truth about classic car maintenance is that it's not all that different from maintaining a modern vehicle. Maintaining a classic car might actually be a lot easier because they are typically analog and don't feature digital systems that can make modern vehicle maintenance more challenging. Classic car maintenance is also more accessible, or at least more fun, because most classic car lovers consider it part of the appeal of owning a vintage car or...

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- Published: 2023-06-15
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/commercial-property-risk-management/
- Categories: Business Insurance, Insurance Tips

Commercial Property Risk Management 101 Commercial property owners and property managers have a lot on their shoulders, and not least of all is the central task of commercial property risk management. All properties are exposed to risk, but protecting commercial real estate investments can feel particularly challenging because they face so many additional risk factors compared to private residential buildings. Commercial property risk management strategies must address everything from environmental risks caused by natural hazards such as extreme weather patterns to criminal risks such as vandalism and theft. The brokers at Morison Insurance created this guide to explain some of the need-to-know information about commercial property risk management, including common risk exposures for commercial properties and the types of commercial insurance necessary to transfer risk. Commercial Property Risk Management Methods When it comes to commercial real estate risk management, there are three broad ways of limiting risk exposure and preventing the entire financial burden of perils that do occur from resting on your shoulders: avoiding risk, controlling risk and transferring risk. Property owners sometimes wonder which of these three commercial property risk management strategies they should focus on, and the answer is unequivocally all three. They are necessary to protect your property and bottom line from devastation or outright destruction. Avoid Risk Avoiding risk is basically what it sounds like. It involves avoiding certain situations or practices that are likely to cause harm. For example, suppose you have a basement that is prone to flooding. In that case, you're likely...

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- Published: 2023-06-08
- Modified: 2025-03-10
- URL: https://staging.morisoninsurance.ca/news/protect-your-car-from-theft/
- Categories: Auto Insurance, Insurance Tips

Follow These Car Theft Prevention Tips & Driver Habits to Stop Car Theft Auto theft is an ever-increasing crime in Ontario. More than 52,000 motor vehicles are stolen annually in Ontario, with auto theft claims in the province having increased by 524% between 2018 and 2023, surpassing $1 billion for the first time in 2023. We can all agree that these are very high numbers, but the worst thing about them is that they seem to be getting higher every year. While you might think such a terrible thing could never happen to you, most vehicle owners who get their cars stolen also think that. No matter how much they think they’ve prepared themselves, regardless of where you live, nobody is immune to having their vehicle stolen. However, you can take many steps to protect your car from theft that will help drastically lower the odds, such as being vigilant about where you park your car and investing in one or more anti-theft devices for cars. The expert brokers at Morison Insurance have put together a list of tips to help prevent car theft. As your car insurance experts, we don’t want you to have to submit an insurance claim because your car isn’t where you left it. By following these prevention tips about personal behaviours, key storage, and car anti-theft technology, you can help prevent auto theft and feel secure that you are doing your part in keeping your vehicle safe. Simple Steps You Can Take To Help Prevent...

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- Published: 2023-06-01
- Modified: 2025-05-09
- URL: https://staging.morisoninsurance.ca/news/ultimate-guide-to-cottage-maintenance/
- Categories: Insurance Tips, Recreational Insurance

Why Is Cottage Maintenance Important? Maintaining your cottage is crucial. Imagine that you're going up to your seasonal cottage for a week with your family. You, your spouse and your kids have been looking forward to it for weeks. You were finally able to book time off work, and your kids are on summer break. After spending your entire morning driving there, within moments of arriving, you realize things aren't as great as you imagined. The roof has loose shingles, weeds are growing all over your usually beautiful lawn, the deck is creaky when you walk on it, and your ATV struggles to start. When you get inside, you see residual water in the middle of your living room, the power isn't quite working, and one of your kids now has hundreds of new roommates in the form of cockroaches who refuse to pay rent. Upon absorbing the scene, you decide to get to work and still do your best to deliver the best week to your family possible. After you've spent hours and hours roofing, cleaning, gardening, doing mechanical work, handy work, and 'evicting' your new tenants, it's the afternoon of the fifth day, and you’ve missed your chance at an enjoyable cottage experience. Not to mention left a hefty hole in your wallet. The trip has now been more trouble than it's worth, and you go back with the knowledge that your time would have been better spent at home. It would have been best if you thought...

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- Published: 2023-05-29
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/news/top-hvac-contractors-risk-exposures/
- Categories: Business Insurance, Insurance Tips

What Are The Risk Exposures For HVAC Contractors Canadians love to talk about the weather, and with good reason—it's often unpredictable and occasionally extreme. But as much as the weather changes, one thing always stays the same: a properly functioning HVAC system is essential to make it through the year comfortably. As an HVAC contractor, you provide a vital service that we can't (and don't want to) go without. Still, your work also leaves you vulnerable to specific risk exposures that can lead to significant financial setbacks without the protection of the right business insurance for HVAC contractors. It's typical for professionals of all types, including HVAC contractors, to underestimate their level of risk exposure in their industry. As long as they have commercial vehicle insurance and some property coverage in case of an unavoidable natural disaster, they assume they're covered—but that's not the case. No matter how cautious you are at work or how carefully you follow every rule and regulation, there's the potential for something to go wrong and cause severe financial losses. The experienced brokers at Morison Insurance can put together a comprehensive HVAC contractors insurance policy that will give you the financial protection you need, along with the peace of mind that comes with knowing you're safe from loss for the perils you are most likely to encounter. But what are those perils, exactly? Here are some of the most common risk exposures for HVAC contractors and the insurance solutions that provide coverage for them. 1....

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- Published: 2023-05-24
- Modified: 2023-05-24
- URL: https://staging.morisoninsurance.ca/news/top-8-boat-safety-tips/
- Categories: Insurance Tips

Preparing For Fun On The Water With Boat Safety Tips Ontario's lakes and rivers are amazing. From the Great Lakes to the Grand River, there is an abundance of beautiful and varied waterways to explore and enjoy. There are more than 400,000 lakes, rivers and waterways in Ontario. With so much to explore, you can always find a new and exciting trip. However, while days spent boating under blue skies and sunshine are among the absolute best for summer fun, boat safety is a vital consideration. Following boat safety practices means being prepared in case of a mishap or unexpected problem. In this article, we'll go through practices required by law and provide boat safety tips and details on additional measures to protect you and your passengers on the water. Tip #1: Make Sure You Are Maintaining Your Boat When many people think of boat safety, they think of external factors such as weather, debris, obstacles, rough water, and other boats. Although each of these are potential dangers that will be addressed in this blog, it is absolutely vital that you also consider an important internal factor: the boat itself. You don’t want to be floating around on a damaged hull, or have your engine die on you when you’re a mile from shore, since that’s a terrible place to be stuck. You can’t get out and walk to a place that can help you, it's a bad idea to get out and push, and good luck getting a tow...

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- Published: 2023-05-23
- Modified: 2025-03-19
- URL: https://staging.morisoninsurance.ca/news/boat-maintenance-tips/
- Categories: Insurance Tips

Ontario Boat Maintenance Tips Ontario is well-known as a haven for anyone who loves boating on the lake. Ontario boasts an astonishing number of lakes, more than 250,000 individual lakes that contain one-fifth of the fresh water in the world. Is it any wonder that many Ontarians dream of owning their own boat? While the right boat may qualify as the ultimate recreational toy for Ontario boat owners, they require diligent monthly, quarterly and yearly maintenance to avoid costly repairs and keep the vessel in safe, operable conditions. Here are a few Ontario proper boat maintenance tips from the brokers at Morison Insurance on what you need to do to keep your boat clean and in excellent condition throughout the boating season, regardless of your boat type. Monthly Boat Maintenance Tips Some tasks need to be done once per month if you've been using your boat regularly, and others need to be completed each month even if (or primarily if) the boat has yet to be used that month. Here are some Ontario boat maintenance tips that boat owners should look into once per month. Clean Boat Exterior Whether you've used it recently or not, cleaning the exterior of your boat once per month can go a long way toward keeping it in great shape. It should be scrubbed with a non-abrasive soft bristle brush, fresh water and a gentle but high-quality boat soap that won't damage your gelcoat. If you use a pressure washer or power washer to clean...

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- Published: 2023-04-28
- Modified: 2023-04-28
- URL: https://staging.morisoninsurance.ca/news/why-personal-trainer-questionnaires-are-recommended/
- Categories: Business Insurance, Insurance Tips

Personal Trainer Questionnaires are Recommended and Here's Why If you've been a personal trainer in Ontario for some time now, you probably know all about personal trainer questionnaires and why they're so crucial for the success of your clients—and the success of your business. But if you're starting out, you may be unsure why having your clients fill out a questionnaire from a liability perspective and for several other reasons is essential. This guide explains why personal training questionnaires matter and lists some types of questions that should be included, along with tips on obtaining and managing the information on the questionnaires from the experienced brokers at Morison Insurance. Why Do Personal Trainers Need to Have Clients Fill Out a Questionnaire? When a potential client walks through your door, literally or figuratively, all you know about them is what you can see with your own eyes—and as we all know, appearances can be deceiving. It would help if you had more than surface-level information about their health and lifestyle to properly assess their current fitness condition and develop the right strategy to help them achieve their health and fitness goals. Most people interested in becoming personal trainers have at least a vague sense of why having their potential clients complete a questionnaire is essential. Still, there may be some reasons and benefits you still need to consider. Here are the key reasons why questionnaires are in your clients' and your best interests. Assess Risk of Injury One of the essential...

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- Published: 2023-04-25
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/news/car-insurance-coverage-travelling-outside-of-ontario/
- Categories: Auto Insurance, Insurance Tips

Will My Ontario Car Insurance Policy Cover Me In Another Province Or The United States? When you live in a country like Canada, with thousands upon thousands of kilometres of the open road, it makes perfect sense that a road trip is a classic, much-loved experience. Whether you're on an Ontario road trip or heading out to another Canadian province to find out what other parts of Canada have to offer, there's nothing quite like throwing your bags in the trunk and heading out for an adventure with your trusty car, truck or motorhome to spend some quality time on the road with your family or friends. But there's no need to limit yourself to just Canada—the United States is just across the border, and Canadians love heading south to enjoy warmer weather, excellent shopping opportunities and the exciting, unique culture of the U. S. A. Before you drive off into the sunset, though, confirming a few things is essential. First, don't forget your Ontario driver's licence, vehicle registration and proof of insurance. But also stop and consider a few critical matters—not least of all, the question of whether you'll still have full auto insurance coverage when you're travelling outside of Ontario or outside of Canada entirely. This guide from the knowledgeable brokers at Morison Insurance explains the answers to frequently asked questions about automobile insurance while travelling. Find out what you need to know to be fully protected before you head out into the wild blue yonder. Does My...

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- Published: 2023-04-21
- Modified: 2023-04-21
- URL: https://staging.morisoninsurance.ca/news/how-to-properly-insure-high-value-items/
- Categories: Insurance Tips

Properly Insuring High-Value Items When the topic of how to insure high-value items comes up, people often assume one of two things. Either they think, "I already have homeowners insurance, so my belongings are fully covered," or they think, "I don't have any high-value items, so that doesn't apply to me. " However, there's a good chance that both assumptions are incorrect. It's necessary to insure high-value items correctly. Hence, you're able to replace them with items of similar value if they're destroyed or stolen—and the truth is that even people who are not wealthy likely have at least a few belongings that do qualify as high value and won't be fully covered by a standard home insurance policy or tenant insurance policy. Here is some advice from the knowledgeable brokers at Morison Insurance on what you need to do to insure high-value items and why it's so important. Why You Need Personal Articles Floaters to Insure High-Value Items Before addressing the matter of how to insure high-value items, it makes sense to ensure that we're all on the same page about why it's necessary. You likely already have an Ontario high-value home insurance, tenant insurance or condo insurance policy in place, so you know that part of your policy is contents insurance that covers your personal belongings up to a certain personal property coverage limit listed on your policy. You may not realize that certain high-value items are subject to special policy limits from your insurance company. That means...

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- Published: 2023-04-11
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/the-importance-of-an-accounting-engagement-letter/
- Categories: Business Insurance, Insurance Tips

What To Know About Accounting Engagement Letters As an accountant, you provide essential services that most businesses and individuals need. After all, most people need to be better versed in the ins and outs of everything that accounting entails. Because accountants work with financial records and can be responsible for saving their clients a lot of money—or potentially costing them a lot of money—they are vulnerable to specific liability issues that may impact their professional accountants insurance coverage. The best way to limit professional liability, avoid unpleasant disputes and ensure that your business relationship with your clients is positive and productive is to have both parties sign an accounting engagement letter before the work begins. But why are they so necessary? What should be included in an accounting engagement letter? The team of insurance brokers at Morison Insurance has the answer to those questions and other commonly asked questions about these letters. What is an Accounting Engagement Letter? An accounting engagement letter is a legally binding document outlining the scope, terms and conditions of a professional relationship between an accountant and a client. Both parties must sign and date the letter to be a binding arrangement. Along with accounting engagement letters, accountants may also need tax engagements, consulting services engagements and bookkeeping engagements, and each service provided should have its engagement letter outlining the specific scope, terms and conditions for that particular service. Are Accounting Engagement Letters Mandatory? While the government doesn't legally require accounting engagement letters, they are still...

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- Published: 2023-04-06
- Modified: 2023-04-06
- URL: https://staging.morisoninsurance.ca/news/can-electric-cars-handle-ontario-winters/
- Categories: Insurance Tips

The Facts About How Electric Cars Handle Ontario Winters More and more all-electric cars are on Ontario roads as more drivers buy environment-friendly vehicles. Green vehicles are a good choice as we try to do our part to address climate change. Electric vehicles (EVs) are an excellent choice for driving in any season, including winter. An often-asked question of those thinking of buying an EV is how well electric cars can handle Ontario winters. These and other similar questions are valid concerns when purchasing an electric vehicle in Ontario. Are Electric Cars Good For Winter? Yes. Electric cars operate well in winter. Like any vehicle - gas or electric-powered - engines strain more in cold temperatures. Cold weather reduces efficiency in all vehicles, no matter the vehicle's power source. Overall, however, electric cars can handle cold weather. There are no odd sounds upon starting in super-cold temperatures, which you may have with gasoline vehicles. EVs flip on like a light switch. Knowing how to get maximum performance from your electric car in winter will enhance your enjoyment, use, and performance of your electric car, so there is no need for anxiety. Is It Safe To Drive An Electric Car In Cold Conditions? Yes, driving an electric car in cold and even freezing conditions is safe. As with any vehicle, driving safely in the winter is essential. Clear your vehicles of snow and ice before you get behind the wheel. Take your time. Slow down and ensure lots of space between...

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- Published: 2023-03-30
- Modified: 2024-03-25
- URL: https://staging.morisoninsurance.ca/news/why-contractors-should-provide-certificate-of-insurance/
- Categories: Business Insurance, Insurance Tips

The Importance of a Contractors Certificate of Insurance Whether you're a roofer, an electrician, a mason or one of the dozens of other jobs that fall under the title of contractor, your work exposes you to some legal and financial risks. The best way to protect yourself against paying out of pocket for unexpected expenses such as legal fees, settlement costs, damage mitigation and more is by having the right contractors insurance in place. But even though you've got the necessary business insurance, that doesn't mean prospective clients will just take your word for it. They need to know there's adequate insurance protection in place when you're working on their property. Fortunately, there's an easy way to prove that you've got the necessary contractors insurance coverage—simply provide them with a contractors certificate of insurance from your licensed insurance brokers at Morison Insurance. What is a Contractors Certificate of Insurance? A certificate of insurance (COI) for a contractor is basically a document issued by your insurance broker that proves you have insurance coverage by listing the essential details of your insurance policy. It's similar to the vehicle insurance card you keep in your truck or car in case you're asked to show proof of auto insurance requirements. A contractors certificate of insurance gives an overview of your relevant insurance coverage that you can show to prospective clients or anyone else who needs to know that you are protected by contractors insurance. Why Do Contractors Need Certificates of Insurance? Any business owner...

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- Published: 2023-03-09
- Modified: 2023-03-09
- URL: https://staging.morisoninsurance.ca/news/tips-for-buying-a-cottage/
- Categories: Insurance Tips

Tips for Buying a Cottage in Ontario Many Canadians dream of having a cottage, summer home, lake house, cabin in the woods, or waterfront property. A place to get away with their family and friends to relax from the hustle and bustle of everyday life. Purchasing a cottage is a big decision, not just financially. Many memories with your loved ones are made here, so you must find the right cottage that best suits your needs and desires. There are so many things to think about! But not to worry. Our expert insurance brokers have summarized what they feel are the most critical steps in buying a cottage in Ontario to help make the process smooth and to ensure you have the best getaway for your specific needs. 1. Define Your Goals A goal is fundamental when making any significant decision in life, and we all agree that buying a cottage is a big decision. But one person's goals may be very different from another's. Typically, people buy cottages for one of the following reasons. They want to: Leave the City For A Weekend, And The Summer The thought of relaxing on a lakefront property on a long weekend or heading to a beach with the family has almost become the stereotypical getaway in Ontario. With the option of either sole or shared ownership of a property, many options are available for all income brackets to buy a cottage. Earn An Income From Owning Real Estate Earning a secondary income...

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- Published: 2023-03-01
- Modified: 2023-03-01
- URL: https://staging.morisoninsurance.ca/news/home-inventory-list/
- Categories: Insurance Tips

Home Inventory List 101 Whether you own or rent your home, it's essential to ensure your belongings are backed with the protection of the right home insurance, condo insurance or tenant insurance policy so you can replace them without financial stress in the event of a fire, natural disaster or theft. Many Ontarians get the minimum recommended coverage limits. They don't bother making a home inventory list to discover the actual value of their belongings, which can leave them dangerously underinsured. But what exactly is a home inventory list? How do you make one? And what should be on it? We have the answers to make the process a breeze and ensure you can get the insurance compensation you deserve to replace your possessions should they be damaged or destroyed. What is a Home Inventory List? A home inventory list is a complete inventory of your valuable possessions so you can prove what you had if your belongings are destroyed or stolen and get the necessary funds to replace them from your insurance provider. Your list is a thorough record of what you own, including everything from clothing and electronics to furniture and home maintenance tools. Why is a Home Inventory List Necessary? Sometimes people assume they don't need to make a home inventory list because they need to have individual items that are very costly. You may not have closets bursting with couture clothing or a home theatre set-up that cost more than your car, but think of it...

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- Published: 2023-02-01
- Modified: 2023-03-02
- URL: https://staging.morisoninsurance.ca/news/insuring-your-home-to-full-replacement-value/
- Categories: Insurance Tips

Everything Homeowners Should Know About Insuring Their Home To Full Replacement Value Becoming a homeowner is an important milestone in anyone's life—it represents a significant financial investment. Still, it also means your commitment to a specific property and all that it can bring to you and your family. As careful as you may be, there's always the potential for disasters and catastrophes to befall your home. If that happens, you need to know that you can get the insurance compensation you need and deserve to rebuild and replace what was lost entirely. That's why it's essential to fully understand the importance of insuring your home to its full replacement value and take the necessary steps to protect your home appropriately. If you need to confirm that your current home insurance policy covers your home to its full replacement value, our experienced insurance brokers at Morison Insurance will ensure you have the right coverage for your individual insurance needs. What Does It Mean To Insure Your Home To Its Full Replacement Value? Insuring your home to its full replacement value means that in the event of a total loss that destroys your entire home, your home insurance coverage provides the funds necessary to rebuild your home as it was before with new building materials, labour costs and replacement for damaged items inside. Full coverage limits are based on the amount it would cost to replace or restore your home, not the amount it is worth on the current market. What Type...

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- Published: 2022-12-28
- Modified: 2024-09-12
- URL: https://staging.morisoninsurance.ca/news/10-home-insurance-myths-debunked/
- Categories: Insurance Tips

Let's Get You The Facts About Home Insurance Myths Insurance can be complicated. Most of us know we need insurance, but when it comes to specific details, you may need clarification. Uncertainty can lead to misinformation, myths and misunderstandings - this is where our insurance brokers can help. Home insurance is critical when you own a property and ensuring you understand your coverage is vital. Our team of expert brokers has compiled ten myths they have encountered and answered for many of our customers. 1. Is My Home's Insurable Value Based on Its Market Value? Your home insurance should be based on its replacement cost, not market value. The replacement cost is how much it would cost to rebuild a home. The concept is to get you back to how you were before a loss. Your property coverage is a contract between an insured (a homeowner) and an insurer (an insurance company) to provide compensation in case of perils outlined in an insurance policy document in exchange for a premium. Guidance from an expert broker is helpful to ensure your home policy covers the correct risks. 2. Do I Have to Buy Home Insurance? Ontario law does not require homeowners to insure their homes. That said, our homes are often our most significant financial investment, and it makes sense to protect them with insurance in case of unfortunate events. For example, if you have a fire in your kitchen and need to rebuild it, your policy provides coverage for fire,...

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- Published: 2022-12-22
- Modified: 2022-12-22
- URL: https://staging.morisoninsurance.ca/news/life-stages-that-impact-insurance-needs/
- Categories: Insurance Tips

Insurance Needs Change Throughout Your Life Our lives are constantly changing, and so are your insurance needs. We buy cars and homes, get married, have children, retire, and so much more. There sadly may also be divorce, separation, and the passing of family members along the way. Life is a series of stages, and our Morison Insurance brokers can provide insurance facts to guide you through the different interchanges on life's highway. Buying a New Car Before you get behind the wheel of your new car, you must insure it. Ontario law requires all vehicle owners to have auto insurance. Provincial law requires motorists to have several legislated coverages; however, additional and increased coverages can also be purchased for extra protection. The dealer who sells your vehicle will require proof of auto insurance - often called a pink card or confirmation of insurance if the vehicle is financed - before you drive away. You will also have to provide proof of auto insurance before getting a licence plate for your vehicle. Our expert brokers can explain auto coverages to you, get you several quotes and help you get the insurance you require quickly and smoothly. Contacting an insurance broker before purchasing a new vehicle is also a good idea. The cost to insure a car is based on several factors, including what kind of automobile you are insuring. Some vehicles are more expensive to insure than others. For example, standard vehicle insurance costs less than insurance for a luxury vehicle....

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- Published: 2022-12-20
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/tips-for-buying-a-car/
- Categories: Auto Insurance

Tips For Buying a New Car Purchasing a new (or new-to-you) vehicle is a big financial decision that requires a significant investment of time, effort, and money. The process can sometimes feel overwhelming, especially if you have little experience and are trying to figure out what to look for when buying a brand-new car. But if you take the time to research and follow a few simple tips when buying a new car, it can go a long way towards making the purchase go smoothly, and you'll be zipping around in your recent acquisition in no time. That's why the brokers at Morison Insurance put together this blog with some tips and advice on what to look for when buying a car in Ontario. Find out what you need to know before you set foot in a dealership to ensure you drive away with the car you need and want, no more and no less. 1. Do Your Research It makes sense that this is the first step toward determining what to look for when buying a car, but prospective buyers often need to pay more attention to it. Some people like to approach buying a car similarly to how they would shop for clothing—look around and see if anything appeals to them. But that's a big mistake. A vehicle purchase represents a significant investment in your comfort, convenience and quality of life, so it's not the type of thing you should walk into unprepared without. Take the time to...

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- Published: 2022-12-14
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/prepare-your-vehicle-for-winter/
- Categories: Insurance Tips

Winterize Your Car In Ontario For some people, winter is their favourite time of year. They get to play winter sports, enjoy an entire holiday season and don't have to worry about it being too hot out. Others, however, aren't big fans of the season, primarily due to the cold temperatures and large amounts of snow, making many activities they enjoy harder or even impossible. One of the things that becomes much harder is driving, mostly due to all of the snow and ice that have created dangerous conditions. Harsh winter driving conditions in Ontario can be a significant challenge, even for the most experienced and confident drivers. Although safe driving and a cautious approach are always recommended, you can lessen the risk even further if you know how to winterize your car. Why Is It Important To Winterize Your Car? Driving in slippery and harsh conditions isn't just an annoying challenge; it can be dangerous. Constantly being one slip-up away from an accident that could cause serious damage or, even worse, can be very stressful. The best way to avoid stress, injury and dangerous situations during winter driving is to winterize your car. With a bit of extra preparation, it can help keep you, your family, and your vehicle safe all winter. While winterizing your car can seem intimidating, most of these steps are doable for most car owners. When Should You Winterize Your Car? Although waiting until the colder months to winterize your car may seem tempting, it's...

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- Published: 2022-12-09
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/renewing-drivers-licence-and-plates-in-ontario/
- Categories: Insurance Tips

Changes About Ontario Driver’s Licences and Licence Plate Renewals Over the past few years, many reports have been published about the changes Ontario drivers need to be aware of when renewing their Ontario driver's licence and licence plates. Where can I renew my driver's licence? How will I remember when to renew my driver's licence and plates? Do I still receive a sticker to put on my licence plates? These are all questions asked in comment sections of websites and to Service Ontario employees. We at Morison Insurance have created this page to answer frequently asked questions about renewing your Ontario driver's licence and the licence plate themselves and how these may impact your auto insurance. Will I Receive A Reminder About Renewal Dates? In the past, you may have received a notification in the mail reminding you to renew your Ontario driver's licence or licence plates. The Ontario government is now phasing out mailed paper renewal notices for licence plates, driver's licences and health cards. Instead of notice by mail, the government is encouraging residents to sign up for its Service Ontario digital reminder notices. If you choose to renew any document online, users will be prompted with a pop-up asking if they would like to sign up for digital reminders. Digital reminders are free and can be sent by email, text, phone or a combination of these three. These reminders can be sent 60 and 30 days before the expiry date to allow for adequate renewal time. Driver’s...

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- Published: 2022-11-25
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/snowmobile-safety-tips/
- Categories: Recreational Insurance

Review These Snowmobile Safety Tips Before You Hit The Ontario Trails Think about a fresh, sparkling blanket of untouched snow stretching out in front of you and only tracks behind you—it's no secret why avid snowmobilers spend the warmer months waiting impatiently for the winter season. Whether you've got a brand-new, shiny snowmobile sitting in the garage ready for its first run or you've hit the trails numerous times before, it doesn't hurt to brush up on some critical snowmobile safety tips. Nothing brings winter fun to a halt faster than an incident that causes property damage or, worse, personal injury. The good news is that following these twelve snowmobile safety tips can help reduce the likelihood of a catastrophic incident. Here's what you need to know before heading off on an adventure of snowmobiling in Ontario. 1. Get the Correct Licence and Insurance Before you even think about revving up your snowmobile, you must fully understand the laws and regulations about licensing and insurance. Snowmobiles are recreational vehicles, so you are required by law to have the correct licence and insurance coverage to drive them. The rules can seem complicated at first, but they make sense once you understand which ones apply to you. Here are some legal requirements for licensing and snowmobile insurance in Ontario: Drivers over 16 must have a valid driver's license in Ontario to operate a snowmobile. Drivers must have Ontario snowmobile insurance to use a snowmobile on trails, the unplowed shoulder of public roads...

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- Published: 2022-11-10
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/insurance-history-importance/
- Categories: Insurance Tips

The Importance of an Insurance History Most people understand that it's important to build a credit history by responsibly managing financial loans to get access to higher lending limits. Still, only some realize it's vital to build a solid insurance history to access the best coverage options for your unique insurance needs. This guide from the team of experienced brokers at Morison Insurance explains why it's so important to grow your insurance history over time, as well as some tips on how to get started building a strong insurance history that will benefit you throughout your lifetime. Having the right insurance coverage for your family, property, and lifestyle is essential financial protection that you can't go without. The nature of your insurance history can impact your ability to get the most optimal coverage. By taking care to start your insurance history outright and maintain it through the decades, you can gain some advantages—but most importantly, you will have the peace of mind that comes with knowing the best available insurance policies back you for your specific requirements, and if a catastrophe occurs, you'll be financially protected from the associated costs. How a Strong Insurance History Benefits You When considering the advantages of an insurance history and why it's so important to have one, we first have to note that your insurance history can be positive or negative depending on factors such as your driving record and how many claims you've filed over the years. Sometimes there's simply no avoiding adding...

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- Published: 2022-10-28
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/questions-to-ask-realtor-when-shopping-for-a-house/
- Categories: Home Insurance, Insurance Tips

Ask Your Realtor These Questions When Shopping for a House Buying a house is an exciting venture that marks a milestone in the home buyer's life. But the home-buying process can also be stressful, especially for less experienced buyers attempting to enter the housing market. That's because there's so much to navigate, from finding the perfect property and getting it financed to ensuring you can get the home insurance coverage you need for your new house and the land that goes along with it. Some people don't worry too much about the insurance component because they assume they'll be able to get the right home insurance coverage and premiums regardless of which house they choose, but that's not necessarily the case. Suppose the home is considerably older and not updated or has other issues that increase the risk of catastrophes such as fire or flooding. In that case, it can seriously impact the type of coverage available and the cost of your premiums. Some insurance carriers will decline the house outright, and others will limit the types of coverage they're willing to offer you. That's why it's so important to know what you should ask your realtor when shopping for a house to ensure you are buying a property in a safe condition and rest assured that your final choice is insurable. Our reliable Morison Insurance brokers have outlined some essential questions below that are a good starting point when shopping for a house. Still, there may be other factors...

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- Published: 2022-10-21
- Modified: 2022-11-02
- URL: https://staging.morisoninsurance.ca/news/insurance-tips-for-married-couples/
- Categories: Insurance Tips

Insurance Tips For Married Couples Two people coming together in marriage to form a new family is a significant milestone that impacts your entire life. A change in marital status also brings a surprising number of considerations and decisions. Combining two lives involves careful planning to ensure it's smooth sailing for the two of you, which is why the brokers at Morison Insurance have prepared a few good-to-know insurance tips for married couples. Moving from insurance coverage for a single person to a joint policy for a married couple isn't the most challenging part of beginning to build a life as a duo—with the help of an experienced broker, it should be a reasonably smooth process. But it is good to start with a basic knowledge of what to expect and what's expected of you. These insurance tips for married couples will help you get your insurance coverage where it needs to be so you can focus on enjoying married life. Update Personal Information One of the most crucial insurance tips for married couples is to speak with your broker at Morison Insurance and get advice specifically tailored to your unique lifestyle and insurance policy. There's also some pertinent information that your broker will need to make sure your information is up-to-date, and you are fully covered. If one or both spouses legally changed their surname as part of the marriage union, for example, make sure your broker is aware so they can update your surname and driver's license number...

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- Published: 2022-08-31
- Modified: 2024-07-26
- URL: https://staging.morisoninsurance.ca/news/winterizing-your-home/
- Categories: Home Insurance, Insurance Tips

Winterizing Your Home Tips Even when we're splashing around at the lake in the summer or enjoying the beautiful, changing foliage in the fall, Ontarians know that winter weather lurks just around the corner. Of course, Ontario's winters are lovely and provide endless opportunities for outdoor recreation throughout the province — but even a winter wonderland can create some significant problems for homeowners and their bank accounts, especially if they're not fully prepared for the colder months. Winterizing your home is the best way to avoid high energy bills and significant repair expenses. By following a winter home maintenance checklist, you can give yourself the peace of mind that comes with knowing your home is protected against severe winter-related damage — not to mention save yourself quite a bit of money on heating costs. This guide to winterizing your home offers some advice and information about why home winterization is a good idea, along with suggestions on preparing your home for winter. We've also included information on preparing for a long winter absence for snowbirds planning to escape to warmer climates. Benefits Of Winterizing Your Home Most Canadians are at least somewhat aware of why winterizing your home is so important, but clearly understanding how completing a winter home maintenance checklist benefits a property and household makes people much more motivated to get it done. Here are the top three advantages that come along with winterizing your home: Avoid Insurance Claims: Your home insurance policy is there to protect you...

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- Published: 2022-08-26
- Modified: 2022-08-26
- URL: https://staging.morisoninsurance.ca/news/winterizing-a-cottage/
- Categories: Home Insurance, Insurance Tips, Recreational Insurance

Ontario Cottage Winterizing 101 From those hot summer days spent splashing in the lake and working on your tan, to those autumn evenings when the family gets together to cozy up around a bonfire, there's nothing quite like having your very own cottage to get away from the city and enjoy Ontario's natural beauty. As a cottage owner, you know what a huge benefit your cottage is to you and your family throughout summer and for a good portion of the spring and fall as well. But before you abandon it for the winter, it's important to take care of your checklist for winterizing a cottage. As we are all very well aware, Canadian winters can be really harsh. Your home is protected with layers of insulation that hold in the heat from your roaring furnace. But while you're cranking up the thermostat in town, your cabin is out there in cottage country, facing the ravages of winter on its own. If you know and follow the steps for winterizing a cottage in Ontario, you can get the peace of mind that comes with knowing your cottage is safe and sound under a blanket of snow. Knowing how to winterize a cottage means you won't have to face a nasty surprise when you head up there in the spring—and won't have to deal with an increase of your insurance rates after you're forced to file a claim on your Ontario cottage insurance to deal with the cost of serious winter...

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- Published: 2022-05-31
- Modified: 2023-06-26
- URL: https://staging.morisoninsurance.ca/news/tips-for-buying-a-condo/
- Categories: Home Insurance, Insurance Tips

Expert Tips for Buying a Condo In Ontario If you want to buy a condo, you've come to the right place for Ontario condo buyer tips. Our goal is to help you through the condo-buying process by providing you with useful and helpful information. Condominium living is a preferred residential option for many people. Buying a condo can be a perfect way to get into the housing market. This is because condos can often be purchased for less than the price of standard single-family homes. For others, condo living is a preferred urban-living option that meets their residential needs and wants and offers easy access to many urban life amenities. Others love condo living because the homeowner's responsibilities are limited to what is inside their unit. There is no grass to cut, no snow removal, no gardens to weed, and more. Condos are, for many, a smart real estate investment and a perfect place to call home. So, on to our top tips when buying a condo. 1. Know what type of condo you want to buy Get started by making a wish list. Yes, a wish list, but not an unattainable one. Make a list that's guided by reality. Ask yourself what you want in a condo and what you can reasonably afford. Include details on the kind of condo you would like to own. Some questions you may want to ask yourself are: Do you want to live in a high rise, a low rise, or a townhome-style...

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- Published: 2022-03-29
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/news/accident-benefits/
- Categories: Auto Insurance

Find Out More About the Accident Benefits Ontario Drivers Need Most of us do it at least once daily: We get in our car, start the engine and drive. We may go to work, pick up our kids, get groceries, and even go on a road trip. Driving is part of our daily routine. We often spend little time thinking about our risks and responsibilities while behind the wheel. In the vast majority of cases, we reach our destinations safely. There are times, however, when automobile accidents do occur. Thankfully, injuries and damages are minor in most accidents, such as with a fender bender. Unfortunately, however, serious motor vehicle accidents do happen, resulting in fatalities and catastrophic injuries. Ontario law requires every driver to be licensed and each motor vehicle owner to have insurance, including accident benefits. Ontario car insurance through an insurance provider offers coverage for four required protections: Third-party liability coverageli> Direct compensation for property damage Uninsured automobile Accident benefits coverage Accident benefits coverage protects those injured in accidents. This includes the insured/driver, possibly the passengers, and others, such as pedestrians or passersby. Accident benefits can consist of payments for caregiving, income loss, funerals, and many other expenses. For example, funeral costs in Canada can range from $1,500 to $20,000, depending on preferences. The funeral benefit paid under a standard policy with standard accident benefits is up to $6,000. With increased accident benefits, you can receive coverage of up to $8,000 for funeral expenses. Our Morison Insurance brokers...

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- Published: 2022-02-22
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/moving-checklist/
- Categories: Home Insurance

The Ultimate Moving Checklist Moving. Yeah, the pack-up-ALL-your-stuff and go-to-a-new-home kind of moving. The process can be exhilarating and energizing. It can also be super stressful and downright tiring. The enjoyable part is the thrill of a new home, envisioning what life will be like in a new place. The stressful part is the actual move. Just thinking about moving every item in your house, packing it, transporting it, unpacking and getting settled in place can be send-you-over-the-handlebars mind-boggling! I'm sure many of us have heard friends say - maybe you've even said it yourself - "I could never move; I have too much stuff. " Well, stress and worry be damned, we are here to share a comprehensive moving checklist with tips to make the experience the best it can be - maybe even Zen-like! This moving checklist will guide you from the first step to the last. We know, however, that moving checklists will differ by the individual. Please take some time to personalize this moving checklist to meet your specific needs. Generally speaking, planning, starting early and tackling wee bits over time is essential. This is why a moving checklist with a timeline is helpful. Depending on how much stuff you have, it's probably best not to prep and pack in just a few days. Your best bet is to plot your plan for your attack. We have made this a printable moving checklist so that it is easy to mark off a list of items that...

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- Published: 2022-01-28
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/news/home-improvements-to-lower-your-insurance-premium/
- Categories: Home Insurance, Insurance Tips

What Home Improvements Can Impact Your Insurance? Do you have home renovations that you have been putting off? This is understandable, as renovations can be a large undertaking. However, they will be worth it. By making specific home improvements, you can protect the value of your home and may also lower your home insurance rate. Although updating your flooring to hardwood floors or master bedroom remodel would be nice, these home improvements will not impact your homeowners insurance premium. If you want to make home improvements to lower insurance, re-roofing your house, updating your heating system, plumbing and electrical, or installing a sump pump can achieve this goal. In some cases, home improvement projects have significant positive outcomes beyond aesthetics. Improving your home's value can lead to receiving a preferred policy premium. Our homes are among the most important investments we make. It's a place for family and friends to relax and enjoy life. Investing in a home improvement project that pays dividends on value and insurance savings makes sense. Our Morison Insurance brokers have suggested some home improvement projects to keep your home in good repair and positively impact your home insurance premium. 1. Update Your Heating System If your heating system is older and inefficient, insurers may be concerned about the risk of problems, such as breakdowns, that may result in claims. Higher risks translate into higher premiums and restricted coverage, and in some cases, you may find it challenging to find insurance coverage. Conversely, when risks are...

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- Published: 2022-01-24
- Modified: 2025-06-04
- URL: https://staging.morisoninsurance.ca/news/spring-home-maintenance-checklist/
- Categories: Home Insurance, Insurance Tips

Spring Home Maintenance Checklist: Home Maintenance Tips For Your Spring Clean Depending on your feelings about the seasons, spring can be anything from the best or worst time of the year. Some people like the coming of flowers, birds, and other beautiful sights. Others are saddened that they must wait to engage in many of their favourite winter activities. Many people are happy the inconvenience of all the snow is gone, and the cold winter weather has been replaced with warmer temperatures. But part of the seasonal change involves getting some work done, which some people may be less than happy about. Regardless of how you feel about switching from the winter months to springtime, we want to help make the transition to warm weather easier for you. Our Morison Insurance team has created a spring home maintenance checklist with tips to help you prepare and get your house and property ready for spring. Prepping for spring brings feelings of accomplishment and satisfaction. You're not rushing to get your outdoor furniture out or track down an air conditioning expert when it's already warmer weather. By taking the time to check each item on our spring home maintenance checklist, your home and garden will be ready for the season. Why Is Spring Home Maintenance Important? Keeping your home in good shape with regular maintenance protects one of your largest financial investments—your home. A well-maintained home provides you with a nice place to live and, if you choose to sell in the...

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- Published: 2021-12-13
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/buying-and-charging-electric-car/
- Categories: Auto Insurance, Insurance Tips

Top Tips for Purchasing and Charing your Electric Vehicle So, you want to buy an electric car, but naturally you have some questions. While electric does seem to be the way of the future, it certainly differs from using traditional gas-powered vehicles. You may be curious about charging an electric vehicle (EV), how many kilometres of range are in each charge, and if purchasing an electric vehicle is even worth it. Not to mention, you may be wondering what you need to know about electric car insurance. The team at Morison Insurance compiled this blog post to give you a better idea of the benefits and drawbacks of buying an EV. Also, you can find our professional insight into insuring an electric car by reading below. If at any time you have questions while reading this blog, feel free to reach out to one of our licensed insurance brokers. We're always happy to chat. Benefits of Buying an Electric Car One of the most common benefits of buying an electric car that may come to mind is the reduced environmental impact, as electric vehicles don't burn fossil fuels—unlike a conventional vehicle. Yet, there are many more advantages of making the switch from gas to electric. No Gas If you buy a vehicle that doesn't burn fossil fuels, that means you aren't paying for gas. This means you can start ignoring fluctuating gas prices, and feel good about yourself for limiting fossil fuel consumption. Perhaps one of the best benefits is...

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- Published: 2021-12-09
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/questions-to-ask-online-insurance-quote/
- Categories: Insurance Tips

What To Ask When Shopping for Online Insurance Quotes When shopping around for home and auto insurance, it's imperative to not only look at a few different options but also to ask the right questions, so you can be as informed as possible before making such a big decision. At Morison Insurance, our team of licensed, expert brokers have access to Ontario's top insurance companies and have built relationships with each company over the years. We are well poised to help you shop for an auto and/or home insurance quote that's perfect for your needs. That said, we also believe in empowering our customers by offering upfront, transparent advice and information—which is one of the reasons why our team of experts put together this helpful guide. In it, you'll find a list of the best questions to ask while shopping for your online insurance quotes on your home or auto insurance, as well as tips from our helpful brokers. Auto Insurance Quote: Top Questions to Ask Shopping around for auto insurance shouldn't be stressful—yet, there are so many options to choose from. And not just in terms of the range of Ontario insurance companies that are out there, but also in terms of how each policy differs. It's important to have a good understanding of what coverages are available to you, what discounts you're applicable for, and how you can ensure your family is best protected while driving. Be sure to ask these questions when looking for an online insurance...

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- Published: 2021-12-02
- Modified: 2021-12-15
- URL: https://staging.morisoninsurance.ca/news/home-insurance-problems-and-solutions/
- Categories: Home Insurance

Home Insurance Problems To Look Out For And Their Solutions Your home is one of the most important investments you own—if not the most important. Not only does it provide a safe place away from the rest of the world's demands, it's also where you build memories with friends, where your children will grow and where you and your partner will build a life together. Protecting this important asset should always be a top priority, and the best way to protect your home is through the right insurance policy. While you would have purchased home insurance upon buying your home, there are certain situations where a standard homeowners insurance policy simply won't provide enough coverage in the event of a loss. But, what are these home insurance problems? And how do you know if your current home insurance policy is providing enough coverage? The team at Morison insurance is able to answer all your questions about potential home insurance problems and more. Our family-owned and operated business is dedicated to helping homeowners across Ontario find the best coverage for their unique needs. Each of our insurance brokers excel at listening to our customers, answering their questions and comparing quotes to find the most comprehensive coverage possible. Our goal is to ensure you can have peace of mind knowing your home will be protected—no matter what home insurance problems might pop up along the way. At Morison Insurance, our brokers have the solutions to these problems. To help you figure out...

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- Published: 2021-11-24
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/home-insurance-cost-in-ontario-guide/
- Categories: Home Insurance

Your Comprehensive Guide to Home Insurance Costs in Ontario When it comes to purchasing home insurance, you naturally want the best coverage available. After all, your home is your most important asset. As a responsible Ontario homeowner, you want to do everything you can to take care of it. While insuring your home is required when you purchase your property, it can be helpful to know how its cost is calculated. In general, most insurance for homes in Ontario costs between $1,000 - $2,500 annually. But there are many factors that can influence this figure. For instance, the cost calculation of high-value homes is much higher than the provincial average. To give you insight on what to expect from your home insurance costs, the team at Morison Insurance put together this helpful guide. In it, we breakdown all the various factors that can impact your residential home insurance costs. How Are Home Insurance Costs in Ontario Calculated? Residential property insurance rates in Ontario vary from location to location, and there are many other influences that impact its cost. Some of these factors may seem obvious, but there are many that surprise Ontario homeowners. While it's best practice to talk to a qualified insurance broker about your homeowners insurance premium, such as the expert team at Morison Insurance, the following guide should give you a general idea of what goes into calculating your homeowners insurance. Where You Live One of the biggest factors in determining your insurance rates in Ontario is...

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- Published: 2021-11-22
- Modified: 2021-11-24
- URL: https://staging.morisoninsurance.ca/news/mortgage-protection-insurance-ontario-guide/
- Categories: Home Insurance

Ontario Mortgage Protection Insurance 101 Buying a home is a major responsibility. While there are many benefits of home ownership, such as having a place you can truly call your own, building equity and investing in your future, you're also usually signing up for as many as 30 years of payments. This might not seem like cause for concern. After all, you went into the property-buying process understanding the commitment you're making. And you see yourself living in your home for at least that long—possibly longer. You carefully chose this house for its proximity to excellent schools and beautiful parks, or perhaps because it's only a quick commute to work. However, you never know what is going to happen in life. Which is why you protect important assets, like your home, with insurance. While you likely had to purchase homeowners insurance before taking the keys to your new nest, you may also have been confronted with another choice: buying life insurance or mortgage protection insurance in Ontario. While either protects your home, and family, in case you die, there are a few differences between the two that Ontario homeowners should be aware of. In this blog, the experts at Morison Insurance will guide you through those key differences, so you can make an informed decision about which type of insurance is best for you. What is Mortgage Protection Insurance? Also called MPI and mortgage life insurance, this policy ensures your family can make monthly mortgage payments if you—the policy holder...

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- Published: 2021-11-16
- Modified: 2023-04-04
- URL: https://staging.morisoninsurance.ca/news/home-insurance-from-a-broker-vs-direct-writer/
- Categories: Insurance Broker

What You Need To Know About Brokers VS Direct Writers When shopping around for home insurance, you naturally want the best coverage possible. Yet, there are so many options out there—how are you supposed to find an insurance company that offers a fair price, provides the protection you need, and also offers excellent customer service? It can be a challenge to find the right match. And, it's a big decision to make. After all, your house is your chief investment—and it's your place to escape a sometimes stressful world. It's your home. Ensuring you are protecting that investment should be a top priority. If you've just started your home insurance search, you've likely encountered a few different terms. Particularly, insurance brokers and direct writers. While each professional can help you buy home insurance, there are a few important distinctions you should know before deciding what direction to take. To help inform your choice, the expert team at Morison Insurance has put together the following resource exploring choosing home insurance through a broker vs direct writer. Insurance Brokers Explained Starting off, let's break down insurance brokers and direct writers a bit further. Essentially, an insurance broker works at an independent company that shops around for insurance quotes on your behalf. This means they aren't biased towards a certain insurer. Brokers also have access to numerous insurance companies. Lastly, brokers are highly experienced, licensed professionals who have expert insights into how to find you the best insurance coverage possible. These three qualities—unbiased,...

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- Published: 2021-10-04
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/electric-and-hybrid-vehicle-care-tips/
- Categories: Insurance Tips

Electric and Hybrid Vehicle Care Guide Whether you've decided to invest in an electric vehicle and do your part for the environment, or a hybrid seems to be the perfect compromise for your lifestyle, both types of vehicles have particular specifications when it comes to routine maintenance. While there is some crossover with a standard vehicle, it's best to educate yourself as much as possible about your new car so you can truly take the best care of it as possible. To help you prevent emergencies and costly repairs, the team at Morison Insurance put together this helpful guide to both electric vehicle and hybrid maintenance. Additionally, should you need help navigating electric car insurance, our team of helpful brokers is more than happy to lend a hand. How to Maintain Your Electric Vehicle There are numerous benefits of investing in an electric vehicle. While the upfront costs might be more, you actually wind up saving quite a lot of money in the long run. Not only are there a number of provincial and federal tax credits to offset the cost difference, but they are also more affordable to run-since you're not wasting your hard earned dollars on gas. It can cost thousands to fill up throughout the year, but only hundreds to plug into a charging station. Additionally, electric vehicle maintenance is a lot easier than gas vehicles. A gasoline engine requires oil changes, spark plug replacement, filter changes and more. However, electric vehicle powertrains are much simpler and...

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- Published: 2021-10-01
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/new-car-safe-driving-technology/
- Categories: Auto Insurance

Safe Driving Technology Considerations When Shopping for a New Car Without a doubt, there are numerous high-tech gadgets and gizmos that come along with new cars. Safety technologies have come a long way over the years. Although there still is no replacement for the safety provided by seat belts, which should be worn at all times in a moving vehicle, the array of new safety technology options for car buyers can feel a little overwhelming. So, what are the most important safety features—and what can you go without? Fundamentally, the safety features you choose to invest in should work for you. Some of the items on this list will be useful to you, others might be more useful to your partner. As drivers, we are all unique, and while we should all practice safe driving habits, it doesn't hurt to invest in a vehicle that can help you be a safer driver. To give you a sense of what safety technologies are quintessential and which you can do without, our car insurance experts here at Morison Insurance put together the following. Keep reading to learn more about some of the most sought-after safe driving technology available on the market. 5-Star Crash Rating Right off the bat, advances in technology have made it so that nearly every new vehicle is equipped with a 5-star crash rating. A 5-star crash rating means there's less than a 10% chance the driver or passenger would sustain major injuries in a collision. Comparatively, a 1-star...

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- Published: 2021-09-29
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/tips-buying-luxury-home-ontario/
- Categories: Home Insurance

Top Expert Tips For Buying a Luxury Home in Ontario If you're shopping around in the luxury home market, it's key that you do your homework to invest in the ideal property for your unique needs. Whether you're looking for a historic mansion in Ottawa's historic Glebe community, a charming Oakville home in Kerr Village along Lake Ontario, or want a show-stopping penthouse in Toronto's financial district, finding the right luxury home takes patience, the right team, and a focused vision. At Morison Insurance, we're no stranger to working with luxury homeowners and providing high-value home insurance. That's why our team put together this comprehensive list of tips to help you find the home of your dreams. 1. Hire the Right Real Estate Agent When you're looking to invest in a luxury home, you need to work with a real estate agent that you’re confident will have the experience and skills needed to find the house of your dreams. The luxury real estate market differs from the regular market in many ways, and you should look for a real estate agent who has the following qualities: The Proper Experience You should never hire a real estate agent to find you the right luxury home in Ontario if they don't have adequate experience in the luxury property market. Not only should the agent have worked in luxury real estate for a respectable amount of time—thus, he or she will have the right connections—but the agent should also have a good track...

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- Published: 2021-09-27
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/rental-property-investments-guide/
- Categories: Home Insurance

Your Guide on Rental Property Investments Are you thinking of purchasing a residential rental property to boost your income and improve your investment portfolio? Real estate investing offers many advantages, such as earning passive income, the possibility your investment may increase as real estate values increase, and having a physical asset (unlike the stock market). However, investing in real estate can be daunting for a first-time investor. Real estate is a tough industry where even the smallest mistake or lapse in judgement can result in poor returns and financial losses. When it comes to your real estate investment, you need to take your time and do your due diligence before making a purchasing decision. To help you know where to start, what type of landlord insurance you need, and what to watch for, the expert team at Morison Insurance put together this helpful guide. In it, you'll find everything you need to know before investing in a property. Starting Out Before you bring a realtor into the picture, it's important that you begin your search for an investment property on your own first. Remember that although a real estate agent is there to help you, they're also there to make money. There is a chance they might try to sell you on a rental property that isn't exactly what you're looking for. Before purchasing such a big investment, it's key you're 100% satisfied with the property. Unlike the stock market, you can't just sell quickly when your investment starts to...

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- Published: 2021-09-22
- Modified: 2022-12-15
- URL: https://staging.morisoninsurance.ca/news/ontario-real-estate-trends/
- Categories: Home Insurance
- Tags: Real Estate

What to Expect From the Ontario Real Estate Market in 2023 If you're thinking of buying or selling real estate in Ontario during the following year, you're probably curious to know what the future holds for the Ontario real estate market. It's a complex industry with some big dollar values on the line, so the more information you have about what's likely to happen, the better you'll be to turn the market to your advantage as a buyer or seller. Housing demand and prices have always fluctuated from year to year. Still, the COVID-19 pandemic brought some significant unexpected changes to the Ontario real estate market—proving once again that housing market forecasts are certainly not written in stone. That being said, it's a good idea to look at what the experts have to say and what they expect when it comes to an Ontario housing market forecast for 2023. That's why the Morison Insurance team put together this summary of what realty experts anticipate from the Ontario housing market in the coming year. We'll explain what's on the horizon and the numbers behind those predictions, as well as offer a look at what may be on the table for the Ontario real estate market in 2024. Ontario Housing Market 2023: Prices are Falling The most significant Ontario real estate market trend currently underway and expected to continue well into 2023 is falling home prices. This is because sales have stagnated, and more homes are available on the market than last...

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- Published: 2021-06-09
- Modified: 2021-09-20
- URL: https://staging.morisoninsurance.ca/news/home-security-systems/
- Categories: Home Insurance

Everything Ontario Homeowners Should Know About Home Security Systems As a homeowner, you pour endless love and care into your space. You've created a place where you can relax at the end of a long day—escaping the hustle and bustle of daily life. It's a safe haven where you can watch your children grow, entertain loved ones, or even live out a quiet retirement tending to your beautiful garden. Your home protects you, physically and emotionally. It safeguards against the elements and chilly Ontario winters, while also giving you a place where you can truly be yourself—whether that means lounging in pajamas and binge-watching Netflix, or pursuing your latest hobby. But when that safety is compromised—either by a burglar or an environmental threat like a fire—it can leave you feeling shaken, scared and experiencing loss. Aside from High-Value Home Insurance, the best way to protect your home and possessions is with a state-of-the art security system. But what are the actual benefits of a security system? And what type of alarm system is best for your home? We answer both those questions, and more, in the following guide. Ready to learn the best way to keep your home safe? Let's get started. 6 Benefits of Home Security Systems Although it's clear a home security system will protect your property, you may be putting off investing in one because you're not sure if the pros truly outweigh the cons. For instance, there’s the hassle of researching the best kind of alarm...

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- Published: 2021-04-29
- Modified: 2021-11-17
- URL: https://staging.morisoninsurance.ca/news/moving-to-ontario-insurance/
- Categories: Insurance Tips

Are You Moving To Ontario From Another Province? If you are moving to Ontario from another province, welcome! There is so much to love about living in Ontario, a place of abundant urban and rural delights. You will love it here! In terms of insurance, there are some things you should know before you move to Ontario. This blog provides information and tips to ensure you have the right home insurance and auto insurance in place during your move. The Basics About Moving To Ontario Home And Auto Insurance Ontario Has Lots Of Insurance Choices Plenty of insurance companies are ready to compete for your insurance business when you move to Ontario. Competition means you can choose among prices and coverages and select the car insurance and home insurance you want. When you work with Ontario insurance brokers, you get several competitive quotes for your home and auto insurance, numerous coverage options, and guidance from an insurance professional. Does Ontario Have Private Auto Insurance? Some Canadian provinces, such as Saskatchewan, Manitoba and British Columbia, have public auto insurance systems managed by their provincial governments. In Ontario, private insurance companies sell insurance. This provides options for Ontario drivers. You can choose from numerous insurance companies offering different options and pricing, and choose the auto insurance that best suits your needs. Ontario Has Mandatory Auto Insurance Coverages By law, you must insure a vehicle if you plan to drive it in Ontario. Mandatory insurance coverages in Ontario include liability coverage, accident benefits,...

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- Published: 2021-04-06
- Modified: 2024-11-14
- URL: https://staging.morisoninsurance.ca/news/first-time-homebuyers-guide/
- Categories: Home Insurance, Insurance Tips

A Guide To Buying Your First Home To want a home is human. Home means safety. It’s a comfy sanctuary in our hustle and bustle world, a retreat, a place to be ourselves. For many of us, the first place we call our own is a bedroom in our parents’ home. It’s our space, our first private domain within four walls. As we grow older, it’s natural to want our own home. Many of us will buy a home to live in, raise a family, and make memories. Home buying is exciting! It is a new beginning. A step forward. An opening to opportunities, big and small. Everything from the freedom of designing your living spaces to entertaining friends to almost anything. And while the joys of being a first-time home buyer are wondrous, it’s also essential to understand and be prepared for first-time home buyers' responsibilities, as this is one of the most significant decisions you can make in life. This first-time home buyers guide outlines some critical financial responsibilities first-time home purchasers need to know when entering home ownership. When your purchase is completed, and you are enjoying your new home, we want you to be confident your financial house is in good order. This is a lot to think about. Proceed one step at a time. Use this first-time home buyers guide to help you. Buying your first home is exciting. Enjoy the journey! Understand Your Finances While financial planning and budgeting are not generally the most...

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- Published: 2021-01-28
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/insurance-for-a-new-car/
- Categories: Auto Insurance, Insurance Tips

Car Insurance For A New Car Have you purchased a new car? Are you thinking of buying one? Before you get behind the wheel, you must have new car insurance in Ontario. When looking for a new car, you likely visit a reputable car dealer to determine which vehicle meets your lifestyle needs and budget. The same applies when buying new car insurance coverage: Go to a top-rated insurance broker to get auto insurance that meets your needs and budget. When you contact an insurance broker, you can get competitive insurance quotes for a new vehicle. You will receive professional guidance on the best car insurance for a new car to protect your investment. The icing on the cake is that an insurance broker makes insuring a new car quick and easy. What Coverage Do I Need for New Car Insurance in Ontario? Insuring your new vehicle is not only essential; it is required by law in Ontario. The province of Ontario has four mandatory new car insurance coverage: third-party liability coverage, accident benefits coverage, direct compensation property damage coverage, and uninsured automobile coverage.   Third-party liability coverage protects the insured driver when someone is injured, killed, or property is damaged. Third-party liability pays for defence costs to settle legal claims against you to a stipulated limit. Due to the high costs associated with lawsuits and settlements, at least $2 million in liability coverage is highly recommended for new car insurance in Ontario. Why? A court determines you must pay...

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- Published: 2020-12-04
- Modified: 2023-04-04
- URL: https://staging.morisoninsurance.ca/news/hassle-free-insurance/
- Categories: Insurance Tips

Shopping for insurance shouldn’t be a hassle Don't you love it when things are quick, easy, and stress-free? Why can't everything be this way? Why can't traffic jams be less stressful? Why can’t changing your cellphone plan be simpler? Why are automated phone attendants always annoyingly trying? Wouldn’t it be so much better if these and other things were straight-forward and easy? Although we can't solve these and other everyday pains, what we can do is make getting insurance quick and easy. Insurance brokers can deliver hassle-free insurance shopping. Stress-free auto insurance. No-hassle home insurance. In fact, we do our very best to make your whole insurance experience pleasant. Think of it as one less pothole on the road of life and one more refreshingly pleasing experience. Sounds good, doesn't it? What is hassle-free insurance? Hassle-free insurance is receiving stress-free insurance service from the moment you call an insurance broker to get a quote. It's knowing your insurance broker has your best interest in mind and will find you the best insurance coverage. It’s having insurance choices and selecting the insurance that is best for you. It's receiving prompt, caring and friendly service when you need it. Where can I find hassle-free insurance? You can find hassle-free insurance at Morison Insurance, a trusted insurance broker in Ontario. When you contact us, we will immediately help to lower any stress you may be feeling. We will discuss your insurance needs with you and quickly get you several customized and competitively priced...

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- Published: 2020-11-27
- Modified: 2024-06-03
- URL: https://staging.morisoninsurance.ca/news/full-service-insurance/
- Categories: Insurance Tips

What is a full-service insurance brokerage? A full-service insurance brokerage offers insurance coverage for your home, auto, business, and recreational insurance needs and provides advice, support, and service on all insurance matters. A full-service insurance broker sells it all. Home insurance, auto insurance, commercial insurance, travel trailer insurance, secondary home insurance, identity theft insurance, classic car insurance, boat insurance, cottage insurance and more. A full-service insurance broker also provides expert service and professional advice whenever you need it. This is an essential part of the full-service insurance brokerage experience because it ensures every customer’s insurance needs are met completely. What are the benefits of using a full-service insurance broker? You should work with a full-service insurance broker because you will have your insurance all in one place, they will provide you with a variety of competitive insurance quotes, there are numerous discounts available, you will receive expert advice with a personal touch, and you will save yourself time and energy. Choosing to work with a broker that does not offer full service is like going to an ice cream shop that offers only one flavor of ice cream. No choices, no options. A full-service insurance brokerage is like an ice cream shop with over 20 flavors. Plenty of tempting options to choose from, appetizing prices, and friendly and knowledgeable wait staff. Insurance all in one place A full-service insurance brokerage provides everything you need all in one place. Looking for home insurance, car insurance, or business insurance? Or maybe you're...

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- Published: 2020-11-20
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/how-to-change-insurance-brokers/
- Categories: Insurance Broker

Can I Change Insurance Brokers? Yes. You can change insurance brokers. Changing insurance brokers is often done when customers are looking for more competitive prices, improved service, or different coverages for home insurance, car insurance or other insurance. A reputable insurance broker can help you change insurance brokers and avoid pitfalls, such as paying penalty charges. Why Would I Switch Insurance Brokers? There are many grounds for changing brokers which is why it is not uncommon to do so. Canadian insurance brokerages are here to provide a service, and in times when that service does not fulfill your wants or needs, a switch may be necessary. Reasons to change insurance brokerages can include saving money, changing insurance needs, and dissatisfaction with your current insurance brokerage. Competitive Pricing Changing insurance brokers may save you money when you purchase a new insurance policy. A new insurance broker will compare rates at different companies to see if you can save on your insurance. They will also make sure you get all the auto insurance discounts and property insurance discounts you are eligible for. Improved Service A common reason to switch insurance brokers is to get improved service. Maybe your current insurance broker just isn't a good fit. Does the service feel impersonal, robotic, and/or uncaring? Do you get the help you need quickly? Select an insurance broker who is committed to providing personal and prompt service. Brokers know insurance, they care, and they will provide top-notch service. Changing Insurance Needs As your life...

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- Published: 2020-11-11
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/why-you-should-speak-to-an-insurance-broker/
- Categories: Insurance Broker

Insurance is all about providing protection Why does anyone bother to purchase insurance in the first place? Because, if something bad happens, insurance will have your back. It is more than just protecting your car, home, or valuable items, it's about protecting you, your family, and your friends. When you speak with a broker, you will get the best advice and the best insurance coverage. Beyond receiving professional advice from years of experience, insurance brokers are human too. We understand that life is complicated. It is this human touch that will help our insurance brokers give you accurate and helpful information tailored for your life. Why buying insurance online may not be the right choice In our online world, it may surprise you to learn that buying insurance online is not typically the best choice. It lacks specificity and accuracy. It might seem like you are getting a lower price, but in reality, you are probably paying for insurance that you don’t need and won’t be helpful when things go wrong. That’s like throwing away your money. Let me tell you a story. Sharron is scrolling through her favourite social media platform when she sees an ad for a very cute and stylish coat. It is true that Sharron has never heard of the obscure retailer, but the price is unbeatable. She buys it thinking it will be perfect for chilly evenings out with her friends. But when it arrives five-weeks late and looks like it fell off the delivery...

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- Published: 2020-10-20
- Modified: 2024-09-25
- URL: https://staging.morisoninsurance.ca/news/switch-insurance-companies/
- Categories: Insurance Tips

Everything You Need To Know About Switching Insurance Companies If you're considering switching insurance companies, you likely have questions about how the whole process works and whether it's right for your particular insurance needs. With the help of a qualified Morison Insurance broker, switching insurance companies is relatively easy and hassle-free—but there are some situations where it may be better to remain with your current insurance provider temporarily or on a more long-term basis. Here are the answers to the most commonly asked questions about how to change insurance companies, including the best time to make the switch, how it could affect your insurance coverage, and other need-to-know information that will help you get a clear idea of what to expect during the process of switching insurance companies. If you've decided and are ready to switch insurance companies, speak to your experienced broker at Morison Insurance to get started. Can I Switch Insurance Companies? Yes. You can switch insurance companies. It is quite common for customers to shop at different insurance companies to find better coverages and pricing for their home insurance, car insurance, condo insurance and more. That's where using a reputable insurance broker can be beneficial. They will help you get multiple quotes from different insurance companies. When comparing insurance quotes, be sure to compare the same features on these policies. It is essential to compare policies with similar coverages, limits, deductibles, and other terms. No one wants to change insurance companies only to find out later that...

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- Published: 2020-08-19
- Modified: 2025-06-23
- URL: https://staging.morisoninsurance.ca/news/cottage-insurance-quotes-what-you-need-to-know/
- Categories: Insurance Tips

Your cottage is your family get-away. It's where you go to make memories, escape from city life, and relax. That's why it is extremely important to have the right cottage insurance policy. Not only will it protect the physical structure, but it also protects any detached structures on your property and personal contents if there is damage or a loss. To ensure you have the best coverage, you need to get a cottage insurance quote. Our cottage experts have written this blog to provide you with all of the details that you need to know when getting a quote for your seasonal property. Keep reading to learn more! What is a cottage insurance quote? A cottage insurance quote outlines the price and coverage an insurance provider offers to a customer for a seasonal or vacation property. A cottage quote will outline the annual cost to insure your vacation home, its contents, other detached buildings such as a bunkie, shed or boathouse. Your quote will also include details on the types of coverage that will be provided, insured perils, coverage limits, and other details. Choosing the right coverage for your cottage insurance quote It is important to choose the right type of coverage when getting a cottage insurance quote and purchasing this protection. Without adequate coverage, you may find yourself without protection for some losses should these occur. Additional coverage options are available to ensure you have the right level of coverage for your seasonal home. Details about your seasonal home...

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- Published: 2020-06-24
- Modified: 2024-09-27
- URL: https://staging.morisoninsurance.ca/news/rental-property-insurance-the-right-way/
- Categories: Insurance Tips

What is rental property insurance? Rental property insurance, also known as landlord insurance, is financial protection for properties such as houses, condos, farms and commercial buildings that you own and rent to others. Rental property insurance includes property damage coverages for the building, contents coverage for items owned by the landlord, kitchen equipment and laundry facilities, and liability coverage. The rental property owner can also add coverage for loss of rental income should the property be damaged due to a covered loss, and the tenant cannot reside at the property and, therefore, not pay their rent. Rental property insurance policies can be written as personal insurance, added to your current homeowner's policy, or on a business insurance policy. Who needs rental property insurance? Anyone who owns a rental property needs to have rental property insurance to protect your investment from covered losses. It also protects your liability should a tenant or others put forward a claim against you due to negligence, mishaps, or accidents as the landlord and property owner. Most banks or mortgage lenders will require a rental property to be insured before offering a mortgage. Who pays insurance on a rental property? The owner of the property is responsible for payment of the insurance on the rental property and is the named insured on the investment property policy documents. It is prudent that the owner ensures that tenants also have their own insurance to protect the tenant’s personal contents and personal liability. Many times this requirement is included...

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- Published: 2020-06-05
- Modified: 2024-09-27
- URL: https://staging.morisoninsurance.ca/news/renters-insurance-everything-you-need-to-know/
- Categories: Insurance Tips

What is renters insurance? Renters insurance, also known as tenant insurance, rental property insurance, and home renters insurance, protects your contents and belongings in the event of an insured peril, such as theft, vandalism, or fire. Liability coverage is also part of rental property insurance. It protects renters in case of bodily injury suffered by others and damage to others' property while at their rental property. Renters insurance is similar to home insurance, however, it does not cover the physical building in which renters have their rental units. Your landlord will likely have insurance coverage for this. Who needs renters insurance? Anyone who is renting or leasing residential premises should have renters insurance. Renters of apartments, condos, homes, and university and college residence accommodations should have renters insurance. Renters insurance will protect personal property, liability, and additional living expenses coverage for the renter. Why Do I Need Renters Insurance? Renters should have renters insurance to protect their belongings and their liability exposure in case of unforeseen losses. Losses can include water damage, fire, vandalism, theft, and other events. The liability coverage portion of renters insurance protects renters if someone is injured while at the renters' premises. An example of this may be if someone slips and sustains a bodily injury while in your rental home. If the injured person takes legal action, the renter of the premises may be found liable and be required to pay damages. Rental property insurance can protect the renter in terms of legal costs and...

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- Published: 2020-04-09
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/news/benefits-of-an-insurance-broker/
- Categories: Insurance Broker, Insurance Tips

Insurance Broker Benefits Suppose you are looking for new types of insurance coverage or need some help and advice on revamping your existing coverage to suit your needs and lifestyle better. In that case, you may wonder if working with an insurance broker is right for you. Some great insurance broker benefits are worth considering before you decide. Check out these key benefits of using an insurance broker at Morison Insurance. What Is An Insurance Broker? An insurance broker is a professional who provides insurance to meet customers' needs and provides professional advice and ongoing service whenever required. Brokers' services are free and can save you time, money, and worry. One of insurance brokers' most significant benefits is using their skills and knowledge to help customers get insurance that delivers excellent value and peace of mind protection. Insurance brokers find insurance for individuals, families, business owners, and organizations by getting quotes from numerous insurance companies. Insurance brokers can look after most of your insurance needs. Brokers sell all types of insurance—home, auto, recreational, seasonal home, business, farm, life insurance, and more. How Do Insurance Brokers Work? When you contact an insurance broker, the broker will ask what kind of insurance you are looking for and a series of questions to determine your insurance needs. The insurance broker will provide you with several competitive quotes and protection options from insurance companies across Ontario. Insurance brokers will help you assess your risk exposures and determine how to best protect you. They will...

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- Published: 2020-02-28
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/news/ontario-car-insurance-companies/
- Categories: Auto Insurance

Key Takeaways With over 100 insurance companies in Ontario, it's crucial to compare options based on coverage, prices, reputation, and available discounts to find the best car insurance companies for your needs. All motorists in Ontario are required to have vehicle insurance that includes mandatory coverages, such as third-party liability and accident benefits, with severe penalties for non-compliance. Utilizing an insurance broker can simplify the process of obtaining quotes and provide personalized advice, ensuring that customers get the best policy suited to their requirements. It's important to examine what each auto insurance policy covers and assess the value of coverage offered, as low premiums may come with insufficient protection. Many insurance companies provide various discounts that can significantly lower insurance costs, making it essential for customers to inquire about available savings. Morison Insurance brokers can help navigate the claims process, ensuring that customers receive timely support and guidance during potentially stressful situations. When considering a change in car insurance providers, customers should consult an insurance broker to ensure a smooth transition and avoid penalties, while comparing similar coverage options to find a better deal. Find Out More About the Best Car Insurance Companies Ontario Has to Offer Auto insurance is a must in Ontario. All motorists in the province are required by law to have vehicle insurance, and there are severe penalties for not having it. There are several auto insurance coverages that every driver is required by law to have in Ontario. The mandatory coverages on a standard auto...

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- Published: 2020-02-12
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/news/car-insurance-for-clean-driving-record/
- Categories: Auto Insurance

Car Insurance For Clean Driving Record Are you a good driver? Do you also feel like you're paying high insurance rates because of other people's bad driving habits? Do you want to know how you could lower your car insurance and have more control over your premium? Or maybe you're a driver with a less-than-perfect driving record, but you want to learn how you can improve your record to help lower your auto insurance rates. If either of these scenarios describes your situation, this article is for you. We will focus on two things: How having a clean driving record can reduce your auto insurance costs, and tips for driving more safely. Here is the bottom line: Good Drivers Save on Car Insurance A recent survey found 95% of Canadians consider themselves good drivers. But can that really be true? Let's say it's questionable. The same study found 93% of Canadians admitted to at least one bad driving behaviour. Among the riskiest behaviours mentioned by survey respondents were driving under the influence, distracted driving and fatigue. We all know poor driving behaviours make driving riskier. And we all want to be as safe as possible. We want safety for ourselves, our families, our friends, and everyone. Reducing bad driving habits is an excellent goal for all drivers. If we all drive more safely, we can all benefit. Do you know there are additional benefits to being a safe driver? They have to do with saving money. If you are a...

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- Published: 2019-12-19
- Modified: 2025-01-27
- URL: https://staging.morisoninsurance.ca/news/home-alarm-insurance-discount/
- Categories: Home Insurance

Home Alarm Insurance Discount When you think of your home, what comes to mind? Relaxing on a comfy couch watching your favorite show? Loving a terrific renovation you just finished? Chilling and grilling in your backyard? Now, what does your home mean to you emotionally? Comfort? Privacy? Safety? Security? For sure, our homes are our personal spaces. They are our bunker in a sometimes stressful world. Our let-your-hair-down, relax and enjoy places. These feelings of safety and security in our homes are important to our happiness, our well-being and our quality of life. In Canada we are very fortunate. Our country, when measured against others around the globe, is very safe. Our crime rate is low compared to other countries (1. 6 incidents per 100,000 in Canada. The United States has 4. 5 per 100,000, notes safearound. com). In fact, the 2017 Global Peace Index ranked Canada the eighth safest of 163 countries surveyed. Despite these stats, it’s still important to be aware of how we can keep our homes safe to ensure the safety of our families and our possessions. This is where home security systems can be helpful. They can bring greater peace of mind by improving your security and safety in your home. You may also qualify for the home alarm insurance discount which can help you save on your home insurance. Let's get into that now! What is the home alarm insurance discount? The home alarm discount is a home insurance discount that is applied to...

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- Published: 2019-11-22
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/news/home-insurance-in-ontario/
- Categories: Home Insurance

What Is Home Insurance In Ontario? Home insurance is protection for losses to your home, property and possessions. It includes liability protection if someone is accidentally injured while on your premises. Is Home Insurance Mandatory In Ontario? Home insurance is not mandatory in Ontario, however, it provides protection for your single largest investment, your home, so that if in the event of a loss, you are not required to pay out of pocket. Why It's Good To Have Home Insurance Example 1: You’re cooking dinner and a fire starts on the stove. Your kitchen is badly damaged and so is the entire main floor of your home. The repair costs will be many tens of thousands of dollars. Without home insurance you will have to cover the entire cost of repairs yourself. Wow! It quickly becomes clear why Ontario home insurance – which often costs about $800 to $3,200 annually for most homes – is good to have. Example 2: You have a diamond ring that’s worth $50,000 and someone breaks into your home and steals it. With the right home insurance, you can be covered for this loss. If, however, you have not obtained expert advice about jewellery coverage limits on most home insurance policies, you may find your ring is only insured to a limited amount. You could be left without enough coverage for your ring. You may only get $6,000, which is the usual limit on homeowner’s insurance if you haven’t purchased extra coverage. Both of these...

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- Published: 2019-09-27
- Modified: 2025-03-11
- URL: https://staging.morisoninsurance.ca/news/10-common-car-insurance-myths-debunked/
- Categories: Auto Insurance

Let's Get You The Facts About These Car Insurance Myths There are so many car insurance myths out there and sometimes it can be hard to determine what is true and what is not. It is important to be informed about insurance as it is all about your protection and, frankly, what is more important than that? Here are 10 of the most common car insurance myths answered by insurance brokers (and 2 bonus myths if you make it all the way to the bottom). 1. Do Parking Tickets Affect My Car Insurance Premium? Parking tickets do not affect your car insurance premium. When you are getting an insurance quote for your vehicle, insurance companies do not know whether you have one, 10, or more parking tickets. Parking tickets do not appear on the details that insurance companies review when determining your insurance premium. Be aware, however, that unpaid parking tickets can cause you problems when you want to renew the plates for your vehicle. When you renew your licence plate, you will have to pay any outstanding parking fines before you will receive the renewal. 2. Do Parking Tickets Affect My Demerit Points? No. Parking tickets do not incur demerit points. There are, however, other traffic violations, such as speeding, which, if you are convicted, will result in demerit points. Ontario’s Ministry of Transportation is a great resource if you're looking for a full explanation on demerit points and, by the way, for those who travel by car and...

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- Published: 2019-09-11
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/why-lowest-premium-doesnt-equal-the-best-insurance-coverage/
- Categories: Insurance Tips

What Is The Best Insurance Coverage? The best insurance coverage provides insurance protection and has you prepared for life’s “what ifs” before a loss. This means that the best insurance coverage is personal – tailored to you. It also means you should discuss your protection needs with an insurance broker before you buy to make sure you are getting the best insurance coverage for your insurance needs. In fact, the most expensive insurance you’ll ever buy may well be the policy with the lowest price. By this we mean that the lowest priced policies may not include the insurance coverage you may need in the event of a claim. If you don’t have the right insurance and you have a claim that is not covered or your losses exceed your coverage, you will have to pay for the losses yourself and this can be very expensive. Marci, An Insurance Broker At Morison, Explains The Value Of Having The Best Insurance Coverage: “As conscientious consumers it doesn’t sit well with us when we pay more for a product than we feel we should. The price of the products we purchase is very important to us. It is easy to qualify what we are getting for our money’s worth with tangible products. If different companies are offering the exact same product with the exact same features, it is natural for us to purchase it from the company with the lowest price. However, when it comes to insurance, we should not test our...

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- Published: 2019-08-02
- Modified: 2025-06-17
- URL: https://staging.morisoninsurance.ca/news/choosing-the-right-home-and-auto-insurance-brokers/
- Categories: Insurance Broker

Why Should I Work With Home And Auto Insurance Brokers? There are many benefits to working with brokers who specialize in home insurance and auto insurance. From their range of products to their extensive knowledge and training, experienced brokers will advocate for you to get the best coverage at the most affordable rate. As a customer looking to get bundled home and auto insurance, when you work with a licenced broker, you will receive expert advice and personalized service. In addition, you will also receive many great coverage options. Not to mention, a broker will likely let you know of any potential discounts that you qualify for, which will help you get the best quote possible. Who Do Home And Auto Insurance Brokers Represent? Brokers represent both you, their client, and general insurance companies. Brokers do not represent only one side. Insurance companies provide homeowners insurance (including condo insurance and tenant insurance) and auto coverage. Brokers contact these companies to obtain coverage for their clients. There are many of these companies, also known as property and casualty insurance companies, across Canada. General insurance companies provide all types of protection except life and health coverage. Categories of general insurance include auto, property (personal and business properties), business and liability. Insurance is all about protection: managing risk and providing compensation in the event of a loss. Some coverage is required by law, such as auto insurance. Others, such as home insurance, while not mandatory, are strongly recommended, as they financially protect your...

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- Published: 2019-06-14
- Modified: 2021-04-16
- URL: https://staging.morisoninsurance.ca/news/how-to-leave-an-online-review/
- Categories: Insurance Broker

How Do I Leave An Online Review For My Insurance Broker? Leaving an online review is easy! Leave your insurance broker a review on Google, Facebook and Yellow Pages by following these simple steps outlined below. How To Leave A Review On Google Step 1: Sign In To Google In order to leave a Google review for a business, you must have a Google account (Gmail email addresses are considered Google accounts – so if you have a Gmail address, you should be set! ). Be sure to sign into your Google account or simply create an account. Step 2: Find The Business Search the business you want to review on www. google. ca. You can even narrow it down to the specific location you were dealing with simply by adding the city in your search. Once you press search you will see the business listing on the right-hand side. This is where you will be able to see the business' contact information, directions to their location, operating hours, but most importantly – their reviews! Step 3: Posting The Review Once you find the business listing and click on their reviews. This is where you will be able to view all of the reviews they have received. To leave a review click on the blue button that says “Write a review. ” Once you have clicked “write a review” you will be directed to a pop-up that lets you write your review. This is where you can choose the number...

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- Published: 2019-06-12
- Modified: 2023-04-04
- URL: https://staging.morisoninsurance.ca/news/what-makes-the-best-insurance-brokers/
- Categories: Insurance Broker

Why You Should Get Insurance From The Best Insurance Brokers When you use the services of the best insurance brokers you are getting the best of everything. Top rated insurance brokers provide first-in-class insurance products and services, a choice of insurance products and competitive prices. In addition to these things, their focus is entirely on you, the customer. What Are Some Tips For Choosing The Best Insurance Brokers? Keep the following in mind. Award-winning insurance brokers: Provide excellent insurance coverage and protection Provide good value for your insurance dollar Shop at several insurance companies for competitive prices Provide outstanding customer service Develop relationships with their customers Have professional and well-trained brokers What Is An Insurance Broker? An insurance broker is a trained professional who is licenced to sell insurance in the province of Ontario. Top rated insurance brokers are well trained, caring and eager to provide you with competitively priced insurance coverage to be sure you are properly protected in case of a loss. Who Do The Best Insurance Brokers Represent? Insurance brokers represent the customer. They have the customer’s best interests at heart and the customer’s needs are their complete focus. The best insurance brokers also sell the products of many insurance companies across Canada. This ensures the customer gets several ‘prices’ for their insurance and is able to choose from a variety of coverage options and money-saving discounts for which they qualify. What Is The Difference Between Insurance Brokers And Insurance Agents? The main difference between insurance brokers...

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- Published: 2019-06-03
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/new-build-home-insurance-what-you-need-to-know/
- Categories: Home Insurance

New Build Home Insurance And Condo Insurance Congrats! You are a new home or condo owner. This is a super-exciting time! There are so many things to look forward to. Everything in your new home will be fresh and new, and ready for you to enjoy. You have made decisions on so many things – from paint colours to floor tiles to ... well, like we said, pretty much everything. You have made choices that suit your needs, your lifestyle and your budget. When it comes to new build home insurance, it is important that you get the best fit too. Insurance is definitely not a one-size-fits-all purchase. Talk To A New Build Home Insurance Specialist Your best bet is to talk to an insurance broker who can shop at dozens of insurance companies to get you the new build home insurance protection you need at a great price. Insurance brokers are trained insurance experts who work for you. We do not work for insurance companies. Our commitment to you is to get Canadian insurance companies competing for your business. This is exactly what we do at Morison Insurance: We get dozens of companies to provide competitive quotes, and we get you the insurance that covers your unique requirements at the best price possible. Morison Insurance Is The Exclusive Provider Of New Build Home Insurance There is, however, a substantial difference that sets Morison Insurance ahead of other insurance brokers when it comes to new build home insurance or new...

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- Published: 2019-04-01
- Modified: 2023-04-04
- URL: https://staging.morisoninsurance.ca/news/broker-vs-agent-whats-the-difference/
- Categories: Insurance Broker

What's the Difference Between a Broker and an Insurance Agent? If you've been shopping around, looking for the best insurance options for your home, vehicle and other assets, you've probably noticed a vast array of choices out there—and not least of all is the conundrum of insurance broker vs. insurance agent. There's a lot of misunderstanding about what those two roles entail, and many people are unaware that there's even a difference. But when it comes to the question of broker vs. agent, understanding the distinctions between them and choosing the right option for your particular needs can mean the difference between getting the ideal coverage you need for protection against financial loss or ending up with an insurance package that doesn't address your specific requirements for coverage. That's why it's essential to clearly understand the full insurance broker vs. insurance agent picture before you decide. What is an Insurance Broker? An insurance broker is a type of insurance professional who represents individuals or businesses that need insurance coverage. Rather than promoting the products and interests of one or multiple insurance companies, insurance brokers have a fiduciary duty to their customers. That means they are obligated to act in the best interest of their clients. Insurance brokers can be independent or part of a brokerage firm such as Morison Insurance. Because brokers don't work for insurance companies, they can't bind insurers into a contract without going through a representative of the insurance company. When it comes down to insurance broker...

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- Published: 2019-03-01
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/why-is-auto-insurance-so-expensive/
- Categories: Auto Insurance, Insurance Tips

Analyzing the Rising Cost of Auto Insurance in Ontario Insurance brokers across Ontario have been hearing from customers who are unhappy or concerned that their car insurance rates are rising. We understand your concerns. We are drivers, too! To help you understand why Ontario's auto insurance costs are increasing, how the auto insurance industry is regulated, and—most importantly—what you can do to keep your car insurance costs as low as possible, we have prepared this blog with many helpful tips to help keep your car insurance rates as low as possible. What Should I Know About Ontario's Auto Insurance Industry? In Ontario, automobile insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA), an independent regulatory agency. FSRA replaced the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO) in 2019. On its website, FSRA states that it was created to improve consumer and pension plan beneficiary protections in Ontario. In Ontario, motorists are required by law to have car insurance. If you do not have auto insurance, the owner of a vehicle, lessees, and drivers without valid auto insurance can be fined from $5,000 to $50,000. If you drive without proper car insurance, your driver's licence may be suspended and your vehicle impounded. If a driver is convicted of driving without car insurance, the insurance company may charge a higher premium or refuse to sell the driver insurance altogether. Also, if you are injured in an accident while driving or in a...

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- Published: 2019-02-22
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/does-your-homeowners-insurance-cover-your-jewellery/
- Categories: Home Insurance

It is a common assumption that homeowners make. But does your homeowner's insurance automatically cover your jewellery? The best person to answer that question is your insurance broker. It is possible that the value of your jewellery falls within the coverage limits of your policy. However, it is best to know upfront what is covered and what is not as well as the requirements your insurance company may have for filing a claim involving jewelry. For example, certain insurance companies require proper documentation on the value of your jewelry before they will pay a claim. If this is the case with your policy, it is important to obtain an appraisal now and file it somewhere safe. Jewellers will typically provide a free appraisal when you purchase your jewelry so be sure to ask. If you have certain jewellery pieces that are of significant value, such as an engagement and/or wedding ring, it is recommend that you add them to your policy as a scheduled article. In order to schedule a jewellery item on your policy, the insurance company will require a recent appraisal to confirm the value. The main benefits of scheduling a jewellery item are that it increases coverage limits, provides broader protection and there is no deductible applied in the event of a claim. Many insurance companies cover jewellery under a blanket coverage policy, which covers multiple types of valuables under one policy (i. e. jewellery, antiques, artwork, furniture etc. ). If you have this type of coverage,...

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- Published: 2019-01-02
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/distracted-driving-laws-in-ontario/
- Categories: Auto Insurance

Distracted Driving Laws in Ontario – Effective January 1, 2019 The new Distracted Driving Laws in Ontario are in effect January 1, 2019 and the penalties are going up! When you aren’t focused on the road, things can happen - FAST Many of us know that using your hand-held device while driving is illegal. However, there are many unanswered questions like; can I take a sip of my coffee while driving? Or can I change the radio station? Here are some things you need to know about the new Distracted Driving Laws to ensure we keep our roads safe. What is considered distracted driving? Talking, texting, switching playlists, checking maps, reading books or documents, or simply holding onto a hand-held device is considered illegal. Touching, holding or manipulating any device while driving or stopped at a stop light is considered distracted driving and you can be fined. The driver must be pulled off the road and not impeding traffic, or legally parked to use their hand-held device. If you have a cell phone with an earpiece, headset or Bluetooth using voice-activated dialing, you can use it only to activate or deactivate “hands-free” functions provided that the device is mounted or secured. The same goes with a GPS. You cannot scroll through your contacts, dial from your phone or input a destination– this is considered illegal. While eating, taking a sip of coffee, changing the radio station and smoking a cigarette are not considered illegal, they are still considered distractions while...

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- Published: 2018-12-14
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/protect-your-property-when-you-are-travelling/
- Categories: Home Insurance

Protecting Your Property While You Are Travelling When winter winds blow, many of us turn our minds to a winter getaway – a warm and sun-drenched locale where we can spend time relaxing and escaping from the snow and cold temperatures. Maybe you are a snowbird travelling south for part, most, or all of the Canadian winter. Or maybe you are planning a winter retreat for a week or so with family or a favorite someone. While you are away you will want to make sure that your property is properly protected. Before you leave for an extended vacation, it’s important to have a conversation with your Morison Insurance broker about your home insurance and auto insurance coverage prior to your departure. Let your broker know your plans and the length of time that you plan on being away. Some insurance policies have a restriction on the length of time that you are able to be away from your home and still remain protected. It is important to know what your insurance company will require from you so that your coverage is not jeopardized. Some Important things to discuss and consider: Protecting your home from water damage! Before you leave for vacation, shut off your water completely and then turn on any taps and flush the toilets to drain any excess water. Taking this precaution will prevent your pipes from freezing or flooding causing damage to your home. Make arrangements for someone you trust to periodically check on your home...

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- Published: 2018-09-19
- Modified: 2021-09-17
- URL: https://staging.morisoninsurance.ca/news/personal-umbrella-coverage/
- Categories: Insurance Tips

Umbrella coverage is an extension of your existing home, cottage, rental, watercraft or auto insurance policies. It would cover you if you are ever faced with a claim or lawsuit that surpasses your standard limit on the primary policies.

Personal Umbrella Coverage Explained Umbrella coverage is an extension of your existing home, cottage, rental, watercraft or auto insurance policies. It would cover you if you are ever faced with a claim or lawsuit that surpasses your standard limit on the primary policies. When you purchase insurance, your policy will include a specific limit of liability coverage, normally $1,000,000 or $2,000,000. This amount may not always be enough to cover you. For example, if you are driving and hit a motorcyclist, causing permanent life threatening injuries you probably will find yourself in a lawsuit. If you had $2,000,000 limits on your auto policy and are sued for $3,000,000 you would personally be responsible for $1,000,000. Umbrella insurance would cover the remaining amount. This can also be especially beneficial for anyone who is active in their community, volunteers, or is a director of a non-profit organization. The cost for an Umbrella policy usually starts around $100, depending on your underlying risks & needs. Umbrella coverage will provide worldwide coverage, personal injury coverage including libel, slander, defamation of character and unlimited legal defense costs. The basic coverage usually includes 2 Canadian residences, 2 automobiles and one watercraft (depending on length and horse power of the boat). There are more than 200 companies that provide insurance to Canadians, each offering its own unique coverage. It can be confusing to compare different insurance products, which is why an independent insurance broker can be your best ally. Our brokers at Morison Insurance are licensed professionals...

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- Published: 2018-09-13
- Modified: 2025-05-09
- URL: https://staging.morisoninsurance.ca/news/prepare-home-wind-storm/
- Categories: Home Insurance

On May 4, 2018 Ontario was hit with a wind storm that caused $380 Million dollars in damages, according to the Insurance Bureau of Canada. Shingles were blown off of roofs, trees toppled, fences knocked down, and power was out for thousands.

Wind Storm Preparation Guide As many will recall, on May 4, 2018 Ontario was hit with a wind storm that caused $380 Million dollars in damages, according to the Insurance Bureau of Canada. Shingles were blown off of roofs, trees toppled, fences knocked down, and power was out for thousands. When a wind storm warning is issued, there are steps that a homeowner can take in order to prevent a loss. 1. Regularly make it a point to inspect your roof; Are any shingles loose or missing? Replace any loose or lifting shingles promptly. Consider having your roof inspected by a professional annually. 2. Secure any loose objects such as patio furniture, trampolines, and children's toys. 3. Keep an eye out for dead or dying trees as they are more likely to crack or blow over. 4. Avoid parking your vehicle under trees. Park your vehicle in a garage if you have the option as vehicles parked in the driveway or on the street are more likely to be struck by flying shingles or branches. 5. Repair and reinforce any loose posts or sections of fence on your property. 6. Have an emergency kit prepared. Ensure there are flashlights, food, and water available for all members of your household. Once a wind storm has occurred and the storm has passed, inspect the outside of your home as well as the inside. If you discover that your roof is missing shingles, it may be in your best interest to contact a...

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- Published: 2018-08-29
- Modified: 2025-04-23
- URL: https://staging.morisoninsurance.ca/news/back-to-school-savings/
- Categories: Insurance Tips

As summer holidays have come to an end, it’s time for back to school. Kids everywhere are starting a new year of education. The older ones have moved out to study abroad, far from your home.

Insurance Savings And Tips For Students Going Back To School As the summer holidays come to an end, it's time to go back to school. Kids everywhere are starting a new year of education. The older ones have moved out to study at college or university, possibly far from your home. It's natural for parents to worry about kids in their late teens and early twenties who are leaving the nest to head back to school to enjoy their post-secondary education. Still, insurance coverage for the newly-minted adult in the family is often overlooked in the excitement of packing up, buying textbooks and decorating a dorm room. The good news is, making sure your college-aged children have the insurance coverage necessary to see them through their first few years back to school isn't as complicated as you might think. In many cases, they are still considered a part of your household even while living outside your physical house, and the insurance coverage you, as their parents, hold will apply to them just like it did when they were living under your roof. Of course, there are a few caveats to having your back-to-school children covered under your insurance, but there are also some potential benefits in the form of savings that may apply to your family. At this point, you may have questions about the ins and outs of ensuring that your kids heading back to school are protected with the right home, contents and auto insurance coverages. Contact the...

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- Published: 2018-08-01
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/vacant-dwelling/
- Categories: Home Insurance

A dwelling will be deemed vacant when its occupants have left and do not have any intention of returning. It may also be a new dwelling that you have not yet moved into or that you are renting out and currently does not have any tenants.

What is a vacant dwelling? A dwelling will be deemed vacant when its occupants have left and do not have any intention of returning. It may also be a new dwelling that you have not yet moved into or that you are renting out and currently does not have any tenants. A dwelling may still be furnished and be considered vacant. Why is it so critical for my insurance broker to know that my property is vacant? It is very important that you contact your insurance broker as soon as possible because there are some coverage’s that no longer apply once a dwelling becomes vacant. Most insurance companies will only insure a vacant property for up to 30 days. A vacancy permit is required after that period of time. If you have a Comprehensive Homeowners or Broad Form policy it would be changed. A vacancy permit will limit or reduce coverage as a result of the new status of the home. Coverage will be restricted to the basics like fire and eliminate important coverage like water damage, among others. The change of coverage is due to the fact that insurance companies see a higher risk when a home is not occupied. The vacancy permit can potentially increase your premium or require you to pay a higher deductible in the event of a loss. If you do not have a vacancy permit then your home may become completely uninsured and any loss that occurs during the time of vacancy will be...

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- Published: 2018-07-27
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/occasional-drivers-insurance/
- Categories: Auto Insurance

Your son or daughter has passed their G2 driving test and will now be using your car occasionally on their own. With this milestone you want to make sure they are protected as much as possible.

Occasional Drivers Insurance for "Part-time" Drivers Your son or daughter has passed their G2 driving test and will now be using your car occasionally on their own. With this milestone, you want to make sure they are protected as much as possible. Do you know what is needed regarding insurance now that your son or daughter is driving your car occasionally? You are required by your insurance company to advise us of all licensed drivers who reside in your household. Most insurance companies offer a reduced premium to young drivers who have taken a certified driver education course. The auto insurance discount is a good incentive to take the training, but it also gives new drivers the best chance at maintaining a good driving record by starting with good driving habits. Driver History Form, obtained by you from Service Ontario, will provide your insurance company with the necessary confirmation that the driver training has been completed. Once your young driver is on your policy, they start gaining insurance history. Some years from now when it’s time for the occasional driver to get their own vehicle and become a principal operator, they will have driving experience which would benefit their premium. If you don’t want to pay the additional premium or your child will not be driving your car, you have the option to “Exclude” them as a driver. The Excluded Driver form is to be signed by both the policyholder (named insured) and the excluded driver. If the excluded driver...

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- Published: 2018-07-19
- Modified: 2023-07-05
- URL: https://staging.morisoninsurance.ca/news/tips-beat-heat-control-hydro-costs/
- Categories: Home Insurance, Insurance Tips

The summer heat is here. Here are some tips to keep you cool while also keeping your hydro costs in check. Ceiling fans can help to keep you cool for less than the cost of air conditioning.

Keeping Your House Cool In The Summer Can Be A Challenge Summer is many people's favourite season. The kids are off school, the weather is clear, people are on vacation, and oh boy, is it ever hot. Very hot. When you're outside, the heat can be great on many days. You can wear a t-shirt and shorts, the beach is ready for you, and you can even lie down in the sun and relax all day just because you feel like it. However, the heat can be a downer when you're inside. You're just trying to read a book, watch a movie or play a game with your kids, and strangely it feels hotter and muggier inside than it does outside. Somehow, sitting on a couch watching football, it feels like you're sweating almost as much as you would be if you were out on the field playing the game yourself. Initially, you figure the heat isn't much of a problem, as you crank up the air-conditioning, and within fifteen minutes, everyone at home suddenly feels much better. After doing this for a whole month, you wonder what the big deal was about the heat in the first place, and then you see your hydro bill, and you get so scared of how much you owe that Halloween this year won't be able to compare. How do you reduce your hydro bill while also keeping cool this year? 10 Ways To Reduce Hydro In The Summer After the scare that...

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- Published: 2018-07-11
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/special-event-liability-coverage/
- Categories: Insurance Tips

Are you planning on hosting a party, wedding or another event? Will you be hosting an event that alcohol will be served, or an event that is hosted in a publicly owned building? You may require special event liability.

Event Liability Coverage for Special Events Are you planning on hosting a party, wedding or another event? Will you be hosting an event that alcohol will be served, or an event that is hosted in a publicly owned building? You may require special event liability. Special event liability is also a requirement of the county or city that owns the building and they often request to be listed as an additional insured. It is also recommended that coverage be in place at least 30 days before your event will take place to prevent any issues with the hall rental. If you will be serving alcohol or if it is consumed at the event you are hosting you should also have host liquor liability. This will cover you in the event that someone is injured or negligent after they have consumed alcohol at the event. You could even be liable if a guest leaves the event and does something negligent that results in bodily injury or property damage. There are many different types of events that coverage can be purchased, whether they are single day events or multi-day events. Some event examples are music festivals/concerts, conventions, dances, craft shows, graduation parties or even family reunions. This can also include sporting events that require participant liability coverage. Participant liability covers the host of the sporting event if there is a lawsuit due to someone being injured while engaging in the sporting event. Thinking of hosting an event? Call one of our brokers...

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- Published: 2018-07-06
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/windshield-damage/
- Categories: Auto Insurance

Every driver has experienced some sort of windshield damage while behind the wheel. Regardless of where you are, debris is everywhere - whether you’re driving on a busy road, driving through a construction site, or parked under a tree.

What to do with Windshield Damage Every driver has experienced some sort of windshield damage while behind the wheel. Regardless of where you are, debris is everywhere - whether you’re driving on a busy road, driving through a construction site, or parked under a tree. More often than not you’re driving down a busy road and either the car you’re following behind, or a car in passing throws a stone that chips or cracks your windshield. Most people’s first thought is “now what do I do? ” First of all the severity of the damage needs to be accessed. Generally, the damage is minimal and you see a tiny crack, or a small round cluster of little cracks. As long the crack did not penetrate through the glass completely, the windshield is generally fixable. If the crack is longer than 4-5 inches, or penetrates through the glass completely, the windshield will unfortunately have to be replaced. If the windshield is fixable, the repair process is actually quite quick and simple, which many people are unaware of. If you carry comprehensive coverage on the damaged vehicle, you can simply bring your vehicle to any glass expert such as Apple Auto Glass or Speedy Auto Glass for repairs. The glass experts will confirm with you if the windshield is repairable, or if it must be replaced all together. If repairable, they will confirm your car insurance with you - as long as you have your pink liability card you have all the...

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- Published: 2018-06-22
- Modified: 2019-12-18
- URL: https://staging.morisoninsurance.ca/news/road-trip-ideas-tips-summer-2018/
- Categories: Insurance Tips

The summer months are a great time for a road trip. Pack the family in the car and head off to parks, museums, festivals and other Ontario happenings and destinations.

Best Summer Road Trip Ideas & Tips The summer months are a great time for a road trip. Pack the family in the car and head off to parks, museums, festivals and other Ontario happenings and destinations. We search summer road trips in Ontario and there is no shortage of places to go and things to do. Get away from it all at a park, hike, picnic, explore. Or choose a place in one of our cities where you can go to a concert, visit a museum, attend a community festival. But before you head out, we have gathered a few tips to help ensure your family's outing is successful, fun and safe. Select your destination(s) and make sure it offers fun for everyone on the trip. Make sure the trip fits your budget and map out your route. Make sure your vehicle is road-trip ready. If you are going for several days, you may want to book hotels or motels ahead of time. more planning can mean more fun and less stress. Will you be on the road for hours reaching your destination or between destinations? If yes, plan some activities to keep children busy. Maybe they want to listen to music or watch a movie. Packing crayons and a colouring book, books to read, favorite toys or other items is always a good idea. Many adults will remember counting telephone poles or cars or something else to help pass the miles and the hours. Singing some favorite songs...

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- Published: 2018-06-12
- Modified: 2021-09-15
- URL: https://staging.morisoninsurance.ca/news/protect-your-boat/
- Categories: Insurance Tips

If you’re among those who are lucky enough to own your own boat, you know that it’s a rewarding, yet often pricey investment. Really, we should think about owning and protecting a boat the same way as we do a car.

Boat Insurance Facts If you’re among those who are lucky enough to own your own boat, you know that it’s a rewarding, yet often pricey investment. Really, we should think about owning and protecting a boat the same way as we do a car. That’s why it’s crucial to have boat insurance coverage. Here are some important things to know: Often, watercraft like canoes, kayaks or paddle boats - essentially any small craft without a motor - can potentially be rolled into your home insurance or cottage insurance. For larger boats with bigger motors, and personal watercraft vehicles (PWC), i. e. Jet-Ski or Seadoo, insurance is highly recommended. Most policies can cover the boat itself, as well as additional equipment, like the motor, trailers, and on board equipment like GPS systems. Though boat insurance is not required by law in Canada, not only will having insurance give you piece of mind, it can protect you in case of the following Liability coverage for injury to passengers on board, tubers or skiers being towed or others in the water or aboard other watercraft Damage to the boat, theft or loss of attached equipment Damage caused by your oat/watercraft on someone else's property A wide range of factors will affect your boating insurance policy. These can include things like the size of the boat; its value; the lake or location that you use it on; the size of the motor, and more. Your policy may also only cover the boat within a...

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- Published: 2018-05-29
- Modified: 2023-04-04
- URL: https://staging.morisoninsurance.ca/news/non-owned-automobile-insurance/
- Categories: Insurance Tips

Business owners are well aware of the importance of insurance protection for their owned vehicles. Insurance coverage is important to have when an employee driving a company vehicle causes an accident leading to bodily injury or property damage.

About Non-Owned Automobile Insurance Business owners are well aware of the importance of insurance protection for their owned vehicles. Insurance coverage is important to have when an employee driving a company vehicle causes an accident leading to bodily injury or property damage. However are business owners equally aware that they may be responsible for the actions of their employee driving non-owned vehicles? Some of those situations can include: An employee driving their own vehicle and running an errand for the company Use of an employee’s vehicle to deliver pizza for a pizzeria The rental of a bus by a religious institution for a church event Courts of law have held that an employer is liable for the employee’s careless or negligent acts when an employee is engaged in the duties required by their employers business. This responsibility extends to non-owned vehicles used by employees on an employer’s behalf. The insurance industry has responded to this exposure; Non-owned Automobile insurance is designed to protect individuals and commercial organizations from actions brought against them as a result of the use of operation of automobile or trailers not owned by them. Most commercial insurance policies include Non-Owned Automobile insurance coverage as part of the policy. Coverage is a separate policy addendum usually included in the Commercial General Liability section of the policy. Coverage is included for a nominal additional premium. The limit of liability is generally the same as the Commercial General Liability occurrence limit. Non-Owned Automobile coverage is or can be subject...

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- Published: 2018-05-29
- Modified: 2021-10-06
- URL: https://staging.morisoninsurance.ca/news/15-factors-that-affect-home-insurance-premiums/
- Categories: Home Insurance

Do you ever wonder what factors insurance companies use to determine premiums for property insurance? Read this for ten factors that could affect your premium.

This article is designed to provide you with information on factors that could affect your home insurance premium, and tips on how you can potentially lower your home insurance cost. But before that... let’s just make sure we all know what a home insurance premium is and how it is calculated. What is a home insurance premium? Your home insurance premium is the amount you pay to an insurance company to insure your home. Your home insurance premium is generally calculated for a one year term, and can be paid monthly, at determined periods, or in a one-time payment. How are home insurance premiums calculated? Home insurance premiums are calculated based on several factors, each of which rates your risk of having an insured loss. Some of the factors that determine a home insurance premium include: where your home is located, its replacement cost, the age of plumbing and electrical services in the house, condition of the roof, distance from a fire hall or fire hydrant, your claims history and your insurance history. So... What are some key factors that can affect home insurance premiums? The cost of your home insurance is dependent on many different things. Below we have outlined 15 key factors that could affect your home insurance premium. 1. Continuous property insurance The amount of time a person has continuous home insurance without any claims can lower their home insurance premium. Having continuous home insurance (with no claims) shows the insurance company you are willing to manage...

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- Published: 2018-05-16
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/tickets/
- Categories: Auto Insurance

Have you ever been pulled over by a police officer and been told that the ticket he’s about to give you won’t affect your Insurance? Unfortunately, most times that officer will be wrong.

Tickets and Automobile Insurance Have you ever been pulled over by a police officer and been told that the ticket he’s about to give you won’t affect your Insurance? Unfortunately, most times that officer will be wrong. There are three classifications of tickets that will impact your auto insurance premiums; minor, major and serious. Here are some examples listed below; Minor Speeding Failure to carry an insurance card Failure to use seatbelts Unsafe move Stop sign or traffic light infraction Major Distracted driving False statement of insurance Failing to report an accident Failing to stop for an emergency vehicle Violation of license condition Serious/Criminal Careless or dangerous driving Driving while under suspension Driving impaired (blood alcohol level over 0. 08 in Ontario) Speeding 50km over posted speed limit Stunt/drag racing For a minor conviction your biggest increase in premium will be from the loss of a conviction free discount, this can be 15% or more. Most insurance companies will allow up to two minor convictions; once you receive your third your current insurer may not offer you a renewal. Convictions will remain on your record for 3 years from the “conviction date”. If you receive a Major or Serious conviction this can have a severe impact and likely you will have to place coverage with a “non-standard” insurance company. Good driving habits will help you avoid increased insurance premiums, expensive fines and reduces the risk of an accident. Talk to a Morison Insurance broker about a conviction protection endorsement that...

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- Published: 2018-05-09
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/tenants-insurance/
- Categories: Home Insurance

Whether you live in an apartment building, rent a house or a basement apartment, tenants insurance is what you need to protect the belongings you have worked so hard for.

Tenants Insurance Essentials Whether you live in an apartment building, rent a house or a basement apartment, tenants insurance is what you need to protect the belongings you have worked so hard for. The landlords is responsible to insure the building and any contents they own. As a tenant, you are responsible to insure your own personal belongings. Tenants insurance provides protection for your personal belongings in the event of a claim. As you are not insuring a home or dwelling, tenants insurance is usually less expensive than homeowner insurance. Did you know? In the event of a fire if you are forced to evacuate your apartment or rented home/condo, if you have tenants insurance your policy will cover temporary living expenses while your residence is being repaired such as a hotel stay. Did you know? If you have car insurance, by placing your tenants policy with the same company you can save money on both policies as most companies offer discounts for packaging your policies together. Did you know? Previous tenants insurance may also help you get better rates for home insurance in the future as you may be eligible for more discounts such as claims free or a loyalty discount. Contact one of our brokers at Morison Insurance to provide you with a Tenants insurance quote to insure your belongings are protected in the event of a loss. This blog is provided for information only and is not a substitute for professional advice. Please call our Morison Insurance...

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- Published: 2018-04-25
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/save-on-home-insurance/
- Categories: Home Insurance

We are all looking at ways to keep our hard earned money in our pockets. There are many ways to save on your home insurance, from packaging your home and auto insurance together, to increasing your deductible.

Your home is your biggest investment and homeowner's insurance is the best way to ensure that it is properly protected. But did you know that there are ways that you could save on home insurance and still be fully covered? What are ways to save on home insurance? You can save money on home insurance by increasing your deductible, shopping for the best rates, seeking out home insurance discounts, reviewing your policy each year, and much more. To learn the reasons behind why these things can save you money, and to learn even more money-saving tips where you home insurance is concerned, we encourage you to read through the full article. 1. Shop around for the best rates Shopping around for the best insurance rates is a great way to save on home insurance. Accepting the first price can be tempting, but it may not be the best. Your best bet is to compare home insurance rates by getting quotes from an insurance broker who will compare rates and get you good value. An insurance broker will do the shopping for you. Brokers will shop numerous insurance companies to compare home insurance coverages and rates for your individual needs. You can then choose the policy that best fits your budget and offers the insurance protection you want. Getting insurance with a broker is a fast, easy and an effective way to get competitive insurance rates. 2. Increase your deductible Increasing your deductible can help lower your home insurance premium. The...

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- Published: 2018-04-19
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/cyber-coverage/
- Categories: Insurance Tips

Cyber Coverage is an important aspect of insurance that every business requires in the digital era. Regardless of size, any business is vulnerable to a data breach if they keep and store digital information pertaining to their customers.

Business Cyber Coverage Facts Cyber Coverage is an important aspect of insurance that every business requires in the digital era. Regardless of size, any business is vulnerable to a data breach if they keep and store digital information pertaining to their customers. A stolen laptop, lost company phone, computer hackers – are all situations that can lead to a privacy breach that can be costly for a business owner. Business owners are often unaware of the exclusions in a typical Commercial General Liability or Business Interruption policy for cyber losses. In such an event, a privacy breach can cost a business thousands of dollars. Without adequate coverage, a privacy breach can lead to a downfall of a small company that is not able to absorb the costs of handling a breach. It is not only large organizations that are vulnerable to privacy breaches. Statistics show that about 31% of reported breaches involve businesses with less than 100 employees. Also, the Government of Canada has introduced legislation that sets out requirements for notification if an organization were to suffer a data breach that compromised personal data. Cyber policies can provide the following coverages Crisis management Public relations Notifying clients Credit monitoring Investigation Legal support There are also various options for coverage that a business can purchase for Cyber Liability. Having Cyber coverage in place is always a great idea, but preventing a data breach in the first place is the first step. Things you can do to prevent a data breach...

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- Published: 2018-04-11
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/automobile-accident/
- Categories: Auto Insurance

In the event of an automobile accident the last thing you want to worry about is if you are properly covered for all aspects of the accident…sure your car maybe covered but are you and your family properly covered in the event of an injury???

Automobile Accident Coverage In the event of an automobile accident the last thing you want to worry about is if you are properly covered for all aspects of the accident... sure your car maybe covered but are you and your family properly covered in the event of an injury? ? ? Could your family survive losing an income while a member was laid up in hospital? If you make more than $30,000 a year and do not have any private benefits you should be aware that you would only qualify for $400 a week based on 70% of your gross weekly income to pay your household bills. You may want to explore the optional increase limits of up to $600, $800 or $1000 a week so you can maintain your household expenses. If you do have private benefits for both short & long term, ask them how much it will pay you if you are injured and cannot go to work. Where would the extra money come from for injury expenses or permanent disability? The standard benefits for Medical, Rehabilitation & Attendant Care is included in your automobile insurance policy for non-catastrophic injuries up to $65,000, for catastrophic injury with a limit of $1 million and for Minor injuries, which may include injuries such as a soft tissue injury like a pulled muscle or whiplash, this benefit will only pay up to $3,500 for these expenses. The majority of accidents fall under the non-catastrophic injury category where you would be...

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- Published: 2018-04-04
- Modified: 2024-03-19
- URL: https://staging.morisoninsurance.ca/news/home-renovations/
- Categories: Home Insurance

Thinking about doing some home renovations? Your Homeowners’ insurance policy is designed to cover the replacement cost of your home in the event of a total loss. Upgrades to your home this may increase the replacement value of your home.

Importance of Notifying Your Insurance Company of Home Renovations Thinking about doing some home renovations? Your homeowners insurance policy is designed to cover the replacement cost of your home in the event of a total loss. If you make significant upgrades to your home this may increase the replacement value of your home, which may require the replacement cost to be adjusted. Please notify your insurance broker of any home renovations to make sure you are properly insured. If you’re making “substantial” renovations this may change the classification of your policy. Your insurance company may require you to obtain a Builders Risk insurance policy while your home is under construction. Builder's risk insurance is a special type of property insurance which indemnifies against damage to buildings while they are under construction. Builder's risk insurance is coverage that protects a person's or organizations’ insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause. Majority of Homeowners’ insurance policies require that the home remain occupied while it is insured. If you have to leave your home for an extended period of time during renovations, you should contact your insurance broker to request a vacancy permit. Vacancy permits may increase the premium, but they allow you to maintain most coverage while you’re away from home. If a contractor or anyone else is injured on your property, you may be liable for costs...

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- Published: 2018-03-28
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/water-damage/
- Categories: Home Insurance

Disasters can happen anytime! Water damage has replaced house fires as the most expensive source of home insurance claims.

How to Manage Water Damage Disasters can happen anytime! Water damage has replaced house fires as the most expensive source of home insurance claims. The following are different types of water protection coverage's offered by most insurance companies: Overland Water - Overflow of a lake or river, heavy rain or rapid snowmelt that enters your home from a point at or above ground level. Sewer back up - Water that enters the home through the sewer drain. Sewer back up often happens because the city sewage systems becomes backed up and overflows into the sewer drain Ground Water - Ground or surface water that enters or leaks into your home through basement floors, foundation, or sidewalls Service Line – As a homeowner damage to underground piping or wiring caused by tree roots, cracks, clogs would be your responsibility to repair or replace. Water Damage to your home can be very stressful and disruptive even if you have insurance. Here are a few steps you can take to reduce that risk in your home: Make sure all downspouts discharge at least three meters away from your home’s foundations Ensure sewer grates are open and clear away debris like dirt and leaves Place plastic covers over window wells Store items in the basement in plastic bins up off the floor so they aren’t damaged if water enters the basement Install a sump-pump which helps keep the area under your home dry by removing the water that accumulates under the home. Install a...

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- Published: 2018-03-21
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/cash-crop/
- Categories: Insurance Tips

If you’re a Cash Crop Farmer we understand that your farm is both your home, and your business. A Cash Crop Insurance Program is designed for a wide range of farming operations such as corn, wheat, beans, rye, fruit, vegetables, and many more.

Cash Crop Insurance Facts If you’re a Cash Crop Farmer we understand that your farm is both your home, and your business. A Cash Crop Insurance Program is designed for a wide range of farming operations such as corn, wheat, beans, rye, hay, fruit, vegetables, ginseng and many more. In the event of a loss you want to ensure there is proper coverage in place. A farm insurance package covers your home, farm buildings, machinery and equipment, produce, as well as provides farm liability and limited pollution liability protection. In addition to these, there are optional coverage's available such as: Claim Forgiveness which protects you from losing your Claims Free Discount after a first claim. Equipment Breakdown coverage for electronic circuit boards and computer systems. Coverage for Damage to Non-Owned Equipment. Loss of Use Coverage for important Farm Machinery and Equipment. Farmers Accident Insurance. Various insurance companies also provide Loss Prevention services that can be easily arranged through your insurance broker and are free of charge to policyholders. Such services include: Thermal Imagery to identify electrical hot spots before they become a problem. Building Evaluations to determine the replacement values of your farm buildings based on current construction costs. Risk Management advice to provide you with information on how to avoid potential losses. Our Farm Insurance Brokers work with farmers to ensure their farms are properly insured in the event of a loss, and to provide information on how to avoid a loss based on our past experiences. We are...

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- Published: 2018-03-14
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/replacement-cost/
- Categories: Home Insurance

The replacement cost of your home can be easily misunderstood. This property insurance term refers to the value of your home for purposes of determining the amount of coverage needed in the event of a total loss of the dwelling.

What Is Insurance Replacement Cost? This is an insurance term that can be easily misunderstood. This property insurance term refers to the value of your home for purposes of determining the amount of coverage needed in the event of a total loss of the dwelling. It is an estimation of how much it would cost to re-build your home with similar materials. The insurance replacement cost is not based on the current market value of your home. The market value of your home includes the value of the land the house is on and many other market factors such as neighborhood, amenities nearby, etc. Your home should be insured for 100% of its estimated replacement cost. To determine the amount for replacement cost, the insurance company will use information such as the square footage, number of stories, shape, the year originally built, if the basement is finished, exterior material of the house, if there is a garage, even characteristics like the roof material, any unique features. Most comprehensive Homeowner insurance policies include guaranteed replacement cost. This means even if the cost of rebuilding your home exceeds the cost to replace your dwelling shown on your policy documents, the insurance company will still cover the full cost to re-build your home. A single limit of insurance is also often available for most comprehensive homeowner insurance policies. This combines the coverage for the dwelling itself, contents/personal property, detached private structures and additional living expenses. Speak to your Morison Insurance broker to see...

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- Published: 2018-03-12
- Modified: 2022-06-21
- URL: https://staging.morisoninsurance.ca/news/auto-insurance-fraud-2-billion-year-problem/
- Categories: Auto Insurance

About $2 billion a year. That's the estimated cost of auto insurance fraud in Canada annually. Auto insurance fraud is a serious problem in Canada – it costs honest customers between $100 and $150 in additional premiums each year.

Auto Insurance Fraud in Canada About $2 billion a year. That's the estimated cost of auto insurance fraud in Canada annually. Auto insurance fraud is a serious problem in Canada – it costs honest customers between $100 and $150 in additional premiums each year. Our Morison Insurance team knows first-hand how fraud can impact on your insurance rates. We are glad to do whatever we can to stamp out this illegal and expensive reality. A big thank you to Aviva for investigating this BIG problem in Ontario and all of Canada. *** Here is the Aviva press release on its investigation.

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- Published: 2018-03-07
- Modified: 2024-04-01
- URL: https://staging.morisoninsurance.ca/news/insuring-a-cottage/
- Categories: Insurance Tips

The sun is shining and spring is just around the corner. Make sure your home away from home is protected by purchasing the right insurance coverage for you.

Essentials for Insuring a Cottage The sun is shining and spring is just around the corner. Have you been thinking about purchasing? Your first cottage? Maybe you already own a cottage and can’t wait to open it for the season. Make sure your home away from home is protected by purchasing the right cottage insurance coverage for you. Be prepared! When inquiring about cottage insurance our brokers will need to some details of the dwelling. Ask your broker what details are important before purchasing. This way you can use your realtor or home inspector as a resource to get all of this information for you. Examples of the information required is: • What is the heating type? • What is the plumbing materials? • Is the electrical on a breaker service? How many amps? What is the wiring type? • What is the roof material? • When was all of the above last updated? • Do you use your cottage year-round? • Do you rent your seasonal home to others? • Does the cottage have a woodstove? Take lots of photos! It is great to have the photos to show your friends, family and your insurance broker. Your insurance company will require four clear colour photos of the outside of the cottage. When it comes to dwelling updates not everyone knows what they are looking at. Photos will help your insurance broker to understand the type of cottage you have to ensure it is insured properly. Talk to your insurance...

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- Published: 2018-02-28
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/co-insurance/
- Categories: Insurance Tips

Co-Insurance is one of the most misunderstood and confusing concepts in insurance. It is a fundamental principle of property insurance and we would like to help you understand by explaining co- insurance and how it works.

Understanding Commercial and Personal Co-Insurance Clauses If you're in the market for property insurance coverage, you've probably come across the co-insurance clause that is included in most property insurance policies. Even if you think you understand it perfectly, it's worth going over the basics to make sure you know all the ins and outs of exactly how co-insurance works. The truth is, co-insurance is one of the most misunderstood and confusing concepts in insurance—and insurance as a topic is not always simple to navigate in general. Co-insurance is a fundamental principle of property insurance included in home insurance and business insurance policies, so understanding how it works is the key to avoiding costly mistakes. In this article, we'll explain exactly what co-insurance is and how it's calculated, as well as answer a few common questions to help you ensure you have the right coverage limits for your insurance needs. We want you to know precisely what to expect when the time comes to file a claim. What Is Co-Insurance? Co-insurance is an agreement between you and the insurer that is providing you with property coverage whereby you agree to maintain coverage up to a stated percentage of the value of the property you wish to insure (usually 80% or 90%). It's very important to understand that the building must be insured with the required amount of insurance. As a result of this promise, a significant concession in the rate is given. Should a loss occur, consideration is then given to...

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- Published: 2018-02-21
- Modified: 2024-06-19
- URL: https://staging.morisoninsurance.ca/news/be-properly-insured/
- Categories: Insurance Tips

At Morison Insurance we want to make sure you are protected and we will try to save you money any time we can. When we are aware of happenings, we will recommend and quote additional coverage's to ensure proper limits are in place.

Be Properly Insured: Insurance Fundamentals At Morison Insurance we want to make sure you are protected and we will try to save you money any time we can. When we are aware of happenings, we will recommend and quote additional coverage's to ensure proper limits are in place for each individual client’s situation. When we are not aware of life changes – such as a new driver in the family or a renovation – please share these details with us. Sharing is good. It can mean the difference between being properly insured and not. Here are a few possible examples that could have made a difference: Example #1 During a discussion between a broker and a client about the client’s upcoming move, the broker recommends that in the event of a claim, such as theft and mysterious disappearance, the client would only have a $6,000 limit for her jewelry. The client said she would think about it. In the meantime the client discovers in the move that her jewelry was missing and she has a claim for $12,000 worth of jewelry items. The insurance coverage limit is for $6,000. Clearly, it would have been better to schedule the items and increase the limits and be covered for the full $12,000 worth of jewelry. Example #2 Should you carry a $2 million liability limit on your auto insurance? We recommend $2 million as often the standard $1 million does not provide sufficient coverage. In this example, a client had a little...

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- Published: 2018-02-14
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/atv-off-road-vehicles/
- Categories: Insurance Tips

When you love to ride your ATV or off-road vehicles, you want to make sure you are adequately insured! These can be 4, 6, or 8 wheels, depending on what type of terrain you will be enjoying.

ATV and Off-Road Vehicle Insurance When you love to ride your ATV or off-road vehicles, you want to make sure you are adequately insured! These can be 4, 6, or 8 wheels, depending on what type of terrain you will be enjoying. Sometimes your new ATV can be added to your auto policy, other times it will need to be on a its own ATV insurance policy. Each company has its own set of rules. The standard $1 million liability limit is offered by most companies, but some now offer higher limits. There are so many new types of machines out there, you will want to be sure before you bring it home that there are no special restrictions on it. Most of the time insurers have a maximum cc limit, 900 cc’s is generally the top end. This is because bigger machines are considered racing machines and regular insurers will not insure them. Many of the insurers will offer multi-vehicle and multi-line discounts for these as well. Who can ride? For on-road riding of an ATV or an off-road vehicle the driver must: Be at least 16 years old Hold at least a valid G2 or M2 licence Wear approved motorcycle helmet, securely fastened under the chin with a chin strap Wear a seat belt, where provided Travel at speeds less than the posted speed limit. No more than 20km/h on roads with a posted speed limit of 50km/h or less. No more than 50km/h on roads with a...

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- Published: 2018-01-31
- Modified: 2023-05-19
- URL: https://staging.morisoninsurance.ca/news/insuring-your-condo/
- Categories: Home Insurance

Condominiums are like snowflakes, no two are the same! When looking to insure your condo, be sure to obtain the definition of your Standard Unit from the Condominium Corporation.

Condominium Insurance Condominiums are like snowflakes, no two are the same! When looking for condo insurance, be sure to obtain the definition of your Standard Unit from the condominium corporation. This will help your broker in determining what/how much coverage you will require. What type of condo do you have? Apartment/townhouse style/freehold? Each condominium type will require different information to your broker so they can assist you properly on how to insure it. Condominium Corporations do not insure your unit and your belongings. Although insurance may be included in your condominium fees, this would be in relation to the insurance the Condominium Corporation pays to insure the structure, and to insure any outbuildings, and common elements. You as a condominium unit owner are responsible for insuring your unit, as well as your belongings and Liability. Condominium unit owners are responsible for insuring any upgrades or improvements that they have made, including those made during construction or by a previous owner. These upgrades could include flooring, countertops etc. In the event of a fire, the Condominium Corporations insurance is only responsible to rebuild the unit as is was originally built- any upgrades, painting, flooring would be up to the unit owners insurance. Also included in Condominium Insurance policies is Loss assessment coverage. In the unlikely event that a claim has been brought forward to the Condominium Corporation, and they do not have enough coverage to cover all the damage, the Condominium Corporation can come back to the Unit owners to cover...

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- Published: 2018-01-24
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/hit-and-run/
- Categories: Auto Insurance

As a vehicle owner and operator, being involved in an automobile accident is never a pleasant experience. The situation can be made worse if the other driver refuses to stop or flees the scene, leaving you to deal with the damage to your vehicle.

Dealing with a Hit and Run As a vehicle owner and operator, being involved in an automobile accident is never a pleasant experience. The situation can be made worse if the other driver refuses to stop or flees the scene, leaving you to deal with the damage to your vehicle. This is classified as a Hit and Run. In some cases the damage may only be minor, however, it can result in a major inconvenience. Here are a few tips in the event that you find yourself in this unfortunate scenario. If there are any injuries involved, please call 911. Try to stay calm and review your surroundings. If possible, take some photos of the damage. Attempt to collect as much information as possible such as the exact location, time of day, and if there are any witnesses. If you are able to locate a witness, record as much information as they can provide to you such as the year, make, model, colour and license plate number of the other vehicle involved. Additionally, collect the contact details for all of the witnesses. This is vital information for your next step; the police report. Be sure to report the incident to a Collision Reporting Centre as soon as possible; even if the damage is minor. Some insurance companies require that a Hit & Run be reported to the authorities within 24 hours in order for it to be considered a Not-At-Fault claim. Most importantly, contact your Insurance Broker! We are here...

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- Published: 2018-01-17
- Modified: 2021-10-06
- URL: https://staging.morisoninsurance.ca/news/why-has-my-premium-increased/
- Categories: Insurance Tips

There is nothing more frustrating than learning that your home or auto insurance has increased. There are different scenarios as to why your premium could go up. Here are a few.

Increased Premium? There is nothing more frustrating than learning that your home insurance or auto insurance has increased. There are different scenarios as to why your premium could go up. Here are a few. Auto If you have a conviction for anything the police pull you over for regardless of whether you lose license points or not. If you have an at fault claim without having the accident protector or having a 2nd at fault accident during accident forgiveness time frame of 6 years. The company you are insured with has a rate increase. If you add a driver or vehicle to your existing policy. If you add a young driver with a G2 license being added or any young driver. If you are adding an increase in coverage due to broker suggestions or request from client. If you move to a different postal code or city. If your policies are combined and you shop one policy without the other, you will lose your multi policy car insurance discount. If you use your vehicle for commuting to work instead of pleasure use. If you use your vehicle for qualified business use with individual companies. If your policy is cancelled for non-payment or you have a license suspension. House If you have a claim on your house policy, this causes you to lose your claims free discount for 3 years. If your individual company has a rate increase. If there is a territory change made by company for coverage (example: sewer...

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- Published: 2018-01-05
- Modified: 2024-08-02
- URL: https://staging.morisoninsurance.ca/news/winter-emergency-kit-essentials/
- Categories: Auto Insurance, Insurance Tips

No matter how many hockey bags you’re trying to fit in your trunk, you should never hit the road without an emergency kit, especially in the winter months.

Winter Emergency Car Kit Winter driving. The two words can accelerate worry, distress, anxiety - maybe even abject fear - for almost any driver. Harsh winter road conditions can be dangerous to even the most experienced and skilled drivers. When snow is deep, roads are icy, and winds are gusting, winter driving can be difficult and dangerous. An item that can help dull those fears is a winter emergency car kit. Why Do You Need A Winter Emergency Car Kit? A good winter emergency car kit will prepare you to stay safe in case of winter driving problems or if you must spend longer than expected in your car. Road closures, slippery roads, icy conditions, and other winter-weather driving realities and mishaps can turn a winter drive into a nightmare. You may be able to solve some driving problems quickly by yourself, or a passerby may help you. Other times, however, you may be stranded in your car until police, a tow truck, or other emergency responders arrive to help. What if your vehicle's engine isn't working, and you have no heat? What if your vehicle spins out? There are plenty of scary what-ifs. For example, if your car breaks down on a remote winter road help may not be expected for hours. How will you stay warm? What will you eat? Will your phone run out of power? Your best bet to stay safe in these situations is preparation. Like the Scouts' motto: Be prepared. Pack a good winter...

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- Published: 2017-12-13
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/drive-safe-this-winter/
- Categories: Auto Insurance, Insurance Tips

Winter driving can be dangerous. A clear and sunny winter day can quickly turn to snowy, blowy and icy conditions on the road. And even on sunny days black ice can lurk on the roadway. Our insurance team wants to help keep you and others safe.

The Importance Of Safe Winter Driving Driving safely is something you can quickly begin to take for granted. If you have never been in an accident, it's easy to think it never will happen. This is especially true of more experienced drivers, who proudly point to their driving history and clean driving record to show their high skill level. While they are often good drivers, they are also prone to minor mistakes. During the winter season, when a tiny blunder or lack of foresight is more likely to cause a collision due to increased risk, everyone needs to keep winter driving tips in mind to lower danger. When you're gazing at beautiful winter landscapes, it's easy to forget how dangerous colder weather can be on the road. Even a layer of ice too thin to see can lead to slippery conditions that can give even experienced drivers a rough time. However, anyone can follow these winter driving tips to keep themselves and others safe while fighting the winter weather. Winter Driving Tips To Reduce Risk On The Road Regardless of your driving history, everyone can use some solid winter driving tips. Please note that most of these winter driving tips are easy to implement. This means anyone can take these steps to make themselves safer. Some are done before going out, while others are to be kept in mind while braving the slick roads and cold temperatures. 1. Winterize Your Vehicle Before The Snow Falls Getting your car ready for...

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- Published: 2017-12-06
- Modified: 2021-09-15
- URL: https://staging.morisoninsurance.ca/news/insurance-for-all-that-sparkles/
- Categories: Insurance Tips

Are you planning to give a special gift to an extra special someone? Maybe an engagement ring? A gorgeous pair of earrings? A once-in-a-lifetime necklace or bracelet? It’s likely these special items are emotionally valuable AND worth a lot of dollars too.

Protect Your Jewellery With the Right Insurance Are you planning to give a special gift to an extra special someone? Maybe an engagement ring? A gorgeous pair of earrings? A once-in-a-lifetime necklace or bracelet? Or maybe you have a special piece of jewellery – such as a ring or a brooch – that’s been in your family forever. It’s likely these special items are emotionally valuable AND worth a lot of dollars too. Having the right jewellery insurance for these items is very important. Your home, tenant or condo policy provides insurance against loss or damage to your contents, but some valuable items have limits. Jewellery, for example, has a specific limit, often to a maximum of $6,000. Other high-value items such as art, bicycles and coin collections also have limits. If the value of your special items exceeds the coverage provided in your home insurance policy, you can add special insurance to cover these items. Premiums, deductibles and coverage limits can vary between companies. Our Morison Insurance brokers will shop at Canada’s best insurance companies to get you the right coverage for your items at the best price. It’s also important to create an inventory of your special items, take photos or a video and keep these in a safe place. If possible, keep receipts for your items. It is also a good ideas to have a professional appraiser provide an appraisal of your items. At Morison Insurance we are happy to review your current policy and coverages to...

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- Published: 2017-11-29
- Modified: 2024-03-28
- URL: https://staging.morisoninsurance.ca/news/car-insurance-travel-tips/
- Categories: Auto Insurance

Here are some auto insurance tips to help ensure you have a worry-free vacation. Whether you are travelling for a short vacation or you are a snow bird enjoying a long winter escape, there are a few things you should think about.

Travelling South This Winter? Here are some car insurance travel tips to help ensure you have a worry-free vacation. Whether you are travelling for a short vacation or you are a snow bird enjoying a long winter escape, there are a few car insurance travel tips to think about. Question: Driving south by car? Does your car insurance cover you when driving south of the border? Answer: Your auto insurance in Canada does cover you in the United States. If you are planning to drive farther south, such as Mexico, you will need to purchase insurance to cover you while you are there. You may want also to increase your liability coverage while driving outside of Canada. Many policies have $1 million liability limits (Canadian funds), however, we suggest purchasing a higher limit of at least $2 million. The cost for this extra coverage is not that much more and it provides greater peace of mind as court awards in lawsuits can sometimes exceed $1 million. Question: I will be renting a car while I am away. Does my insurance in Ontario cover me when driving a rental car? Answer: Generally the third-party liability on your policy in Ontario will cover you when driving a rental vehicle in the United States. In terms of collision and comprehensive coverage, check with our brokers to make sure you have this coverage with your Ontario policy. Generally this coverage is transferable, however, we advise that you check with our brokers to be sure...

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- Published: 2017-11-22
- Modified: 2018-10-23
- URL: https://staging.morisoninsurance.ca/news/national-home-fire-safety-week-2/
- Categories: Insurance Tips

With the holiday season just around the corner, this is the time of year that your kitchen is being used the most. You may be planning a home cooked holiday meal with your family or baking cookies for Santa.

Be Careful in the Kitchen With the holiday season just around the corner, this is the time of year that your kitchen is being used the most. You may be planning a home cooked holiday meal with your family or baking cookies for Santa. Please ensure that you are taking preventative measures to stay safe in the kitchen. November 24-30 is National Home Fire Safety Week and Morison Insurance would like to remind you to be extremely cautious while cooking in the kitchen. Cooking is the lead cause of home fires in Canada, and the holiday season tends to bring a significant amount more of cooking, baking and general oven use. It is important to never leave food unattended on the stove. Cooking requires your full attention as a fire can be sparked very quickly and can spread even quicker. Be proactive and watch your food so in the event of a fire, you are able to act quickly and assertively before it can escalate. Here are some tips on how to handle a fire, should one occur: If at any time you feel endangered or are unable to control the fire, evacuate the house and call the fire department. Make sure your family and guests know the fire escape route and that they are able to get out of the house safely in the event of a fire. If a fire starts in your oven or microwave, close the door and turn it off. The lack of oxygen will...

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- Published: 2017-11-15
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/news/need-business-insurance/
- Categories: Insurance Tips

Businesses may have a variety of assets such as vehicles, office space and equipment, inventory, employees, a partner and, most importantly, yourself. To protect these assets and your business from potential risks, you should consider getting insurance.

Why Get Business Insurance? Businesses may have a variety of assets such as vehicles, office space and equipment, inventory, employees, a partner and, most importantly, yourself. To protect these assets and to protect your business from potential risks, you should consider getting insurance. Could your business continue to operate if problems such as the loss of a key person occurs or there is a disaster at office or business premises? What if your inventory is damaged in a flood or fire makes it impossible to carry on with your business? The right business insurance can make things manageable if problems such as these arise. Morison Insurance can provide insurance for your earnings and property as well as liability insurance. Below is some general information about business insurance for contractors and tradespeople, farm operations and automobiles used in a commercial operation. Also important is liability insurance. No matter how careful you are, mistakes can happen. You, your employees, your equipment or your suppliers could end up hurting your customers, your employees or other people who are involved with your business. To limit your liability, you should also have liability insurance for your business. Consider general liability, product liability, professional liability and cyber liability insurance for your protection. Our commercial insurance brokers will review your insurance needs and can provide insurance for your business. We will happily review your current policy to make sure you are getting the right insurance and we will shop at many of Canada’s best insurance companies to...

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- Published: 2017-11-03
- Modified: 2021-04-16
- URL: https://staging.morisoninsurance.ca/news/change-clocks-change-batteries-save-lives/
- Categories: Insurance Tips

When you turn back your clocks by an hour on November 5th for daylight savings time, make sure also check the batteries in your smoke alarms. The Government of Canada’s Public Safety website states that eight people die in home fires each week.

Fire Safety Strategies When you turn back your clocks by an hour on November 5th, 2017 for daylight savings time, make sure also check the batteries in your smoke alarms. The Government of Canada’s Public Safety website states that eight people die in home fires each week. Home fires make up 40% of all kinds of fires and account for 73% of all fire deaths. Smoke Alarms Save Lives With a smoke alarm, says the Ontario Association of Fire Chiefs, your risk of dying in a fire is reduced by nearly half. Investigations into house fires often find that smoke alarms were not working or have been disconnected. As many fires occur at night when people are sleeping, the smoke may not wake you up. A working smoke alarm can keep you from perishing in a fire. According to the Canada Safety Council, you need to have a smoke alarm on every level of your home. In fact it is the law for all home in Ontario to have smoke alarms on every storey of the house and outside of all areas where people sleep. The Ontario Association of Fire Chiefs recommends that alarms be installed on the ceiling. This is because smoke rises. Always install the alarms according to manufacturer’s directions. The National Fire Protection Association also notes that with modern furnishings, fire can spread very rapidly, much more quickly than in the past when more natural products were used in manufacturing. The Ontario Association of Fire Chiefs notes...

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- Published: 2017-10-16
- Modified: 2022-06-22
- URL: https://staging.morisoninsurance.ca/news/preparing-home-for-winter/
- Categories: Home Insurance

Be prepared. Winter weather can pack a wallop and it's best to have your home winter-ready. Here are a few tips.

Be Winter Weather Prepared! Winter weather can pack a wallop and it's best to have your home winter-ready. Here are a few tips: OUTSIDE YOUR HOME Clean eaves troughs and downspouts to ensure proper drainage Repair damage on the outside of your home, including cracks or storm damage Caulk window trim and door frames Check your roof and flashing for repairs Install weather stripping on exterior doors and windows Winterize your pool or hot tub Turn off the water supply to outdoor taps after the taps have been left open to drain completely. Leave the taps in the open position until the spring Always clear snow away from the foundation of your house INSIDE YOUR HOME Check heat-duct and water-pipe insulation Inspect any washing machine and dishwasher hoses for cracks or leaks, and clean the filters Learn the location of, and how to use, the water shut-off valve Have the furnace and air conditioner professionally serviced annually Have any chimneys cleaned annually and repaired as needed Looking for Home Insurance? Are you in the market for home insurance? Contact the home insurance specialists - Morison Insurance. Our brokers are here to ensure your biggest investment is properly protected. This blog is provided for information only and is not a substitute for professional advice. Please call our Morison Insurance brokers at 1-800-463-8074 for more information.

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- Published: 2017-10-13
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/news/winter-tire-insurance-discount/
- Categories: Auto Insurance, Insurance Tips

We are enjoying lovely fall weather, but we all know winter snow and ice is on the way. Did you know you can improve your safety on the road and save money on your insurance by installing winter tires on your vehicle?

What Is The Winter Tire Insurance Discount In Ontario? The winter tire auto insurance discount is a money-saving opportunity insurance companies provide customers for installing winter tires. Savings are up to 5% on your auto insurance premium. Ontario drivers are well aware of the hazards of winter driving: snow, ice, white-outs, bone-chilling temperatures and bracing winds. For your safety and the safety of others, it is imperative to have winter tires on your vehicle. Winter tires are specially designed for winter weather. They have deeper treads, gripping edges and rubber that does not stiffen in the cold as summer or all-season tires do. The deeper treads allow the vehicle to brake earlier, making avoiding a possible collision easier. It makes sense to have winter tires, and it also makes sense to get your winter tire insurance discount. You will be driving safer, and you will save money on your insurance. Drivers should speak to their insurance broker about the winter tire insurance discount. It's an available saving with no strings attached, so there's no reason to decline it. How Does Installing Winter Tires Affect My Insurance Premium? Installing winter tires will affect your insurance premium by giving you a discount of up to 5%. At first, this may not seem like significant savings, but, as one of our brokers said: "Even if it's a little bit, it's something you don't have to pay to the insurance company. " Our broker is correct. Every bit of savings - including the winter...

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## Insurance Companies

- Published: 2025-01-15
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/insurance-company/forward-insurance/

Forward Insurance Broker Ontario As an independently owned Insurtech MGA, Forward Insurance Managers Ltd. prides itself on being a traditional underwriting agency that uses modern technology to make it easier for customers and Forward Insurance brokers to access the right insurance options across a wide range of niche coverage offerings. That doesn't mean Forward Insurance puts technology first—they emphasize that their focus is on people plus technology, and always in that order. Forward Insurance recognizes that insurance is a people-oriented industry, and that means it's crucially important to have a team of experienced underwriters and claims adjusters who are ready to serve and are passionate about what they do. Morison Insurance is proud to be a Forward Insurance broker partner. Our expert brokers are well-versed in the products offered by Forward, and we know how to leverage them to get you the right insurance coverage for your unique needs, whether you're looking for personal insurance, commercial insurance or a more specialized type of coverage. Why Is a Forward Insurance Broker the Right Choice? Unlike some insurance companies, Forward Insurance does not sell their products through insurance agents to avoid competing with their Forward Insurance broker partners. That means their insurance coverage is only available through Forward Insurance brokers such as the Morison Insurance brokerage team. Working with a Forward Insurance broker has some big benefits for policyholders. Forward Insurance is a well-known and trusted name in Ontario and Canada's insurance sector. It offers an innovative yet approachable way to get...

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- Published: 2024-01-16
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/insurance-company/edge-mutual-insurance/

Edge Mutual Insurance They began their journey as The Peel and Maryborough Fire Insurance Company in 1887 and specialized in insurance for farming operations. Having stuck to their roots, they have remained a stable force in the farming insurance industry but have since grown to cover both client’s most valuable personal possessions, as well as covering many businesses Why Choose Edge Mutual Insurance Edge Mutual Insurance company aims to be transparent, open, and honest with its customers. Each of their adjusters has fewer claims to handle than many of their competitors, allowing them to focus on each claim quickly. This focus on lower bureaucracy and getting the job done will enable them to contact the service providers required to take care of your claim. Edge Mutual also personalizes each of its insurance packages so that you can get a policy custom-made to your needs. They realize that an insurance offering that was perfect for someone else might not be the best fit for you and will adjust their quote based on your needs. Since they also offer a wide variety of coverage, you may be able to get all your insurance needs met by them, making things easier for you. Edge Mutual Property Insurance Coverage Having started in the farming sector, Edge Mutual Insurance offers plenty of coverage for farms. However, regardless of whether you are a farmer, Edge Mutual has something for you, as they also provide a wide variety of personal and professional coverages such as car insurance,...

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- Published: 2024-01-04
- Modified: 2025-01-24
- URL: https://staging.morisoninsurance.ca/insurance-company/heartland-mutual-insurance/

Heartland Mutual Insurance Brokers Heartland Mutual Insurance has a long history of providing care to all of its insured. Heartland Mutual Insurance has been growing since it was formed in 1874, previously known as North Waterloo Farmers Mutual. Starting out specializing in farm insurance, the company has become more all-encompassing, providing coverage in many other areas across Ontario. In 2021, Heartland Farm Mutual Insurance combined with The Kings Mutual Insurance Company to form a single company, leading to growth for both parties involved. Our Heartland Mutual Insurance brokers will give you all the assistance you need to receive all their coverage benefits. We will be happy to answer any questions and provide the necessary guidance and advice to get the best coverage possible. Why Choose Heartland Mutual Insurance? There are many reasons to pick Heartland Mutual to give you insurance coverage. The first is that they are a Mutual Insurance company. Mutual insurance companies are owned entirely by their policyholders, allowing them to focus on the best interests of their customers A second reason to go with Heartland Mutual is its wide variety of services. Not only do they provide farm insurance like they always have, but they also offer home, car, and business insurance. This wide variety of coverage allows you to have your insurance needs provided by one company, making things easier for you as an insured person. Heartland Mutual offers its insurance coverage through Heartland Mutual insurance brokers. Running your coverage through a broker provides many benefits,...

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- Published: 2022-11-25
- Modified: 2025-03-19
- URL: https://staging.morisoninsurance.ca/insurance-company/intact-prestige-insurance/

Intact Prestige Insurance Brokers Whether you love nothing better than hitting the lake every summer weekend in your high-performance boat or you prefer to spend your free time holding tastings for your friends in your wine cellar, Intact Prestige Insurance has perfectly-tailored insurance solutions to give you peace of mind that your most valued belongings are protected against financial loss. Intact Prestige Insurance brokers offer personalized insurance coverage combined with outstanding service from coast to coast, from your high-value home and cottage to your luxury car and boat. Speak to a licensed broker at Morison Insurance today to get started on an Intact Prestige Insurance quote so you can rest easy knowing you are backed by financial protection in the event that your valuable property suffers damage from an insured cause or your family is subjected to legal action for personal liability claims. What Makes an Intact Prestige Insurance Broker the Right Choice? Choosing the right insurance company for your unique needs is a big decision. There are some distinct reasons why calling an Intact Prestige Insurance broker may be the ideal choice for your luxury home, auto and lifestyle coverage. Intact Prestige Insurance is mainly known for its smooth, easy-to-manage claims process. When disaster strikes or you're experiencing the upheaval of dealing with unexpected expenses, the last thing you want is a challenging, unsatisfying claims process that takes too long to get you the compensation you're entitled to. You never have to worry about that when you work with...

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- Published: 2022-10-11
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/insurance-company/unica-insurance/

Unica Insurance Brokers Unica Insurance has been providing best-in-class insurance protection and exceptional customer service to Canadians since 1955 through a network of Unica Insurance brokers, which now includes the team of experts at Morison Insurance. Unica Insurance delivers specialized, customer-centric VIP personal insurance and business insurance with a focus on hassle-free service and a commitment to integrity, transparency, company sustainability, social involvement and responsibility. Why is a Unica Insurance Broker the Right Choice? There are some key advantages to choosing a Unica insurance broker for your insurance needs. If you've ever had to suffer through a painful insurance claims experience, you know precisely how important it is to have coverage with an insurance company that is responsive and processes your claim quickly and accurately. Unica Insurance boasts a high customer review rating on Google and other online review sites, which is not always the case in the insurance industry; those ratings are due to the outstanding claims experiences that Unica Insurance customers are reporting. Here are a few benefits of choosing a Unica insurance broker for your home, auto and business insurance. Focused on Customer Satisfaction: The top priority at Unica Insurance is customer satisfaction. Unica is an active insurance partner that strives to put their customers first and ensure they are able to move through a prompt, professional claims process quickly to receive the funds they are entitled to by their insurance policy. In fact, 98. 6% of new claims are contacted within the first two hours after...

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- Published: 2021-07-27
- Modified: 2025-05-29
- URL: https://staging.morisoninsurance.ca/insurance-company/northbridge-insurance-onyx/

Northbridge Insurance Onyx: Offering Elite Coverage For High-Value Homes If you are looking for first-class coverage for your high-value home, Northbridge Insurance Onyx is an excellent choice. Northbridge Insurance Onyx goes above and beyond standard protection offerings, tailoring high-value home insurance to the specialized needs of high-net-income individuals. Why Choose Northbridge Insurance Onyx? Choose Northbridge to protect what matters most to you: your family, your home, your possessions, your property. Northbridge Insurance Onyx works through select brokers to protect homeowners who want and need more insurance protection. Northbridge Onyx insurance products are flexible and recognize the exclusive needs of high-net-worth clients. Features include unlimited replacement cost coverage, taking limits off some coverages such as additional living expenses if you reside elsewhere following a loss, legal expense coverage, and coverage for students away at university. Additionally, professional and prompt service is an Onyx centrepiece. In Northbridge’s own words: “We don’t want to simply meet your expectations – we want to exceed them. ” Every Onyx policy is crafted to each client’s requirements. What Type Of Insurance Does Northbridge Insurance Onyx Offer? Northbridge Insurance Onyx offers superior protection for exclusive homes, properties, and possessions. Onyx coverage accounts for one-of-a-kind features, distinctive details, treasured items, exclusive collections and more. Onyx provides unlimited replacement cost coverage for homes and out-buildings such as garages and stables. Northbridge Onyx also provides $2 million liability coverage per policy, including personal liability, $50,000 equipment breakdown coverage, jewellery coverage to $50,000 per claim and much more. A Northbridge Onyx...

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- Published: 2021-07-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/insurance-company/chubb-insurance/

Chubb Insurance Brokers: High-Value Insurance Crafted to Your Unique Needs Chubb Insurance company of Canada is a premium insurer protecting luxury homes and automobiles. Chubb Canada is part of Chubb, the world's largest publicly traded personal property and casualty insurance company. Chubb provides extensive product options and focuses on personally tailored protection all while providing outstanding service. Chubb provides their service offerings through select Canadian insurance brokers. When you speak with a Chubb insurance broker, you can expect an elite level of service and customizable coverage options tailored to your unique needs. Why Choose Chubb Insurance Brokers? Chubb is an excellent choice for those who value personally crafted and detail-focused insurance, professional service, and prompt and fair claims resolution. Chubb insurance brokers will help find you the best insurance protection for you, your family, your home, your automobiles, and your belongings. What Types of Insurance Does Chubb Insurance Offer? Chubb Insurance provides many top-rated insurance products including high-value home insurance and luxury car insurance protection for families and individuals with more to insure. When you work with an expert Chubb insurance broker who knows Chubb's products, prices, and services, you will receive competitive insurance options and protection tailored to you and your lifestyle. Chubb Insurance For High-Value Homes Exceptional homes require exceptional insurance. Chubb understands this and has designed its Masterpiece Deluxe Homeowners' Insurance, especially for high-net-worth clients. Masterpiece Insurance pays careful attention to particular details, unique features, extravagant possessions, and more. It is insurance for those with signature homes...

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- Published: 2021-04-22
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/insurance-company/caa-insurance/

CAA Insurance Brokers CAA, the well-known automobile club that started as an insurance provider in 1974, protects families across Canada. CAA Insurance Company provides auto and property insurance coverage through a select network of broker partners. You can buy CAA insurance from Morison Insurance. We are proud to be CAA insurance brokers offering a variety of insurance products to individuals across Ontario, including Hamilton, Burlington, St. Catharines, Hagersville, and Simcoe, amongst others. Why Choose CAA Insurance Brokers? CAA offers various types of insurance coverage for your home, auto, and recreational needs. This trusted and well-known brand in the insurance industry also offers competitive rates, excellent coverage, insurance savings, and 24/7 claims service. CAA insurance brokers will help you get a CAA insurance quote quickly and easily. Our team of insurance professionals will ensure you receive an insurance policy that provides the right amount of coverage tailored to your specific needs all while providing exceptional customer experiences. When you use a CAA insurance broker such as Morison Insurance, you also receive service and claims assistance through a broker. We have excellent customer service, and we are pleased to communicate with CAA to assist with prompt and satisfactory claims resolution. Another essential advantage of a CAA insurance broker's services is professional advice and having your broker advocate for you if you need to contact CAA, such as when resolving a claim. Insurance brokers work for their customers, not insurance companies. What Type of Insurance Products Do CAA Insurance Brokers Offer? CAA Insurance...

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- Published: 2020-11-16
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/insurance-company/economical-insurance/

Economical Insurance Brokers Economical Insurance is a long-established Canadian property and casualty insurance company founded in Kitchener, Ontario, in 1871. Over the years, Economical Insurance has grown and evolved. It is a highly respected insurance company in Canada and among the country's largest. You can buy Economical Insurance through select Economical insurance brokers like Morison Insurance. We are proud broker partners. We know Economical's product and service offerings and will ensure you get an Economical insurance quote that is specific to your needs. Why Choose Economical Insurance Brokers? Economical offers various types of coverage for your property, auto, business, farm and recreational insurance needs. Economical also offers money-saving opportunities and a 24/7 claims service guarantee. Economical provides its insurance products and services exclusively through Economical insurance brokers. Economical Insurance recognizes the benefits of working with brokers: Customers get expert and unbiased advice, a variety of coverage options, competitive insurance premiums, outstanding customer service, and so much more. Let our Economical insurance brokers provide you with an Economical insurance quote. We are always happy to help! What Types Of Insurance Do Economical Insurance Brokers offer? Economical insurance brokers offer home insurance, auto insurance, bundled home and auto insurance, condo insurance, cottage insurance, business insurance, farm insurance, and much more. If you have multiple policies with Economical, you could be eligible for an insurance discount. No matter what type of insurance coverage you are looking for, Economical has insurance options for you! Economical car insurance Economical auto insurance includes coverage for cars,...

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- Published: 2020-11-13
- Modified: 2025-02-26
- URL: https://staging.morisoninsurance.ca/insurance-company/wawanesa-insurance/

Wawanesa Insurance Brokers Wawanesa Mutual Insurance Company is one of the largest insurance mutuals in Canada. Wawanesa offers a wide range of products that are available exclusively through Wawanesa Insurance brokers. Wawanesa Insurance was founded in 1896 in Wawanesa, Manitoba, and grew quickly. By 1929, the company offered coverage to every province in what was then known as The Dominion Of Canada. In the 1930s, it expanded to include offices in Toronto, Vancouver, Montreal, Winnipeg, and Moncton. It also supported Canada's efforts in the Second World War into the 1940s. Continuing to grow over the decades, Wawanesa expanded into the United States, beginning to offer services in California in 1975. Continuing growth over the decades, Wawanesa is now one of the top 10 property insurers in Canada while still seeing success south of the border. Our brokers will help you get a Wawanesa insurance quote quickly and easily. We are more than happy to answer questions and provide you with advice and guidance to ensure you are properly protected. Why Choose Wawanesa Insurance Brokers? Wawanesa offers a wide range of products for your personal and commercial needs, along with 24/7 claims service, flexible payment options, competitive rates, additional optional coverages, and discount opportunities. Wawanesa has offices around the country and offers a wide variety of coverages in both commercial and personal lines, meaning that people from throughout the country will be able to bundle all their insurance under Wawanesa. Wawanesa is also a mutual insurance company owned and operated by...

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- Published: 2020-10-28
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/insurance-company/gore-mutual-insurance/

Gore Mutual Insurance Brokers – Morison Insurance Get exceptional insurance coverage with Gore Mutual Insurance from Morison Insurance – your trusted Gore Mutual insurance broker in Ontario. We provide personalized coverage and expert advice on home insurance, auto insurance, business insurance, and more – with 5-star service backed by outstanding reviews. Call 1‑800‑463‑8074 or complete our quote form today to speak with a licensed Gore Mutual insurance broker. Why Choose Gore Mutual Insurance? Tailored quotes from licensed Gore Mutual insurance brokers Full range of personal and commercial coverage Access to exclusive Gore Mutual discounts 24/7 claims assistance via Gore’s Claimcare concierge Rated highly in customer satisfaction and service About Gore Mutual Insurance Founded in 1839, Gore Mutual Insurance Company is Canada’s oldest property and casualty (P&C) insurer. As a mutual insurance company, it is owned by its policyholders, not shareholders. This allows Gore Mutual to prioritize customer service, long-term value, and community support. Gore Mutual is recognized for: Award-winning business practices Social impact through the Gore Mutual Foundation Reinvesting profits to reduce premiums and fund community initiatives Providing insurance that aligns with values of sustainability and mutual benefit What Makes Gore Mutual Different? Mutual Ownership: Policyholders have a stake in the company and can vote on governance matters Non-Profit Model: Focuses on value, not shareholder profit Community-Focused: Supports charities and local initiatives Long-Term Strategy: Prioritizes sustainable, reliable protection for customers Insurance Products Offered by Gore Mutual Brokers Our brokers are here to help you choose the right Gore Mutual policy....

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- Published: 2020-10-22
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/insurance-company/pembridge-insurance/

Pembridge Insurance Broker Ontario Since its establishment in 1999, Pembridge Insurance has built a strong reputation for providing high-quality insurance products across Canada, offering a comprehensive range of personal lines insurance to meet the needs of Canadians. Providing the best insurance coverage and competitive insurance rates to policyholders in Ontario and the rest of Canada is what Pembridge strives to do. You can buy coverage from Pembridge Insurance exclusively through a Pembridge insurance broker. Ontario insurance experts on the team at Morison Insurance are proud to be Pembridge broker partners, and we know their products and services well. We are happy to provide you with a Pembridge insurance quote to protect all your insurance needs. Why Choose Pembridge Insurance Brokers? Pembridge offers a range of personal lines insurance products designed to meet the needs of their clients by providing coverage for property, auto, and recreational insurance. Pembridge provides personalized and competitively priced insurance quotes, additional coverage options, money-saving opportunities, flexible payment options, and 24-hour claims service. You can get a Pembridge insurance quote by calling Morison Insurance to speak with a qualified Pembridge insurance broker. Ontario experts on our team will offer you expert advice and exceptional customer service, answer your questions, provide levels of coverage solutions, and get you insured with ease and efficiency through Pembridge. We are here to help you get a Pembridge insurance quote with comprehensive coverage tailored to your needs. What Types Of Insurance Do Pembridge Insurance Brokers Offer? Pembridge provides insurance coverage for a...

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- Published: 2020-08-14
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/insurance-company/intact-insurance/

Intact Insurance Brokers With roots dating back to 1809, when they were known simply as the Halifax Fire Insurance Association, Intact Insurance has become the largest provider in Canada. After almost 150 years in business, Dutch insurer Nationale-Nederlanden acquired the Halifax Fire Insurance Association in the 1950s. By the 1980s, Commerce Group, Belair Insurance of Quebec, and Western Union of Alberta were acquired, adding even more options for clients. In 1991, a merger with NMB Postbank created ING Group, which was then reorganized into ING Canada in 1993. By 2004, ING Canada acquired Guardian Insurance (1998), Allianz Canada (2004) and Zurich Canada's (2001) Canadian business interests, with specific interests in home, auto, and small and medium business insurance. Since an official renaming to Intact Financial Corporation in 2009, they have gone on to acquire AXA Canada Inc. (2011), Jevco Insurance Company (2012), Canadian Direct Insurance Inc. (2015), and US-based One Beacon Insurance Group Ltd. (2017). Intact is currently insuring over 5 million individuals and businesses. You can buy Intact insurance through select independent insurance broker offices. We are proud to be an Intact insurance broker offering tailored insurance solutions to individuals across Ontario. Why Choose Intact Insurance? Being the largest insurance company in Canada, there are plenty of reasons to choose Intact. The first is the wide range of products; combined with their many ways to save by bundling varying protections together, it's possible to get very good coverage for everything that you would want to insure all with intact....

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- Published: 2020-05-28
- Modified: 2024-10-01
- URL: https://staging.morisoninsurance.ca/insurance-company/travelers-insurance/

Travelers Insurance Canada Travelers Insurance is a trusted company in Canada’s insurance sector. Travelers provides home insurance, auto insurance, recreational insurance, and business insurance through a select network of insurance brokers and has five offices across the country, including two in Ontario. Travelers Insurance is active in cities, towns and neighborhoods across Canada supporting initiatives to help individuals and communities. Why Choose Travelers Insurance? You should choose Travelers for all of your insurance needs because it provides a wide range of insurance products, quality protection to meet customers’ needs, and 24/7 claims service. You can get Travelers Insurance from expert brokers who know their products, prices, and services. An insurance broker can get you insured quickly and easily with Travelers. What Type Of Insurance Does Travelers Insurance Offer? Travelers Canada offers insurance products for individuals, families, and business owners. It offers bundled home and auto insurance, cottage insurance, secondary home insurance, classic car insurance, condo insurance, business insurance, recreational insurance, and many more lines of insurance. When you work with an insurance broker, you get customized coverage for all of your specific insurance needs tailored to your lifestyle. Travelers Auto Insurance Travelers auto insurance can have you protected no matter what you drive. Travelers insures personal pickup trucks, cars, classic and antique cars, and more. An insurance broker who provides Travelers Insurance will get you a competitive Travelers quote for your vehicle. Discounts Available for Travelers Auto Insurance There are many auto insurance discounts available from Travelers. Some of the...

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- Published: 2020-05-22
- Modified: 2025-06-03
- URL: https://staging.morisoninsurance.ca/insurance-company/aviva-insurance/

Aviva Insurance Brokers Ontario Can Rely On With roots dating back to 17th century England, Aviva Insurance has evolved over the years from the creation of new companies and a series of mergers. Throughout its evolution, the company has consistently provided customers with peace of mind while being the go-to insurance provider for home, auto and business coverage. Aviva Canada is trusted by more than 2. 4 million customers. When you work with an Aviva insurance broker, such as the ones at Morison Insurance, not only will you receive expert advice, but you can ensure that your home, vehicle, and/or business is properly protected. What Are the Benefits of Working With an Aviva Insurance Broker? There are some major advantages that come with choosing an Aviva insurance broker. The key benefits that an Aviva insurance broker can offer you include a wide range of insurance options, expert advice, flexibility, no additional fees or charges, prioritize your needs, and more! Wide Range of Insurance Options When working with any insurance broker, including an Aviva insurance broker, Ontario residents get access to a much wider range of coverage options than they otherwise would. You can only get Aviva coverage through a licensed Aviva insurance broker, which means using an insurance broker will give you access to home, auto or business insurance coverage from Aviva—simply calling the insurance company directly to get coverage is not an option. But it's important to note that Morison insurance brokers will always help you find the right...

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## Resource Centre


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## Insurance Terms

- Published: 2025-05-23
- Modified: 2025-05-23
- URL: https://staging.morisoninsurance.ca/insurance-terms/peril/

What Is a Peril in Insurance? So, what is a peril? In insurance terminology, peril refers to a situation or event that results in loss or damage to yourself, your property, or your business. An example of this would be a fire destroying your home or commercial property. In this case, your insurance provider would generally cover you for the loss of any personal belongings or items, the cost of repairs, and many medical bills or legal costs associated with the event, up to the coverage limits in your property or homeowners insurance policy. While a fire is a common peril in insurance terms, it is not the only one. Nor is it included as a peril under every type of policy. That's where our experienced brokers can help. At Morison Insurance, we want you to have the most comprehensive insurance package possible, and for that to happen, we need to make sure you know and understand peril meaning in insurance terms. Different types of policies include coverage for different perils, and the types of perils included, or not included, under your policy coverage determine what events or scenarios are or aren't covered by your insurance plan. What Are Some Examples of Perils in Insurance? We've covered the different types of peril meaning in insurance, but what types of events count as perils? While different insurance carriers and policies have different coverages and rates, some common examples of insurance perils include: Fire and smoke damage Lightning Explosion Theft or attempted...

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- Published: 2022-04-21
- Modified: 2025-06-27
- URL: https://staging.morisoninsurance.ca/insurance-terms/additional-coverage/

What Is Additional Coverage? Additional coverage is extra insurance protection customers can buy to ensure their home insurance and auto insurance policies include the insurance protection they want. Additional coverages, also known as endorsements, are offered by insurance companies to provide customers with protection beyond basic coverage and policy limits. For example, suppose the value of your jewellery exceeds standard residential coverage limits - which are usually about $6,000. If you purchase additional insurance such as a jewellery endorsement that protects your jewellery to its value, you will be fully compensated in the event of an insured loss. Why Should I Add Additional Coverage To My Policy? Additional coverages can be added to your policy to provide extra coverage when needed. Don't be left having to pay out-of-pocket in the event of a loss due to the fact that you don't have the proper coverage. For example, additional coverage for sewer backup protects your home in case of severe weather threats such as significant rainfalls. If a backed-up sewer discharges effluent into your home, you will be covered for damages if you have bought this additional coverage. What Are Some Additional Coverage Options For Your Home? Your home is likely your biggest investment. It makes sense to ensure it is properly protected with comprehensive coverages. Some additional coverage options that can be added to your home insurance policy include overland water coverage, service line coverage, sewer backup coverage, identity theft coverage, equipment breakdown coverage, scheduled items coverage, blanket jewellery coverage,...

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- Published: 2022-02-07
- Modified: 2022-04-22
- URL: https://staging.morisoninsurance.ca/insurance-terms/underwriter/

What Is An Insurance Underwriter? An insurance underwriter studies, assesses and measures risks for insurance firms. By utilizing tools such as statistics and actuarial tables, these risk-assessment experts figure out the risk level for losses and claims presented by prospective clients. Risk ranking enables firms to decide coverages and pricing for customers. What Does An Underwriter Do? Evaluating the likelihood of claims by comparing prospective customers' details against established information is the focus of an underwriting expert's job. Their examination is crucial before an insurer issues a quote to a prospective client. They need to find out the following: Does a future client represent a reasonable risk - someone less likely to incur a claim? Or is the client more likely to suffer a loss and have a claim? Risk experts also take into account the sizes of possible claims. Risk analysis is essential to a company's financial viability. Insurance companies need to make a profit. They need to manage risks to ensure total payouts for claims do not exceed the premiums collected. Why Are Underwriters Important? Underwriters are essential because their work explores levels of exposure presented by customers. Once risk and possible claims are assessed, an insurer can decide what coverages will be offered and the premium charged. Suppose a driver with serious driving infractions applies for insurance, such as accidents and speeding infractions. This driver's probability of encountering another problem is higher than a driver with no violations or claims, perhaps because he drives less safely. An...

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- Published: 2021-12-02
- Modified: 2022-04-22
- URL: https://staging.morisoninsurance.ca/insurance-terms/deductible/

What Is A Deductible? A deductible is the amount you share if you have a claim. Generally a deductible is $1,000 for home insurance and $500 for auto insurance. If you have a high value home or a very valuable vehicle, a minimum deductible may apply. If you have an at-fault accident or need a new windshield, your vehicle is vandalized or hit-and-run for a few examples, you would pay the first $500, and your insurance company would pay the balance. On the homeowner’s side, if you had a fire or a break in or a windstorm damaged your roof or caused a tree to fall on your property for some examples, you would pay the first $1,000 and your insurance company would pay the balance. Often people use their deductible as a guide to determine if they want to make a claim or not. Most people want to safeguard their claims free status and the discounts, perks that come along with it. If a loss is minor and around the amount you would need to pay, they may decide not to proceed with a claim for a minor event. There are some examples where a deductible may be waived, or not applied. Some examples include to repair a stone chip in your windshield, or if you are in a not at fault accident. Some companies offer the opportunity for their customers to have a disappearing deductible. This means it will get a little lower each year you are claims...

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## Brokers

- Published: 2023-07-06
- Modified: 2023-07-06
- URL: https://staging.morisoninsurance.ca/broker/joti-rait/

Navjot “Joti” Rait graduated from McMaster University with a Bachelor of Arts in Political Sciences and Women’s Studies before starting her career in insurance. Joti started her insurance journey in 2007, working for Bridgeport until they were purchased by Morison Insurance in 2010, and she has been a valued member of our team ever since. Having gotten her Registered Insurance Brokers of Ontario (RIBO) in 2007 and her Canadian Accredited Insurance Broker (CAIB) in 2009, Joti came to us as an already highly qualified broker. Specializing in high-net-worth clients, Joti has advanced her skills even further since joining our team. In her spare time, she enjoys reading and crafts with Cricut.

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- Published: 2023-05-12
- Modified: 2023-05-17
- URL: https://staging.morisoninsurance.ca/broker/kelly-feteira/

Kelly has worked in the insurance industry for over 20 years, with the last 9 being at Morison Insurance. Kelly graduated from Mohawk College in Hamilton, Ont. with a diploma in Office Administration in 2002. Before joining the insurance industry, Kelly worked as an assistant at an Optometrist's Office. However, not long after, Kelly began her career in insurance. She started in 2005 and grew her expertise by working at several companies before bringing that knowledge to Morison Insurance in February 2014 as a TSR/Underwriter. With a vast array of insurance knowledge, Kelly quickly changed positions to a Customer Service Representative (CSR), which allowed her to learn more about what the clients of Morison need and the best ways to help them. After growing her skills, Kelly was promoted to the lead of the CSR team. With her skills growing and wanting to expand her insurance knowledge, Kelly moved to the Sales team and was promoted to Sales Manager within no time. In 2023, with her Registered Insurance Broker Organization (RIBO) certification in hand, Kelly was promoted to Director of the Personal Lines team. This role allows her to oversee any new business generated in the personal lines sector. She works closely together with our insurance team. She continuously strives to provide our new customers with the best service so we continue to set new and exciting milestones. When not helping grow Morison Insurance, Kelly enjoys relaxing on the weekends to make herself a better member of the Morison Family...

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- Published: 2023-05-12
- Modified: 2023-06-07
- URL: https://staging.morisoninsurance.ca/broker/chantel-smith/

After attending and graduating from Fanshawe College, Chantel began her career as a dental assistant before switching to insurance. Chantel has been in the insurance industry for almost a decade now. Chantel is an absolute staple on the Morison Insurance team, having 8 years of experience in insurance. Having received her Registered Insurance Brokers of Ontario (RIBO) and her Chartered Insurance Professional (CIP) licenses, she has grown quickly as a personal lines manager specializing in home and auto insurance. She mostly works with Intact, Definity, Aviva & Gore Mutual. Always with an open mind, when she’s off of work, Chantel loves to travel the world, exploring and learning about the culture of each place she visits.

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- Published: 2023-05-12
- Modified: 2023-07-06
- URL: https://staging.morisoninsurance.ca/broker/jenn-tingey/

An attendee of both Brock University (neuroscience) and Niagara College (business management/accounting), Jenn has an impressive educational background and has been in the insurance industry since 2002. Having started with HJM Insurance and Cambridge Insurance, both of which are now Brokerlink, Jenn has been with Morison Insurance for over a decade, working mostly with Intact, Aviva, Definity and CAA, and specializes in personal lines insurance such as home insurance, and auto insurance. She has both her Registered Insurance Brokers of Ontario (RIBO), and has completed part 1 of her Canadian Accredited Insurance Broker (CAIB). In her spare time, she loves spending time with her family and her dogs and is currently taking a business management course at Toronto Metropolitan University (Formerly Ryerson).

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- Published: 2023-03-02
- Modified: 2023-03-31
- URL: https://staging.morisoninsurance.ca/broker/fred-morison/

After graduating from the University of Guelph in 1982 with a Bachelor of Arts (BA) in Economics and from Saint Mary's University in 1984 with a Master of Business Administration (MBA), Fred earned his Certified Management Accountant (CMA) designation. Fred then began to work in the insurance sector and became the President of CEO of Morison Insurance Brokers Inc in 1994. Since then, Fred has grown the business from 1 to 8 locations and from 4 staff to more than 90 across Southern Ontario. Morison Insurance serves the entire province of Ontario. The journey of Morison Insurance was highlighted in 2015 when the brokerage was awarded the IBAO Brokerage of the Year and the IBAO Innovation of the Year award in 2019. The Insurance Brokers Association of Ontario (IBAO) represents over 12,000 brokers throughout Ontario. The annual awards ceremony highlights outstanding members' achievements through their work and care for their clients. During his time owning and operating Morison Insurance, Fred held the position of Municipal Councillor of Ward 2 in Haldimand, Ontario, for 8 years. This allowed him to understand, interact and work with the citizens of Haldimand County. In his spare time, Fred has begun the process of becoming a private pilot. With many hours of training under his belt and many hours in the clouds. With more than 3 decades of experience in the insurance world and overseeing a staff of nearly 100, Fred is always looking to the best ways to provide Morison Insurance customers with continued...

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