We’re excited to announce that Mass Insurance was acquired by NFP, a leading insurance broker and consultant providing customized employee benefits, property and casualty, retirement, and individual solutions. With access to NFP’s expanded offerings, specialized intellectual capital, and cross border reach, this continues to be a fantastic move for our team and the clients we serve.
As part of the acquisition, you will begin to see a gradual transition of our legacy brand to NFP over the next few months, including all of our materials and communications. NFP’s presence in Canada is now 750 employees strong and operating under a unified brand provides the connections and cohesiveness that will elevate the solutions we provide to you.
While our brand is changing, you will continue to work with the same people you have before. One of the most compelling factors in our decision to join NFP was their commitment to creating a culture where employees are respected and appreciated. This commitment, which seen in practice every day, as well as access to the products, services, and expertise across NFP, better positions us to help you overcome challenges and meet your goals.
We look forward to demonstrating how being part of an international company enhances the value we provide to you, including a wide array of products and services not typically available from a single firm, including:
We appreciate our relationship with you and the opportunity to continue working together. With the strength of NFP, we’re more energized than ever about serving you and exceeding your expectations.
It’s a common misconception that a standard home insurance policy covers you during renovations. This is not always true. Minor renovations are often covered. However, major renovations are not typically covered by a standard home insurance policy.
As soon as you decide to start a home renovation, make upgrades to your home, or to build a home, you need to contact your insurance broker. Your broker can help you determine if additional coverage is needed while your renovation or build takes place. Since most policies contain some exclusions or certain requirements with respect to renovations or construction, it is in your best interest to always inform your broker to avoid a claim being denied in the event of a loss.
Your home is likely one of your biggest assets and making sure it is properly covered if a loss occurs is our top priority. Depending on the nature of your renovation, your premium could rise since additional coverage will be required, or rates could be reduced if you’re updating old for new, so it’s always best to keep your broker informed.
Some renovations that require more coverage and can increase your rates may include:
Some renovations that can help reduce your premium include:
Another important factor to consider when renovating is the coverage of the contractors performing the work. If a person is injured during the renovation, you could be held liable.
Remember, it is your right to ask for your contractor’s proof of insurance and WSIB registration.
If you are hiring an Electrician, ensure you obtain their Electrical Safety Authority (ESA)/Electrical Contractor Registration Agency (ECRA) licence number. This same number should appear on all documentation provided to you throughout your renovation.
Unfortunately, home renovations don’t always go as expected. If your renovation plans change at any point, contact your broker to ensure your coverage is continued or adapted, as needed.
Renovating a new home and selling your old home? Your broker can help guide you through the required steps.
It’s important to remember that you need to keep your existing home insured until its sale has closed. This means, you may need to carry multiple policies at one time.
Contact your broker today to learn more.
Vehicle breakdowns can be a frustrating part of vehicle ownership, especially in cold or wet weather. But, being prepared can make a breakdown much less stressful.
Next to preventative maintenance, the best thing you can do is be prepared in the event your vehicle breaks down. Always have a working cell phone with you and have emergency assistance/roadside assistance numbers programmed into your phone. Being extra prepared can ensure you are safe and comfortable while waiting for help to arrive. We recommend keeping a emergency kit in your vehicle that includes:
At the first sign of vehicle trouble, pull onto the highway shoulder to your right as quickly and safely as possible. Remember to signal during a highway breakdown, and try to remain on level ground. Keep in mind, snow can make the road shoulder appear larger than it is.
Once safely stopped on the side of the road, engage your parking brake and turn your steering wheel in the opposite direction of the road.
If you need to pull onto the left shoulder, ensure that you are as far away from moving traffic as possible. If you cannot pull off the road, turn on your hazard lights. Do not risk injury by attempting to push your vehicle to a safe location.
Immediately turn on your emergency flashers to signal a problem. If it is safe to exit the vehicle, use hazard triangles or flares to alert other motorists of a problem. Place the triangle or flares approximately 15 metres behind your car to give other motorists adequate notice. Also, raise your vehicle hood or tie a white cloth to your door handle as a signal for assistance from police or other motorists.
If your vehicle presents a danger, call 911 immediately. Note your location, using your phone or vehicle GPS, closest exits or buildings and landmarks.
If there is no danger and your vehicle is not blocking a major road, you may decide to call non emergency services such as your mechanic or your roadside assistance provider. Next, call a family member or friend and advise them of your situation and location.
Your best option is to stay in your vehicle during a highway breakdown while waiting for help to arrive. While in your vehicle, keep the doors locked and your seatbelt fastened. Don’t leave the engine running for extended periods, as it can put you at risk of carbon monoxide poisoning. If the rear end of your vehicle is in a snow bank, do not run the engine.
Always exercise caution when accepting help from strangers. If you are suspicious, only lower your window enough to talk and let them know help is on the way, or to ask them to make a phone call for you. If you are threatened by a stranger, call 911. You can also honk the horn repeatedly and flash the lights to attract the attention of other motorists.
Only wait outside the vehicle if it is clearly unsafe to remain inside. When exiting the vehicle, always use the door on the opposite side of the roadway. Remember to never step onto the road and always be mindful of the traffic and moving cars around you.
Even small seemingly changes can add up to big benefits when you’re trying to save money. These tips outline some of these clever ways you can save more at home and on the road in 2020.
Heat can quickly escape through cracks around doors and windows. Seal large windows with cellophane by taping it to beyond the window frame. For doors it’s best to use weatherstripping on the top and bottom of the door, as well as a silicone sweep for the space between the bottom of the door and the threshold.
If your home is empty for most of the day, there’s no need to keep it warm and cozy. With a programmable thermostat, you can set the temperature to drop once you’re out of the house, and rise again before you return. Dropping the temperature by a few degrees for 8 hours a day can lead to considerable savings. Just make sure to set the temperature up 30-45 minutes before you return, so you don’t come home to a cold house.
Since they are on 24/7, your fridge and freezer tend to consume more energy than all other household appliances combined. Clogged air vents can cause them to work extra hard to keep your food chilled, and eat up more energy than needed. Defrost and a clean on a regular basis, and keep the area around the vents clear at all times.
This escape route for warm air is often overlooked. Using a special chimney balloon to block the damper is a great way to minimize heat loss. Make sure you consult your fireplace specialist to ensure you get the right one for your needs, and install correctly. Just make sure to clear it when you light up a fire!
You can perform a basic cleaning on these units yourself by consulting the owner’s manual. If something doesn’t seem to be working right, don’t hesitate to call a professional for an annual inspection.
Looking for ways to save on the road? Here are our top 5 money saving tips for Ontario Drivers.
Taking advantage of the benefits of technology can be a huge money saver when it comes driving. Smartphone applications can save you time, gas money and wear and tear on your vehicle. Check out the following applications:
But, don’t forget to go hands-free when using these apps. A distracted driving charge can cost you a licence suspension, fines or, worse – you could cause an accident.
Do you drive a truck or SUV? The average truck costs approximately $3,000 in gas money every year. Downsizing to a smaller compact SUV or sedan can help save a significant amount of money at the pump.Switching to a hybrid or electric vehicle will save you even more. Also, hybrid and electric vehicles tend to be cheaper to purchase and repair vs. gas powered vehicles.
The type of vehicle you drive also affects your insurance rate. In general, a truck tends to be more expensive to insure than a smaller sedan or compact vehicle.
Every vehicle requires regular maintenance to ensure it keeps running smoothly and safely. Keeping up your vehicle’s regular maintenance can help you save more in the long term. Ignoring scheduled maintenance can lead to bigger problems with your vehicle. Remember, a vehicle operates as one complete system. When one thing is out of order, other aspects of the system can be negatively affected.
If your engine light pops on or you hear a strange sound, be sure to get it checked immediately. You may wind up saving yourself thousands of dollars on what would have otherwise been a simple fix.
Violating traffic laws can wind you up with tickets, or worse. Not only do you have to pay fines associated with your violation, you may face increased insurance rates as a result. If you’ve been convicted of a serious offence or multiple offences, your provider may cancel your insurance. With a bad driving record, you will require high risk insurance. On average, high risk drivers can expect to pay up to 25% more for their insurance.
Additionally, erratic drivers tend to burn far more gas than drivers with more moderate driving habits. So, avoid sudden increases and decreases in speed to help save more than just your driving record.
Have your coverage needs changed? Added winter tires to your vehicle? Call your broker for a policy review. Your broker will ensure your information is up to date to get you the best rate.
More fatalities occur on Canadian roads during the summer months than at any other time of year, according to the Canada Safety Council. Whether you’re out for a day trip, heading to the cottage, or taking a cross-country holiday, put safety first when you set out on your travels.
Here are some helpful tips to help you have a safe trip this summer:
This may seem obvious, but it is worth mentioning. The vehicle you plan to use for the trip must be in excellent condition. When was the last time you had an oil change? Does the windshield have any chips? Are the batteries, tires, and engine in good shape?
Get your vehicle in for a checkup before you hit the road.
Driving in bad weather isn’t fun and when things get rough, you may be forced to cover half the distance you intended to travel each day.
Check the type of weather you’ll expect during your road trip. If severe weather is forecasted, consider rescheduling your travel dates. Nonetheless, some little rain shouldn’t stop you from having fun.
Safety should always be your number one priority, especially when it comes to traveling with your friends and family. Ensure you have essential items such as spare tires and a jack for minor emergencies.
For major emergencies, roadside assistance may take a long time to arrive, especially if you’re in a remote area. To be on the safe side, pack items such as a first-aid kit, jumper cables, a flashlight, extra water, and a blanket. Also, charge your cell phone fully or carry a solar charger – you will need it to keep in touch with others during the emergency.
Too much luggage cramps your style when taking a road trip!
Water bottles and other small items should be put away. Don’t allow anything to roll around your feet inside your vehicle. Loose items near the driver can be a major safety hazard.
Additionally, avoid obscuring the rearview mirror and the blind spots on both sides of the vehicle. Poor packing makes it difficult to notice the cars around you.
When traveling with children, you will need to go a step further to maintain travel safety. Apart from the general car safety rules, ensure that you get the right car seats for your kids and install them correctly. It’s also great to consider bringing more water and snacks when traveling with kids so that everyone can remain happy as you travel.
Conduct periodic checks with your passengers to see if a pit stop is needed along the way. That way, you can leave plenty of time for lane changes to exit the roadway safely.
Sleep is a vital form of preparation for anyone who wants to take a road trip. Fatigue leads to poor driving and even caffeinated drinks can’t help you with this.
Go to bed early on the night before your trip. If you get tired while traveling, just pull over and take a little nap. If you have another driver, this would be the best time to switch. It’s better to arrive a little late than take an unnecessary risk.
Happy road tripping!
For many people, boating or road tripping is an integral part of their summer activities. Learning how to tow a boat or trailer opens to the door to so many options, from switching up your coastal destinations to exploring remote fishing spots. Here’s how to get started:
A crucial part of comfortable and effective towing is having – or borrowing – a truck that accommodates your gross combined vehicle weight, also known as GCVW. Calculate this by adding the weight of your boat, trailer and vehicle and make sure said vehicle has a GCVW that’s larger than that number. Make sure it comes with a tow package, including a tow hitch that’s the appropriate class. Hitches range from a Class I, typically suitable for boats under 2,000 pounds, to a class V, which can accommodate up to 18,000 pounds.
Depending on the length of your vehicle, boat and/or trailer, you may want to consider additional side mirrors. Extended mirrors can extend your line of vision down the length of your boat while driving to reduce the size of your blind spots.
Before you attach your vehicle to your trailer or boat, it is a good idea to prepare the boat or trailer for travel on the road. Ensure there are no objects that may rattle around and cause damage while driving. Secure any windshields, oars, safety kits, life jackets and fuel you may have on board.
If your boat has a tarp, be sure to inspect the tarp for damage before hitting the road. Even a small tear can end up being torn open at highway speeds.
If you are using straps to secure your motor or other components, be sure to check that all straps are secure and loose ends are tucked away neatly.
Once you’re ready to hitch up and get on the road, align the tow hitch with the ball on your vehicle and slowly lower the hitch over the ball. Close the latch and insert the safety pin, a crucial piece of equipment that ensures your rig stays connected if you hit a bumpy stretch. Apply your safety chains and cross them. This ensures the trailer tongue won’t hit the road and get damaged if the hitch comes loose. If you’re using a trailer with brakes, attach the safety line to your vehicle.
Be sure to plan your route before you head out. Knowing your route before hand can help avoid unexpected construction or last minute lane along the way. With a solid plan and a trusty co-pilot, you can ensure the safest path while towing.
Don’t be too eager to head out and forget your safety check! Make sure you plug in the lights and ensure they’re all working. This is a great time to do a 360-degree walk around, checking tire pressure, boat attachments and double-checking the trailer hitch.
As you head out on the road, boat in tow, be aware that hauling so much extra mass requires a bit of extra care. It’s a good idea to use extended side mirrors, so you can get a clear view of what’s behind you. Make wide turns to avoid clipping other vehicles or roadside obstructions. Remember: you’re now towing a significantly heavier load than usual, so your breaking distance will be increased. Leave extra following room between you and surrounding vehicles. Once you’re at the boat ramp, back the boat carefully into the water. Do this before you remove the safety chain and winch strap, so the trailer doesn’t slip off the rig.
Hauling a boat or trailer is definitely a different feel than just driving a truck around. It’s a great idea to master backing up, turning corners and just get the feel of your rig in a controlled environment first. Empty parking lots are perfect for this. Once you feel confident about these manoeuvres you can try longer trips or busier stretches.
While learning to tow a boat requires practice and precision, it’s a great way to increase your location options. Whether you want to make your way through Ontario’s cottage country at a leisurely pace or head farther north for some optimal fishing, this is the way to ensure freedom is at your fingertips!
A missed insurance payment can affect your insurance rate for up to 3 years.
In the chaos of day-to-day life, bills can pile up. It’s not that uncommon to forget about a bill payment or feel that end-of-the-month crunch and think about deferring. Choosing to forgo an auto insurance payment, however, is a different ballgame.
Unfortunately, missing even a single premium can cause you a lot of problems and missing more than one can really cause things to spiral out of your control. If you are – or think you might be – late with an insurance payment, call your provider immediately and see if they offer a grace period or can work with you to sort something else out.
Otherwise, you could face higher monthly payments and pesky NSF fees until you’ve paid. This affects your credit rating and could impact your policy renewal. You could also face cancellation of your policy altogether, which can really be a problem for Ontario drivers who rely on their vehicle.
Let’s take an in-depth look at what missed insurance payments can really mean for you:
Though your insurance provider might offer you a few days grace period to send some funds over, chances are if you’ve missed a payment, sooner or later you’ll be paying for it. Failing to pay your insurance can result in a surcharge or daily fee until your payment is made in full. The longer you wait to pay, the more you’ll be charged, so it’s best to address this as soon as possible. Unpaid instalments can also negatively impact your credit score and it can take years for that to reverse itself. As you’ll see below, these can be just the start of some serious consequences.
Unfortunately, missing one or more insurance payments can land you in the “high risk” category. For one thing, it can mean you’ll be stuck paying higher monthly costs. Based on this designation, your current insurer may choose to increase your premium when it’s time to renew your policy, or decide not to renew it at all.
In the event that you find yourself shopping for another insurance provider, it can also mean that you’re less likely to get coverage from new provider. In today’s market, many insurers will not insure clients with missed payments. Missed payments can stay on your record for up to ten years.
This is the most extreme possibility, but it can and does happen. In Ontario, a cancellation of your policy can have grave consequences. Why? Ontario has compulsory auto insurance, therefore, every vehicle driven in the province requires insurance. Without valid insurance, driving your vehicle becomes illegal and you can face serious consequences if you violate this. If you’re stopped by law enforcement and can’t show proof of insurance – or don’t have coverage at all – you could be fined. A fine can cost you anywhere from $5,000 to $25,000. You may also face vehicle or license suspension of up to a year.
In itself this can cause a lot of problems, especially if you rely on a vehicle to get to work, run errands or transport family members. Naturally, you will face even more serious penalties if you are a high risk driver or have other driving-related offences on your record.
Lastly, without valid insurance, you are not protected in the event of an incident. This can lead to much bigger problems. If you damage another vehicle, a person or someone’s property while in your car and don’t have auto insurance, you’re more likely to face jail time.
A missed insurance payment can be a major inconvenience. With a bit of planning, you can ensure you never have to deal with this. Here are some tips:
Just like with credit card or utility payments, forgetting one payment can cost you more money. A missed insurance payment can also affect your credit rating long-term and cause inconveniences in your day-to- day life.
Make sure you keep on top of your finances to avoid financial penalties or suspension of your auto insurance.
Peer-to-peer rental can be a great way of covering the ongoing costs of Recreational Vehicle ownership.
Aviva Canada has recently partnered with peer-to-peer rental network, Outdoorsy. Outdoorsy came to Canada in 2017. The online platform provides an easy to use peer-to-peer rental service so that you can rent your RV safely and securely.
If you’re thinking of listing your Recreational Vehicle on Outdoorsy, you will need added protection to ensure your home away from home is covered. By adding Aviva’s new RV rental network endorsement to your existing Aviva policy, you can rent your RV knowing you’re covered in the event of a claim.
Once the endorsement is added, your RV is covered by Outdoory’s commercial RV -sharing insurance policy. The coverage begins during the rental delivery and rental period.
To find out more, visit Aviva.
If you’re interested in adding Aviva’s RV rental network endorsement to your policy, contact us today.
Owning a motorcycle can be one of the most exhilarating things in life, but according to statistics from the National Safety Council, a motorcycle accident of serious bodily injury happens every 6 minutes. Motorcycle Insurance is very much needed!
Motorcycle theft is also on the rise—and only 20-25% of motorcycles that are stolen are ever found.
Aside from the requirements of the law, 80% of all motorcycle crashes result in a fatality, which is a startling reminder why complete protection is essential if you are a motorcycle owner.
If you think motorcycle insurance is “wasted” expense, think again: Insurance is more about managing your risks above any other consideration. Without insurance, all it takes is one accident to drain your savings or your ability to pay medical expenses for yourself or someone else you’re responsible for.
At Mass Insurance, we are here to make sure you have the right coverage for your needs, and that means we will do our best to get you the best coverage for the most reasonable cost.
We’ve been doing this for a long time and know lots of ways to save and even more ways to protect you and avoid any dangerous insurance gaps.
There are mandatory minimums, of course, but you may wish to consider other options on your bike, which are reasonably priced extras that can give you more comprehensive coverage, and better peace of mind, including:
You can trust our team at Mass Insurance when you need to make a decision on motorcycle insurance. We have several A+ rated insurance carriers we can shop with, to make sure you get the very best Motorcycle Insurance and the lowest premiums. We also offer a number of insurance discounts, such as:
You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for.
Let our brokers help you get the coverage you need. Call Mass Insurance today.
Your home, tenant and/or auto insurance policies typically include some personal liability coverage. However, in some cases, that coverage may not be sufficient to protect you in a major claim or lawsuit. Umbrella Insurance covers you in the event you are required to pay legal fees or damages relating to bodily injury, property damage or medical expenses.
You may consider Umbrella Insurance if you:
Umbrella insurance takes effect only after your primary coverage (through your home or auto policy) have been completely exhausted.
If you’re unsure whether or not you need Umbrella Insurance, call and speak with your broker today. They can help you assess your lifestyle and determine if Umbrella coverage is right for you.