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insurance riders for collectibles

Are you a collector of rare items? If you enjoy collecting things like antiques, coins, stamps, sports cards or anything else that increases in value as time goes by, you must be sure that your insurance policy will cover the cost of loss or damage if something was to happen. I created this blog after losing everything to a house fire. When I went to file my claim, I was shocked and very disappointed to find out that I wouldn't be receiving nearly enough of a payout to cover my investment. I created this blog after I learned that very difficult lesson to help others learn about insurance riders for their collectibles.

4 Reasons Why Self-Employed Workers Who Telecommute Need a Home Insurance Policy

As of October 2015, more than 1.5 million Canadians are self-employed, and that figure increases by approximately 500,000 each year. If you belong to the growing group of self-employed workers and plan to conduct the majority of your business from home, make sure your budget includes funds for a home insurance policy. Whether you've owned a house for years or just recently begun renting an apartment, here are four reasons why a home insurance plan is important for self-employed workers. Read More 

Car Upgrades That Can Decrease Your Insurance Premiums

There are all kinds of tricks that drivers use when looking for cheaper car insurance. You shop around to see if other companies are offering lower rates. You look through your club memberships and professional affiliations to see if one of them might net you a discount. You may even base your choice of a new car partially on the cost to insure that car. But what you may not realize is that you can often get cheaper insurance just by improving the car that you already have. Read More 

Fix Your FICO To Improve Your Insurance Rates

Would it surprise you to find out that your late bill payments are likely affecting your insurance rates? They are, in fact, related. If you regularly make late payments, have been sent to collections for unpaid bills, or have high credit card debt, your wallet's going to take a hit when premiums are due. Improving your FICO, or credit score, can help you get better car insurance rates. Understanding Credit-based Insurance Scores Read More 

What Every Small Business Owner Must Know About Letting Employees Drive For Work

If you're a small business owner, there are many risks to consider, and one of those is letting your employees drive for work-related errands. Accidents happen, and if your employee is responsible, you can be held responsible. If your employees drive to complete work-related activities, you must check out these four important facts. It's Your Job to Hire Smart Drivers and Promote Safety As an employer, it's your responsibility to ensure the employees you allow on the road for work-related business are safe drivers. Read More 

Reducing Small Business Liabilities: Protect Electronic Information And Data With A Data Breach Policy

Small businesses are flourishing in Canada. Out of 1,107,540 employer businesses in Canada, small businesses make up 1,087,803 of employers — roughly 98.2%. As society progresses, small businesses have a heavier reliance on technology with many business operations relying heavily on custom software. With a lot of confidential and private information and data stored electronically, protect your business' reputation and reduce liabilities by investing in a data breach insurance policy.  A Look at Data Breach Insurance Policies Read More