A single hacked email. A malware-laced invoice. That’s all it takes to cost a small or medium-sized business thousands of dollars or bring your operations to a standstill.

If you had to act quickly when buying your home insurance, odds are you didn’t have time to shop around and look for discounts. So you’re likely paying more each month than you need to.

We know it might be frustrating to realize you’ve been overpaying. But there’s good news here, and it’s this:

If your goal is to save on home insurance, TONS of discounts for homeowner’s insurance can help you do just that going forward!

In this post, we explain the 15 most popular home insurance discounts in Canada and help you understand whether or not you qualify for them.

Read through the list, make a note of any discounts you think you could qualify for, and then bring them to your insurance broker (ahem – like us!) who can help you with this.

In Manitoba, you need homeowner’s insurance to secure a mortgage. So many Manitobans rush to secure it without taking the time to read their policy carefully and learn how it works.

That’s not the worst thing. It’s better to have coverage you don’t understand than to have no coverage at all! But home insurance policies are complex. Often, things you think should be covered aren’t. Or, the coverage you know you have doesn’t work the way you thought. Which could leave you financially vulnerable and unprepared.

Taking the time to understand your policy, like you’re doing now, is a really smart thing to do. Knowing more will remove some of the stress and uncertainty that comes with an insurance claim—and fill any coverage gaps before it’s too late to fill them.

Let’s get you feeling more confident about your homeowner’s insurance!

Prefer to skip the reading and talk to us instead? Go ahead and reach out!

We’re standing by to help you purchase, make sense of, or add to your homeowner’s insurance policy. It’s a lot to wrap your head around, but you’re not alone!

Most life insurance plans rely on death benefits: sums of money that get paid out when the plan holder passes away. These benefits matter, but because they’re only accessible following a death, they leave a gap in coverage. What happens financially if you or a loved one gets seriously sick or injured without passing away?

Critical illness and disability insurance are living benefits, and they exist to fill that coverage gap. But aside from that, they don’t have much in common. So it’s not simply a matter of picking one or the other.

Do you need both critical illness and disability insurance? And if not, which one is right for you? These are the questions we’ll help you answer today.

Prefer to skip the reading and talk to a human being?

Reach out and contact us. Our Insurance Consultants are standing by and ready to help you make sense of all this.

Employees want more and more flexibility from their employers. Time off. The option to work from home. Flex schedules. To stay competitive, businesses need to compromise. But while flexibility is great for work-life balance, it might not be what’s best for your bottom line.

An employee benefits plan (also known as a group benefits plan) is a comprehensive package of life, health, and wellness insurance coverage that can be tailored to meet the needs of your employees. All while respecting—and maybe even improving—your company’s bottom line.

Our goal with this post? To help you choose the right employee benefit insurance for your business. So you can reap all the benefits of offering insurance and avoid any would-be costs.

Already know you want employee benefits for your team? Or required by your union to offer them? Reach out to us. We’ll give you all the information you need and help you find a plan that aligns with your company values, your budget, and your employee’s needs.

If you’ve purchased a house recently, you’ve most likely been offered mortgage insurance by your mortgage lender or broker. Although the idea of protecting the biggest investment you’ll ever make is one we stand behind, it doesn’t mean mortgage insurance is always necessary. This is especially true if you’re covered by another policy, such as life insurance.

How does mortgage vs. life insurance work? Well, mortgage insurance ensures that if something were to happen, the amount remaining on your mortgage would be paid off. This payment goes directly to your lender and cannot be used for anything else.

In contrast, life insurance pays a non-taxable lump sum to your beneficiary if something unimaginable were to happen to you– the policy owner. This money can be used to cover expenses such as your mortgage or anything the beneficiary chooses.

In this article, we’ll explore how mortgage and life insurance policies differ and which one may work best for your unique situation. Our goal is to ensure your investment is properly protected without you having to spend any more than you need to on insurance.

Prefer to skip the reading and jump right to speaking to one of our insurance consultants? Go ahead and reach out!

Long gone are the days of people renting traditional venues for all their events. There has been a rise in the popularity of backyard rentals, whether that be for weddings, photo shoots, or other events. So, if you have a nice yard and like the idea of earning some extra cash (which, who doesn’t?!), then you’re probably wondering what you need to know before you take the leap and rent out your backyard in Manitoba.

We’re not going to beat around the bush; from an insurance perspective, renting out your backyard is an idea covered in caution tape and warning signs. That’s not to say you can’t do it, but if you do, you’ll definitely want to make sure you purchase the right insurance (and enough of it!). Without proper protection in place, your rental could turn from a money maker to a money pit. Yikes.

So whether you’ve considered renting out your yard or know someone who has, listen up. This is a post you cannot afford to skip.

Already committed to renting out your yard? Reach out to our team. We’ll help ensure you’re protected from every angle so you can rest easy knowing that if something goes wrong, you’re covered.

You’ve probably heard your friends, family members, or neighbours talk about using an insurance broker when buying property insurance. Although you’re not against the idea, you’re also not exactly sure what benefits utilizing an insurance broker could provide. As of right now, it just sounds like more work to do.

So, what are some reasons why you should use a house insurance broker when insuring your Manitoba property?

An insurance broker can help make getting a property insurance policy very simple! They’ll also help you shop around to lock in the best rate and ensure you get a policy that best suits your needs. Also, if you need to make a claim down the road, they can walk through the process with you. Think of them and your insurance cheerleader.

In this post, we’ll look more closely at why your friend, family member, or neighbours decided to go with a home insurance broker and why we think you should, too!

Rather directly discuss what an insurance broker does or how they could help in your specific situation? Go ahead and reach out! We’re always here to chat.

If you’ve recently got married or are weeks away from tying the knot, you may be wondering, how does insurance change as a married couple?

Even though the marriage itself doesn’t change your insurance requirements and needs, having another person in your life that you care deeply for, and are financially tied to, does.

Marriage, as with other significant life events, is a great time to take stock of your current insurance policies. Now is a good time to ensure that you not only have the right coverage, such as life, disability, or critical illness insurance– but that you have enough of it.

In this blog, we break down what insurance we recommend having as you enter this new chapter of your life and some things to consider as you work on getting and/or updating the coverage you have.

Have specific questions you’d rather speak directly to an insurance advisor about? Contact us today!

Finding a gift for a loved one that will actually get used can be a tough feat. This is why gifting a life insurance policy can be a great idea. And although gifting a life insurance policy may not be as glamorous as a luxury blanket or a new iPad– it is truly a gift that will last a lifetime – and then some!

Gifting a loved one their own life insurance policy can guarantee their insurability later in life, protect them against the unknown, and provide access to cash for future endeavours.

Want to learn more about why gifting a life insurance policy is a great option and how you can get started today? Then keep reading because we dive into these topics and more in today’s blog post!

Already sold on the idea of gifting someone with their very own policy? Get in touch! We’ll answer all your questions, and if you’re ready, help you acquire the best policy for the person you’re gifting it to.