Distracted Driving – A Growing and Dangerous Trend in North America

Couple smiling in a car

There are many studies and statistics on this topic.  Distracted driving has been around for years.  Early distractions included eating or drinking while driving, adjusting climate or entertainment systems, applying make-up or checking your appearance in internal mirrors and the most obvious situation is with distractions created by interaction with other passengers in the vehicle.

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Why get Cyber Risk Liability Coverage?

“There are only two types of companies: Those that have been hacked and those that will be.” In 2012, the average cost of a data breach was $8.9 million. 50% of attacks in 2012 were aimed at businesses with fewer than 2,500 employees and 31% were targeted at businesses with less than 250 employees. A […]

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Changes to Snowmobile Act – What You Need to Know

yellow snowmobile

Snowmobiling is both an exciting recreational activity and a method of winter travel in Ontario. In Spring 2001, changes to the Motorized Snow Vehicles Act and supporting regulations, and the Trespass to Property Act were made to enhance snowmobile safety and enforcement, and improve trail sustainability. This information package identifies these changes and outlines how […]

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Why Your VIN Code is Important


You open your mail and there is the infamous “120 day letter” from the Ontario Ministry of Transportation (MTO). You have four months to get your Vehicle Identification Number (VIN) corrected, before your license plate expires. Huh? Why is your VIN so important?

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Excluded drivers

parent offspring conflict

Wouldn’t it be great if we could prevent high-risk drivers from operating insured vehicles? Wait, yes we can… it’s known as the “excluded driver” endorsement, as outlined by the Ontario Insurance Act. The endorsement has the harsh result of denying coverage under an automobile policy, so it’s worth knowing about and taking seriously.

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