Managing Risk Around School Construction & Renovation Projects

February 10, 2026
Agent7

School construction and renovation projects are essential for maintaining safe, functional, and modern learning environments. Whether a district is expanding due to enrollment growth, upgrading aging facilities, or making safety improvements, construction activity introduces a level of risk that goes well beyond the worksite itself. When projects occur on active campuses, those risks extend to […]

How Employers Are Responding to Rising Employee Expectations in 2026

February 9, 2026
Agent7

Over the past two months, several major surveys — including the 2025 SHRM Employee Benefits Survey, the ADP TotalSource Employee Benefits Survey, and the 2025 National Benefits Survey — have painted a clear picture: employees are demanding more meaningful, more personalized, and more supportive benefits than ever before. Employers, facing a tight labor market and […]

2026 Compliance Update: More on Last Month’s Key Regulatory Changes

February 8, 2026
Agent7

In our January issue, we outlined the major compliance themes shaping 2026. This month, we build on that foundation with a deeper look at the annual updates, effective dates, and action steps employers need as the new year begins. As employers enter 2026, a wave of regulatory updates, benefit limit changes, and new reporting requirements […]

Marketplace Coverage and Employer Plans: What Employers Need to Know

February 7, 2026
Agent7

As Marketplace health plan premiums rise and subsidies shift, employers are seeing more requests from employees (and their spouses) to drop Marketplace coverage and enroll in an employer-sponsored health plan mid-year. While this may feel straightforward, Marketplace rules and employer plan rules do not always work the same way. Marketplace Rules vs. Employer Plan Rules […]

Who Pays If Someone Else Crashes Your Car?

February 6, 2026
Agent7

Lending your vehicle to a family member or friend might seem harmless – especially if it’s just for a quick errand or a short trip. But what many drivers don’t realize is that if the person behind the wheel gets into an accident, your insurance is usually the one that responds, not theirs. In Ontario, […]

Myths Your Neighbour Probably Told You (That Aren’t True)

Common Insurance Myths (That Aren’t True)

February 5, 2026
Agent7

Most people have that neighbour – the friendly advice-giver who swears they “know how insurance works” because “that’s how my cousin’s policy used to be.” And while the intentions are good, a lot of the insurance “facts” that get passed around the driveway or over the fence are myths that stopped being true a long […]

If You Win the Lottery... What Insurance Should You Get First?

Won the Lottery? Here’s the Insurance You Need

February 4, 2026
Agent7

Most people have played the “what if” game at least once. You buy a ticket, imagine your numbers coming up, and suddenly your life looks completely different. New home. Travel. Helping family. Maybe early retirement. But there’s one part of the fantasy most people don’t consider until reality sets in: how do you protect a […]

9 Yard Clean-Up Hacks for a Wet Ontario Fall

February 3, 2026
Agent7

Fall cleanup is a chore in any year, but a wet October makes it even trickier. Saturated lawns, clogged gutters, heavy leaves and lingering moisture can snowball into bigger problems once temperatures drop. The good news? A few smart hacks can turn fall yard prep from an uphill battle into a manageable weekend project, without […]

The Spookiest Things Actually Covered by Insurance (Yes, Real Stories)

February 2, 2026
Agent7

Halloween has a way of turning everyday homes into mini haunted houses, and sometimes, those decorations and festivities come with unexpected side effects. From runaway inflatables to overambitious DIY electrical setups, October seems to inspire some of the strangest claims homeowners make all year. Here are a few real (and surprisingly common) Halloween mishaps […]

A car represents a comprehensive guide to G1 restrictions in Ontario for 2025.

G1 Restrictions in Ontario 2025

February 1, 2026
Agent7

What Is a G1 Licence?A G1 licence is the first stage in Ontario’s Graduated Licensing System (GLS), designed to introduce new drivers to the road in a structured, lower-risk environment. It allows novice drivers to gain practical experience while following strict rules that limit exposure to high-risk situations. According to the Ministry of Transportation’s Official […]