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How Life Insurance Fits Into Your Long-Term Financial Plan

Life Insurance & Your Long-Term Financial Goals

When people think about financial planning, they often focus on investments, savings, and retirement accounts. While those are key components of any plan, there’s another piece that’s just as important, and often overlooked: life insurance. Life insurance isn’t only about preparing for the unexpected. It’s about ensuring that your financial goals stay on track, even if […]
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Cars parked in an outdoor lot surrounded by fall foliage.

Ontario License Plate Renewal 2025

Common Issues and How to Resolve ThemEven with a simplified system in place, many drivers in Ontario still encounter problems when trying to renew their licence plates. One of the most common issues is outstanding fines or unpaid toll charges. These financial obligations create an automatic block in the system, meaning renewal cannot go through […]
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Are You Liable if Someone Gets Hurt on Your Property This Halloween?

Halloween Liability: Are You Covered at Home?

More Visitors Means More RiskHalloween is one of the few times of the year when homeowners intentionally invite dozens of people onto their property – many of them children, walking in the dark, distracted by costumes, candy, and excitement. When someone steps onto your walkway or porch, you take on something called a duty of […]
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Your Home's Value Changed - Did Your Insurance Keep Up?

Home Value Changes: Is Your Insurance Updated?

Between rising construction costs, material shortages, and an increasingly competitive real estate market, many Ontario homeowners have seen the value of their homes jump in the past few years, sometimes by hundreds of thousands of dollars. But while most people celebrate increased property value, very few stop to consider whether their insurance coverage has kept […]
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Setting Your Small Business Up for a Stronger Year Ahead

Small Business Insurance Checklist for Ontario

Running a small business means things change quickly. Revenue grows, services expand, new equipment gets added, and contracts get bigger. But many Niagara business owners don’t review their insurance as their operations change.The start of the year is the best time to step back and make sure your coverage still matches your risk. Even small […]
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Workers’ Compensation in Schools: Preventing Common Staff Injuries

Workers’ Compensation in Schools: Preventing Common Staff Injuries

School districts work hard to keep students safe, but employee safety deserves the same level of focus. Workplace injuries not only impact staff well-being, they can also lead to higher workers’ compensation costs, staffing disruptions, and operational strain. By understanding the most common school staff injuries — and proactively addressing their causes — districts can […]
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July 2026 Ontario Canada Auto Reform Information

Ontario Auto Insurance Changes 2026

Ontario is making significant changes to auto insurance starting July 1, 2026. As Ontario insurance brokers, the team at Duliban Insurance is already helping drivers understand how the new modular system will affect their coverage, their costs, and their financial protection after an accident. The province is moving away from a one-size-fits-all model and toward a […]
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Managing Risk Around School Construction & Renovation Projects

Managing Risk Around School Construction & Renovation Projects

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 […]
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How Employers Are Responding to Rising Employee Expectations in 2026

How Employers Are Responding to Rising Employee Expectations in 2026

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

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

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 […]
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