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Does a Hit and Run Increase Your Insurance Premium?

Does a Hit and Run Increase Your Insurance Premium?

Few things feel more frustrating than discovering damage to your vehicle and realizing the driver responsible is long gone. Hit-and-run incidents can happen anywhere. Parking lots, driveways, side streets, or during an unexpected bump at a stoplight. And the question most drivers want answered is whether their insurance premium will increase after something like this […]
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Thinking About a Wood or Gas Stove? Read This First

Thinking About a Wood or Gas Stove? Read This First

Wood and gas stoves are back in style. Many homeowners are turning to them for the charm, the cozy aesthetic, the nostalgic winter atmosphere, and the appeal of having a reliable heat source during colder months. Whether used as a primary heater or a supplementary feature, these stoves offer warmth, efficiency, and ambiance that modern […]
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Myths About Car Insurance That Could Be Costing You

Myths About Car Insurance That Could Be Costing You

Auto insurance comes with a lot of opinions, assumptions, and stories people pass around as fact. Many of these ideas sound believable, but they often steer drivers in the wrong direction. Understanding what truly affects your premium and what has no impact at all helps you make better decisions and avoid unnecessary surprises. Here are some […]
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Driver holding a steering wheel on a busy highway in traffic, illustrating driving with g2 license restrictions.

What You Need to Know

Getting your G2 licence is one of the most exciting moments for any Ontario driver. It’s the stage where you finally gain real independence on the road, no instructor, no co-driver, just you and the open highway. But with that independence comes responsibility. The G2 restrictions are designed to make sure new drivers build strong, […]
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Why We Trust Commonwell for Your Coverage

Why We Trust Commonwell for Your Coverage

When it comes to protecting what matters, whether it is your home, farm, vehicles or seasonal property, you want an insurer that understands the value of community, flexibility and trust. That is why we are proud to partner with Commonwell Mutual Insurance Group. Their commitment to smaller communities, broad product range and member focused approach […]
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Does Your Vehicle Attract Thieves?

Does Your Vehicle Attract Thieves?

Although vehicles in general are attractive items for criminals to steal, recent data from the National Insurance Crime Bureau (NICB) confirms that certain vehicle models are hotter commodities for thieves than others. How valuable your vehicle is to a criminal can depend on a wide range of factors—including how effective your security systems are and […]
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Keeping Our Workplace Violence-Free - INSURICA

Keeping Our Workplace Violence-Free – INSURICA

Although we do our best at to keep the workplace safe, violence inflicted by an outsider or between employees remains a serious safety and health issue. It can occur inside or outside the workplace and can range from threats and verbal abuse to physical assaults and homicide. In fact, according to the United States Department […]
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Gag Clause Attestation Deadline: December 31, 2025

Gag Clause Attestation Deadline: December 31, 2025

Employer-sponsored group health plans must submit their 2025 Gag Clause Prohibition Compliance Attestation (GCPCA) to CMS by December 31, 2025, to confirm compliance with federal transparency rules. This annual filing covers the 2024 calendar year and applies regardless of employer size or funding arrangement. What is a gag clause? A gag clause is a contractual […]
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Fertility, Family Planning, and Parental Leave Are Front and Center

Fertility, Family Planning, and Parental Leave Are Front and Center

In 2025, family-building support has emerged as a defining priority in employee benefits strategy. Fertility coverage, inclusive parental leave, and caregiving support are no longer niche offerings — they’re central to how employees evaluate workplace value. As life paths diversify and caregiving responsibilities expand, benefits managers are rethinking what it means to support the whole […]
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Personalization Now a Baseline Expectation in Employee Benefits

Personalization Now a Baseline Expectation in Employee Benefits

In 2025, personalization has moved from “nice to have” to “non-negotiable.” Employees expect benefits that reflect their individual needs, values, and life stages. Static, one-size-fits-all plans are being replaced by flexible, modular offerings that empower employees to choose what matters most. This shift is not just anecdotal — it’s backed by data. According to ADP’s […]
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