Understanding Educators Legal Liability (ELL)

November 4, 2025
Agent7

Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide defense […]

How to Prevent and Protect Against Wildlife Collisions

Prevent Wildlife Collisions – Duliban Insurance

November 3, 2025
Agent7

Driving through Ontario’s scenic roads can be a breathtaking experience, but it also comes with the risk of encountering wildlife. Whether it’s a deer crossing the highway at dusk or a smaller animal darting across a rural road, wildlife collisions are a serious concern for drivers. At Duliban Insurance, we want to help you stay […]

Wheelchair Safety for Passenger Vans

November 2, 2025
Agent7

Passenger vans—which typically have an occupancy of between nine and 15 people—are used by many organizations to transport a wide range of passengers. Some of those passengers require the use of a wheelchair. Wheelchairs can either be stored as cargo when not in use or used as a seat during transport. There are many safety […]

2025 Open Enrollment Checklist | INSURICA

2026 Open Enrollment Checklist | INSURICA

November 1, 2025
Agent7

To prepare for open enrollment, employers that sponsor health plans should be aware of compliance changes affecting the design and administration of their plans for plan years beginning on or after Jan. 1, 2026. These changes include limits adjusted for inflation each year, such as the Affordable Care Act’s (ACA) affordability percentage and cost-sharing limits […]

The Top 10 Most Insurable EVs of 2024

October 31, 2025
Agent7

Hello, EV enthusiasts! As we head into the final months of 2024, the electric vehicle market is buzzing with exciting new models, and here at Duliban Insurance, we’re keeping a close eye on the best of the best. Whether you’re a seasoned EV owner or considering making the switch, we’ve put together a list of the […]

Is It Time to Update Your Business Policy? Let's Find Out

Update Your Business Policy? – Duliban Insurance

October 30, 2025
Agent7

Running a business is an ever-evolving journey, and with each step forward, your insurance needs may change. As your company grows, adapts to new markets, or shifts its operations, ensuring that your business insurance policy keeps pace is crucial. Failing to update your coverage could leave you vulnerable to risks that weren’t there when you […]

Things to Know Before Buying a Pre-Construction Home

Pre-Construction Home Tips – Duliban Insurance

October 29, 2025
Agent7

Buying a home is one of the most significant investments you’ll make in your lifetime, and purchasing a pre-construction property offers a unique opportunity to customize your dream home from the ground up. However, it also comes with its own set of considerations and potential challenges. From understanding the financial commitments to ensuring your investment […]

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

October 28, 2025
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 […]

A business professional working on a laptop — researching the best commercial insurance in Ontario.

Ontario Business Insurance Guide 2025

October 27, 2025
Agent7

How to Choose the Right Commercial Insurance Broker With so many options available, selecting a trusted broker is as important as choosing the coverage itself. The best brokers represent multiple providers rather than a single insurer, giving business owners access to a wider range of policies and pricing. They also offer expert guidance tailored to […]

Who Pays If Someone Else Crashes Your Car?

October 26, 2025
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, […]