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Close-up of several cars, parked side-by-side in a large lot, illustrating high-density parking relevant to theft surcharge insurance.

What It Means for Your Coverage

Understanding these surcharge differences is crucial because the insurer you choose can dramatically affect what you pay, sometimes by hundreds or even thousands of dollars per year. Two drivers with the same vehicle and driving history can face very different premiums depending on how their insurer classifies theft risk and what options they offer for […]
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Full Coverage Insurance – What is it and Should you Have it?

Full Coverage Insurance | What is it and Should you Have it?

What “Full Coverage” Actually MeansThe term “full coverage” is often used when people talk about their auto insurance, but it doesn’t refer to a specific policy. Instead, it generally means you carry all the main types of coverages: your mandatory liability protections plus optional coverages like collision and comprehensive. In Ontario for example, mandatory coverages include: […]
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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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Full Coverage Insurance – What is it and Should you Have it?

Full Coverage Insurance | What is it and Should you Have it?

What “Full Coverage” Actually MeansThe term “full coverage” is often used when people talk about their auto insurance, but it doesn’t refer to a specific policy. Instead, it generally means you carry all the main types of coverages: your mandatory liability protections plus optional coverages like collision and comprehensive. In Ontario for example, mandatory coverages include: […]
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Did You Know? Indoor Gym Rentals Need Commercial Coverage

Did You Know? Indoor Gym Rentals Need Commercial Coverage

As temperatures drop and outdoor fields close for the season, players, coaches, and community organizers move their activities indoors. Fall and winter signal a big shift into gymnasiums, sports domes, fitness studios, school gyms, and recreation centers. Whether it’s a weekly volleyball league, a youth basketball program, pickleball nights, or a private fitness class, most […]
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As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.

Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts

As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide. Gag Clause Prohibition Attestations Due by December 31 Under the Consolidated Appropriations Act (CAA), employer-sponsored group health plans must submit an […]
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Supplemental Health Products Surge as Employees Seek Layered Coverage

Supplemental Health Products Surge as Employees Seek Layered Coverage

In a year defined by rising healthcare costs and shifting employee expectations, supplemental health insurance products are experiencing a notable surge. According to LIMRA’s latest workplace benefits sales data, accident, critical illness, and hospital indemnity insurance sales rose 11% year-over-year through the third quarter of 2024. This growth reflects a broader trend: employees are increasingly […]
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Are Electric Motorcycles Covered? Insurance Guidelines Explained

Electric Motorcycle Coverage – Duliban Insurance

Electric motorcycles are becoming a popular choice for riders who seek the thrill of two wheels combined with eco-friendly technology. However, a common question arises: are electric motorcycles covered by insurance? At Duliban Insurance, we’re here to provide clarity on this topic and ensure you have all the information you need to protect your electric […]
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Deer Collisions Spike in Fall - Is Your Auto Coverage Ready?

Deer Collisions Spike in Fall – Is Your Auto Coverage Ready?

If you’ve ever driven down a country road in Ontario during October or November, you know how quickly a deer can appear out of nowhere. Fall is prime season for deer collisions, and the numbers show a clear spike during these months. The reason is twofold: fall is both mating season and migration season. Deer […]
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Fall Coverage Gaps: Is Your Farm Insurance Ready for the Changing Season?

Fall Farm Coverage: Is Your Insurance Ready?

As the crisp autumn air settles in, farms face new risks and challenges that can leave them vulnerable without the right insurance coverage. Fall is a busy time for farmers, from harvesting crops to preparing for the winter months. While you’re getting your farm in order, it’s essential to ensure your insurance policy is up to […]
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