Tis the season of thanks and understanding, and here at the Iberia office of Jones Deslauriers, we’d like to express our gratitude to our valued customers. Merry Christmas, Season’s Greetings, and many happy returns from us!

When it comes to purchasing an insurance policy, finding a product that offers the best coverage at a valuable price can help you keep your family and business secure in the long-run. Besides, it acts as an income-related source to clear debts or for those dependent on you in case of unforeseen circumstances. However, there are several insurance policy types to choose from and picking the right one can be an overwhelming task. Therefore, it’s advisable to select a reliable professional to find the best policy for you and your business as they are experienced and skilled when dealing with claim processes.

Road safety is always important, but it becomes crucial when winter takes effect. Snow, icy roads and unpredictable weather are all common hazards that plague drivers during the colder months. Keep calm, confident and safe on the roads this winter by following these tips:

 

Jones Deslauriers Insurance wishes you and your family a happy and safe holiday season and all the best for the New Year 2020!

We would like to inform our clients that we will be closing on December 24, 2019, at 2 pm. On December 25 and 26, 2019, we will be closed, while on December 31, 2019, we will be closing at 2 pm. On January 1, 2020, we will be closed. 

Financial crises can occur due to various reasons and can hit you when you least expect it. Theft, robbery, accidents, natural calamities, etc. can prove to be disastrous to your property, automobile, and business. This can be very costly, especially if you’re financially unprepared to pay for these damages. That’s why it’s advisable to purchase insurance in advance to safeguard yourself from such hardships and strengthen your financial plans. Insurance is a safety net that helps you take care of yourself during financial difficulties. It’s best to enlist the services of an experienced insurance broker to help you pick an ideal insurance policy to safeguard your property, automobile, business, or assets.

When an Ontario motorist fails to produce proof of insurance and is charged as a result, police do not have to prove the vehicle is actually uninsured. So says Justice David Rose of the Ontario Court of Justice in R. v. Belleau, a ruling released this past Monday. Justice Rose overturned the acquittal of a motorist charged with driving a vehicle without insurance. Angus Belleau was initially acquitted this past June, of driving with no insurance, by Justice of the Peace Adele Romagnoli. So the Crown appealed. Belleau was pulled over in March, 2018 by a York Regional Police officer who noticed the…

Three thousand, eight hundred thirteen (3,813) — that's the number of reported data breaches tracked through June 30, 2019, putting 2019 on track "to be the worst year on record for data breach activity," according to the 2019 MidYear QuickView Data Breach Report conducted by Risk Based Security. This is an increase of 54% over 2018 figures during the same time period.

Car owners know they need car insurance, but a lot of renters don’t bother with tenant insurance. In fact, the Insurance Bureau of Canada reports that about half of all tenants don’t have insurance to cover contents and liability. Tenant insurance typically isn’t high on most people’s list of priorities — and, after all, you’re not legally required to have it. But that decision is often based on misconceptions, from underestimating how much it costs to replace your belongings to not understanding your legal liability as a tenant. Here are some of the most common misconceptions about tenant insurance — and how knowing the truth could…

Low interest rates in Canada are here to stay, primarily because of very high debt levels, David Chilton, keynote speaker at the 2019 Insurance Brokers Association of Ontario (IBAO) Conference, said in Toronto last Wednesday. “Low interest rates are here to stay,” said Chilton, a former Dragon on CBC’s Dragon’s Den and best-selling author of The Wealthy Barber, a guide to financial planning. “We may see them for years and years and years or more…. “Things are not going to go up dramatically. They are not going to normalize for a very long time, for a simple reason: There’s way too much…

The need for tailored offerings and coverage for multiple operations remains important in the small business insurance market, Aviva Canada told Canadian Underwriter Wednesday. There is an increasing demand for the right service, education and choice, said James Warburton, Aviva’s vice president of commercial insurance enablement, in an interview Wednesday. “Small commercial is big in Canada,” he said. “It’s not a trend so much as it’s a continuing trend. Brokers are realizing and continue to realize that this is an important area that we need to service, as do carriers. For me, it’s not going anywhere, as it shouldn’t.” Warburton spoke with Canadian…

Malware cyber attacks are on the rise compared to one year ago, according to Chubb, with a new type of strain on the rise. The first half of 2019 has seen more ransomware attacks than 2018, catching the eye of the insurer in its third-quarter edition of its Chubb Cyber InFocus Report, where it called the rise “alarming.” That follows an 84% increase in ransomware attacks from 2017-2018. While not a new threat, Michael Tanenbaum, head of Chubb cyber North America said that the attacks have evolved, with some demands reaching six- and seven-figures. Therefore, “it is critical for businesses to understand the…

What liability risk do Canadian corporate clients face if they have supply chains in countries where workers are vulnerable to abuse or unsafe working conditions? It’s an open question right now, but brokers could get some guidance once the Supreme Court of Canada issues its decision in an appeal from Vancouver-based Nevsun Resources Ltd., lawyers suggest. Some Eritrean refugees in Canada want to sue Nevsun in British Columbia. Plaintiffs allege they were threatened with physical punishment and imprisonment if they did not work at a mine in Eritrea. The case is still before the courts. Plaintiffs are not alleging that Nevsun itself…

As professionals, we need to keep updated on the latest insurance trends and find new sources of creative inspiration while staying connected to other professionals. 

Our email newsletter is a one-stop resource for relevant news and content about Jones Deslauriers Insurance, as well as detailed home, auto, business, liability, and family insurance in Toronto, ON.

In case of an unexpected event, an insurance policy will help protect you and your family, your car, your property, or other valuables.

An increasing number of vehicles come with virtually indestructible glass windows designed to keep passengers from being thrown from their vehicles in the event of a crash or rollover. The glass, which is made of the same materials as windshields, also provides a quieter ride.

But new research from AAA highlights a potential downside, too: The growing use of laminated glass to encase most of the passenger compartment could also hinder a driver's escape if the vehicle catches fire or enters a body of water and begins to sink.

Ontario now allows “happy hours” and “tailgate parties” but the fact that these are legal does not mean they are a good idea, suggests a lawyer who defends alcohol liability claims.

Several new alcohol rules took effect in Ontario May 6.

Insurance coverage is not only beneficial but is also mandatory in some situations. When purchasing insurance, it is vital to understand how the policies work to ensure you avail the best plan for your needs and budget. To help you avoid making the wrong choices and enable you to take advantage of your insurance policy, Jones Deslauriers Insurance has put together a list of the most common mistakes people make when purchasing insurance.

Whether you are a homeowner, business owner or both, you need to have the right insurance policy to make sure that you are protected at all times. An insurance broker can assist you with these requirements as they have extensive knowledge of the insurance process, coverages, and claims available. 

We’re sure you’ve heard plenty of tragic insurance claim stories and are perplexed by the confusing policies available today. However, not having an insurance coverage may be illegal in some instance and in others, it can lead to financial trouble later on. Luckily with the help of an experienced insurance broker, you can sort out the confusion and focus on understanding the real risks and benefits of various insurance covers.