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Ontario Auto Know Your Options!

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If you own an auto in Ontario, you’re required to have an automobile insurance policy in case an accident occurs.   This one-minute video shares important facts about increasing coverage and perhaps the standard coverage may not be right for you.  It’s important to know your options, and we can help you with that.   Contact one of the brokers at Beyond Insurance, we can help you make the decisions you need to protect yourself and your family, if the unforeseen should happen!

Auto Insurance is Changing in 2016

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In an ongoing effort to reform auto insurance coverage for consumers, the Ontario Government is implementing important changes in 2016 that you should be aware of before you renew your auto insurance policy.   These changes are effective June 1st, will apply only to auto insurance policies issued or renewed on or after the effective date.  Existing policies will remain subject to the current limits until they are terminated or renewed.

Ontario Auto Customized

The reforms aim to make premiums more affordable and provide consumers with more choice in the insurance coverage you can select.   Specifically, the revisions include, but are not limited to, the following:

  • Including attendant care benefits in standard accident benefits while increasing the standard benefit for accident benefits from $50,000 to $65,000.  Currently, attendant care is separated at $36,000;  Consumers will have the option to increase the combined non-catastrophic benefit to $130,000. in total;
  • Combining the attendant care and medical & rehabilitation for catastrophic injuries to $1 million in total,  with the option to increase to $2 million;
  • The option to purchase coverage that combines the Medical, Rehabilitation and Attendant Care, for ALL injuries to limits for non-catastrophic of  $1Million and the combined catastrophic benefit total to $2Million;
  • Reducing the standard duration for med and rehab benefits from 10 years to 5 years;
  • Eliminating the six-month waiting period for non-earner benefits while limiting your duration to two years from the accident;
  • Requiring goods and services not explicitly listed in the SABS to be “essential” and agreed on by the insurer;
  • Updating the catastrophic benefit definition to be “consistent with more up-to-date medical information and knowledge”

Some other important changes are as follows:

  • Changing the standard deductible for Comprehensive coverage from $300. to $500.
  • Lowering the interest rate for monthly payment plans from 3% to 1.3%
  • Insurers can no longer use a minor at-fault accident, meeting certain criteria, to increase your premiums

For general information about changes to auto insurance in Ontario, you can contact the Financial Services Commission of Ontario or call us and speak with a licensed insurance broker at Beyond Insurance.

Are you driver in a network, like Uber?

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If yes, then Uber driver we have Uber Insurance just for you

Uber

Coverage is now available drivers who spend up to 20 hours a week participating in ride-sharing or uber like activity.   Together with our insurance partner at Aviva Canada, we are the first to market with this type of coverage to drivers in Ontario.

The solution available provides drivers and passengers with peace of mind knowing that they have insurance coverage while ride-sharing from the moment you as the driver and passenger are matched through an online platform,  to the moment your passenger arrives at their destination.  Consider it end to end insurance.  From pick-up to drop off, every trip insured.

It is a simple addition to your Aviva personal lines automobile policy in the form of a Transportation Network * Endorsement (ie Uber)  This endorsement transfers the risk from the part-time driver to the insurer, allowing drivers to carry paying passengers when under contract for a transportation network company.

As long as there is no other commercial use of your vehicle or registered or plated for use as a taxi, limousine or any other public transportation,  you may qualify for the coverage, Uber driver!

To find out more Contact one of the members of the Beyond Team!  or email us at info@beyondins.net

  • Transportation Network means a digital network or other electronic means that allows persons to arrange to provide transportation services for compensation.

Put Down Your Cell Phone and #Likelife

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Texting and Driving does not allow you to #Likelife!  Our friends at the Insurance Bureau of Canada have released a very important campaign called #Likelife.   We like life don’t you?

Please watch and share this important message with your friends and family…. but not while your driving!

While many drivers’ attention may be diverted as a result of multi-tasking behind the wheel, nothing tops the cell phone as a driver distraction. Many drivers use their cell phones to turn their cars into mobile offices, to catch up with friends and loved ones, or to simply squeeze more “productive” time into their day.

Cell phone use is especially dangerous because drivers typically cannot divide their attention between the road and their conversation or text.  Even if you use a hands-free device, you risk being distracted and inattentive.

#Likelife

Be Vigilant…Be Wary of Thieves!

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Play it safe when warming up your car during the winter months.   Your car could be a target for thieves!

Vehicle with Snow

As winter claws across Canada and temperatures plummet, vehicles need extra time to warm up on frosty mornings.     Many Canadians admit to leaving their cars unattended in the morning with the engine running to warm it up, and this exposes you to theft.

Yes, car thefts can be random, but many are planned. Criminals tend to target specific makes and models, and often organize themselves into inconspicuous groups.  They stalk vehicles parked overnight, waiting for their owners to start them and leave them unattended.  A few minutes—even just seconds—is enough time for a thief to steal your vehicle.

By staying vigilant and following these simple precautions, you can make sure your car and possessions stay safe during the winter.

Playing It Safe Be Wary of Thieves While Your Car is Warming Up

 

 

Do you operate a drone for your business?

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Then you need Drone Insurance!  You would be surprised at how many businesses use a Drone for their business operations, but they don’t have the proper insurance!

Drone

It is becoming more and more common that business are using UAV, aka Drones, for their various commercial operations.   But did you know that under Transport Canada’s rules, all commercial drone operators are required to carry at least $100,000 of third-party liability insurance.

When evaluating your insurance needs, businesses should be aware that most commercial general liability policies exclude the operation of aircraft, and that is because flying a Drone is an aviation activity when used for commercial use.

Furthermore,  businesses should also consider their potential physical losses carefully.  With drones, it’s often the loss of the payload—not the aircraft itself—that can be the most costly, meaning that cameras and other payloads are usually slung below the aircraft, and in the event of a hard or emergency landing damage to the payload is almost certain.

The good news that this risk is insurable and we can help you with that!   You can also find out more about this new frontier, right here or call one of the insurance advisors at Beyond Insurance

RI – Drones- A New Frontier in Risk Management

 

 

 

Do I Need Travel Medical Insurance?

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Travel Medical insurance is often overlooked by travellers when booking their trips, thinking they are already covered by their provincial medical insurance.

Travel Insurance

However, for most provincial plans, injuries or illnesses suffered while outside the province are not fully covered. It’s important to check your plan details before you travel.  For situations in which you are not covered, travel medical insurance can help fill the gap.

In addition to travel medical coverage, the insurance can cover you for loss of baggage, pre-trip cancellation, trip interruption, dental work, acts of terrorism or cancellation for any reason.

Travel Medical Insurance is often sold in a package deal giving you the biggest bang for your buck, and the peace of mind that if the worst should happen, you will be covered.  Through our partners at GMS Travel, Travel Medical Insurance including Trip Cancellation coverage is available to protect your financial ability to travel.   You won’t get stuck paying the high cost of travel gone wrong!

Contact one of the team members at Beyond Insurance Brokers Inc before your next trip to ask how travel insurance can keep you and your loved ones safe or enter here for a quick quote   I Need Travel Insurance!

Oh, and one more thing before you go…..take this check list with you  Beyond the Basics Security Tips for Traveling Abroad   Have a safe trip!

Could you be a victim of a Cyber Attack?

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Cyber attacks are a growing business interruption threat to so many business.  Fortunately there is insurance for that!

cybersecurity

From managing intellectual property to maintaining an email server to protecting the personal information of your clients—cyber risk is deeply woven into the fabric of modern-day business.

Sure you may not be Target or Sony (or dare we say Ashley Madison).  The fact of the matter is that Cyber Attacks are a growing business interruption threat, and the first step in managing this risk is understanding your specific exposures.   Virtually every business relies on data and computer systems.  When your system experiences a virus or other computer attack, that is when your business is in danger of losing critical information that is essential to your daily operations and potentially exposing yourself to third party liability.

Learn more about your liabilities by downloading the content below (don’t worry the document is safe) and then call us at 1-877-642-2738

Cyber Liability – Cyber Attacks – A Growing Business Interruption Threat

Ontario Increases Fines for Traffic Violations

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On Sept. 1, 2015, Ontario implemented stricter fines for traffic violations, with minimum penalties for certain offences nearing $500

distracted driving

These changes are part of Bill 31, commonly referred to as the Making Ontario’s Roads Safer Act.    Changes include tougher penalties for distracted driving, new rules to protect cyclists and measures to ensure the safety of tow truck drivers and children riding school buses.

Since 2009, more than 500 people have died in collisions , in which driver inattention was a causal factor.   Distracted driving has exceeded impaired driving as a causal factor in fatal collisions. More changes to Ontario’s traffic laws are planned for 2016, including:

  • A new law that protects pedestrians at crosswalks and school crossings (Jan. 1, 2016)
  • Stricter penalties for those driving under the influence of drugs (Fall 2016)

Read more about the changes, right here  Ontario Increases Fines for Traffic Violations

Providing Safety for Women in Male-dominated industries

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There are several steps you can take to help minimize the hazards that women face on your job site.  Or, if you do not currently employee all female workers, these recommendations can help create a work environment for all genders.  Please read on!

Construction Women

As increasing numbers of women enter male-dominated trades, concerns about their health and safety are growing.   In addition to the primary safety and health hazards faced by all workers in male-dominated industries, such as construction, manufacturing and agriculture, certain safety and health hazards are specific to female workers.  

As an all female insurance brokerage, who provide insurance advice for all industries, we know too well the challenges we face as women working in what was a predominantly male industry.   The tide is changing in our industry, but not so much in other businesses.   

There are several steps  you can take to help minimize the hazards that women face on the job, and they are here in this months Commercial Profile August 2015.