Whether you’re the parent of young children and have diligently baby-proofed your home, a favourite aunt who has the occasional visit from nieces or nephews, a grandparent or even a friend to those with young kids: it’s important to be thorough when making your home safe for children.
Here’s a checklist to help ensure that your children or young visitors are safe in your home.
Carefully review your home from the height of children and put away any items that may be a potential choking hazard. Keep electronic cords hidden when not in use.
Keep batteries and magnets stored in a safe place. They can not only be a choking hazard but may also cause internal damage if swallowed.
Close and latch the dishwasher when not in use. Bright, shiny and sharp utensils may attract and harm children.
Test the garage door on a regular basis to ensure that it retracts if an object is in its path.
Never leave children of any age unattended in a bathroom, near a pond or swimming pool.
Balloons can be serious choking hazards. Properly store and dispose of balloons.
Check toys regularly for wear and damage.
Remove latches from chests. If a child can open and enter it, they may become trapped.
It’s important to be ever vigilant about the safety of children; whether they live in your home or are just visiting. Be sure to discuss this safety checklist with your family members to ensure everyone is aware of potential dangers and everyone is on board to keep kids safe in your home.
June 28th is National Insurance Awareness Day, and although insurance likely isn’t something you think about often; when you need it, it can suddenly become the most important thing in your world.
And while you might not think of insurance every day… we certainly do!
We want to ensure that you are fully aware of what your policies entail as well as the limitations; to help protect you and manage expectations in the event of a claim.
Please take a few minutes to review your policies. Review the amount of your coverage, limitations and take note of your deductible. It’s important to us that you are informed and educated.
If you believe you may qualify for a discount on your premiums, would like a quote from another carrier, or have any questions at all, please gather your insurance documents and give us a call: 519-736-8228
Small or independent business owners face so many challenges, and an important consideration is disaster or emergency prevention and planning.
After a major emergency, approximately 85% of all small and medium businesses fail within three years when no preparedness plan is in place.
What constitutes a workplace emergency or disaster?
Weather based situations such as heavy snowfall, tornadoes or flooding
Environmental occurrences such as fires or earthquakes
Technological problems such as data breaches or communication failures
Health-based emergencies such as a flu outbreak
All business owners need to have an emergency plan in place to deal with climatic, technology and other threats within and outside the business.
Where to begin?
Identify risks and create a basic plan to deal with each situation: Be certain to consider that some key employees may not be able to perform their regular duties.
Review expectations and communications plan with staff members: What if your employees are not able to make it into work? What if your business had to close for a few days? What if a major supplier is unavailable? What happens if the phones are down? Establish a plan to deal with all possible scenarios.
Encourage personal preparedness: Employees who are personally prepared for disaster will be more likely to function normally in the event of a workplace emergency.
Technology considerations: Keep your technology systems secure and up to date. Properly maintain and dispose of sensitive information and perform regular backups.
Regularly audit emergency systems: Review power backups, safety equipment, evacuation routes, communication protocols and establish meeting places to best prepare for disaster.
Evaluate and review your business’s emergency preparedness plan with your staff on a consistent schedule to help ensure continuity and business health.
As your business grows and evolves, so may your insurance needs. Having the proper insurance coverage in place will help your business better recover in the event of an emergency. Keep in regular communication with your insurance professional to help ensure continued business health and profitability. If we can help your business, please reach out to us: 519-736-8228
Dashcams are becoming increasingly popular and more commonly used all types of drivers: from truckers and long-distance commuters to soccer moms.
What is a dashcam?
A dashcam is a video camera which costs $50 – $300. It’s mounted on the interior of a windshield and is hardwired into the car’s battery to turn on when the car is running. Some dashcams have the option of running while the car is off and parked. The dashcam records all travels and the digital files are easily reviewable.
Why do drivers invest in a dash cam?
Some feel an extra sense of security in the situation of an accident or emergency; they’ll have video evidence of what actually occurred, rather than relying on those involved or witnesses.
While having a dash cam may provide a driver with peace of mind, they do not make you eligible for an insurance discount. Any dashcam footage obtained can be used to help the insurance claim process (ex: determining liability), but the claim still needs to go through the usual channels.
It’s also important to note that if dashcam footage is posted publicly on YouTube or other social media networks, there may be privacy implications.
We believe the more you’re prepared for an emergency, the less likely it will happen and even in an emergency situation, you’ll be better equipped to manage it because of your preparation.
Why create an emergency fund? Unexpected expenses are a part of life and relying on credit cards to help you manage unanticipated costs can accumulate significant interest charges. Tapping into your retirement fund can have expensive tax consequences and relying on friends or family can cause personal stress.
How much do you need to save? Experts recommend stashing away 6 months of living expenses in your emergency fund.
There are many situations when you may be required to access these available funds:
Job loss or layoff
Out-of-pocket medical expenses
Unexpected pet care costs
Exterior home maintenance repairs
Appliance repair or replacement
Unexpected travel expenses
Paying for a loved one’s funeral
Finally, we’d like to leave you with a few other considerations when preparing for a financial emergency.
This week is Emergency Preparedness Week in Canada. The government is asking that everyone is prepared in case of emergency. From floods, floods, power outages, severe weather to even a nuclear emergency; the government wants you prepared.