Drive for Skip the Dishes? Don’t Skip the Insurance

Written by on 2018-02-12 10:25 AM . It has 0 Comments.

There are an amazing number of opportunities to earn more money and all you need is your own car. But, what you need to know is when you're delivering food make sure you pick up the proper insurance, too. Read about how having the wrong car insurance could leave you unprotected. From the car insurance experts at Erb and Erb Insurance Brokers |

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Scared of not hitting your retirement goals? Stay Calm.

Written by on 2017-09-15 5:57 AM . It has 0 Comments.

by Mike Onotsky We are all too often influenced by the media. They love to share the bad news and even embellish it since good news just doesn’t sell. You are engaged when they are talking about the risks to you, but not so much when they project everything humming along normally.  When it comes to financial markets, wording like “triple digit losses” seem to attempt to strike fear when, in reality, a triple digit loss when the markets are around 15,000 is really a 1% swing and this is for a portfolio that is 100% in stocks which would be a very aggressive investor. If we look to the days before 2008, a 1-2% swing either way was a pretty normal day in the market. So what is the result of fear over the financial markets? Well, for most people, it results in panic and often a drastic change in investment style for their retirement or other savings. As an advisor, I hear the worries…”I am seeing a quarter of my retirement savings disappear”. The reality is that ...

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Our Move – Updates, Timelines and More Convenience

Written by on 2017-09-08 1:17 PM . It has 3 Comments.

The time is drawing closer to Erb and Erb’s move and Lackner McLennan's move. LMI's tentative move date is October 19 and 20, 2017. They will be closed that day and be open for business at 818 Victoria St. N. on October 23, 2017. Erb and Erb's tentative move date is November 10, 2017. We’ll be closed that day for the move and plan to be open for business as usual at our new location 818 Victoria St. N.(Victoria St. N. and Bruce St.) on November 13, 2017! All of Our Contact Information Will Stay the Same All of LMI and E&E's contact emails and phone numbers will remain unchanged. You’ll still be able to contact us the same way you did before. Via phone, email, website, and social media. A Better Location to Serve Our Clients With a more central location and with our sister organisation Lackner McLennan Insurance moving in before us we’ll be better able to provide top notch service to our clients. Why? Improved infrastructure, both internal and external, will provide us with ...

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What could lead to your car insurance claim being denied?

Written by on 2017-09-08 7:43 AM . It has 0 Comments.

No one wants to have a car accident. Certainly, no one wants to be hurt in a car accident. Unfortunately, accidents do happen. Having the right coverage for your vehicle usually means you’ll have the protection needed to have your car repaired, or in case of injury, have help to rehabilitate yourself back to health. However, there are times when the actions of car owners puts their insurance policy and coverage at risk. Most Common Reasons for Denying a Claim Undisclosed Regular Drivers – It’s true you can lend your car to anyone, but be warned you are also lending your car insurance. One off situations where a friend needs your car for a day are fine. Make sure everyone has a valid driver’s licence before your lend your car because any accidents they have will affect your insurance rates. However, when there is a regular driver of the car and you have not informed your insurance company you could see your claim being denied. This happens frequently as parents of underage drivers ...

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Fall 2017 Erb and Erb Insurance Bulletin

Written by on 2017-09-07 6:07 AM . It has 0 Comments.

THE TIME IS FINALLY HERE! Erb and Erb will be closed on November 10, 2017 to move to our new location at 818 Victoria St. N. Kitchener. (Victoria St. near Bruce St.) We're joining our sister organization Lackner McLennan, who'll already be there. All of our staff will be ready on November 13th at the new location to help you with your insurance needs. Read more about our move here. SCARED OF NOT HITTING YOUR RETIREMENT GOALS? STAY CALM. With all the doom a gl ...

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How to Protect Your Business or Home After Fire and Smoke Damage

Written by on 2017-06-13 12:26 PM . It has 0 Comments.

No one wants to think about their business suffering a fire. But, it does happen. And, where there’s fire, there’s always smoke. Smoke contains many toxic and corrosive chemicals compounds. Smoke from a commercial building fire can be worse depending on the type of business conducted on the premises. So, what should you do and what shouldn’t you do after a fire? Read below to get some tips on how to deal with fire and smoke damage in your business or your home. The first thing you want to do so minimize further damage to your home or business. Try to limit movement in the home or business. The idea is to prevent soot particles from being embedded into upholstery and carpets. Take pictures of all the damaged areas of your business or home and make a list of all damaged items. It is important to document everything so it’s easier to replace when you make an insurance claim. Change your furnace filter regularly and as soon after the all clear is given to re-enter the ...

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New Government Bill Regulates Home Inspectors

Written by on 2017-06-13 12:21 PM . It has 0 Comments.

This past April (2017) the Provincial Government of Ontario passed the Putting Consumers First Act. This new law will impose new rules on Home Inspectors and Home Inspections. Traditionally, home inspectors were not subject to provincial regulation, which meant there was no governing body overseeing inspectors and the quality of their work. Most home inspectors work hard at their jobs, making sure new home buyers are aware of any deficiencies in their new home-to-be such as roofing, heating, foundations, structure, wiring, and plumbing to name a few. However, some inspectors did not put the required effort into their inspections. This meant important problems could be at best missed or, at worst, ignored. There was no one to whom a new homeowner could complain. That all changes with the Putting Consumers First Act. This new law: Adds requirements for education, experience and examinations for licensing Home Inspectors. Provides a code of ethics for all licensed home inspectors. Home insp ...

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