From the category archives: Protection Blog

Recent updates and helpful information regarding commercial lines of insurance including liability insurance, D.J. insurance, bed & breakfast insurance, restaurant insurance, contractors insurance and more!!

New Rules For Drone Usage

Written by on 2017-03-22 5:53 AM . It has 4 Comments.

Transport Canada recently announced new rules for recreational drone use in Canada. Unlike previous guidelines around drone usage these are now law and, if found guilty, a person could see a fine of up to $3,000. If your drone weighs between 250 grams and 35 KG you must follow these rules: Do not operate your recreational drone: higher than 90 m above the ground closer than 75 m from buildings, vehicles, vessels, animals, people/crowds, etc. closer than nine km from the centre of an aerodrome (any airport, heliport, seaplane base or anywhere that aircraft take-off and land) within controlled or restricted airspace within nine km of a forest fire where it could interfere with police or first responders at night or in clouds if you can’t keep it in sight at all times if you are not within 500 m of your drone if your name, address, and telephone number are not clearly marked on your drone. Operating your drone in clear weather and during daylight ho ...

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What Should You Do With A Hit and Run?

Written by on 2017-02-16 5:33 AM . It has 0 Comments.

There’s nothing worse than approaching your car in a parking lot and noticing damage that wasn’t there before. Hit and Runs, unfortunately, happen too frequently. Typically, these kinds of accidents occur in parking lots and the damage is minor. What isn’t minor is the inconvenience to you when your car is hit. The first thing you should do is look around. Is there anyone who may have witnessed the collision? Someone may have some information for you. Note the time of day and where you parked. Take photos of your car and the area, clearly showing the extent of the damage. Once that’s done visit a Collision Reporting Centre. Don’t know where the nearest one is to where you had the accident in Ontario? Visit here to find its location. The more information you have to report to the police the better. Your information may lead to identifying the other driver. Once reported you will receive a collision report number. If you are going to make an insurance claim insurance companies ...

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Thinking About Driving Without Car Insurance? Prepare Your Wallet.

Written by on 2016-11-16 8:16 AM . It has 0 Comments.

Some decisions are the spur of the moment kind like buying chocolates at the grocery store when all you went for was milk. These kinds of decisions, despite a diet horror, pose little threat to those around. Other knee jerk decisions like “I’m going to run this red light” or “I’m not paying for car insurance anymore” have the potential to adversely affect the rest of your life and the lives of your family and others around you. Related Read: When Driving Thousands of Pounds of Steel, Focus on the Road In Ontario we all know car insurance is mandatory. It’s required. The premise is to protect innocent third parties in the event of a car accident. Insurance, as has been mentioned countless times before, is the pooling of the funds of the many to help the few in times of claims. When motorists opt not to pay for car insurance, yet still drive, it makes insurance more expensive for everyone else. Don’t think so? For a start look at your uninsured motorist charg ...

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Medical Care Costs for Car Accident Victims Quickly Add Up

Written by on 2016-10-18 11:34 AM . It has 0 Comments.

By now we’ve all heard of the unfortunate motorcycle accident of an Ontario man, which occurred on June 1, 2016. We know about his plight with increasing medical and rehabilitation costs. We’re all saddened by his ordeal, both from the accident itself and from his experience with the changes to Accident Benefits (injury benefits) for car insurance in Ontario. Related Read: Important Changes to Ontario Auto Insurance Are Coming Under the Government of Ontario’s mandate to reduce car insurance costs in Ontario benefit limits were reduced and a change was made regarding how brain trauma in vehicle accidents is accessed. Under the old Accident Benefit rules (pre-June 1, 2016) the Glasgow Coma Scale was used to determine brain injury. Now the Glasgow Outcome Scale, or Extended Glasgow Outcome Scale, is used (see the new regulation here – section 4ii). While the exact differences between the two are beyond our expertise, it is this change that resulted in the man’s injuries being ...

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Exciting Changes at Erb and Erb!

Written by on 2016-09-07 6:58 AM . It has 0 Comments.

Since 1919, Erb and Erb Insurance Brokers Ltd. has continually adapted to changes in the industry and in technology to provide the best service and advice to our clients. Erb and Erb would like to take the time to thank all of our clients for their continued trust in our services. We appreciate your patronage and will continue to earn your business every year. These are exciting times at Erb and Erb Insurance Brokers Ltd. As you may have seen or read in the news Erb and Erb Insurance Brokers Ltd. has been recently purchased by another community oriented, independent insurance brokerage, Lackner McLennan Insurance Ltd. Lackner McLennan has faithfully served Waterloo Region and Canada for 70 years. We are thrilled at being a part of Lackner McLennan Insurance Ltd. and couldn’t be happier with this merger. Both Erb and Erb and Lackner McLennan will continue to operate as their own entities. What this means is that going forward you will still deal with your current broker and you’ll still be ab ...

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Pokemon Go and Your Property Liability

Written by on 2016-07-18 9:39 AM . It has 0 Comments.

A new video game, or app, has attracted some 47 million users world-wide in a matter of days. Pokemon Go, if you aren’t familiar, involves augmented reality – a combination of real world surroundings with fictional monsters, Pokemon, superimposed on a smartphone screen – which allows players to collect monsters and compete with other players. And now Pokemon Go is officially available in Canada. With the huge following this game has garnered have come reports of injuries, robberies and trespassing. Injuries from players not paying attention to their surroundings have resulted from slip and falls or walking into objects or bumping into other players. While distracted walking is nothing new, and certainly not limited to Pokemon Go, with the game’s hyper-popularity comes increased risk to players. What Happens If Someone Gets Hurt on My Home or Business Property? If you have property insurance, whether commercially for your business or personally for your home or cottage, you have pr ...

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Are You Ready for Driverless Cars?

Written by on 2016-02-23 6:07 AM . It has 0 Comments.

Self-driving cars were the stuff of imagination only a decade ago. Now they are going to be tested on Ontario's roads. New technologies are changing everything about society. Read about why it's important we understand the impact of driverless cars before we launch them en mass. From the insurance experts at Erb and Erb Insurance Brokers Ltd. |

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How Much Are You Treated as an Individual for Car Insurance?

Written by on 2016-01-25 6:56 AM . It has 0 Comments.

Car insurance companies now use complex algorithms to determine how much you pay for car insurance. They fill these algorithms with specific information about you, your driving experience, your location and your vehicles to arrive at your personal car insurance premium. Find out how individualized rating can affect your insurance. From the car insurance experts at Erb and Erb Insurance Brokers Ltd. |

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5 Things You Should Know About Winter Tire Discounts

Written by on 2015-11-05 9:34 AM . It has 0 Comments.

Everyone is looking to save money on their car insurance. Now there's a way to do just that AND be safer at the same time. Here's five things to know about the winter tire discount for auto insurance. 1. Queens Park announced in October that all Ontario insurance companies will need to offer a Winter Tire Discount by January 1st, 2016 for new policies and any that renew after. 2. The discount, while widely offered between 2 - 5% by insurers, is not a mandated percentage. The Financial Services Commission of Ontario (FSCO), which regulates car Insurance and who will enforce the discount, commented that it does not set insurance rates, and more specifically does not set the discount for winter tires. 3. Each company may have different requirements in order for you to qualify. Most specify you must have 4 winter tires (not necessarily brand new) installed on the vehicle during the winter months. 4. While the savings provided by the Winter Tire Discount may not offset the cost of a set of tires, the payoff ...

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