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Monday 8:30am - 4:30pm Tuesday 8:30am - 4:30pm Wednesday 8:30am - 4:30pm Thursday 8:30am - 4:30pm Friday 8:30am - 4:30pm

Al Dorman Insurance Brokers Ltd.

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East Gwillimbury, ON
Al Dorman Insurance Brokers Ltd.

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We are an insurance brokerage focused on personal relationships. We pride ourselves on providing goo

11/02/2026

Nobody in Ontario has driven in snow since March. That is exactly why the first snowfall causes more collisions than the storms that follow it.

Three things that keep you out of the ditch this week.

• Leave ten minutes early. Most bad decisions on a winter road start with being late.
• Double your following distance. Stopping takes much longer than it did last week.
• Brake before the corner, never in it.

And if somebody does slide into you, how that claim goes depends on the coverage you already have, not the one you wish you had.

Before the forecast turns, let us review your auto policy. One call does it.

📞 905.473.2942 · aldormaninsurance.com

10/31/2026

Tonight there are trick or treaters walking up to your rental property. In eight weeks that same walkway will be ice.

So here is a question for every landlord reading this. If somebody slips on that path, who answers for it? You, your tenant, or nobody at all until a lawyer decides?

The honest answer is that it depends on your lease, your policy, and what you can prove you did.

Before winter properly sets in, confirm four things.
Your lease states plainly who clears the snow and ice.
Your landlord policy includes liability, not only the building.
The heat stays on and the property gets checked if it sits empty between tenants.
You carry loss of rental income, because one burst pipe in January can empty a unit for months.

Owning a rental in Ontario is a business. Insure it like one. We will review your landlord coverage and tell you plainly where the gaps are.

📞 905.473.2942 · aldormaninsurance.com

10/27/2026

Everything bought today lands on a front step within the next two weeks, which makes the next month the busiest of the year for package theft.

So say a box goes missing off your porch.

The gift inside. Two hundred dollars.
Replacing it, at full price, because the sale is long over. Two hundred and sixty.
Your home insurance deductible, if you claim it. Often a thousand.

Which is why most people never claim a stolen parcel at all. The theft is real, the coverage usually exists, and the deductible quietly makes it pointless.

That maths changes completely when it is not one box. A delivery of several gifts at once. A laptop. A bike taken from an open garage. A break in through an unlocked side door while the house sits dark at half past four in the afternoon. That is when home insurance earns its keep, and that is when the deductible you picked years ago suddenly matters a great deal.

10/27/2026

Attention every shop, clinic, salon and contractor across Georgina, Keswick and East Gwillimbury.

Winter is your highest liability season, and it begins with wet leaves long before it begins with ice.

Four things worth locking down this month.

Your snow removal contract. Read who actually carries the liability. If the contract is silent on it, it is very likely you.

Your log book. Write down every salt and every shovel, with the date. Dated records win slip and fall claims.

Your contractor's certificate of insurance. Get the current one, not the one from last winter.

Your own commercial liability limit. Confirm it still reflects what your business is worth today.

One fall on your walkway can become a claim that outlives the whole winter. A twenty minute review right now is the cheapest insurance you will buy all season.

📞 905.473.2942 · aldormaninsurance.com

10/23/2026

Deer collisions across Ontario spike in October and November. Mating season pushes them onto the roads, and the sun now sets right when you are driving home.

Three things that genuinely help. Slow down at dawn and dusk on rural roads. Scan the shoulders, not just your lane. And if one crosses in front of you, expect a second, because they rarely travel alone.

Here is the part most drivers get wrong. Hitting a deer is generally handled as a comprehensive claim rather than an at fault collision. Swerving into a ditch or into another vehicle is treated very differently. That distinction can matter enormously to your record and your premium.

10/22/2026

Say your car is worth forty thousand dollars to the people who know exactly what it is.

On a standard auto policy, a total loss is settled at actual cash value. That means market value less depreciation, decided after the fact, by somebody who may simply see a very old vehicle rather than a restored one.

On an agreed value policy, you and the insurer settle on the number in advance, in writing, before anything ever happens. If the worst comes, there is nothing left to argue about.

The restoration receipts in your drawer do not set the payout. The policy wording does.

10/20/2026

Picture a cold night this winter. You come home, flick on the light, and there is a dark ring spreading across your ceiling.

The unit above you had a supply line let go while they were at work. Their water. Your ceiling, your floors, your furniture, your walls.

Here is how it actually unfolds. The building policy handles the structure, up to a deductible that can run well into the thousands and can be charged back to unit owners. Your belongings and the improvements you paid for are yours to replace. And you may need somewhere to live while it all dries out.

A properly built condo policy covers your contents, your upgrades, your loss assessment exposure, and your additional living expenses.

Heating season is when these calls start coming in. Let us check your condo insurance before one of them is yours.

📞 905.473.2942 · aldormaninsurance.com

10/17/2026

𝗛𝗲𝗿𝗲 𝗶𝘀 𝘀𝗼𝗺𝗲𝘁𝗵𝗶𝗻𝗴 𝘄𝗲 𝗻𝗼𝘁𝗶𝗰𝗲 𝗳𝗿𝗼𝗺 𝘁𝗵𝗶𝘀 𝘀𝗶𝗱𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗱𝗲𝘀𝗸.

A lot of the boat claims that land on us in May actually happened in October. A hairline crack in the hull. A seized outdrive. Water sitting somewhere it should never have been. It all gets sealed under shrink wrap for six months, and by spring the damage has quietly doubled.

So before yours disappears under plastic on Lake Simcoe this month. Walk the hull properly in daylight. Check the outdrive and the lower unit. Make sure every drain plug is out and every compartment is dry. Then photograph all of it.

Those photos are the difference between a smooth claim and a long argument about when the damage actually happened.

And confirm your coverage carries on through storage, because a lot of owners assume it simply stops.

📞 905.473.2942 · aldormaninsurance.com

10/14/2026

Every spring, somebody opens their cottage door to find the ceiling on the floor.

The cause is almost always the same. Water left sitting in the lines in October. It freezes in January, splits a pipe, and then runs for weeks inside an empty building before a single person knows.

So before you lock up for the season. Drain the plumbing completely and blow the lines. Shut the water off at the source. Put antifreeze in the traps. Empty the hot water tank. And if you are leaving the heat on low instead, tell us, because the conditions on your policy change depending on which route you take.

That last point is the one people miss. A seasonal property carries requirements, and a claim can turn entirely on whether you met them.

10/12/2026

𝗛𝗮𝗽𝗽𝘆 𝗧𝗵𝗮𝗻𝗸𝘀𝗴𝗶𝘃𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗼𝘂𝗿 𝗳𝗮𝗺𝗶𝗹𝘆 𝘁𝗼 𝘆𝗼𝘂𝗿𝘀!

Some of the best Thanksgivings happen in the smallest spaces. Borrowed chairs. A folding table at the end. Somebody eating dessert on the arm of the couch. If you are hosting in a rental today, you are doing it exactly right.

One quiet thought while the oven is on. Your landlord insures the building. Everything inside your unit, and your responsibility if something goes sideways during a busy dinner, belongs to you. A grease fire. A guest who slips. Water that reaches the unit below.

Tenant insurance in Ontario often costs less for a month than the meal you are cooking today.

Enjoy the day. When you are ready, we are here.
📞 905.473.2942 · aldormaninsurance.com

Address

1-19150 Centre Street
East Gwillimbury, ON
L0G1M0

Opening Hours

Monday	8:30am - 4:30pm
Tuesday	8:30am - 4:30pm
Wednesday	8:30am - 4:30pm
Thursday	8:30am - 4:30pm
Friday	8:30am - 4:30pm

Website

http://www.aldormaninsurance.com/

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