Marinkovski Insurance and Financial Services Inc.

Marinkovski Insurance and Financial Services Inc. 9059491500 We are located in the heart of Mississauga, and that is exactly what you get when you call us, HEART!

Our clients are not numbers, we know every one of them by face or name! When you walk into the office you will be welcomed, and offered a specialty coffee, tea or cold beverage. We pride ourselves on our integrity, honesty and customer service. We thank you for making the choice to stay with us, and we will earn your business each and every day!

“You can’t use up creativity. The more you use, the more you have.” — Maya AngelouOne of the most valuable parts of fina...
06/08/2026

“You can’t use up creativity. The more you use, the more you have.” — Maya Angelou

One of the most valuable parts of financial planning is adaptability.

As life changes — whether through business growth, home ownership, or family responsibilities — your insurance strategy should evolve with it.

The strongest protection plans are rarely static. They’re built intentionally and adjusted proactively over time.

That’s what long-term planning is really about.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

One conversation we regularly have with Ontario homeowners is around contents coverage — specifically the difference bet...
06/05/2026

One conversation we regularly have with Ontario homeowners is around contents coverage — specifically the difference between replacement cost and actual cash value.

Actual cash value takes depreciation into account.
Replacement cost coverage is designed to replace belongings at today’s market cost.

In a province where inflation and replacement costs continue to fluctuate, that distinction can have a major impact after a loss.

Many homeowners assume their belongings are automatically covered “at full value,” but policy structure ultimately determines how claims are settled.

This is why reviewing coverage details proactively is so important.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

06/05/2026

Why we protect against risks!

Across Ontario, we’re seeing more businesses invest in cyber coverage — but many still don’t fully understand how differ...
06/04/2026

Across Ontario, we’re seeing more businesses invest in cyber coverage — but many still don’t fully understand how differently cyber policies can respond during a claim.

A ransomware event, for example, can trigger multiple exposures at once:
• Business interruption
• Data restoration costs
• Privacy liability
• Regulatory response expenses
• Cyber extortion demands

The challenge is that not all cyber policies are structured equally, and coverage wording matters significantly.

For Ontario businesses operating in increasingly digital environments, cyber insurance is no longer just an optional add-on — it’s part of modern risk management and business continuity planning.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

“The most difficult thing is the decision to act, the rest is merely tenacity.” — Amelia EarhartTaking action is often t...
06/01/2026

“The most difficult thing is the decision to act, the rest is merely tenacity.” — Amelia Earhart

Taking action is often the hardest step — especially when it comes to planning for the unexpected.

But once a plan is in place, everything becomes clearer.

That’s the role insurance should play — not complexity, but clarity.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

A home can become “vacant” faster than most people realize — during renovations, sales, or extended travel.Once classifi...
05/29/2026

A home can become “vacant” faster than most people realize — during renovations, sales, or extended travel.

Once classified as vacant, coverage restrictions can apply — especially for risks like water damage or vandalism.

This is one of the most common reasons claims are challenged.

Not because there was no coverage — but because the status of the property changed.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

Ontario policies include optional endorsements known as OPCF forms — and many drivers don’t fully understand them.Exampl...
05/27/2026

Ontario policies include optional endorsements known as OPCF forms — and many drivers don’t fully understand them.

Examples include:

OPCF 27 (liability for non-owned vehicles)
OPCF 43 (waiver of depreciation)

These endorsements can significantly change how a claim is settled.

The difference often comes down to whether they were added — or overlooked.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

“You must do the things you think you cannot do.” — Eleanor RooseveltSome of the most important financial decisions are ...
05/25/2026

“You must do the things you think you cannot do.” — Eleanor Roosevelt

Some of the most important financial decisions are also the ones people tend to avoid.

Insurance is one of them.

But stepping into those conversations — understanding your risks and addressing them — is what creates real confidence.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

Return of premium riders sound appealing however, they’re not always the right fit. They increase the cost of coverage i...
05/22/2026

Return of premium riders sound appealing however, they’re not always the right fit. They increase the cost of coverage in exchange for receiving premiums back if no claim is made.

The real question is: Does that added cost align with your broader financial strategy?

In some cases, it adds value. In others, reallocating that premium difference may be more efficient.

This is where personalized advice matters.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

Most business owners understand they have business interruption coverage — but fewer understand the waiting period.This ...
05/20/2026

Most business owners understand they have business interruption coverage — but fewer understand the waiting period.

This is the time before coverage begins paying out.

If your waiting period is 48–72 hours, your business must absorb those initial losses.

Choosing the right waiting period is a balance between premium cost and cash flow resilience.

It’s a detail that becomes critical when operations suddenly stop.

Want to work with us? Contact us to learn more about your options!
MARINKOVSKI INSURANCE & FINANCIAL SERVICES INC.
905-949-1500

Address

108-5805 Whittle Road
Mississauga, ON
L4Z2J1

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