Gifford Carr

Gifford Carr With over 70 years of experience, you can count on us to protect your assets with expertise and care.

Every generation thinks the others are doing it wrong.Boomers wonder why their kids aren't buying homes. Gen X is quietl...
05/28/2026

Every generation thinks the others are doing it wrong.

Boomers wonder why their kids aren't buying homes. Gen X is quietly carrying two generations at once. Millennials are told they'd be fine if they skipped the lattes. Gen Z is researching financial advice on TikTok and asking better questions than most people give them credit for.

The truth is simpler. Every generation built its approach around the economy it grew up in. None of it is wrong. It's just shaped by the moment.

What hasn't changed is the need to get it right. The right coverage. The right plan. The right person in your corner when it matters.

🚗 Auto insurance in Ontario is changing on July 1, 2026, and it's not a small update.Some accident benefits that have al...
05/26/2026

🚗 Auto insurance in Ontario is changing on July 1, 2026, and it's not a small update.

Some accident benefits that have always been included automatically are becoming optional. That means more choice for drivers, but also more decisions to think through before your next renewal.

This carousel breaks down what's staying, what's changing, and what to consider. From who's covered under optional benefits to how your policy carries forward, it's worth a few swipes.

Swipe through for a closer look at what's ahead, and learn more in our recent article 👇

https://giffordcarr.ca/blog/auto-insurance-changes-2026/?utm_source=transactional&utm_medium=social&utm_campaign=auto-reform

The most expensive cottage conversations happen in July, after something has already gone wrong. The least expensive one...
05/22/2026

The most expensive cottage conversations happen in July, after something has already gone wrong. The least expensive ones happen in May, before the season starts.

A few things worth checking before you open the cottage this year. Your policy type. Your water coverage. Your detached structures. And if you rent it out, even occasionally, whether your insurer knows.

Cottages change. How you use them changes. Your policy should keep up.

Most businesses have insurance for property, vehicles, and operations, but what about the people your business depends o...
05/21/2026

Most businesses have insurance for property, vehicles, and operations, but what about the people your business depends on most?

A key person could be an owner, a top revenue generator, or someone the business relies on heavily day to day. If they suddenly become unable to work, the financial impact can be significant.

Rick Chase walks us through the questions that tend to surface when it happens:

​​➡️ How will lost revenue be managed?
➡️ Do you have the resources to hire and train a replacement?
➡️ Would existing debt or financial obligations become harder to manage?

Key-person insurance helps create a financial safety net, so your business has support in place when the unexpected happens.

It's not always an easy conversation to have. But it's an important one: https://giffordcarr.ca/contact-us/

Buildings change. Construction costs rise. Upgrades add value. But most building insurance policies stay exactly where t...
05/18/2026

Buildings change. Construction costs rise. Upgrades add value. But most building insurance policies stay exactly where they were the day they were signed.

That's where gaps start to build.

Sandie Harris shares one question every building owner should be asking: Have you completed any renovations or upgrades recently?

Things like:
✅ Electrical updates
✅ Plumbing upgrades
✅ New wiring
✅ Improvements & betterments

If your insurer doesn't know about these changes, your coverage could fall short when it matters most.

If it's been more than a year since your last review, let's connect and make sure everything is up to date: https://giffordcarr.ca/contact-us/ ​​

Is money feeling a little tight lately? Or are you just trying to get more control over where it's going?Rick Chase is s...
05/14/2026

Is money feeling a little tight lately? Or are you just trying to get more control over where it's going?

Rick Chase is sharing a simple 5-day budget reset to help you get back on track:

✅ Day 1: Track everything you've spent over the last three months
✅ Day 2: Identify your non-negotiables
✅ Day 3: Cut or pause one unnecessary expense
✅ Day 4: Set one realistic savings goal
✅ Day 5: Automate one good financial habit

These small steps can help reset your mindset, improve spending habits, and create more financial clarity without feeling overwhelming.

Because budgeting isn't about being perfect. It's about building a plan that gives you more breathing room and less financial stress.

Want to learn more about building healthier financial habits and creating a plan that works for you? Reach out to our team: https://giffordcarr.ca/contact-us/

A lot of businesses set up their insurance once and rarely revisit it after that. That's often where risk starts to buil...
05/12/2026

A lot of businesses set up their insurance once and rarely revisit it after that. That's often where risk starts to build.

Your coverage should evolve alongside your business. As your operations change, your policy should too.

Sandie Harris some of the most common things that change over time:
✅ New services
✅ New revenue streams
✅ New risks and exposures

If those changes aren’t reflected in your policy, they may not be covered.

At Gifford Carr, we conduct an annual insurance review to help ensure your coverage reflects how you operate today. It's not about adding more than you need. It's about making sure there are no unexpected gaps when it matters most.
Because the worst time to discover a coverage issue is during a claim.

If it’s been a while since your last review, let’s connect: https://giffordcarr.ca/contact-us/

🔒 Cybercrime has moved closer to home.It is not going away. It is not something any one person or business can fully pre...
05/08/2026

🔒 Cybercrime has moved closer to home.

It is not going away. It is not something any one person or business can fully prevent.

What you can do is make yourself a harder target and make sure the coverage behind you reflects the risk in front of you.

A few thoughts on what's changed, and what's worth doing about it.

👉 https://giffordcarr.ca/blog/cybercrime-has-moved-closer-to-home/

05/07/2026

Meet Jodie Lefaive, our Commercial Marketing Manager at Gifford Carr!

Jodie plays a key role in strengthening how we bring our clients’ risks to market, ensuring every detail is thoughtfully handled to deliver the best possible outcomes.

Because in our world, details matter. From how submissions are structured to how risks are presented, it all makes a difference.

Working closely with our commercial marketing and risk management teams, Jodie is the definition of a true team player.

She’s here to set you up for success. Want to learn more about how Jodie can support your business? Reach out, we’ve got you covered!

05/01/2026

What would happen to your business tomorrow if a key team member could not come to work?

Let’s talk about key person insurance and the real risks it protects against.

Every business has individuals who are critical to its success. This could be an owner, a top revenue generator, a key technical expert, or someone who holds essential client relationships.

Now ask yourself this. If that person were suddenly unable to work due to illness, disability, or an extended leave, what would happen to your operations?

➡️ Would revenue drop?
➡️ Would projects stall?
➡️ Would debt obligations still need to be paid?
➡️ Would you need capital to recruit and train a replacement?

Key person insurance is designed to provide financial stability during that disruption. It can help cover lost revenue, protect cash flow, service debt, and give your business time to adjust without added financial strain.

If you are unsure whether your business is protected against this type of risk, our team at Gifford Carr can walk you through the right questions and help you explore your options: LINK IN BIO

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100 Terence Matthews Crescent
Ottawa, ON
K2M1P7

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

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