Chief Insurance Brokers a division of Rhodes & Williams Limited

08/15/2022

Victoria Goodenough, 14, was last seen on Friday, Aug. 12 in the Clarence-Rockland area.

03/25/2022

04/19/2019

https://www.facebook.com/278075718909826/posts/2344420202275357?sfns=mo

It’s the perfect time to dedicate a weekend to rolling up your sleeves to clean the exterior of your home.

06/25/2016

Here's a handy warm weather maintenance checklist. Good reminders! https://www.intact.ca/newsletters/Spring-and-Summer-home-maintenance

Conseils d'entretien de votre maison en été. https://www.intact.ca/infolettre/Conseils-entretien-de-votre-maison-en-ete

Warm, sunny weather has its downside: leaf-filled gutters, cracked decks or patios, and badly needed outdoor maintenance. Our tips will help you get your chores done quickly so you can get outside and enjoy the sunshine.

06/25/2016

Summer's here! Get ready for road-trip season. https://www.intact.ca/newsletters/Get-ready-for-road-trip-season. Have a great and safe summer!

Soyez prêt à prendre la route des vacances. Profitez-en bien! https://www.intact.ca/infolettre/Prendre-la-route-des-vacances

The hot weather means you’ll be more inclined to hit the road, but the sun and gentle breeze aren’t safeguards against potential accidents. Make sure your car insurance is up to par so you have one less thing to worry about.

12/25/2014

05/07/2013

Most homeowners are careful to protect their most valuable asset with homeowners' insurance. However, many homeowners are not aware that their insurance policy may not cover their home if it is vacant for an extended period of time.

If your home is up for sale or will not be occupied for a certain period of time, you will need to switch your homeowner's insurance policy to a vacant home insurance policy. Vacant home insurance typically provides basic property and liability protection. Use these tips when insuring a vacant or empty home:

Review coverage options. Most home insurance providers offer several different types of coverage options. Property insurance will cover any physical losses and damage to the home, which may be a result of natural causes or vandalism. Liability insurance will cover you if something happens on your property that makes you legally responsible for the event. Flood coverage is usually an extended policy that protects your home in the event of flooding.

Find out about renewal options.

Call your insurance broker to determine whether your home is eligible for vacant home insurance. Every insurance provider will have different eligibility criteria for extending a vacant home insurance policy to a home owner. In many cases, your home must be vacant for less than a certain number of months, be up for sale, be in the name of an estate property, or under renovation for a certain period of time.

Learn about exclusions. Make sure you review the insurance contract in detail and understand what types of exclusions apply to your policy. Some insurance providers may look at your home as "abandoned" when it has been sitting empty for more than one or two months. If this happens and you end up filing a claim on a regular homeowner's insurance policy, the insurance company may have the right to reject your claim because abandoned or neglected homes are not covered under the vacant home policy. Make sure you notify your insurance broker that you will need a new, vacant home policy if you plan to leave your property sitting empty for more than a few weeks.

Even if you are able to obtain coverage for your vacant home, take sensible steps to protect it while it is unoccupied. Be sure that doors and windows are locked and that locks are strong and secure. Set your security system if you have one. And be sure that you don't advertise that your home is vacant: discontinue newspaper and mail delivery or have someone retrieve papers and mail while you are gone, have the lawn mowed and maintained, and set timers so that lights (and perhaps television sets or radios) come on at night.

04/08/2013

Possédez-vous une entreprise?

Avez-vous pensé acheter un contrat d’assurance des entreprises?

Ce n'est pas obligatoire, cependant, en cas de sinistre, vous n’aurez aucune protection. Il est important d’analyser et de déterminer de façon précise vos activités, ce que votre entreprise représente pour vous et comment protéger adéquatement les biens de votre entreprise.

Vous devriez avoir une couverture pour les personnes (le travailleur, le travailleur bénévole, les membres du conseil d’administration); les biens; le bâtiment; les dommages que vous pouvez causer aux autres (ou la responsabilité civile)

Assurance des chantiers
Cette garantie est conçue pour les entrepreneurs en construction et en réparation de bâtiment. Elle ne s’applique pas aux projets des particuliers. Il s’agit d’une garantie qui couvre les biens qui sont sur le chantier et qui feront partie de la construction (la plomberie, le chauffage, l’électricité, etc.)

L’interruption des affaires
Votre entreprise subit un sinistre important. Pouvez-vous vous permettre d’interrompre vos activités pour une longue période? Cette protection dédommage les pertes d’exploitation que vous subirez en cas de sinistre. Elle prévoit une couverture pour :
la perte de bénéfice brut; la perte de loyers; assurance de frais supplémentaires.

Il y a également d'autres protections à considérer: Assurance détournement, disparition ou destruction, L’assurance contre le vol d’argent ou des valeurs (sur les lieux ou hors des lieux)
les dommages d'eau, etc...

En général, la prime est établie selon le type d'entreprise que vous exploitez, la nature des risques qui s’y rattachent et les besoins que vous avez.

Si vous désirez obtenir une soumission (sans obligation) pour de l'assurance entreprise ou si vous voulez faire reviser vos contrats actuels, n'hésitez pas à communiquer avec moi au 613-446-2224.

Marc Cheff

03/31/2013

Et voici ce qui s'annonce...

Les toutes dernieres observations et previsions meteo pour Rockland, Canada

03/31/2013

You often ask why you pay high premiums for insurance. Take a look at this youtube video about Fraud on the rise in Ontario.
Vous vous demandez pourquoi les primes d'assurances sont élevées, prenez deux minutes et regardez ce video.

©Insurance Bureau of Canada. All Rights Reserved. When someone makes a false or exaggerated auto insurance claim, honest consumers pay more than they should ...

03/30/2013

Some"bunny" got caught speeding! Have a safe Easter weekend. Happy Easter!
Soyez prudent sur les routes en cette fin de semaine de Pâques. Joyeuses Pâques!

03/27/2013

http://www.meteomedia.com/news/storm_watch_stories3&stormfile=Pr_parer_la_voiture_pour_le_printemps_27_03_2013

(10h00) Le printemps commence lentement à s'installer, et il est temps de préparer sa voiture pour la saison.