Roughley Insurance staff members cheering around a table while watching a Toronto Blue Jays game

What Is Personal Umbrella Insurance?

Liability lawsuits are unpredictable these days. While home and auto insurance carry liability protection, they most likely aren’t designed to handle a big claim, such as permanent disability.

If you lose a lawsuit that results in a payment amount that’s larger than your insurance policy covers, the remainder will have to be paid out of pocket.

Umbrella insurance is a kind of personal liability insurance that takes over when the liability limit on your standard home, auto or other personal insurance policies is maxed out. You can acquire a policy for as low as $125 for the year.

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Winter driving – it’s coming whether we like it or not.

Most of us have taken a bit of a break from winter driving (thanks, COVID!), and it is easy to forget how treacherous it can be out there on the roads in bad weather.

Now that we are FINALLY able to travel during the winter to visit friends and family, it’s a great time to brush up on some winter driving best practices.

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Accident Benefits, Death and Funeral Benefits

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident. This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

Many people aren’t aware that their auto insurance policy includes death and funeral benefits if death is a result of a motor vehicle accident.

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Accident Benefits, Income Replacement

What would you do if you were injured in a car accident and unable to work? Do you have short term disability coverage? Would you be able to get by with limited income for an extended period of time?

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Accident Benefits Series, Injuries

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident. This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

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Accident Benefit Coverage

Recently, accident benefit limits in Ontario were reduced. This means less coverage for you if you are injured as a result of an automobile accident. This applies to you whether you are a driver, a passenger, a pedestrian or a cyclist and whether you were at fault or not.

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Does Your Business Have the Right Insurance Coverage?

When's the last time you looked over your insurance coverage? If you're like most busy business owners, it's probably been a while. It's important to make sure you have the right coverages for your various business exposures. Even if you think you know what's in your...

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