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CAA Belleville Insurance: Multi Discount Savings and 24/7 Emergency Roadside Help

Couple Calling For CAA Belleville Insurance

CAA Belleville Insurance: Multi Discount Savings and 24/7 Emergency Roadside Help

Planning a road trip? Get there safe and sound with a CAA Belleville membership!

With a CAA Belleville membership at Mackay, you can count on 24/7 roadside service any day of the year. Plus, your CAA membership is valid throughout Canada and the U.S.!

So no matter where you are, we guarantee help is on the way.

The best part?

More protection on the road means more savings for you!

As a CAA reseller, we can combine your CAA account with your Mackay home and auto insurance packages. That means when you register for CAA with us, you can qualify for multi-discount savings!

Trying to determine if CAA is a good investment for you? Keep reading!

 

What is a CAA Belleville Membership?

CAA (The Canadian Automobile Association) is Canada’s most reliable roadside service provider.

In fact, it’s considered one of Canada’s most trusted brands!

Established in 1913, CAA was originally an advocacy organization for travellers. But today, it has become a sought-after voice. And not just in road safety! In new vehicle technologies, the environment, mobility, and consumer rights.

When you sign up for a CAA Belleville membership, you’re guaranteed to get the help you need - wherever you are!

CAA memberships cover many services - from fuel delivery to flat tire emergencies!

CAA saves you the hassle of dealing with an unexpected roadside emergency alone. So you can enjoy the journey without the stress!

 

Why Should You Invest in a CAA Membership?

CAA memberships are not mandatory. But as an insurance company focused on loss prevention, protection and safety, we couldn’t recommend it more.

CAA is a valuable resource!

Knowing you have the protection of a reliable team on-call 24/7 is incomparable. It allows you to live a life full of freedom, peace of mind and confidence on the road!

 

5 Top Benefits of Becoming a CAA Member?

What are the benefits of becoming a CAA Belleville member? Is it worth it?

Let's discuss five of the top benefits below!

1. 24/7 Roadside Assistance

Reliable roadside assistance is one of the most well-known and appreciated CAA services.

Whether you’ve run out of gas, popped your tire or killed your battery, CAA roadside service is there to help! 

They have you covered 24/7 - no matter the season.

CAA Roadside Services Include:

  • Car battery services
  • Flat tire services
  • Fuel delivery services
  • Lockout services
  • Towing services
  • Extrication services
  • Mechanical First Aid

2. Anywhere Towing in Canada And The U.S.

Road-tripping into the States? Travelling across Canada? Commuting to work?

Whether you travel near or far, your CAA membership travels with you!

You can access our roadside services, including towing, anywhere in the U.S. and Canada!

3. Protection in ANY vehicle

Your CAA Membership follows YOU. Not your license plate.

So regardless of what vehicle you’re in, CAA has you covered (as long as the vehicle is eligible) - whether that’s your vehicle or somebody else’s!

As long as you have a CAA membership, help is on the way.

4. Trip Accident and Interruption Assistance

Trip accident and interruption assistance ensure you’re never left stranded!

If your vehicle becomes disabled for 24 hours or more, and you are 160 or more km from home, you may qualify for certain reimbursements!

The reimbursement you're entitled to depend on your membership level, but it can be up to $600.

Trip accident and interruption assistance can cover one of the following:

  • Restaurant meals
  • Accommodation
  • Car rentals
  • Commercial Transportation

5. Two-Day Complimentary Rental Car

What if your vehicle gets towed away? You have to get to work tomorrow somehow!

You get two free car rental days each year with a CAA Premier membership plan.

Don’t worry about finding a ride again. CAA’s got you covered!

Note: Only Premier members have access to this complimentary benefit.

 

How To Get Help On The Road

If you have a membership, how do you use it? We explain the steps of using your CAA membership below!

But first…

Is Your Vehicle Eligible For Roadside Assistance?

As mentioned above, your membership follows you, not your car. So as long as you are in an eligible vehicle, you should qualify for your specific plan’s benefits!

Eligible Vehicles Include:

Note: some of these vehicles may require specific CAA membership plans (i.e. CAA Premier RV). Not all benefits apply to all vehicles (i.e. Bike Assist).

Ineligible Vehicles Include:

  • Limousines
  • Taxis/Ubers/Lyft vehicles
  • Vehicles equipped with storage for hazardous materials
  • Minibuses
  • Racing cars/demolition cars
  • Tractors
  • Snowmobiles
  • Two-seater UTVs

Requesting Roadside Assistance

CAA has over 35,000 road service vehicles throughout Canada and the U.S. So no matter where you are, they can get to you!

Here’s how to request roadside service:

First, get prepared.

The first step in requesting roadside service is to ensure you have all the information you need before calling.

As soon as you request service, you’ll need to provide the following information:

  • Your membership number and expiry date.
  • Your name and address.
  • The location of the disabled vehicle.
  • The vehicle's make, model, year, colour and licence number.
  • The problem with your vehicle.
  • A phone number where they can contact you.

*To receive service, you must remain at or near your vehicle. CAA will accommodate you in extenuating circumstances.

*If you have an animal with you, You must let your provider know.

Next, contact CAA.

There are four ways to contact CAA for roadside assistance:

  1. The CAA App
  2. Call: 1-800-222-HELP (1-800-222-4357)
  3. Text "RESCUE" to 222247
  4. Request Service Online

Lastly, track your service!

Once you’ve requested service, you can start tracking their arrival using The CAA Service Tracker.

 

Why Sign Up For a CAA Membership Through Mackay Insurance?

As mentioned above, Mackay Insurance is a registered CAA reseller.

When you sign up for a CAA Belleville membership through us, we can link it to our account. This can qualify you for exciting multi-discount saving opportunities!

Planning on becoming a member? Don’t forget to use the registration link on this page and contact us to combine your CAA account with your Mackay home and auto insurance.

 

Wherever You Go, We’re There For You!

Our mission at Mackay Insurance is to keep you and your family safe and well-protected. What better way to do that than to ensure you have the help you need right when you need it?

Register for your CAA membership through Mackay Insurance today and let our team save you time, money and stress. So you can enjoy the journey!

Contact our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555.

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Contractor Insurance Quotes For a Safer Job Site

Contractor Insurance Quotes For Construction Teams.

Contractor Insurance Quotes For a Safer Job Site

Your business is your livelihood. Your passion! And it’s up to you to ensure it’s safe and protected. 

As a contractor, you have the incredible opportunity to work in a wide variety of settings. To work with and for many different people. And to experience new challenges daily.

It’s exciting yet also demanding. And the results are always worth it in the end. That’s the thrill of working as a contractor!

But without the right coverage, these exciting challenges can quickly become your greatest risk. Or even your downfall!

Learn more about contractor insurance as well as how to get free contractor insurance quotes below.

 

What Is Contractor Insurance?

A day in the life of a contractor is never the same as the last. There’s always something new to learn. And their “office” is typically on the go. And while it’s exciting, we also mentioned how risky it can be. 

Construction and maintenance work is actually considered one of the most dangerous professions. That includes homebuilders, ironworkers, roofers etc. 

These jobs involve more physical labour, heavy-duty machinery/equipment and dangerous working conditions. 

Common Contractor Professions:

  • General Contractors 
  • Handyman Services
  • Excavating Companies 
  • Electricians 
  • Plumbers
  • Roofing Contractors 
  • Masonry Contractors 
  • Painting Contractors
  • Drywall & Siding Contractors 
  • HVAC Companies

All these professions involve at least one element of risk. Most involve more than one.

For example, electricians face several dangers at a job site. This includes electrical shock, burns, falls, toxic substance exposure or personal injury. 

And that’s just while they’re on the job site! 

Other risks associated with contract work include: 

  • Damage to third-party property,
  • Completed work liability and
  • Reputation harm.

That’s where contractor insurance comes in! 

Contractor insurance protects contractors, subcontractors and contracting companies against, 

  1. Liabilities and 
  2. Damages.

Contractor insurance includes the four areas mentioned above. That is bodily injury, completed work, reputation harm and third-party property damage. 

On top of these coverages are optional add-ons, including: 

  • Installation Floaters 
  • Builder’s Risk Coverage
  • Tool Floaters 
  • Pollution Insurance 
  • Performance Bonds 
  • Contractor’s Surety Bonds 
  • Cyber Security 
  • Fleet Coverage

Your Mackay Insurance broker can help ensure you have the best coverage for your needs. Ask about our contractor insurance quotes to get started! 

 

Why Should You Invest in Contractor Insurance?

There are many reasons to invest in a contractor insurance policy. Some air on the side of caution, while others are legally required. 

In Ontario, it’s mandatory for contractors to, 

a) Have commercial general liability insurance and to

b) Show a valid insurance certificate. 

This insurance protects your business and yourself from property damage or injury claims. 

A contractor’s job involves many moving parts. Ranging from people to equipment, machinery, vehicles, tools etc. 

It’s no wonder a contractor’s job site is so chaotic! 

And when there’s that much chaos happening, accidents are bound to happen. 

When those accidents do happen, ensuring you have the right coverage can save your livelihood. 

Ask your Mackay Insurance broker about our free contractor insurance quotes today! We ensure you have all the mandatory coverages in place. We can also discuss further recommendations to help protect your business. 

 

What Does Your Contractor Insurance Policy Cover?

Your contractor insurance policy covers four specific areas. That includes injuries, damaged property, completed work and reputation harm. 

These coverages protect you, the contractor, and the client. 

Let’s discover what each of these coverages entails below!

Damage to Third-Party Property 

Your contractor liability insurance covers accidental damages to third-party property. This could be to the property, a nearby property or something within the property. 

Your insurance covers the legal fees associated with this damage. That includes repair and replacement costs.

For example...

An HVAC contractor accidentally damaged your walls while carrying equipment into your home. Their liability insurance covers the damages caused by this mishap.

Body Injury 

We’ve already mentioned how dangerous contract work can be. Whether it be the tools used, the machinery or the work environment, a day in the life of a contractor is full of risk. 

What happens if your work causes bodily injury to a third-party individual? That could be the mailman, the homeowner or even the neighbour.

It’s up to you to have the right insurance coverage to protect yourself, the business and them.

For example...

What if a renovator dropped a tool from the roof and it ends up injuring a third-party individual? Their liability insurance covers the legal or medical fees associated with this accident. 

Completed Work 

The neat thing about contractor insurance is that it doesn’t end when the contractor leaves the job site. Their insurance continues protecting them even after they’ve finished!

For example...

An electrician improperly installed new electrical wiring. That wire then leads to a house fire. In this situation, their insurance covers the legal, medical and repair/replacement costs of this house fire..

Reputation Harm

This is one of the most valuable coverages. 

Reputation harm coverage protects against slander, libel, copyright infringement, privacy violations etc. 

An example of this would be if a contractor got sued for copyright infringement. Their liability insurance would cover the legal costs associated with this scenario. 

Add-On Coverages

There are many other coverages not included in basic contractor liability insurance. We’ve listed a more comprehensive list of extra coverages above. 

These extra coverages provide specific protection for specific businesses but are not required. 

One example of added coverage is worker’s compensation insurance. This covers medical costs, lost wages, disability and death benefits etc.

 

Get Free Contractor Insurance Quotes With Your Mackay Broker!

Start protecting your livelihood today with your local Mackay Insurance broker! Contact our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555.

We also offer FREE contractor insurance quotes online!

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Does My Home Insurance Plan Cover Slips and Falls On My Property?

Visitor slipping on homeowner's property.

Does My Home Insurance Plan Cover Slips and Falls On My Property?

Autumn is quickly turning into winter here in Quinte, Ontario. And now that most of the leaves have fallen, homeowners are preparing their properties for the first snowfall. That means goodbye leaf rakes and hello snow shovels! 

As you prepare for winter, don’t forget to focus on slip and fall prevention. Although many of us like to prepare for the winter season with holiday decor, the more crucial step is to ensure your property is safe for your family and guests.

Did you know accidental falls are the most common cause of hospitalizations and emergency department (ED) visits? According to the Canadian Institute for Health Information (CIHI), there were 654,000 ED visits caused by accidental falls in 2016-2017. And resulting injuries varied from fractures to more extreme head injuries. 

The Public Health Agency of Canada has also noted that Ontario's snowfall and warmer winter temperatures increase the risk of these fall-related ED visits. 

This means homeowners need to be extra cautious when that first November snowfall does hit. Heavy snowfall paired with a mild climate can make for a treacherous landscape. 

Don’t get caught off guard with a slip, trip and fall claim! Know what your home insurance policy covers and learn how to prepare your property for the unpredictable snowy season ahead. 

 

Your Home Insurance Plan Covers Medical Payments and Personal Liability 

Your home insurance plan protects against numerous types of loss and damages, from theft to house fires, fallen trees, accidental falls etc. 

Typically when we think of the term damages, we think of structural damages. Those caused by wind, rain or vandalism. But in a legal case, damages actually pertain to the amount of money compensating for loss, medical expenses, and suffering. 

As a homeowner, you are responsible for keeping your property safe. This means keeping up with proper maintenance and ensuring safe conditions.

If someone slips, trips or falls on your property due to dangerous conditions, they could very well sue you! And if you are negligent or at fault for those injuries, you’re held liable. 

This is where your home insurance policy comes in!

Your home insurance helps cover medical payment expenses and protects you if you are found liable.

Medical Payments Coverage 

Medical payment coverage helps pay for medical expenses related to the injury on your property. 

This can include: 

  • Surgeries 
  • Hospital stays 
  • ER visits 
  • Ambulance rides 
  • Physical therapy etc. 

Personal Liability Coverage 

Personal liability coverage protects you financially if you are negligent or at fault.

How do you know if you are legally responsible for the injuries obtained on your property? Answer the following questions to find out!

  1. Did you cause dangerous conditions on your property?
  2. Did you fail to fix unsafe conditions on your property?
  3. Should you, as a reasonable person, have known about and repaired hazards on your property?

You could be found negligent if you answered yes to any of the above questions. 

Negligence means you failed to reasonably take care of something - causing damage or injury to someone else. 

If you are found negligent, your home insurance will help cover you with personal liability coverage. This coverage helps pay for legal expenses, settlement costs, lost wages etc.


 

Someone Just Slipped and Fell On My Property! What Should I Do?

Step 1: 

First and foremost, make sure they’re okay. Call an ambulance or find medical treatment if necessary. 

Step 2:

Write everything down! This includes a complete accident description from the injured person and all witnesses. Don't forget to jot down the necessary witness contact information as well!

Step 3:

Contact your insurance provider and transfer all further discussions to them. You will also want to provide them with all the details you collected in Step 2 and any other information they request.

Step 4:

Take photos of the injury, the area where the injury occurred and any other necessary components. 

Step 5:

Find out why the injury occurred and learn how to prevent future accidents.

 

How To Prevent Slip and Fall Accidents On Your Property 

As mentioned above, you are responsible for ensuring the safety of your property. While this applies to indoor and outdoor areas, this article focuses on your outdoor property.

Outdoor Winter Property Maintenance Tips:

  • Install railings where necessary.
  • Shovel and salt your driveway and walkway as necessary.
  • Provide sufficient lighting for your walkway.
  • Fix any wear, tear and damage to your property (i.e. an uneven or cracked sidewalk).

Even leaves and other debris can cause a hazardous walkway for visitors. So keeping your walkway clear before the snow comes is just as important!

Note: 

You may be responsible for maintaining your rented property as a tenant. If you’re unsure, review your tenant contract or clarify these details with your landlord. And don’t forget to get their answer in writing! You may be found responsible if someone injures themselves on your rented property.

 

Invest In Complete Coverage With a Mackay Home Insurance Plan! 

Accidents happen. But they’re not inevitable! 

Contact your Mackay Insurance broker today to discuss your home insurance needs! We're committed to protecting your home - for you, your family, your visitors and your wallet! 

You can contact us online or call one of our two Quinte office locations below!

Our Belleville Office: 613-966-5740.

Our Napanee Office: 613-354-2555

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Why Classic Car Insurance Is Important All Year Round

Driving Safely With Classic Car Insurance

Why Classic Car Insurance Is Important All Year Round

Do you need classic car insurance, even during the off-season?

In one of our recent blog posts, we discussed the importance of keeping your boat insured over the winter months. And how, even though it’s tempting to cancel that insurance, we actually recommend keeping it!

In this article, we’re answering the same question, but about your classic car.

As a collector car owner, you know how fragile and treasured your vehicle is. It wasn’t built for Canada’s cold temperatures or rough terrain. And it was definitely not designed to withstand heavy snowfall.

That’s why most vintage car owners keep their vehicles indoors over the winter month. They store them safely away in a shed, garage or vehicle storage facility. And they won’t operate the vehicle again until late spring or early summer,

That is simply the nature of owning a classic car.

Why then is it necessary to ensure your car during the off-season?

If you’re not planning on taking it out for a spin in the snow, wouldn’t it be cheaper to cancel its insurance temporarily?

In most cases, no.

Classic car insurance is not meant to be a temporary solution. It’s a year-round commitment meant to keep your vehicle protected - whether it’s driven or not.

 

What Does Classic Car Insurance Coverage Include?

Classic car insurance is a specific type of auto insurance. It’s designed to protect antique or classic cars, rather than your everyday-use vehicle.

Classic car insurance is similar to traditional auto insurance in some aspects. However, it offers a more specialized approach to vehicle protection as well.

Some of the similar coverages that you’ll find in both traditional and collector car insurance include:

  • Collision
  • Comprehensive
  • Property Damage
  • Bodily Injury Liability

The unique aspect of collector car insurance is the specialized coverage it offers for reimbursements, repairs and restoration.

This is where Agreed Value and Spare Parts Coverage comes in!

Agreed Value Coverage

Agreed Value coverage promises the agreed-upon value in the event of theft or damage. This value does not depreciate over time, as does Stated Value coverage.

This ensures you get the full, agreed-upon worth of your vehicle.

Spare Parts Coverage

Because your collector car is so unique, finding part replacements is costly. Spare Parts coverage helps pay for these expensive classic car parts and engine components. So you’re not left shouldering hefty restoration costs on your own!

 

4 Reasons To Keep Your Classic Car Insurance Over The Winter

You now understand classic car insurance and how it uniquely protects your vintage car. But do you know why you should keep that insurance over the winter?

A lot of car collectors think that pausing their car insurance plan over the winter is smarter and cheaper.

After all, they’re not using the car anyway, so why should they protect it?

But we’re here to tell you why keeping that insurance package is so important. And how it can actually save you money in the long run!

Below are four reasons to keep your classic car insurance over the winter:

1. Your antique vehicle can still become damaged while in storage.

You don’t have to drive your antique car to risk damaging it. Even tucked away in a storage facility, it still has a chance of becoming damaged.

Another vehicle could roll into it. Or even a beam from the ceiling could fall on top of it!

Accidents happen - whether you’re on the road or not. And without the proper insurance, the costly repairs would be yours alone to pay for.

Classic car insurance helps prevent the financial repercussions of these potential damages.

2. Someone can steal your antique vehicle while it is in storage.

Your vintage car is your prized possession. And after putting so much work and money into their restoration, you've probably become extremely protective of it. And for good reason!

Collector cars are rare and valuable. They’re definitely not something you can carelessly leave idling in your driveway or in an unlocked garage.

In minutes, they can get snatched up and resold - either as a whole or for parts. Which is why you are constantly reminded to,

  • Lock your garage.
  • Cover your vehicle.
  • Never leave your car idling unsupervised.
  • Never leave the keys in the ignition.

And while classic car insurance won’t prevent theft, it will prevent financial devastation if theft does occur.

3. Your vehicle is always vulnerable to fires, flooding and other natural disasters.

Whether you’ve securely stored your vehicle on your property or within a storage facility, there is still a safety risk. 

Your antique vehicle is still vulnerable to fires, floods and other natural disasters. And no matter how many precautions you took in keeping the vehicle safe and away from harm’s way, that risk remains.

The only way to truly protect it is with collector car insurance!

Agreed Value and Spare Parts Coverages safeguard your investment - even in the event of an unforeseen catastrophe!

4. You could experience a penalty for cancelling your insurance plan.

Another reason you should not cancel your insurance for the winter season is to avoid mid-policy cancellation fines.

Most insurance companies offer year-long policies. And if you decide to cancel the insurance for a season, you expose yourself to further financial risk.

Even beyond the risk of financial loss is the effect this cancellation can have on your insurance history. A gap period between insurance plans isn’t something insurance companies like to see. And you could experience higher premiums because of it!

To avoid this penalty and loss of trust from your insurance company, we always recommend keeping your insurance policy until the end of the designated term.

 

Your Classic Car Is Too Precious Not To Protect!

At Mackay Insurance, safeguarding your investments is what we do. And your classic car holds too much value to not be thoroughly protected.

To learn more about our classic car insurance package, contact our office! 
You can reach our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555. And don’t forget to ask about our free, no-obligation collector car insurance quotes!

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14 Valuable Cottage Insurance Tips For a Successful Cottage Closing

Fall cottage on a lake in Ontario.

14 Valuable Cottage Insurance Tips For a Successful Cottage Closing

Summer is quickly coming to a close - bringing a sad so-long to the heat and adventures of summer. And after spending as many long weekends and vacation days at the cottage as possible, it’s time to shore the docks.

As a cottage owner, you know the importance of closing down your cottage for the winter. And as insurance brokers, we have all the tips you need to get the job done right!

In this article, we have 14 valuable cottage insurance tips that will help you,

  • Close your cottage down successfully. 
  • Limit the risk of unnecessary loss and damage over the winter season.
  • Ensure your cottage insurance coverage is up to date.

Ready? Let’s get your Ontario cottage safely into hibernation mode!

 

1. Get your wood stoves and other heating systems checked.

Seasonal cottages usually have their heat source(s) shut down during the off-season.

This saves money on unnecessary heating costs and prevents your cottage heating from becoming a fire hazard.

So during your last visit to the cottage, be sure to shut off and clean your heating system - whether it's a fireplace, furnace or space heater!

You’ll also want to shut off/disconnect any gas lines and fuel supplies.

 

2. Turn off your main water supply.

Keeping your water on over the winter months is just asking for trouble.

Not only can this cause expensive water damage repairs. But it can also bring about mould and mildew growth!

If left unchecked, mould growth can even lead to:

  • Floorboards caving in
  • Ceiling collapses and
  • Crumbling walls.

And none of these vulnerabilities is something your insurance company wants to risk.

So, as you're shutting your cottage down for the season, don’t forget to shut off your main water supply too!

 

3. Empty your pipes, water tanks and drain lines.

Standing water in your pipes, tanks and lines can lead to freezing and even bursting - causing extensive home and plumbing repairs.

To avoid this issue, remember to drain your:

  • Pipes
  • Water Tanks
  • Drain Lines
  • Appliances etc.

 

4. Turn off your electricity.

Since there is no heat or running water in your cottage during the winter, turning off your electricity is the next obvious step.

According to the ESA, there are four critical steps in powering down your cottage:

  • Unplug all appliances before powering down.
  • Turn off each breaker before flipping the main breaker switch. This protects your large appliances from experiencing a damaging power surge when powered back up in the spring.
  • Store extension cords safely in a waterproof and rodent-proof location.
  • Check for tree branches near powerlines on your property to prevent electrical damage and fire hazards).

Note: Before turning off your electricity, remember to empty your fridge and freezer of any perishable goods.

 

5. Inspect your roof.

A damaged roof increases the risk of leaks and cave-ins over winter. That’s why repairing your roof before winter arrives is so important!

Heavy snow and high gusts of wind can cause severe damage to your home - both internally and externally - if your roof is not secure.

When inspecting your roof, look for:

  • Broken or missing shingles
  • Leaks
  • Mould growth
  • Sagging areas
  • Rusted nails
  • Insect/Animal infestation
  • Dark patches

And while you’re up there, don’t forget to clear your gutters!

 

6. Clear out your eavestroughs and downspouts

Rain water can’t drain properly from your roof with clogged eavestroughs and downspouts.

This water buildup can cause expensive water damage to your home, both internally and externally.

The solution?

Before leaving your cottage for the winter, ensure your roof’s drainage system is fully intact and cleared out. This will prevent water from pooling in and leaking into your home.

 

7. Trim overhanging branches.

Trimming large, overhanging branches on your property is incredibly helpful for more than one reason.

We already mentioned how trimming branches near power lines help prevent electrical damage and fire hazards. But those aren’t the only trees you have to worry about.

Overhanging branches around your home, boathouse and sheds can also present a problem. That problem could be the branches themselves falling on these structures or even heavy snow and ice falling off them.

 

8. Ensure unwanted critters can’t get into your cottage.

Over the winter months, most critters are looking for a warm escape, shielded from heavy snowfall.

Unfortunately, your vacant cottage is the perfect hideaway for mice, racoons, squirrels and even bats.

And all of these creatures can wreak havoc on your home, its structural integrity, furniture and other valuables.

To keep your cabin guest-free over the winter, follow these steps:

  • Keep wood piles far away from your cottage.
  • Clear out your gutters.
  • Reapply caulking around pipes, dryer vents and gas lines.
  • Check window and door seals.
  • Use steel wool to fill in small holes.
  • Cover your chimney.
  • Seal foods like oats, pancake mix and pet food (or, better yet, take them home with you).
  • Set traps in and around your cottage.

 

9. Store your boat and other recreational vehicles safely away.

To keep your water-crafts safe over the winter, we recommend storing them in a secure location and investing in boat insurance.

Are you planning on storing your boat on your cottage property over the winter? If so, you’ll want to ensure it’s well protected from harsh weather, uninvited critters and robbery.

This is why boat insurance is so important!

Is boat insurance still necessary while it's in storage?

 

10. Remove the doc from the water.

As water freezes and unfreezes, ice expands and contracts. And, since wooden docks soak up water, this expanding and contracting can cause breakages.

Removing your dock from the water ensures it doesn’t get ruined over the winter months.

Note: If you plan to keep your dock in the water over the winter with water agitators, don’t forget to post a sign on its location! Snowmobilers and skiers who use the frozen lakes for recreational use over the winter never expect docks to lie in their path. So labelling the location of your dock helps keep them safe.

 

11. Go over your current cottage insurance coverages.

Once you've packed up your cottage, it’s time to review your current cottage insurance plan.

This is especially important if the usage of your cottage has changed recently. Having up-to-date coverages that reflect your specific needs helps ensure that you,

a) Have the right protection, and

b) Are not overpaying for any unnecessary coverages.

10 Questions You Need To Ask Before Choosing a Cottage Insurance Policy

 

12. Speak with your insurance broker about recent or upcoming cottage renovations.

Have you made any recent changes to your cottage lately? Or plan to?

If these renovations are not currently reflected in your policy, they aren't protected. This means that they are not reimbursable in the event of damage or loss.

Making sure your insurance company is aware of these changes ensures your property is fully protected. And that includes any recent, pricy upgrades!

 

13. Remove all valuables from your cottage property.

As you’re doing a final sweep of the cottage, make sure you pack up all valuables. That includes expensive equipment, recreational vehicles (i.e. kayaks), landscaping tools etc.

Removing your valuables from your vacant cottage helps prevent break-ins and theft.

 

14. Secure your cottage.

Lastly, secure your cottage as best you can!

Cottage security tips:

  • Lock all doors.
  • Lock all windows.
  • Draw your curtains so people can’t see indoors.
  • Store outdoor ladders and furniture away from your cottage.
  • Install a gate at the front of the driveway.
  • Ask a nearby neighbour to check in once in a while.
  • Install security cameras and an alarm system.

 

Need An Updated Cottage Insurance Policy? Contact Mackay Insurance in Belleville and Napanee!

At Mackay Insurance, keeping your family and home as safe as possible is our number one goal. And that includes your home away from home!

Want more information on our cottage insurance packages? Whether looking for a new policy or upgrading your current coverages, your Mackay broker can help!

Contact our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555. And don’t forget to ask about our free, online cottage insurance quotes!

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Is Boat Insurance Still Useful In Winter When It's In Storage?

Packing summer boat away for the off-season.

Is Boat Insurance Still Useful In Winter When It's In Storage?

It’s tempting to cancel your boat insurance in the off-season. But should you?

Now that summer is ending and you’re getting your boat ready for storage, it probably seems natural to cancel your insurance coverage. After all, why would you need your boat protected when it’s not even on the water?

While some consider winter boat insurance coverage to be an unnecessary expense, it’s quite the opposite.

During the summer, your boat is likely skimming across the Bay of Quinte, carrying multiple passengers. And while it’s on the water, it’s obvious how much of a risk it can become - whether that’s to you, the boat itself, your passengers or even other boats on the water.

In this case, this insurance coverage makes absolute sense.

But is boat insurance still useful in winter, when the boat is in storage?

Yes!

It may not put other boats and passengers at risk while stored away, other factors can put it at risk - like theft, vandalism, fire etc.

In this article, our Mackay Insurance brokers discuss the value of winter boat insurance - keeping your investment as safe and protected as possible during the off-season.

 

What Does Boat Insurance Typically Cover?

Boat insurance typically covers two things - the boat itself and your liability in the event of an accident. 

Let’s break down these coverages in more detail below:

Physical Boat Coverage

Boat insurance coverage protects the physical boat and attached/onboard boating equipment, such as the hull, boat motor, sails and engine.

This all-risk boat insurance covers physical risks such as:

  • Weather-related perils,
  • Fire,
  • Loss,
  • Damage,
  • Theft and
  • Vandalism.

If your boat is no longer useable (due to one of the above events), your insurance plan provides a loss settlement. 

  1. Agreed Value

In an Agreed Value policy, insurance companies provide the agreed-upon amount in the policy. Physical depreciation is not factored into the agreed-upon value.

  1. Actual Cash Value (ACV)

In an ACV policy, insurance companies reimburse the current market value. In this case, the insurance company does factor in physical depreciation.

Additional Boating Insurance Coverage:

Most insurance companies also offer additional boating insurance coverages. These are add-ons to your existing policy and offer further protection. 

1. Personal Property Coverages

Extra insurance coverage that many boaters invest in is personal items coverage. This coverage protects personal belongings aboard your boats - such as clothing or fishing equipment.

2. Emergency Towing & Assistance Coverages 

Just as CAA insurance goes hand in hand with car insurance, emergency boat assistance goes hand in hand with boat insurance.

Emergency Towing & Assistance coverage reimburses you for costs associated with emergency services. This could include towing, fuel delivery or even emergency repairs.

 

Accident Coverages

Liability Coverage

What happens if you experience a boating accident and another party makes a claim against you?

In this situation, liability boat insurance is imperative.

It financially protects you, the boater, if you cause injury or damage to another person’s property or boat.

Note: Liability boating insurance is not required by law. However, it is highly recommended.


 

5 Reasons Why You Should Insure Your Boat In The Off-Season

Now that you know what boating insurance covers, let’s explore why it’s useful to keep this insurance over the winter months.

1. Theft and Vandalism

Although the in-water risks associated with boating are extensive, out-of-water risks to your boat exist too.

Over the winter months, you can store your boat in several different locations:

  • On your property (i.e. in the garage or a boathouse).
  • At a marine.
  • In a storage facility.

But no matter where you choose to store it, your boat is still at risk of theft, damage and vandalism.

Anyone can steal the boat from your property, vandalize it at a public marine or damage it in a storage facility.

Thankfully, boat insurance covers these types of losses.

But if you do not have boat insurance, you are responsible for repairing/replacing your boat out-of-pocket.

 

2. Weather Damages

Your boat may have an off-season, but weather conditions are ongoing.

Even if your boat is safely stored away, weather damages can occur.

While your boat may not experience the same weather damages as it would on the water, there are others to consider.

For example, fire and flooding are two high-risk weather events that can cause extensive damage and loss. And without coverage, these damages and losses are your responsibility alone.

 

3. Homeowners Insurance Might Not Cover Your Boat

If you choose to store your boat on your property, does your home insurance policy cover it?

Yes and no.

Homeowners insurance can cover damages to your boat while it’s on your property, but these coverages have a strict limit.

Smaller watercraft, like canoes and kayaks, are typically covered in full. However, powerboats, pontoons and sailboats are not - leaving you to pay for most of the loss yourself.

 

4. Some Lenders and Storage Facilities Require Boat Insurance

Although boat insurance is not required by law, some lenders, marines and storage facilities do require it.

These parties are protecting themselves and their investments, just as you should!

 

5. Canceling or Pausing Your Coverage Could Cost You More In the Long Run

It may seem like cancelling your boat insurance during the winter can save you money. But this is not always the case.

Firstly, you could experience cancellation penalties if you exit your insurance plan before the end of your policy term.

Secondly, insurance companies typically prefer to ensure a boat that has already had insurance coverage in the past.

And thirdly, many insurance companies reward clients with a reduced deductible for each claim-free year. Cancelling your coverage plan would eradicate this reward.

 

Contact Mackay Insurance For Your All-Season Boat Insurance

Your boat is a major investment. Just like your home, trailer or car is! Keeping it protected, whether it’s in use or not, is invaluable.

Learn more about your Belleville Boat Insurance options from our Mackay Insurance Brokers today! You can reach our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555. We also offer free boat insurance quotes online!

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Cottage Insurance: 10 Questions You Need To Ask Before Choosing a Policy

Local Island Cottage in an Ontario Lake.
Off-Grid Island Cottage In Ontario, Canada.

Cottage Insurance: 10 Questions You Need To Ask Before Choosing a Policy

Your cottage is your safe haven. Your peace and quiet. Your vacation! But without the right cottage insurance coverage, your home-away-from-home might actually become:

a) A safety risk and

b) A Financial liability.

Are you investing in a new cottage property this year? Maybe you already have a cottage and a policy but aren’t happy with the cost or coverages you’re getting.

Now is the time to start thinking about (or re-thinking) your cottage insurance policy.

After all, your cottage policy is what protects your vacation home in the event of:

  • Fire
  • Theft
  • Explosions
  • Vandalism
  • Damage from falling objects
  • Weather Damage

But not all cottage policies are the same.

Do you need help understanding cottage policies and how to choose the right one?

In this article, we explore some of the most important factors in choosing your cottage insurance policy. So you can make the best choice for your family, budget and investments!

Keep reading for 10 key questions you should ask BEFORE choosing your cottage insurance policy this year.

 

1. What are the policy differences between seasonal and year-round cottage insurance?

Do you have a seasonal cottage or a year-round cottage? This is a crucial detail for your insurance company to know. Especially if you’re looking to narrow down your coverage needs and reduce your insurance costs.

Seasonal Insurance

Seasonal cottages are not winterized and are only accessible for a part of the year.

Do you have a seasonal cottage? If so, our Mackay brokers recommend seasonal cottage insurance, also called basic coverage.

This basic insurance covers your seasonal cottage and belongings. But it does not automatically insure seasonal detached buildings (i.e. a boathouse). You can, however, add this coverage at an extra cost.

That’s why it’s considered a Named Perils Coverage plan. It only covers losses resulting from perils that are clearly identified in the policy.

Seasonal-use cottages are usually considered a higher risk because cottagers visit them less. Thus they are not maintained as regularly.

Year-Round (Second-Home) Insurance

If your year-round cottage is accessible 365 days of the year, your Mackay broker recommends broad coverage.

This policy includes protection for your cottage, detached buildings and belongings.

This form of coverage is commonly referred to as Second-Home Insurance. Why? It covers all risks associated with homeownership. Much like your Home Insurance policy does.

2. Does a cottage insurance policy cover a cottage located on an island or remote location?

While some cottagers choose a local, more public location for their vacation home, others prefer the off-grid lifestyle.

But will your insurance company still cover a cottage located on an island or other remote location?

That depends on which insurance company you work with.

While some Ontario insurance companies refuse to insure remote vacation homes, others specialize in it!

In this case, we recommend speaking with your insurance provider BEFORE purchasing your cottage. 

They may agree to ensure you, but pay close attention to the insurance premiums they offer you. A cottage not easily accessed makes it an extremely high risk.

And  many providers tend to increase insurance premiums for remote locations because they are not easily accessible by:

  • Emergency Medical Services
  • Fire Halls
  • Fire Hydrants
  • Hospitals…etc.

3. Does an off-grid small cabin still need insurance?

The simple answer is no.

Smaller cabins (600 square foot buildings) deep in the woods and without power don’t legally need insurance.

But while cottage insurance is not required, third-party liability coverage is always a good investment.

Protecting yourself while another individual is on your property is always crucial.

And while we are on the topic of guests…

4. Do you need liability protection for cottage guests?

If you own a cottage, chances are you host many family and friend get-togethers every summer. After all, who wouldn’t want to share such a gem of a location with their loved ones?

But if you don’t have liability insurance, these events become a big financial risk.

Here’s why:

As a cottage owner in Ontario, it is your legal responsibility to make your property as safe as possible. In fact, Ontario’s occupier’s Liability Act clearly states:

“An occupier of premises owes a duty to take such care as in all the circumstances of the case is reasonable to see that persons entering on the premises, and the property brought on the premises by those persons are reasonably safe while on the premises.”

This means you need to ensure all aspects of your cottage property are reasonably safe, including your:

  • Cottage
  • Docks
  • Waterfront
  • Boats
  • Land
  • Porch
  • Dock…etc.

Liability insurance protects you in the unfortunate event of injuries resulting from a slip, fall, drowning, watercraft incident…etc. on your property.

5. Does a cottage insurance policy cover renters?

Planning on renting out your cottage? Be sure to tell your insurance company!

Some providers don’t allow cottage rentals on their policies. So you may need to look for a different insurance provider if you plan to rent out.

On its own, your cottage policy does not usually cover renters. But for companies that offer it, adjustments to accommodate rental situations are usually an option.

6. What structures ( i.e. dock, boathouse) does your cottage insurance policy cover?

As mentioned before, the structures covered on your cottage insurance policy depend on what type of policy you choose.

Seasonal cottage insurance offers Named Perils Coverage. This usually includes attached structures like the garage and deck. It does not, however, cover other outbuildings unless otherwise noted.

On the other hand…

All-season cottage insurance is an All Risk policy, much like your home insurance policy. So it does cover unattached, outdoor structures, including:

  • Boathouses
  • Sheds
  • Detached Garages
  • Bunkies

7. Are cottage toys (i.e. boats) covered by a cottage insurance policy?

Most cottage toys require additional or separate coverage. This can include your:

  • Boat
  • ATV
  • Jet Ski
  • Inflatable Dock
  • Kayak
  • Paddle Board
  • Water Trampoline…etc.

These items are usually not included in your cottage insurance. However, you must check with your insurance company on what is and isn’t covered.

8. Does cottage insurance include Replacement Costs or Actual Cash Value?

Every insurance company is different. So understanding the financial reimbursement factor of your cottage insurance coverage is crucial. After all, replacement costs and cash value are two potentially very different amounts. And you want to ensure that you’re getting the most out of your policy.

Replacement Costs

If your insurance company promises replacement costs, you’ll receive the repair costs or item replacement in full. With zero depreciation.

Actual Cash Value:

If your insurance company promises actual cash value, you’ll receive the current, depreciated value of the building.

9. Do your home and cottage insurance have to be with the same company? 

Many insurance companies won’t insure your cottage unless you have existing home insurance with them. While others specifically specialize in vacation home insurance!

So before you start shopping for the best cottage insurance policy, be aware of your limitation. Ask your insurance company what their requirements are and proceed from there!

10. How do you keep a cottage insurance policy valid?

For your insurance policy to stay valid, there are usually a few requirements set out by your insurance provider.

For example:

Many companies insist their clients make regular visits to their seasonal cottage throughout the year.

Failure to make these regular visits could result in your policy becoming invalid.

If you’re unsure what your insurance company requires of you for a valid policy, ask your insurance broker! They will review your policy, or potential policy, with you to ensure you understand your role in the policy validation process.

 

Get The Right Cottage Insurance Coverage With Mackay!

Whether you have a cottage, a cabin, a lakehouse, a hunting camp or a chalet, we’ve got the insurance coverage you need!

Get in touch with your Mackay broker today to learn more about our cottage insurance options.

You can reach our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555. You can even start your online application process for cottage insurance right away!

Happy Cottage Season!

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Get The Best Belleville Auto Insurance Coverage For Your Needs

Get The Coverage You Need With Belleville Auto Insurance From Mackay!

Get The Best Belleville Auto Insurance Coverage For Your Needs

The right auto insurance policy protects you, your family, your community and your investments. Do you know what coverages are included in your Belleville auto insurance policy?

Having the right insurance coverage is crucial for a vehicle owner. After all, you never know what might happen on the road. And without the proper coverage, you could experience:

a) Costly fines,

b) A license suspension or

c) An impounded vehicle!

Not something you want to risk on your morning commute or long-awaited summer road trip,

That’s why our Mackay Insurance brokers always ensure you have the right coverage for your unique needs. So you’re always prepared - no matter what lies ahead!

Keep reading to explore your auto insurance options!

 

How Does Auto Insurance Work in Ontario?

Auto insurance is compulsory in all Canadian provinces and territories. So you must have auto insurance on your registered vehicle to legally drive it on the road.

Without it, your insurance company could see you as a high-risk driver and raise your insurance premiums. They could even outright refuse to insure you at all!

Other consequences of not having valid auto insurance include a fine - ranging from $5,000 to $50,000 - or vehicle impoundment.

Thankfully, with a valid policy and the right coverage, you don’t have to worry about these complications.

A valid auto insurance policy can cover the driver, all passengers and any other people involved in the event of a car crash.

 

Factors That Affect Your Auto Insurance Policy

During the initial calculation, your insurance company will ask basic questions, including:

  • Your age.
  • Your gender.
  • Where you live.
  • The car you drive.
  • Your driving record.
  • Your claim history.
  • The type of coverage you choose.
  • The amount of your deductible.

But your insurance company also requires updated information about your car to keep your policy valid.

This re-evaluation ensures your policy stays up-to-date with the correct coverages.

Below are some of the questions your insurance company may ask when calculating or re-evaluating your insurance premiums:

How often do you drive your car annually?

The more kilometres you travel, the higher your risk for an accident.

What do you use your car for regularly?

Your insurance company needs to know whether you use your vehicle regularly. Do you use your vehicle as a commuter car daily? Or do you use it as a “pleasure vehicle”?

Have your driving habits changed? Are you commuting less or working from home?

In light of the recent COVID-19 pandemic, insurance companies know that many offices have allowed their employees to continue working from home. If this is the case, they may be able to reduce your insurance premiums.

Who is the primary driver of the vehicle? And who would you like listed as additional drivers?

The primary driver is the main driver - the one using the car most often. Your insurance company must know who this primary driver is and any additional drivers in your household that may get behind the wheel. Their driving records could affect your insurance premium as well.

 

What Coverages Does Your Auto Insurance Policy Include?

The right coverage is crucial for Canadian drivers. But not all are legally mandated. Lots of them are optional!

Let’s explore which auto insurance coverages are necessary, which are additional and which are optional below:

Mandatory Insurance Coverages:

Liability

Liability insurance covers any losses your vehicle causes, such as injury, death or damage to another vehicle.

It does not, however, cover repair costs for your car.

Accident Benefits

Accident benefits cover your medical expenses and loss of income after a car accident.

You must review options to increase accident benefits coverage.  Don’t be underinsured!

Direct Compensation - Property Damage (DC-PD)

DC-PD insurance covers vehicle repair expenses after an accident - whether you are at fault or not.

Additional Coverages:

Collision

Collision insurance covers your vehicle repair or replacement costs if involved in an accident. It is not usually mandatory in most provinces, but we recommend it in most cases.

Many people choose to add collision onto their existing policy to safeguard their vehicle investment. But once the value of their vehicle starts to decline, it’s common to remove collision insurance from your policy.

Today, the value of vehicles is not currently decreasing. So many vehicle owners are actually choosing to keep collision coverage on much longer.

Comprehensive

Comprehensive insurance also covers repair or replacement costs. However, not those relating to an accident. This coverage protects you from other types of damages or loss, including theft, vandalism, or windshield damage.

Optional Coverages:

Loss of Use

Loss of use insurance covers the cost of a rental vehicle while your damaged vehicle is being repaired/replaced. Most insurance providers offer loss of use coverage with a limit of $1500.

This coverage can be very beneficial, as it gives you a rental vehicle to use while you wait for your own to get fixed. Today, however, many repair shops are experiencing long delays for parts and repairs due to supply chain issues. For this reason, $1500 limit will likely not be enough coverage to pay for rental car coverage. Consider increasing this limit! 

Accident Forgiveness

Accident forgiveness protects your premium after your first at-fault accident. After your first accident, your insurance company usually raises your auto insurance premium and considers you a high-risk driver. But with accident forgiveness coverage, your insurance company will essentially “forgive and forget” so your premium doesn’t increase.

This insurance is only relevant for drivers without at-fault accidents on their record. And specific limits and regulations surrounding it that you will need to discuss with your provider.

Emergency Road-Side Assistance

Emergency roadside assistance insurance ensures you have the help you need on the road, no matter where you are in Canada. Our CAA Insurance at Mackay is even valid in the U.S! So whether you’re commuting to work or road-tripping across Canada, you’ll always have the help you need.

Depreciation

Depreciation insurance protects your brand new vehicle from losing value over a certain amount of time. This coverage takes effect during the reimbursement of your lost or damaged car.

It will cover you for either the listed vehicle purchase price, the manufacturer’s suggested retail price or the cost of the vehicle today.

 

What does your Auto Insurance Policy NOT Include?

It’s important to note that most auto insurance companies do not protect against loss or damage of an accident involving any of the following:

  • Ride sharing
  • UBER
  • Skip The Dishes
  • Pizza Delivery

Most insurance companies also do not offer coverage for the loss of personal possessions. So in the event that someone steals something from your trunk, you’ll have to check your home insurance policy for reimbursement options.

 

Get a Free Quote On Belleville Auto Insurance at Mackay

Are you shopping for the best Belleville auto insurance?

Are you trying to lower your premiums?

Are you purchasing your first vehicle?

At Mackay, our brokers ensure your Belleville auto insurance has all the coverage you need! We even offer policies for:

Give your Mackay Insurance broker a call! We offer affordable insurance plans that cover all your unique needs. You can reach our Belleville office at 613-966-5740 or our Napanee office at 613-354-2555.

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The Right Insurance Coverage For The Perfect Cross Canada Road Trip

Discover the insurance coverage you need for out-of-province travel with Mackay Insurance.

The Right Insurance Coverage For The Perfect Cross Canada Road Trip

You’ve got it all packed! The suitcases, the kids’ snacks, the dog… but do you have the right insurance coverage for a cross Canada road trip?

With summer just around the corner, everyone is busy planning their family getaways, camping trips and vacations. They’re packing up their travel trailers, booking their plane tickets and drawing wobbly marker lines on big paper maps - searching for their next adventure! 

And while some adventures take you OUT of the country, and some take you deeper INTO the country, others take you elsewhere…

ACROSS the country!

Are you planning a Canadian expedition with your family this summer? Whether you're headed East or West, road-tripping across Canada is an experience you’ll never forget!

But do you have the right insurance coverage for out-of-province travel? 

Keep reading to find out! 

 

What Insurance Coverage Do You Need To Travel Out-of-Province?

While exploring Ontario can be an incredible experience, why not venture out a little? See what the rest of Canada has to offer! After all, the coastal shores of Prince Edward Island and the snow-topped mountains of British Columbia are waiting!

At Mackay Insurance, we understand that familiar call of the wild. We're excited to help you and your family venture out into the great outdoors and explore all that this beautiful country has to offer.

So, before you pack your bags and start trekking, let’s go over the insurance coverages you need when travelling out of the province. 

Auto Insurance 

In Ontario, every registered vehicle is required by law to have Auto Insurance coverage. In fact, if a driver does not have Auto Insurance, they can receive a fine of at least $5,000! 

In the event of an accident, what does Ontario Auto Insurance coverage protect?

  • The driver of the vehicle 
  • All passengers involved in the accident. 
  • All pedestrians involved in the accident.
  • Any damaged property caused by the accident.
  • Any vehicle damage caused by the accident. 

This insurance coverage will provide liability coverage for accidents where you are at fault or partially at fault. And it will also provide you with Accidents Benefits, which are available regardless of whether you are at fault.

No-Fault Benefits For Ontario Drivers:

  • Caregiver Services 
  • Income Replacement 
  • Rehabilitation 
  • Medical Expenses 
  • Attendant Care 
  • Death and Funeral Costs 

So what happens when you travel outside of Ontario? Do you need to buy temporary Auto Insurance for an out of province trip? 

Thankfully, you do not!

One of the most convenient aspects of your auto insurance policy is that it goes where you go (to an extent). 

Are you travelling out West - Saskatchewan, Alberta, British Columbia or Manitoba? East to Quebec, P.E.I., Nova Scotia, Newfoundland and Labrador or New Brunswick? Your Ontario Auto Insurance Policy will travel with you, no matter where you venture. But it does have its limits! 

Your Ontario auto insurance policy is valid in all Canadian provinces and throughout the United States. But it is not international. If, for example, you wanted to drive to Mexico, your Ontario auto insurance would no longer be valid there. 

Get a Free Quote On Auto Insurance

CAA Insurance

Imagine this: 

You’re taking a road trip out to Alberta from Ontario. It’s a beautiful day, your car is full of gas and everyone is settling in for the long haul. 

But then your engine unexpectedly cuts out. 

What happens now? Are you stranded?

Not as long as you have CAA Insurance! 

Your CAA membership ensures you have the roadside help you need no matter where you are in Canada. It's even valid in the US! 

Plus, when you buy CAA Insurance through Mackay and combine your CAA account with your Mackay Home and Auto Insurance, you could qualify for multi-discount savings!

So while CAA Insurance is not mandatory - we would highly recommend looking into it before you begin travelling this summer. 

Register For CAA Insurance

Trailer Insurance

Nobody wants their vacation interrupted by loss, theft or vandalism. And the last thing you want to worry about while travelling in another province is whether your trailer has the right insurance coverage.

That’s why your Mackay Insurance broker always recommends adding Travel Trailer Insurance to your existing Auto Insurance policy. This additional coverage protects: 

  • The travel trailer itself from theft, damage, collision, loss etc. 
  • The contents of your trailer. (Limited on policy but extend from Home Policy)
  • Loss of use of your trailer in the event of theft, damage or destruction. 

While Travel Trailer Insurance is not legally required, it does give you immense peace of mind and protection. Especially when you’re in unfamiliar territory! 

Learn more about Travel Trailer Insurance and how it protects your home away from home in our recent blog post! 

Get a Free Quote on Trailer Insurance

Travel Insurance 

Now that you have insured your vehicle and trailer and have roadside assistance at the ready, it’s time to sort out your Travel Insurance. 

Travel Insurance offers specific health insurance coverages that could become detrimental during an out-of-province trip.

If you get sick or injured while out of Ontario, your Travel Insurance provides coverage for:

  • Emergency Medical Transportation 
  • Diagnostic Tests 
  • Prescription Medications
  • Emergency Oral Health Care 
  • And More!

Interested? Call 1-800-491-0851 and type in agent 7062. 

 

Mackay Insurance Makes Sure You Have The Right Coverage For Your Next Trip!

Planning an out-of-province trip, whether by yourself, with friends or family, is an incredible experience. And whether you choose to travel East or West, you’re guaranteed to have an adventure you’ll never forget!

Get the right insurance coverage for your cross-Canada trip with Mackay Insurance! Our job is to make sure the memories you make on this trip are good ones - not stressful ones. 

To learn more about the above insurance coverages, give us a call! You can reach our Belleville office at 613-966-5740 and our Napanee office at 613-354-2555.

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The Reason You'll Need to Invest in Secure Special Event Insurance

Mackay Insurance in Belleville and Napanee explain why you need to invest in Special Event Insurance.

The Reason You'll Need to Invest in Secure Special Event Insurance

It is exciting to watch our world open back up following the pandemic. Now, finally, we are seeing local special events happen again.

Are you making plans to host a special event? Do you have a private special event such as a wedding or birthday celebration? Is your business planning a grand reopening? Is your charity planning a nonprofit fundraiser?

Whether your event is local or virtual, you need to be sure your investment is protected by carrying special event insurance. Learn what type of insurance you need for your event and be sure it’s a flawless success!

 

Perils & Pitfalls of Virtual Versus Local Special Events

During the last year and a half, we have gotten very used to hosting and attending virtual events for personal and professional purposes. After all, what other option have we had?

But now we have options again. And this requires a consideration of the different risks that accompany these different types of special events. Let's take a look.

Risks of Virtual Special Events

In some ways, virtual special events carry quite similar risks to in-person events. For example, virtual special events can still be cancelled or postponed.

Typically this happens due to a speaker no-show or last-minute cancellation or transmission problems due to technology.

And in other ways, virtual special events actually carry a higher risk than local events do.

An example is the risk of cyber hacking that causes event disruption, such as the "Zoom bombing" that ruined many virtual meetings (and made international news headlines) during the early days of the pandemic.

Virtual events are also unusually vulnerable to other cybercrime activities, such as data leaks and identity theft.

Another thing to consider is whether your virtual event will include the participation of sponsors. Many corporate sponsors require proof of special event liability insurance (at a minimum) before they will sign on to sponsor an event.

Risks of In-Person Special Events.

As you can see, some of the risks of virtual events are the same as live local special events.

For example, there is still the risk of a speaker no-show or last-minute cancellation. There can still be the risk of technology malfunction that leads to event failure.

But there are other risks specific to local events, including the risk of cancellation due to bad weather or damage to the event venue.

There is always a risk that a guest, vendor, volunteer, performer or contract worker will get injured during your event. This risk escalates if you plan to have live music or any types of interactive events or games.

And if your menu includes liquor, your liability may extend to what happens even after your guests leave the premises. Special care is required here to avoid being held liable for any drunk driving accident that may occur after your event ends.

And sponsors will likely require proof of event insurance before signing on to participate.

Risks of Hybrid Special Events.

Hybrid special events include both a virtual and a local component.

An example might be a streaming virtual event from a live event location site. Often this is done with sporting events, conferences and many private events such as weddings and graduation ceremonies.

If you are hosting a hybrid special event, you will want to think through the risks for both components - virtual and local - and be sure you are carrying adequate special event insurance to protect your investment.

 

What If You Don't Know What Special Event Insurance You Need?

If you are reading through this blog post and thinking, "But I don't even know what kind of special event insurance I need”, don’t worry.

Every day, individuals and businesses begin planning an event for the first time. This learning curve is a necessary part of making sure your investment in your special event pays off for you!

So where should you start if you aren't sure what type and level of special event insurance you need?

1. Get your event details down on paper.

The first step is definitely to write down all the details of your special event.

  • What is your event date?
  • When will the actual special event start and end?
  • When will setup and teardown for your special event start and end?
  • What is the schedule of events?
  • Will you have sponsors involved?
  • Will you have volunteers at your event?
  • Will you have performers or vendors at your event?
  • Will your event include sports or interactive activities or games?
  • Will liquor be served?
  • Is your event local, virtual or hybrid?
  • Will your event include or cater to minors?
  • Will you rent a space for your event or host at your own space?

2. Schedule a call with your Mackay Insurance broker.

Special event insurance represents a mere fraction of the investment of time, money and sweat equity you are pouring into your special event.

Once you have all of the details of your special event down on paper, it is time to sit down with your Mackay insurance broker and have a conversation about how to protect your investment.

Here, our shared goal will be to identify the exact components your special event insurance package must include.

This way, you will not end up paying for coverage that doesn't apply to your event. And you will not end up going into your special event with coverage omissions that could leave you vulnerable to lawsuits.

 

Contact Mackay Insurance for Your Belleville and Napanee Ontario Special Event Insurance Needs

Here at Mackay Insurance, our friendly and experienced brokers are delighted to help you plan a successful, memorable and profitable virtual, hybrid or local special event!

Contact us at 613-966-5740 to chat about your special event insurance needs or visit us online for a fast free quote.

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Travel Trailer Insurance Protects Your Home Away From Home

Mackay Insurance in Belleville and Napanee, Ontario, offer travel trailer insurance coverage for all your vacation vehicle needs.

Travel Trailer Insurance Protects Your Home Away From Home

Travel trailers come in all shapes and sizes today. Luckily, so does travel trailer insurance. 

And mobile home insurance. 

And RV insurance. 

And seasonal vehicle insurance!

Sometimes, you just need to get away from it all. To find some peace and calm. To remember why you are working so hard - hustling, skimping on sleep, racing through your weekdays and even your weekends.

The last thing you want is to finally start your long-delayed vacation only to have it interrupted by loss, theft, vandalism or worse. That is what insurance is for!

And that is what this blog post is for too - to help you choose the right insurance for your best vacation yet!

 

What Is Travel Trailer Insurance?

Travel trailer insurance is a specialized insurance product designed to protect three types of year-round or occasional use vehicles.

1. Motorhome

Travel trailer insurance covers Class A, B and C motorhomes.

2. Towed trailer

Examples of towed trailers can include:

  • Pod or tent trailers

  • Travel trailers

  • Hardtop trailers

  • Livestock or horse trailer

  • Trailers

  • Toy haulers

  • Campers 

  • End even fifth wheels.

3. Stationary trailer

A stationary trailer can be a park model or another permanently parked trailer.

 

What Does Travel Trailer Insurance Cover?

As you might imagine, there are different levels of travel trailer insurance coverage.

But the product itself is designed to offer protection in three key areas:

1. The travel trailer itself.

The structure of the trailer is covered against loss, theft, damage, vandalism accident or collision.

2. The contents.

Here, "contents" means anything you have stored in or on the travel trailer itself.

Depending on the scope of the coverage, this might mean anything from your clothing and personal items to appliances inside the travel trailer, to frozen food, perishables and more.

Contents can also mean any belongings stored inside a standalone accessory building or storage unit.

3. Loss of use.

If your travel trailer is lost, stolen, damaged, destroyed or otherwise rendered unusable, your travel trailer insurance will provide you with a substitute vehicle or funds you can use towards your choice of transportation.

 

But Won't My Auto Insurance Policy Cover Me For All This?

This is the tricky part about relying on your existing auto insurance policy to cover your travel trailer as well.

Here in Canada, you are legally required to register your travel trailer, motorhome or stationary trailer. But you are not (at least at the time of publication) required to insure it.

So why purchase a travel trailer insurance policy - especially if you already have a regular auto insurance policy?

For one simple reason: typically, only the liability portion of auto insurance extends to cover the travel trailer as well. And this coverage only applies if the travel trailer is actually hitched to a covered automobile at the time the claim issue arises.

That leaves a lot of in-between where your travel trailer is not protected at all.

 

Coverage That You Only Get With Travel Trailer Insurance

It becomes especially critical to look beyond what a standard auto insurance policy can provide when you are using your travel trailer in certain ways.

Lease Location Protection

For example, let's say you decide to lease a semi-permanent or permanent campsite at an RV park or campground where you park your stationary travel trailer.

Here, it is very important to read the fine print in your homeowners and auto insurance policies before you assume your travel trailer is covered at a leased location.

Fire Damage Service Charges

Or perhaps your travel trailer is damaged or destroyed by fire and the fire department gets involved. Neither your homeowner nor auto insurance policy typically covers fire department assistance charges, which can range up to $1,000 or more.

Vacation Injury Liability

Another all-too-common situation arises when someone gets injured at the vacation site. Who pays for the costs of first aid, clinic or hospital charges for injuries that take place at a temporary vacation site where your travel trailer is parked?

It won't be your auto insurance policy or homeowners insurance policy, that's for sure!

 

What Other Optional Coverages Are Available for Your Travel Trailer?

Sometimes it just takes sitting down and thinking through possible situations and scenarios to start seeing where travel trailer insurance makes smart financial sense.

In addition to a standard basic travel trailer insurance policy, you can also talk with your Mackay Insurance broker about these optional coverages that may apply.

  • Protection against water damage.
  • Additional roadside assistance coverage and benefits.
  • Coverage if you park your travel trailer on a leased site.
  • Coverage if you rent your travel trailer out or are part of a rental share program.
  • Increased coverage for liability.
  • Guaranteed replacement cost for personal items.
  • Guaranteed replacement cost.

This last optional rider is especially important to consider upfront. Should your travel trailer be destroyed, will you have sufficient coverage to replace it in kind?

 

Choose Your Travel Trailer Insurance Before Purchasing Your Travel Trailer

You don't want to invest in a travel trailer only to discover the insurance coverage you need puts you over budget.

Our knowledgeable Mackay Insurance brokers are happy to provide you with a free no-obligation quote on travel trailer insurance for different makes and models of travel trailers.

 

Mackay In Napanee and Belleville Handles Your Travel Trailer Insurance Needs

Do you have fun travel plans for this summer? Canada's summer season is brief and beautiful and you don't want to waste it filing insurance claims!

Not sure what insurance products and coverage levels you really need? Let your friendly Mackay Insurance broker help you review your current coverage to protect your seasonal vehicle! 

Learn more about RV insurance, travel trailer insurance and mobile home insurance from the experts!

Visit us online for a free travel trailer insurance quote or give us a call at 888-853-5552.

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What Is an Errors and Omissions Insurance Policy & Why Do You Need It?

Mackay Insurance explains what errors and omissions insurance is and why it is so important for businesses.

What Is an Errors and Omissions Insurance Policy & Why Do You Need It?

You work hard to make your business succeed. You take pride in your work ethic and the services or products you provide to your clientele.

From this perspective, it can be hard to wrap your mind around the need for errors and omissions insurance coverage.

You have the best of intentions. Your attention to detail is stellar. You hire with care and select your vendors with equal care.

Yet mistakes still happen. 

Even worse, not everyone you work with may be quite so devoted to your company's ideals as you are. An errors and omissions insurance (E&O Insurance) policy is there for both the perils you can imagine and those you can't.

Keep reading to have your business liability insurance questions answered! We also offer free errors and omissions business insurance quotes here! 

 

What Is Errors and Omissions Insurance?

A few blog posts ago, we spent a whole article talking about professional business liability insurance.

If you read that post, you probably remember that one of the products we always recommend to our business clients is errors and omissions insurance.

This insurance product is specifically designed to protect you in two sets of circumstances.

1. When honest mistakes happen.

What is an example of an honest mistake? Let's say someone on your team misses a critical typo in a time-sensitive campaign for one of your clients.

Whether the campaign goes to print and causes your client to lose face with their customer base or the campaign has to be redone and causes delay and loss of sales, you may find yourself faced with an expensive lawsuit.

There are a myriad of scenarios that could occur from one small error or oversight (omission). But errors and omissions insurance protects you from both!

2. When dishonest actions occur.

This is a situation too many honest business owners fail to even consider. You have integrity and high standards and you assume everyone else does too.

Here is an example. Let's say you entrust a team member or vendor with funds to purchase high-end supplies to create your products. But they use the funds to purchase inferior supplies, pocketing the difference.

Your product malfunctions or even causes harm to your clients. The lawsuits start pouring in. You are now potentially on the hook for refunds and damages.

This is a frightening - and all too common - situation where you will find errors and omissions insurance invaluable.

 

What Types of Industries Can Benefit from an Errors and Omissions Insurance Policy?

Does your company produce products for sale or resale?

Are you in the service business, providing:

  • Consulting,
  • Legal or financial guidance, 
  • Public speaking, 
  • Tutoring, 
  • Pet sitting, or 
  • Child care?

Can you see any point from origin to delivery of your products and services where an honest mistake or deliberate omission might potentially occur?

If you answered yes, your business could benefit from errors and omissions insurance protection.

However, there are certain types of industries where taking out E&O insurance is especially warranted and encouraged.

Sometimes these are called the "softer" industries because the product being provided is actually in the form of a service delivered through a human being.

Even with the most meticulous attention to detail and scrupulous employee training, service-based businesses can be particularly vulnerable to mistakes of interpretation.

Here are some examples of industries where E&O insurance is especially necessary:

  • Legal and attorney services.
  • Financial planning guidance.
  • Tax planning and preparation.
  • Advertising and marketing.
  • Public relations.
  • Coaching (life coaching and business coaching).
  • Writing, editing and journalism.

You get the idea. When you and your team essentially ARE the product, you are especially vulnerable to financial harm arising from honest errors or deliberate omissions.

 

Evaluating Your Business's Need for Errors and Omissions Insurance

If you are just now launching your business or are still in the hectic and messy startup phase, it can be hard to envision the need for errors and omissions insurance.

Heck, you are still trying to figure out exactly what you do, how you do it, what works, what doesn't and where your trajectory might take you!

But this is also the phase of your business life cycle when you are most vulnerable to even small errors and omissions. A small misstep at this stage could shut your doors forever.

Here at Mackay Insurance, we guide our business clients to build a firm foundation from day one. Sure, you may be small potatoes in your industry now. But when you take your potential and your dreams seriously, you don't let your imagination stagnate there.

So much of the early days of any business entity are about making mistakes, learning from those mistakes and trying again. Each time, you get stronger, smarter, better than you were before!

That is if you don't go under from a lawsuit from one of those missteps.

At large, stable, well-known companies, this process of evaluating risk and putting protections in place against that risk is known as risk management.

In small, fledgling, start-up ventures, this process is called errors and omissions insurance coverage.

Right now, you just need to know you are protected, and not just from the “oopses” you can imagine or anticipate. You need protection from all the learning curve moments, perils and pitfalls you can't even begin to imagine or anticipate.

Errors and omissions liability insurance is there in your corner to ensure your dream business makes it through its infancy, terrible twos, preteen and teenage years so it can become a big, bold, force to be reckoned with.

This is why E&O insurance is an essential part of your business liability insurance.

 

Napanee and Belleville Clients Trust Mackay for Their Business Liability Insurance Needs

Mackay Insurance is a provider of choice for small, mid-sized and large businesses in and around the Belleville and Napanee areas.

Not sure what insurance products and coverage levels best fit your business life cycle stage? Worried about how to budget for the insurance your business requires? Your friendly Mackay Insurance broker can help you find the insurance policy that works best for you and your business! 

Visit us online for free business insurance quotes or give us a call at 888-853-5552.

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