insuranceCriminals do not just come out during the night time.
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Criminals don’t just come out at night

Most of us think of burglars as night owls. While that may have been true in the past, most burglaries happen during the day while homeowners are at work.

Make sure your house is locked and install a security system to discourage thieves.


Having your home broken into can be very distressing. Being robbed of valuables or sentimental precious items can be both a financial and, at the same time, emotional suffering.

Prevention tips:

  • Buy an alarm system.
  • Do not leave any house key outside.
  • Secure to lock all doors and windows every time you leave the house.
  • Notify a trusted neighbour if you will be away for more than a few days.


If you run a home base business, consider Commercial Insurance Package that includes Crime insurance protects your business against different sorts of threats, causing unexpected expenses and wasted time. It includes Employee Dishonesty; Theft, Burglary or Robbery; Fraud and Expenses resulting from a Crime loss.

How much does commercial property insurance cost?

Deciding how you'll pay for commercial property insurance mainly depends on the value of all your company assets, including your building. Other factors that also define your premium are based on risk, including the following:

  • Location. Are storms and other natural calamities prone to visit the location?
  • Construction. Is your commercial building constructed with fireproof materials? Does it have an upgraded or new electrical wiring, plumbing and HVAC?
  • Occupancy. What is your industrial to realtor's office generally carries less risk than a restaurant or repair shop?
  • Fire and theft protection. How far is the nearest fire station? How about the nearest fire hydrant station?

Most homeowner insurance in the Canadian market is a combination of the following insurance types

  • Liability Insurance
  • The buildings, 
  • Contents 
  • loss of use (additional living expenses), 
  • or loss of other personal possessions 

Most importantly, the homeowner insurance provides some financial relief against disasters. 

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construction insurance typesBuilder's Risk insurance a form of insurance that covers a building where the building or insured area is presently being constructed. It can cover just the structure, or also the materials on-site waiting to be installed or transported to the job site and is a type of insurance that most owners will ask every contractor to carry.
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