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We have built a strong foundation of high quality insurance products and exceptional customer service through the support of our dedicated, independent broker network. 

Whether you are looking to find a broker in your area or for helpful 24 hour claims assistance, we are there for you when you need us the most.


Potential Postal Strike Contingency Plan | September, 2018 

You may have heard about the possibility of a nation-wide strike of Canada Post postal workers should an agreement not be reached between the Canadian Union of Postal Workers and Canada Post by the end of September. The workers will be in a position to strike as early as September 26th. 

We are being diligent and making plans to respond to the interruption to our business in the event of a labour disruption. 

We will not be releasing any items that would be sent through Canada Post as of Tuesday, September 18th. 

Payment Handling:

To assist you in making timely payments on renewals and all other billing changes, please use one of the following payment methods:

  • Make a Payment by credit card on our website 
  • Through your broker's office (cheque, credit card, cash or certified funds)
  • At your bank
  • Online or Telephone banking through your financial institution

Should you have any questions or concerns please contact your broker.


Back to School Road Safety Tips

It’s that time of year again… back to school. It’s an exciting time for all, but it can also be a dangerous time of year.

Back to school always marks a change in traffic patterns as more students and parents are back from vacation and are out on the roads walking, biking and driving to school. And while road safety may not be the first thing on a parent or student’s mind (instead they are likely more concerned about what they should wear!) it really should be a top consideration, especially as pedestrian injuries and deaths are on the rise across the country.


  • Put your devices down and ear phones away. It’s important for pedestrians to look, listen, and make eye contact with drivers when they cross roads.
  • Wait for cars to come to a complete stop before you enter an intersection. Distracted drivers may not see the red or flashing light until it’s too late.
  • If you need to use your cell phone, stop and find a safe area to talk.
  • When waiting for a bus, stand at least three big steps back from the curb until the bus comes to a complete stop and the door opens.


  • Minimize distractions whenever you are behind the wheel.
  • Keep your eyes peeled for bikers, walkers and runners who may step into the street unexpectedly.
  • Slow down in residential neighbourhoods and school zones.
  • Follow school bus safety laws and stop completely for school buses when children are getting on and off.
  • Always yield to pedestrians in crosswalks and let children get all the way across the street before proceeding.

Parents and Caregivers:

  • Talk with your kids about road safety starting from a young age and keep the conversation going into their teen years.
  • Set a good example and obey the rules of the road yourself. Kids also learn from observation.
  • Hold hands with younger children when vehicles are nearby.
  • Go with your children to the bus stop and wait with them until it arrives and they are safely on board.

Together we can make our roads, and keep our children, safer.


Wildfires in Northern Ontario

With the Parry Sound 33 wildfire continuing to spread across northern Ontario, an evacuation notice has been put into effect for the following regions: Key River, Travers, Struthers, Kilpatrick, Bigwood and French River Provincial Park. An air quality statement due to smoke is also in place for Alban, Killarney, North Bay, Powassan, Mattawa, Sudbury and West Nipissing.

It is a time to remain aware of the situation in your local community. We encourage you to stay informed by listening to local coverage and signing up for alerts from authorities such as local police or fire services.

We know this is a difficult time for those that are affected. Please know that together with your broker, we are working hard to provide help and support. Your safety, and the safety of your family, is the most important thing right now.

Our Claims teams are ready to respond to and manage all fire-related inquiries. We can be reached at 1-800-387-0462 or contact your broker

Safety Tips

Preventative measures:

  • Close all windows and doors in your home.
  • Take photos or videos of your home and belongings, which can help in the event of a claim.
  • Take down curtains and move furniture and other flammable materials away from windows.
  • If possible, turn off air conditioning, and other air-exchange units that bring air in from the outside.
  • Have a packed suitcase for you and your family of clothes and toiletries to last you a week, in addition to gathering valuables such as passports, drivers’ licenses, wedding rings, electronics, and chargers in preparation.
  • If you have pets, find accommodation that will allow for them to stay with you in the event of an evacuation or contact friends and family members to help.

In the event you need to evacuate:

  • When you need to leave, quickly gather all family members and pets and follow the directions of local authorities and all evacuation orders.
  • Keep your home well lit to increase visibility in the event your home fills with smoke.
  • Smoke is the cause of the majority of fire-related deaths. Ensure all family members cover their mouths and noses and breathe through a damp cloth to avoid smoke inhalation.
  • Protect exposed skin with clothing or non-flammable material. Consider wearing natural fibers such as wool or cotton. Synthetic fabrics are more flammable.
  • Keep copies of your receipts from purchases made during the evacuation, to be submitted in the event of a claim. 

After the fire has passed:

  • Return to your home only when emergency authorities have advised it is safe to do so.
  • In the event your home is damaged by the fire, please contact your broker to submit a claim and discuss next steps.


Tips to Prepare for High Winds, Heavy Rains and Floods

  • Contact your municipal offices to inquire about disaster relief programs in your community
  • Keep the area around your home clear of garbage and recycling bins, patio furniture, yard debris and other objects that heavy winds could pick up and blow around
  • Clear eaves troughs and downspouts of leaves and debris and ensure downspouts drain properly - ideally six feet away from your home
  • Get a licensed professional to: install an anti-backflow valve; install a sump pump with a reliable power backup; inspect your current equipment; clear drains of roots or obstructions; and ensure drain systems are working properly
  • If it looks like water intrusion may occur, shut off the electricity and outside gas valve immediately. Move important personal documents and expensive items out of the basement to a higher floor to keep them safe from water damage
  • Never go near or touch fallen power lines. Call your local energy utility company to alert them to damage.


Prevent Water Infiltration

  • Check walls, floors, windows and foundations for cracks or leaks after a heavy rainfall or rapid thaw. Make any necessary repairs immediately.
  • Repair or replace damaged weeping tile systems.
  • Clear eavestroughs and downspouts of leaves and debris at least once a year – late fall is a good time.
  • Ensure downspouts drain properly – ideally six feet away from the home.
  • Be sure the grading around your home drains water away from all exterior walls.
  • Consider soft surface landscaping to direct storm water into the ground rather than the local sewer systems (e.g. increase sodded areas, porous pavements).
  • Consider the installation of rain barrels to prevent runoff. 


Fort McMurray Wildfires | We Were There

On May 1, 2016, the residents of the municipality of Wood Buffalo in Northern Alberta were enjoying an early summer, with record breaking temperatures of 30° + and no sign of rain in the forecast. Little did they know their lives would be turned upside down in days to come.  A wildfire was beginning southwest of the city of Fort McMurray, and because of the hot, arid weather, there was no stopping its destructive path. On May 3rd a mandatory evacuation order was given for the town and over 100,000 residents were told to leave their homes, and leave quickly. People were displaced to evacuation centres and told to ‘wait and see’ what would happen next.

Over the coming days the fire would grow to 101,000 hectares, destroying almost everything it touched. And there was no rain in sight.

Read about how we were there to respond and support the victims of the wildfires through our cronilogical posts... Read More.


Fraudulent Cheques 

Some individuals and customers may have received what appears to be a cheque written by Pembridge or Pafco from “My Shop Inc.” or “Staple Research INC” (could now be under another name) citing payment for a mystery shopper program. Please note that these are not authorized company cheques nor are we affiliated with either company in any way. The cheques should NOT be deposited. To the best of our knowledge, this scam is focused in the GTA.

We take these types of scams very seriously and we have reported this fraudulent activity to the appropriate authorities. We recommend that any individual who receives this letter report it to the police.