Lithium-ion batteries and insurance in Ontario
Electronic devices have become ubiquitous in our everyday lives. From phones and laptops to household staples such as vacuum cleaners, lawn mowers and snow blowers, we have come to love the convenience of rechargeable devices. Technology has also enabled the use of lithium-ion batteries for cars, ebikes, escooters and other mobility aids for energy efficient and […]
Changes are coming to Ontario auto insurance on July 1, 2026
Some accident benefits that were previously included in every auto insurance policy will become optional. What are Statutory Accident Benefits? Statutory Accident Benefits (SABs) can provide financial support if you are injured in a car accident. These benefits can be available regardless of who caused the accident and can cover things like medical treatment, rehabilitation […]
Winter weather and property and auto insurance
Understanding how winter conditions affect both home and auto insurance in Ontario can help you reduce losses, avoid coverage gaps and manage premiums. Polar vortex, snowstorms, deep freeze, cold stretch: these are some of the wintry terms we’ve been hearing lately. With historic snowfall recorded in Toronto and the surrounding areas, as well as the prolonged cold, it has certainly been challenging for property owners and motorists in Ontario. At McClelland Insurance, our brokers […]
How your vehicle affects your auto premium
The type of vehicle you drive is one of the factors used in determining your auto insurance premium. There are many factors that insurance companies consider to determine your auto insurance premium. A portion of your premium is determined by your personal situation – your age, gender, marital status, where you live, and more. There […]
Need to make a claim?
Here’s what you should know. Experiencing a loss to your home, vehicle or business is stressful. And when you make an insurance claim, it can be confusing – that’s why it’s important to let your broker know. Your broker works for you and in the event of a claim, they can help you understand the […]
Fall back with confidence
Clocks are set to fall back this weekend in Ontario and that means shorter days and longer nights. The end of Daylight Savings Time (DST) means that we gain an hour, although it also means there’s less daylight for doing things and going places. While we adjust to the change in time, here are some […]
Why work with an insurance broker
Brokers are experts in home, auto and business insurance in Ontario who work to find you the best possible coverage and price. In today’s digital world, it’s easy to find quick insurance options – but when your needs are more complex, or if you want expert guidance and the ability to compare insurance coverages, […]
Non-owned auto insurance for businesses in Ontario
Liability protection if you use others’ vehicles for your business What is it? Non-owned auto insurance coverage helps pay for bodily injury and property damage caused by a vehicle that you do not own while operating it as part of your business. This coverage is available to purchase as an endorsement to your business’ commercial […]
Do commercial insurance terms in Ontario confuse you?
You’re not alone! An insurance policy in Ontario is a legal document that uses technical terms that can be hard to understand. We’ve put together a list of some insurance language to help you when reading your policy documents. Commercial Auto Insurance Direct Compensation – Property Damage (DCPD) This covers loss or damage to your […]
Do home and auto insurance terms in Ontario confuse you?
You’re not alone! An insurance policy in Ontario is a legal document that uses technical terms that can be hard to understand. We’ve put together a list of some insurance language to help you when reading your policy documents. Auto insurance Direct Compensation – Property Damage (DCPD) This covers loss or damage to your vehicle […]