Steers Insurance Blog

In 2021, Canada experienced a record-setting heat wave and an early start to the wildfire season. B.C., in particular, battled over 1,600 wildfires last season – causing devastation to people’s homes, communities and local wildlife in the affected areas.

In Insurance policies, the General Liability Section typically contains a Pollution Exclusion for bodily injury or property damage arising from your operations, whether onsite or offsite or for pollution spills or seepage emanating from your owned premises. Likewise, your property policy usually only has a small extension (if any) for pollution-type spill cleanup on your own property.

Whether you’ve inherited your grandfather’s grandfather clock or scored an antique end table at an estate sale, consider these tips to protect your new piece and make sure it’ll be covered by your home insurance in an emergency.

Flooding can occur at any time of the year and is usually caused by heavy rainfall, rapid melting of snow packs, ice jams or more rarely the failure of natural or manmade dams. The majority of floods are predictable and inevitable, but can also be preventable. Being proactive can make a significant difference on how your property is affected by a flood.

Understanding the potential for flooding, possible sources and the potential impact on your operations; i.e. river flooding, coastal flooding or surface water/sewer flooding, is the starting point to developing your plan. Are you in a high risk area? Do you know the history of the area? City planning departments are always a good starting point for basic information. 

As car thieves become increasingly sophisticated and tech-savvy, it’s more important than ever to take the necessary steps to ensure your car is secure and less likely to be targeted.  A growing number of high-end cars equipped with keyless entry and push-start technology are disappearing from residential driveways in a matter of seconds.

Don’t wait until spring has already sprung to get your home ready for warmer weather. Now is the perfect time to repair any damage caused by harsh winter weather and to reset your home for the new season. Take these ten steps to get started:

The pandemic has prompted many homeowners to purchase a pool or hot tub in order to enjoy their residences even more. What’s the scoop on pool or hot tub installation, safety and insurance? 

When searching for a new apartment, you’ll likely ask the property manager a lot of questions about rent costs, building amenities and the application process. Consider also asking these seven questions to make sure the apartment and the management company are the right fit for you before you sign the lease:

Floods cost Canadians many millions of dollars every year in property damage, lost production, lost wages, and lost businesses. But dollars can’t measure the distress, the strain and the heartbreak, that flood victims suffer.

TEMPORARY FLOOD PROTECTION

The following flood protection products are products that can be stored on site at your facility and can be deployed when a flood threat is imminent. The products can be deployed in a short period of time to help protect your business and property from flood damage.