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Is Your Business on the Road to Risk? How to Navigate Commercial Auto Insurance for Your Fleet

October 23, 2025

The roar of an engine, the open road, for many businesses, a vehicle fleet is the lifeblood of daily operations. But what happens when that fleet is involved in an accident? The answer is often more complex than a simple personal auto insurance policy can handle. Many business owners assume their personal policy will provide enough protection, but this is a dangerous misconception that could leave their company vulnerable to significant financial loss. This is where a comprehensive understanding of commercial auto insurance comes in.

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Is Your Business Protected? A Deep Dive into Commercial Property Insurance

October 9, 2025

For any business owner, the physical assets of your company are more than just items; they are the foundation of your operations, from the building itself to the inventory and equipment inside. But what happens when the unexpected strikes? A fire, a severe windstorm, or even a burst pipe can halt your business, resulting in significant financial loss. This is where commercial property insurance becomes an indispensable part of your risk management strategy. It’s a critical safety net that ensures your business can recover and

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Commercial Insurance for Ontario Contractors: A Broker’s Guide to Protecting Your Business

August 20, 2025

As an Ontario contractor, you face a dynamic landscape of projects, challenges, and, inevitably, risks. From the hum of heavy machinery to intricate design plans, your work demands precision and foresight. But what happens when the unexpected strikes? That’s where robust commercial insurance, expertly tailored by a specialized broker, becomes your most vital tool. At McLean & Dickey, we’ve been protecting Ontario businesses since 1922. We understand that contractors aren’t all cut from the same cloth, and neither should their insurance be. As your neighbours

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Why Choose an Independent Commercial Insurance Broker?

August 12, 2025

When it comes to protecting your business, navigating the world of commercial insurance can feel overwhelming. You might be wondering whether to go directly to an insurance company or work with a broker. At McLean & Dickey, we believe that choosing an independent commercial insurance broker like us offers distinct advantages that can save you time, money, and provide invaluable peace of mind. Brokers vs. Direct Insurers: A Clear Advantage for Your Business Imagine trying to find the perfect suit without trying on different options

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Ontario Business Owners: Do You Need Commercial General Liability Insurance?

August 5, 2025

Understanding Commercial General Liability (CGL) in Ontario: Your Business’s Essential Shield As a business owner in Ontario, you juggle countless responsibilities – from serving your clients to managing operations. Amidst it all, one crucial element often gets overlooked or misunderstood: Commercial General Liability (CGL) insurance. At McLean & Dickey, we’ve been protecting businesses like yours since 1922. We believe in providing unbiased advice because we work for you, not the insurance company. Understanding CGL coverage is vital for safeguarding your business against unexpected and potentially

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Understanding Sewer Insurance Coverage – What to Know

July 23, 2025

Understanding Overland Water, Ground Water and Sewer Backup Coverage Advice You Can Trust | From Your Team at McLean & Dickey When it comes to protecting your home, not all water damage is covered the same way, and not all coverage is automatic. That’s why understanding the difference between overland water, ground water and sewer backup insurance is so important. If you live in Orillia, Barrie, Midland, Muskoka, or the surrounding regions, you’ve likely seen just how quickly a heavy rain, a spring thaw, or

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How to Protect Your Small Business from Vishing Scams and AI Voice Fraud

July 21, 2025

Cybercrime Is Targeting Small Businesses — Are You Ready? Over the past year, more than half of small businesses across Canada have been hit by digital fraud attempts. Of those impacted, over one-third suffered financial losses, according to recent insights from the Canadian Federation of Independent Business (CFIB). The average cost? Roughly $7,800 — not to mention the toll it takes on employee morale, productivity, and leadership stress levels. Email (phishing), text (smishing), and phone (vishing) scams remain the most common threats. But voice-based scams

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How to be claims-ready for home insurance in Ontario

July 10, 2025

Home Insurance Is Not What It Used to Be – Why a Home Inventory Is the Key to Faster, Fairer Claims Advice You Can Trust | From Your Team at McLean & Dickey Home insurance has changed dramatically over the past 10 years. There was a time when filing a claim was fairly straightforward: you made a call, explained what happened, and your insurance provider worked with you to put things right. Today, things are different. The process is more complex, more time-consuming, and at

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Ontario Cottage Insurance – An Essential Safety Net for Homeowners

July 3, 2025

The Climate Crunch: Cottage Country at Risk. Advice You Can Trust | From Your Team at McLean & Dickey A shift is underway across Ontario’s cottage country, from Rural Orillia, Barrie and Midland to iconic Muskoka. For cottage owners who cherish the summer breezes on Georgian Bay or the peace of Muskoka’s lakes, recent winters and summers offer troubling glimpses of what climate change could mean for their cherished retreats. Cottage insurance is becoming an essential safeguard in light of these emerging risks 1. Intensifying

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Planning a Home Renovation in 2025? Here’s What You Need to Know About Insurance First.

May 7, 2025

Thinking about refreshing your kitchen, building an addition, or finally finishing that basement? You’re not alone—almost half of Canadians were planning or completing home renovations in 2024*. With rising material and labour costs, the average renovation now costs around $19,000—almost double what it was just five years ago. Renovating can absolutely improve your space and increase your home’s value—but it also comes with some serious insurance considerations many homeowners overlook. Before the first hammer swings, make sure you’re protected. Is Your Renovation Covered by Insurance?

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