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14 ways you might be invalidating your home insurance

Home insurance is undeniably an essential safeguard for homeowners, providing financial coverage for potential damages or losses. However, in certain circumstances, homeowners may inadvertently jeopardize their home insurance coverage, leaving them exposed to financial risk. This article uncovers 14 common ways Ontario homeowners might unintentionally increase the risk of a claim and jeopardize their home insurance. Common ways you might jeopardize your insurance. 1 Non-Disclosure of Home-Based Business Operations Operating a business from your home might seem harmless, but it can potentially compromise your coverage.

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Couple reviewing their home and auto insurance on a tablet

Easy Ways to Save on your Home and Auto Insurance

These days everyone is looking for ways to reduce their spending and protect their savings. Cutting back on streaming services or purchasing fewer pre-packaged foods and cooking at home instead of going out can have a substantial impact on your wallet. Inevitably, many people will look at their insurance premiums and wonder if there any savings to be found by reducing their coverage or changing their payment options.   Whatever your method for saving money, be sure to talk your insurance broker to see if you

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Accepting the Chamber of Commerce award

Strengthening Orillia and Lake Country

In 2023, McLean & Dickey was honoured to receive the Strengthening Orillia and Lake Country Award from the Orillia & District Chamber of Commerce. The other great businesses that were nominated in this category also worked hard at making Orillia such a great community and we wanted to offer our congratulations to them as well for their achievements. There is a fundamental philosophy behind why we believe it’s so vitally important that not only McLean & Dickey the company, but also our employees contribute to

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McLean & Dickey staff presenting Definity grant cheque to the Lighthouse

McLean & Dickey secures funding from Definity for The Lighthouse

McLean & Dickey Ltd. is pleased to announce our successful application for a grant from the Definity Insurance Foundation as part of our fundraising efforts for The Lighthouse, Orillia during the Coldest Night of the Year event.  It took a while, but this morning we were able to present a cheque for $5000 to Linda Goodall, Executive Director of the Lighthouse and Jen Jermey, Development Administrator on behalf of Definity. The Definity Insurance Foundation is dedicated to making a difference in the lives of Canadians,

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Woman changing a flat tire

How to Change a Flat Tire: a Step By Step Guide.

Getting a flat tire is no cause for panic. Several years ago, I set out for a multi-day backcountry hiking trip with my sister. The access point for our hike was a remote parking lot, an hour’s drive down a narrow gravel logging road. We didn’t pass a single vehicle on our way in and though there were a few parked cars when we finally reached our destination, we didn’t encounter anyone else. Slipping on our backpacks, we hiked into the wilderness to spend the

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Young woman holding up a basin to catch dripping water from her ceiling

7 Things You Can Do to Prevent Your Basement Flooding

Hints and tips to help prevent a wet basement – or worse. April showers might bring May flowers, but these days it seems that many of the showers have morphed into torrential downpours and widespread spring flood warnings have become the norm instead of the exception. Every home is at risk of having its basement flooded even if it’s never happened before and it’s more likely to occur during heavy rains or when snow and ice melt and there’s nowhere for the resulting water to

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Group of walkers for coldest night of the year 2023

Walking to end homelessness in our community

Our two dedicated teams walked 5k in Saturday’s #cnoy23 event in support of The Lighthouse. We’re proud to announce that we raised a total of $7, 751 in support of those experiencing homelessness in our community. Thank you to everyone who donated, all the volunteers and event organizers. We can’t wait to support Coldest Night of the Year – Orillia, in 2024!

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Wet floor sign next to red bucket on a tiled floor

5 Ways To Protect Your Business From Liability Insurance Claims

Accidents happen. That’s why you have liability insurance to protect your business from unfortunate incidents like a slip-and-fall accident. Nonetheless, the cost of deductibles and increased premiums that come with repeated liability insurance claims can take an unnecessary financial toll on a small business. You can prevent the most common types of liability claims before they happen by implementing a safety-first approach. The safety checklist below will help keep your customers and employees safe while keeping your claims costs low. 1. Maintain Proper Lighting Poor

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4 Red Flags That Could Make Your Business Hard to Insure

4 Red Flags That Could Make Your Business Hard to Insure

As a smart business owner, you’re always looking to minimize your risk. Likewise, insurance companies are doing the same when evaluating whether or not to insure your business. So, when they come across certain red flags, they may be inclined to decline coverage. 1. Property in Disrepair. If your business facility has broken steps, leaking pipes, or overstuffed inventory shelves that could tip over and cause a serious accident to you or your employees, you’ll want to address those issues to avoid paying higher insurance

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Small business owner couple standing in their variety store and smiling at camera

Understanding Your Commercial General Liability Insurance

As a business owner, safeguarding your business operations from unexpected events is crucial. One essential type of insurance coverage you need is Commercial General Liability (CGL) insurance. This insurance protects your business from financial losses due to liability claims, including accidental damages, injury or property damage to a third party, and more. It forms the backbone of a small business insurance strategy. Injuries to others can occur in even the most carefully-managed of businesses, which makes general liability insurance a must-have for businesses of all

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