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Category: Minimizing Risk

Close up of sandbags holding back flood waters with blurred houses in standing water in the background

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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Closeup of ice and snow buildup and ice dam on the roof of an older home

Prevent Roof Collapse: How to Remove Ice Dams and Manage Heavy Snow Loads

March 7, 2025

Ice damming and excessive snow load can pose significant risks to the structural integrity of your home and out buildings during winter months. Below are tips to reduce and prevent snow and ice related damage. Preventing Snow Load Collapse 1. Monitor Snow Accumulation Keep an eye on how much snow is accumulating on your roof. If the snow accumulation exceeds 12–18 inches, it is a good idea to remove some of the snow to reduce the load. Be mindful that wet, heavy snow can put

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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

November 1, 2022

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

October 28, 2022

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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Woman standing behind closed again sign in shop window

Tips for keeping your business location safe if you have to close

January 6, 2022

The latest COVID-19 wave is seeing many businesses close their doors to the public and send their employees home. As a business owner, use this checklist courtesy of Northbridge Insurance to close-up your property so that it’s safe and secure while you’re away. Make sure your staff are also aware of the importance of checking for potential fire and security hazards prior to locking up for an extended closure. Fire Prevention Checklist Is all equipment off? Are all flammable stored properly? Are combustibles stored away

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