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Tag: risk management

Man shovelling snow and backlit by setting sun.

Preparing Now Can Help Prevent Basement Water Entry This Spring

February 24, 2026

That first warming winter day in Orillia usually brings a sense of relief, but for many homeowners, it also brings a sense of dread. If you’ve ever walked into your basement during a thaw only to hear the squish of wet carpet, you know that water doesn’t wait for an invitation. While spring might feel distant, the heavy snow currently sitting against your foundation is a ticking clock. At McLean & Dickey, we’ve been protecting our neighbours in Simcoe County and Muskoka since 1922. We

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Ice Dam On Roof. Elevated View of Icicles and Snow on Building Eaves

How to Prevent Snow Load and Ice Damage to Your Home This Winter

December 23, 2025

Winter is here and so is the snow. With heavy snowfall already piling up, it’s a good time to think ahead about protecting your home before small issues turn into expensive repairs. Last winter saw record levels of snow fall and many homeowners across our region dealt with unusually high snow buildup. That led to a surge in problems like roof damage and water leaks caused by snow weight and ice dams and record levels of snow damage and ice damming claims. While most home

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Plumber repairing a burst water pipe in a basement.

Winter Vacations and Home Insurance in Ontario: How to Avoid Water Damage Claims

December 16, 2025

When colder weather arrives, water damage from frozen and burst pipes becomes one of the biggest risks for homeowners. That’s why insurance policies include specific conditions that apply if you go away and your home sits empty for a few days during the heating season. If these conditions aren’t followed, you could run into problems with your insurance coverage if water damage occurs. You might even have your claim denied. Why Winter Absences Matter When temperatures drop, pipes can freeze and burst quickly. If no

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Woman adjusting airflow for wood burning stove

Wood-Burning Stoves and Home Insurance in Ontario: What Homeowners Need to Know

December 15, 2025

Wood-Burning stove? Make sure to inform your insurance company. There’s nothing like the warmth and comfort of a wood-burning fire during the winter. As temperatures drop and snow piles up, many homeowners rely on their stoves to stay cozy. It’s nostalgic, comforting, and for many, a cherished part of winter living in Ontario. But when it comes to home insurance, a wood-burning stove is something your insurance company must be told about. Why it’s important to inform your insurance company Wood-burning stoves increase the risk

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Workers and insurance broker going through reports and using touchpad in a factory

Beyond the Policy: The Broker as a Risk Management Partner

November 6, 2025

What is the single biggest fear for any business owner? It’s not just the cost of insurance, but the moment a loss occurs, and you discover you’re not as protected as you thought. This is a common pain point for many business owners, who often view insurance as a simple, transactional purchase. They get a quote, pay their premium, and hope they never have to use it. But what if your insurance broker could be more than just a provider of a policy? What if

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Diverse group of smiling businesspeople working in an office

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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Team Meeting of Developers, They Lean on the Table and Look at the Results Shown on the Laptop. Creative Young People in Stylish Office Environment

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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young contractor crouching on worksite and smiling with hardhat

A Practical Guide to Insurance for Ontario Contractors.

January 10, 2025

The Insurance Guide for Ontario Contractors: What You Really Need to Know If you’re a contractor in Ontario, having the right insurance isn’t just a nice-to-have – it’s often a legal requirement and essential for protecting your business and winning jobs. Let’s break down exactly what you need to know about contractor insurance in plain language. Why You Need Contractor Insurance Simple fact: Most clients won’t hire you without proof that you have proper insurance coverage. Plus, it protects you from potentially devastating costs if

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illustration of storefront with open sign hanging in the window

Getting Back to Business

August 11, 2020

Our friends at Intact Insurance have put together some helpful information to guide employers and employees on how to return to work safely. Learn more links to Intact page: https://www.intact.ca/blog/en/search.back-to-business.html

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