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Valuable Insurance Tips

At Big Creek Insurance Brokers in Delhi, ON, we have several experts who can help you make smart decisions concerning the safety of your assets. We offer practical insurance tips for home, vehicle, and business owners. Please take the time to review them and feel free to get in touch with us if you have any questions.

What to Do When You Are Involved in an Accident

Being involved in an accident can be an extremely stressful event. To help protect yourself and your interests, we have compiled some basic tips:

  • Immediately call the police and, if necessary, an ambulance
  • Do not admit liability
  • Make a note of the details of the accident including the date, time, location, any injuries that were sustained, a description of the accident, and any charges that were laid
  • Record details of the other party that was involved including the year, make, and model of the vehicle, as well as the owner's name and contact information
  • Obtain the insurance information of the other driver. This information should include the insurance company, policy number, effective date, and broker information
  • If the situation warrants and you have the ability to do so safely, take photos of the damage to the vehicle
  • Secure a copy of the police report or the police report number from the attending officer

These are general tips and may not necessarily fit all situations. For definitive assistance, contact your insurance broker.

Home Crime Prevention Tips

Burglary is almost always a crime of opportunity. Here are some burglary facts:

  • Studies show that most burglaries happen during the daytime when buildings appear unoccupied and have dense bushes and trees that help protect the burglar from view
  • One-third of burglars enter through the basement
  • One-third of burglars force open a door or window
  • One-third of burglars gain entry through an unlocked door or window

To protect your home from burglary, look at it from the burglar's perspective. What are the most vulnerable parts of your home? Below are a few simple tips to make your home less attractive to a burglar:

  • Lock all doors and windows before leaving
  • Close all blinds and curtains even at night so burglars can't see in to scope out your belongings
  • Install a burglar alarm
  • Use lighting timers to make your home look occupied at all times 
  • Leave a radio on if you are away for short periods
  • Keep your shrubbery cut back from your windows so that it doesn't block the view
  • Add more lights to illuminate your property as much as possible
  • Consider installing metal doors as they provide the best protection against forced entry
  • Install deadbolt locks
  • Store your jewelry in a safe deposit box, not in your bedroom
  • Keep all cash and handbags out of view
  • Don't leave spare keys in obvious places

Going on Vacation:

  • Cancel all deliveries while you are away
  • Arrange for someone to shovel your snow or cut your grass
  • Stop all mail deliveries
  • Maintain normal lighting patterns by using timers
  • Lock your garage and home
  • Have your neighbor use your driveway and to place his trash by your curb on collection day
  • Don't tell people that you will be away
  • Don't post photos of your vacation on social media sites until after you have returned
  • Have someone you trust check your house every 48 hours

Auto Tips:

  • Never leave your keys in your vehicle
  • Always lock your vehicle
  • Keep valuables out of sight
  • Choose to park your vehicle in a well-lit area
  • Install an anti-theft deterrent such as an ignition disabler
  • Always turn your vehicle off whenever you leave your car
  • Keep your vehicle well maintained
  • Complete a circle check of your vehicle before driving
  • Never use your cell phone while driving

Business Interruption Prevention Tips:

  • Have a professional accountant prepare your financial statements and perform an annual audit of your books
  • Lessen the physical and moral hazards in your business
  • Duplicate your business records and store them off-site so that you will have documents to substantiate any business interruption loss
  • Keep a list of secondary suppliers in the event that your primary supplier suffers a loss
  • Prepare a plan of action in case your business suffers a loss so that you can continue to serve your customers from a temporary location

Contractors’ Loss Prevention Tips:

  • All flammable liquids should be stored in safety containers
  • All tools and equipment must be kept in locked areas when not in use
  • All tools should be engraved with an identification number to assist in recovery
  • All on-site storage materials should be kept in a secure area that is locked and well-lit
  • Post warning signs to limit access and indicate the necessary safety items that need to be worn
  • All electrical cords that pass through pedestrian walkways should be secured to avoid a tripping hazard
  • All water that collects in public areas should be cleaned regularly to avoid slips and falls
  • Oily rags must be separated and stored in metal containers with tight-fitting lids
  • All combustible refuse created during the workday should be cleaned up regularly
  • Maintain a record of all jobs including plans, testing documents, and approvals
  • Ensure that your project complies with all applicable codes and regulations
  • Acquire certificates of insurance for all subcontractors to ensure that they maintain adequate liability limits
  • Have the appropriate type of fire extinguishers available at all times
  • Contact local utility companies to ensure that all underground lines are located prior to any excavation that may be taking place

Call us today at 519-582-8100 or send us an email at lsioen@pbnet.ca to get more tips on how to keep yourself and your assets safe.