McDougall https://www.mcdougallinsurance.com Insurance & Financial Fri, 21 Jul 2017 19:33:24 +0000 en-US hourly 1 https://wordpress.org/?v=4.7.5 Pet Insurance: The Purrrfect Coverage https://www.mcdougallinsurance.com/2017/07/19/pet-insurance-purrrfect-coverage/ https://www.mcdougallinsurance.com/2017/07/19/pet-insurance-purrrfect-coverage/#respond Wed, 19 Jul 2017 17:46:44 +0000 https://www.mcdougallinsurance.com/?p=14211 Forget diamonds, there’s no denying a dog is a girl’s best friend! They never complain, don’t talk back, and will never hog the covers. But what if Lucky or Boots gets sick? Would you put your best friend down if they were sick? I’d hope not! For all pet owners out there, we know there […]

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Forget diamonds, there’s no denying a dog is a girl’s best friend! They never complain, don’t talk back, and will never hog the covers. But what if Lucky or Boots gets sick? Would you put your best friend down if they were sick? I’d hope not!

dog lying on the couch with young girl

For all pet owners out there, we know there is nothing worse than having your furry family member diagnosed with an illness that costs an incredible amount to treat. The solution to this is: Pet Secure health insurance. With this pet insurance coverage, you are able to live worry free that if your pet is diagnosed with an illness, your insurance will cover the expenses for treatment.

How much coverage does my pet have on my standard policy?

In a standard policy, RIBO states “Up to $500 in all on animals, birds, or fish but only if the loss or damage is caused by a Specified Peril or other than impact by aircraft or land vehicle.”  In other words, if your dog is hit by a car, or requires more than $500 worth of healthcare treatment, a standard insurance policy will not cover this.

What is pet insurance?family with dog

As many pet owners know, vet bills can be expensive. New innovations in veterinary technology mean Canadian pets have access to state-of-the-art care, but the cost of that care continues to increase. Pet insurance takes the worry out of taking your dog or cat to the vet by removing financial concerns in crucial times. With Petsecure, you’ ll have peace of mind that your dog or cat can receive the top-notch care they deserve, without putting your family’s finances in jeopardy. Pet secure offers a wide range of coverage from Accidents, Illness to Dental.

What health coverage is included in pet insurance?Pug wrapped in a blanket

The pet-secure pet insurance covers diagnostics, x-rays, hospitalization, surgery, medication, boarding and kennel fees, lost pet advertising, holiday cancellation, cremation/burial costs, behavioral therapy, acupuncture and massage. There is also a Wellness Plus package that covers Annual exam vaccinations, Heartworm testing, fecal exam and deworming, annual routine Wellness Urinalysis and Routine blood checkups. It has it all!

Does my dog need pet insurance?

If your pet has a history of disease, is prone to injury, or is getting old, this pet secure coverage may be a smart investment for you. Since only up to $500 on animals is covered, many of your treatment bills will likely exceed this budget and will cost you more than you think.

Fun fact: What is patellar Luxation? Could my dog have it?

A “luxated patella” occurs when a kneecap dislocates i.e. slips out of place. It is a common problem among small breeds of dog, such as Pomeranians, poodles, and Yorkshire terriers. In fact, one study showed that dogs that weigh less than 9 kg are twelve times more likely to be affected than larger dogs. Both hind legs may be affected in many dogs. In mild cases, medical or surgical treatment is usually not required. However, more severe cases may require surgical correction of the deformities. There are several techniques currently available and the prognosis for recovery is good if the joints are not too badly damaged.

If you have more questions about pet insurance or want to FETCH a quote, visit our website or call us at 1 (800) 361-0941.

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Ontario’s Minimum Wage Increase: Good or Bad? https://www.mcdougallinsurance.com/2017/07/12/ontarios-minimum-wage-increase-good-bad/ https://www.mcdougallinsurance.com/2017/07/12/ontarios-minimum-wage-increase-good-bad/#respond Wed, 12 Jul 2017 20:45:37 +0000 https://www.mcdougallinsurance.com/?p=14126 The proposal of the minimum wage increase in Ontario is one of the more hot topic items in 2017. Ontario’s legislative committee is travelling the province throughout the summer to have public hearings to listen to the supporting and neglecting reasons behind this proposal. Not astoundingly, the majority of outcry has been that of the terror […]

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The proposal of the minimum wage increase in Ontario is one of the more hot topic items in 2017. Ontario’s legislative committee is travelling the province throughout the summer to have public hearings to listen to the supporting and neglecting reasons behind this proposal. Not astoundingly, the majority of outcry has been that of the terror that this legislation would cause to small businesses and the negative effect it would have on the economy.

Here is the breakdown of the minimum wage increase from now until 2019:

Minimum Wage Categories Current to Sept. 30, 2017 Oct. 1, 2017 to Dec. 31, 2017 Jan. 1, 2018 to Dec 31, 2018 Jan 1 2019 to Sept. 30, 2019
General Minimum Wage $11.40 per hour $11.60 $14.00 $15.00
Students under 18 (who work less than 28 hours/week while in school $10.70 per hour $10.90 $13.15 $14.10
Liquor Servers $9.90 per hour $10.10 $12.20 $13.05
Hunting and Fishing Guides $56.95: Rate for working less than 5 consecutive hours in a day $58.00 $70.00 $75.00
$113.95: Rate for working 5 or more hours in a day whether or not the hours are consecutive $116.00 $140.00 $150.00
Homeworkers (employees doing paid work in their own home for an employer) $12.55 per hour $12.80 $15.40 $16.50

The general minimum wage is currently $11.40/hour and is set to increase to $15.00/hour by 2019, which is a 31.5% increase in minimum wage. Wages typically increase at approximately the rate of inflation, which is expected because the purchasing value of money decreases and people need more to purchase the same goods. However, never has their been a minimum wage increase over a 2 year period of 31.5%. Since the increase is so drastic and arbitrary compared to historical wage increases it remains unseen the effects it will have if passed.

Although Canada has never seen an increase in minimum wage of this nature, Seattle, Washington had a similar increase from $11/hour to $13/hour in 2016. Many small businesses responded to the increase by cutting low-wage workers hours and letting go of employees. The legislation had the opposite effect of what was intended because the reduced hours resulted in workers yearly earnings going down and not up.

Who will this affect?

It is uncertain who this will directly affect as the change has not happened yet. However, many economists have provided insights into the possible repercussions. This wage increase will definitely affect small business owners such as restaurant owners that have many minimum wage and student workers. For most small employers the calculated increase in payroll is the difference between profit and loss. This is going to have a negative effect in either of two ways; either the price for product at the business will need to go up to counteract the large payroll, or the low-wage employees will need hour reductions or possibly be let go. More than likely the move to $15 will result in higher prices everywhere so is anyone really further ahead? I don’t think so.

Regardless of whether the changes are going to be good or bad for the economy, it seems that Ontario’s legislative committee is going to pass the proposed legislation. Ontario’s legislative committee is currently touring Ontario stopping in Thunder Bay, North Bay, Ottawa, Kingston, Windsor, London, Kitchener, Niagara Falls, Hamilton and Toronto. If you want your voice to be hear go to the community hearings and let the committee know how you feel about the proposed increase. Because we know how many of our small business clients feel and it is not good to see.

Employment Insurance

The other question that arises is how will employment insurance respond to the proposed change. The increasing of minimum wage has some suggesting that the amount contributed to employment insurance will have to increase. Otherwise, for the reasons mentioned above, less people will be able to retain their positions and this could result in more frequent payouts.

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What Happens When A Tree Falls On My Yard? https://www.mcdougallinsurance.com/2017/06/29/tree-fall-on-yard/ https://www.mcdougallinsurance.com/2017/06/29/tree-fall-on-yard/#respond Thu, 29 Jun 2017 20:58:35 +0000 https://www.mcdougallinsurance.com/?p=14157 Trees. They provide the oxygen we require to survive. They can provide a picturesque setting. They can even provide a place to hang a swing set. But sometimes they can be a real headache, especially when they come crashing down from your neighbours yard onto your property. When a tree falls on your yard it […]

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Trees. They provide the oxygen we require to survive. They can provide a picturesque setting. They can even provide a place to hang a swing set. But sometimes they can be a real headache, especially when they come crashing down from your neighbours yard onto your property. When a tree falls on your yard it can be a real drag, and depending on the scenario it might be even worse than you thought.

Here are some questions we would like to address for anyone who is wondering what do I do with this tree on my yard:

What happens when a tree falls from my neighbor’s yard damaging my property?

This may come as a surprise to some, however we would like to make it clear that if your neighbour’s tree falls onto your property and causes damage to your home, your homeowner’s policy will provide coverage for any damages up to your policy limits, after you pay your deductible. In other words, your neighbours home policy and your neighbour will not be effected. Aside from having a new grumpy neighbour that now have to live beside.

If a tree falls from my neighbours yard but does not damage anything, who pays to remove it?

Again, we hate to say it but you will have to clean this one up yourself or pay for a tree removal company to come and clean up the mess. Even if it is just the branches that come from your neighbour’s tree, you are responsible for the clean up. Unless, of course you can negotiate a deal with your neighbour and let them do the work. You think this would be a common courtesy but that is not always the case.

Can I cut down or trim my neighbour’s tree if I think it is dangerous?

If you think the branches of your neighbour’s tree are too close to your home, you can cut them back to the property line, as long as you do not injure the tree. You cannot cut down the tree or enter your neighbour’s land to trim branches without permission.

If my neighbour cuts down a tree on his yard and it damages my property he pays right?

You would think so. But in Ontario what happens is this. Your neighbour the one cutting down the tree would be considered negligent and responsible for the damage. Therefore he would be responsible to pay the actual cash value of the liability claim. However, in Ontario in order to claim the guaranteed replacement cost you need to claim under your own insurance policy for damages to your property. Your insurance company will go against your neighbours insurance company to make up the difference so you get the full replacement cost. However, as soon as this happens it is filed as a liability claim under your own home insurance policy. Did you have a nice claims free discount? Kiss that goodbye thanks to your clumsy neighbour.

What happens if a tree falls on my car?

If a tree falls on your car, the comprehensive coverage of the vehicle owner’s auto policy will apply. Therefore, generally the owner of the tree is not responsible. If your tree falls on your neighbor’s car, your neighbor’s car insurance should pay the claim if your neighbor carries comprehensive coverage. If your neighbor’s tree falls on your car, your comprehensive coverage applies.

Trees. We love them but sometimes they can be a real headache. It is important to know the different scenarios when it comes to how a tree falls and how your insurance coverage can protect you. If you are ever in doubt calling an insurance broker is a good start!

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McDougall Days of What? McDougall Days of SUMMER!! https://www.mcdougallinsurance.com/2017/06/28/days-of-summer/ https://www.mcdougallinsurance.com/2017/06/28/days-of-summer/#comments Wed, 28 Jun 2017 15:49:23 +0000 https://www.mcdougallinsurance.com/?p=13897 The Frugal McDougall crew knows exactly what tickles your fancy because it tickles ours too! FREE GIVEAWAYS!! McDougall Days of Summer is just around the corner and it is going to be better than ever. McDougall Insurance is partnering with community businesses surrounding our 28 branch locations to provide free giveaways for our loyal customers. This […]

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The Frugal McDougall crew knows exactly what tickles your fancy because it tickles ours too! FREE GIVEAWAYS!! McDougall Days of Summer is just around the corner and it is going to be better than ever. McDougall Insurance is partnering with community businesses surrounding our 28 branch locations to provide free giveaways for our loyal customers. This year we have more partnerships than ever before, which means one thing… More free stuff! Keep your eyes peeled for participating locations near you!

Want even more free stuff?!!

Its contest time!!! This year our Frugal Fridays are taking a special twist! We are going to have a draw after the last Frugal Friday has been completed (August 25th) for a chance to win 2 FREE TORONTO BLUE JAYS TICKETS for Friday, September 22nd @7:00PM against the New York Yankees! Here is how to enter:

  • Take a picture at the giveaway location with your free item in hand.
  • Post that picture to social media (Facebook, Twitter, Instagram) with the hashtag #FrugalMcDougallFriday and tag our respective social media account.
  • The more places you visit and pictures you take the better your chances are!blue jays ticket contest

When and where?

The Days of Summer campaign is going to be running every Friday from July 7th to August 25th (8 Fridays total) to make your Fridays even better! Every week the giveaways are going to be coming from different participating businesses surrounding our branch locations. You will need to check out our blog and social media channels at the start of each week to see if there are any participating businesses near you that Friday.

How can you participate?

We wanted to make it as easy as possible for all of our customers to participate so there are only 2 easy steps to follow:

  1. You have to show up to a participating business on the Friday that they are providing free giveaways. We will be updating our social media channels and doing radio ads to communicate the locations that are participating that week so you can stay updated.
  2. All you need to bring is a proof of insurance from McDougall Insurance (usually in the form of the pink slip liability card but any proof is sufficient) and you can claim your free giveaway.

Summer is sweet, but not quite sweet enough. Come back to this blog post weekly to check out the updated locations and find a local giveaway near you! We hope to see all of our customers out and about taking advantage of these awesome giveaways.

Check out this weeks offers:

 

McDougall Days of Summer July 21

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McDougall Family Fund Winners https://www.mcdougallinsurance.com/2017/06/26/mcdougall-family-fund-winners/ https://www.mcdougallinsurance.com/2017/06/26/mcdougall-family-fund-winners/#respond Mon, 26 Jun 2017 14:23:18 +0000 https://www.mcdougallinsurance.com/?p=14153 This year the McDougall Family Fund contest was a huge success! We partnered with Northbridge Insurance to award an additional $5,000 that we split between 2nd and 3rd place winners. Spay Neuter Kingston Initiative won the 1st place prize of $5,000, Kids R Kool won the 2nd place prize of $3,000, and The Highland Animal Relief […]

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This year the McDougall Family Fund contest was a huge success! We partnered with Northbridge Insurance to award an additional $5,000 that we split between 2nd and 3rd place winners. Spay Neuter Kingston Initiative won the 1st place prize of $5,000, Kids R Kool won the 2nd place prize of $3,000, and The Highland Animal Relief Team won the 3rd place prize of $2,000. Read more about what these great initiatives plan to do with the prize money below!

Help Save My Life

Spay Neuter Kingston Initative is a non-profit organization and their goal is to improve the welfare of cats in the Greater Kingston Area by spaying/neutering their managed colonies to reduce overpopulation. They partner with local veterinarians in order to perform the procedures and they have fixed over 1,050 cats to date. In addition to fixing their managed colonies SNKI assists local animal shelters by providing reduced cost surgeries and raises funds to fix the pets of low income owners. The $5,000 McDougall Family Fund donation would go towards further stabilizing managed feral cat communities in the surrounding area to improve the quality of life and reduce overpopulation. To learn more about Spay Neuter Kingston Initiative check our their website and their Facebook page.

spay neuter kingston initiative

Kids R Kool

Kids R Kool is a non-profit organization that sponsors individuals, teams, and families in various sports. This sponsorship allows underprivileged families to get the funding that they need to participate in sports that they would not be able to otherwise. As well as providing sponsorship, Kids R Kool purchases Christmas gifts for underprivileged, local children. In 2016 they purchases 155 gifts for 46 kids! Kids R Kool raises money by giving rides in their late model car at the Brighton Speedway. However, they would like to have a greater impact on more children and cannot with the funds raised from the rides. With the $5,000 Family Fund donation, Kids R Kool would provide sponsorship to more local kids. To learn more about Kids R Kool, check out their Facebook page.

Kids R Kool

Highland Animal Relief Team (HART) – SNIP Initiative

The Spay/Neuter Incentive Program (SNIP) aims to provide financial assistance for the spay/neuter of dogs and cats that belong to low income families in Bancroft and the surrounding area. The program works effectively to severely reduce the number of unplanned dog and cat pregnancies, which in turn reduces the number of unwanted pets that end up stray or in rescue. However, because Hart receives no government funding, the SNIP Initiative is funded solely by donations and fundraising efforts. With the $5,000 McDougall Family Fund donation, HART plans on putting it towards the SNIP Initiative to spay/neuter as many household animals as possible for families that cannot afford it. Check them out on their website, Facebook, or Twitter to learn more about the awesome cause.

hart snip initiative

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Meet The Dougallers: Ryan McKenna https://www.mcdougallinsurance.com/2017/06/21/meet-the-dougallers-ryan-mckenna/ https://www.mcdougallinsurance.com/2017/06/21/meet-the-dougallers-ryan-mckenna/#respond Wed, 21 Jun 2017 18:48:55 +0000 https://www.mcdougallinsurance.com/?p=14093 The first week of Meet The Dougallers features our new kid on the block; Ryan McKenna. Ryan was just added to the McDougall Insurance Sales Team working out of our Kingston office. He is very eager to start selling insurance and building a strong reputation with his clients. Since neither of us know Ryan all […]

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The first week of Meet The Dougallers features our new kid on the block; Ryan McKenna. Ryan was just added to the McDougall Insurance Sales Team working out of our Kingston office. He is very eager to start selling insurance and building a strong reputation with his clients. Since neither of us know Ryan all that well, we sat down with him and did a Q&A to get a bit more information. Have a peek below and find out why Ryan McKenna is your guy!

Place of birth?

Kingston, Ontario born and raised.

Hobbies?Ryan Mckenna golfing

Boating, golfing, camping, and anything outdoors!

Favorite meal?

Stir-fry. Everything goes to the same place right? Perfect balance of carbs, fats and proteins.

Favorite saying?

“Do it once, do it right”

Favorite Sports team and why?

Toronto Maple Leafs – my grandfather tells me interesting stories about when they won the cup.

How did you get involved in insurance?

Surprisingly I did not fall into the industry like most people. Growing up with family in the industry, it had always been an interest of mine to pursue as a career.

What do you bring to the table to help your clients?

Customer service and technical knowledge – Customer service comes easy to me as I am incredibly enthusiastic when it comes to insurance. Also having worked as an underwriter before becoming a broker, I acquired a great amount of technical skills.

What do you think is important in a relationship with a client?

Understanding the customers needs. In insurance, not every client is the exact same. It is important to set up a personalized insurance product to tailor to the needs of each and every client.

What has been your favourite thing about working for McDougall Insurance?

The involvement that each branch has in their communities through fundraising and charity work. It makes me feel proud to be apart of the McDougall Team because I know I am doing my part to make a difference!

Favourite four-legged animal and why?

Dog – They’re a man’s best friend.

Who is your celebrity role-model and why?

Leonardo DiCaprio – His involvement as a environmental activist. Finally a big name celebrity that is taking a stand againt climate change. Shout out to Before the Flood it is an amazing movie!

Who would win a fight between Spider-man and Batman?spiderman

Spider-Man. Batman is just a rich guy with a wicked butler. Spider-man would wrap him up in seconds.

Anything else you would like to add?

I am a true believer in the independent broker system for providing the best value to insurance consumers. I love getting to know each one of my clients on a personal basis and I think I have the best opportunity to do that at McDougall Insurance.

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Bad Driving Habits. How Many Do You Have? https://www.mcdougallinsurance.com/2017/06/13/bad-driving-habits/ https://www.mcdougallinsurance.com/2017/06/13/bad-driving-habits/#respond Tue, 13 Jun 2017 20:20:53 +0000 https://www.mcdougallinsurance.com/?p=13789 Do you have bad driving habits? This may seem like a pretty straight forward question; however, you may be surprised to hear people defending their good driving as they speed along with a cell phone in their hand. There really is some pretty crazy driving out there at times. You have likely seen some things […]

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Do you have bad driving habits? This may seem like a pretty straight forward question; however, you may be surprised to hear people defending their good driving as they speed along with a cell phone in their hand. There really is some pretty crazy driving out there at times.

You have likely seen some things that made you shake your head – passing on the right, changing lanes without signaling, speeding up through a yellow light – all bad moves. Most think they are very good drivers, considerate of other drivers and in keeping with the rules of the road. But, some of those rules are being bent.

The best prevention is awareness – here is a list of the top five most dangerous things people do behind the wheel:

Tailgating

How close is too close? Tailgating is nothing short of dangerous, and the chances of an accident go way up! Not only does it put you in danger, but others as well. Stay back, stay calm and give yourself the time you need to make good driving decisions. Remember, if you are in an accident where you hit another car from the rear, you will likely be found at fault for following too close.

Driving tired

Driving tired has been compared to being as dangerous as driving while intoxicated, and this can certainly lead to accidents. The Canada Safety Council reports that fatigue is a factor in about one in every five accidents. Be sure you have had a solid night sleep before you hit the road – if you are tired,, yawning or having a hard time keeping your peepers open, pull over for everyone’s safety.

Obstructing traffic when lost

There is nothing more stressful than finding yourself lost while driving in the city traffic, or maybe you just can’t find the address you are looking for – what can you do? Most drivers just slow down and look around to figure things out. Believe it or not – this will certainly mean more trouble for you than simply being late – it can be dangerous. Other motorists can get impatient and stressed as well, and may start driving aggressively. Best advice is to pull over; get out of the flow of traffic until you know where you are going.

Pickups and drop-offs in high traffic areas

Whether it be at a school, intersection or no-stopping zone, allowing passengers (especially children) to enter or exit your vehicle in these areas is dangerous. One of the worst times of the day for pedestrian-motor vehicle collisions is during rush hour. Seriously, it is called rush hour for a reason – everyone is in a rush! During drop-off or pickup, always pull off to a safe area or designated “drop-off” zone so that your commute is safe for everyone.

Distracted driving

Saving the best – I mean worst – for last. Distracted driving has become a serious concern on our roads – whether you are eating lunch, playing with the radio or on your cell phone, you are distracted and that is dangerous. Texting and driving has become one of the leading causes of accidents on our roads, equally dangerous to driving while under the influence of drugs or alcohol, unfortunately drivers are not getting the message. Driving campaigns continue to encourage drivers to keep their eyes and mind on the road for the safety of everyone!

Breaking bad habits doesn’t happen overnight, but being aware of your behavior while driving is the first step to prevention against unsafe driving. Do your part to make our roads safer for everyone!

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The Worst Road in Ontario is in PEC https://www.mcdougallinsurance.com/2017/06/06/the-worst-road-in-ontario-is-in-pec/ https://www.mcdougallinsurance.com/2017/06/06/the-worst-road-in-ontario-is-in-pec/#respond Tue, 06 Jun 2017 18:50:41 +0000 https://www.mcdougallinsurance.com/?p=13793 What is that one road that you dread driving, cycling or walking on your commute? If it is County Road 49 in Prince Edward County, then unfortunately you are in good company. It ranks the number one worst road to travel in Ontario. Every year the Canadian Automobile Association holds a campaign asking drivers, cyclists, […]

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What is that one road that you dread driving, cycling or walking on your commute? If it is County Road 49 in Prince Edward County, then unfortunately you are in good company. It ranks the number one worst road to travel in Ontario.

Every year the Canadian Automobile Association holds a campaign asking drivers, cyclists, transit riders and pedestrians (that just about covers everyone!) to identify the worst roads they travel. According to the CAA, the worst roads are those that “suffer from potholes, crumbling pavement and congestion, roads with pedestrian and cyclist safety issues, and roads that have confusing signs and bad traffic light coordination.”

The month long survey held in April provides a voice to locals that are frustrated with the road conditions. It is an opportunity to have your say and make change happen. Sick and tired of hitting those potholes? Potholes and crumbling pavement are the most common issues leading to a road being reported to CAA. Equally frustrating for people are confusing signage and poor cycling infrastructure.

Does any of this sound like your daily commute? Make sure you get heard and vote. Once all of the votes are in and tallied, CAA then uses the results to work with officials to get the work done to repair the roads.

The results are in and one of the conclusions is that more attention needs to be paid to smaller municipalities. For complete results click here

The 10 Worst Roads in Ontario

1 County Road 49 Prince Edward County
2 Algonquin Boulevard West Timmins
3 Balmoral Street Thunder Bay
4 Algonquin Boulevard East Timmins
5 Queenston Street St. Catharines
6 Burlington Street East Hamilton
7 Lorne Street Sudbury
8 Bayview Avenue Toronto
9 Dufferin Street Toronto
10 Riverside Drive Timmins
10 Water Street Thunder Bay

The 5 Worst Roads in Eastern Ontario

1 County Road 49 Prince Edward County
2 Limoges Road Limoges
3 Lansdowne Street Peterborough
4 Marshall Road Belleville
5 Otonabee Drive Peterborough

We would love to do an informal survey right here, right now, so feel free to leave the worst road you travel every day in the comments section below.

Did You Know?

From the CAA website:

Reporting potholes is important because they can be a major road hazard.

For potholes located on local or regional roads, you will need to contact the municipality responsible for that road. For potholes located on provincial highways, you will need to contact the Ministry District Office for the Province of Ontario.

How to contact a municipality

Most municipalities in Ontario have 311 programs in order to contact municipal service. You can dial 311 to report a pothole if the service is offered in your municipality. If 311 is not available, contact the main switchboard at the municipal offices and you will then be routed to the appropriate department.

How to contact the Province of Ontario

Potholes and other highway maintenance issues can be reported by contacting the Ministry of Transportation District Office in your region of the province. Please call 1-800-268-4MTO (4686) to be connected with the regional office in your area.

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Meet The Family Fund Finalists https://www.mcdougallinsurance.com/2017/05/30/meet-family-fund-finalists/ https://www.mcdougallinsurance.com/2017/05/30/meet-family-fund-finalists/#respond Tue, 30 May 2017 21:09:17 +0000 https://www.mcdougallinsurance.com/?p=13850 Northumberland Navy League and Sea Cadets For over 75 years the Northumberland Navy League and Sea Cadets has been providing youth aged 9 to 18 free programming. The program aims to instill citizenship, leadership, and build confidence in youth who do not have the chance to participate in character building activities outside of school. It takes […]

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Northumberland Navy League and Sea Cadets

For over 75 years the Northumberland Navy League and Sea Cadets has been providing youth aged 9 to 18 free programming. The program aims to instill citizenship, leadership, and build confidence in youth who do not have the chance to participate in character building activities outside of school. It takes many dedicated volunteers to deliver training in marksmanship, sailing, first aid, leadership, music, and many more. However, since the program is free for youth, it requires a lot of funding to provide the resources and tools to run the program. The youth of Northumberland cherish the opportunity to be a part of the Navy League and need funding to keep the program barrier free for all children in the community. If they are to win the $5,000 McDougall Family Fund donation, they will continue to provide exceptional services and programs to all the youth of Northumberland. If you want to learn more, or follow the journey of the Navy League check them out on their website, Facebook, or Twitter.

Northumberland navy league and sea cadets

Highland Animal Relief Team (HART) – SNIP Initiative

The Spay/Neuter Incentive Program (SNIP) aims to provide financial assistance for the spay/neuter of dogs and cats that belong to low income families in Bancroft and the surrounding area. The program works effectively to severely reduce the number of unplanned dog and cat pregnancies, which in turn reduces the number of unwanted pets that end up stray or in rescue. However, because Hart receives no government funding, the SNIP Initiative is funded solely by donations and fundraising efforts. With the $5,000 McDougall Family Fund donation, HART plans on putting it towards the SNIP Initiative to spay/neuter as many household animals as possible for families that cannot afford it. Check them out on their website, Facebook, or Twitter to learn more about the awesome cause.

hart snip initiative

DeafBlind Ontario Services

Founded in 1989, DeafBlind Ontario Services is a not-for-profit organization that provides service to deafblind individuals to increase their independence and improve their quality of life. The specialized services are custom to each client and use sensory engagement to engage them with the world around them. Right now DeafBlind Ontario Services has residential locations and community services programs across Ontario and they plan on expanding facilities in 2018. Purchasing equipment for the new facilities relies heavily on donations. The $5,000 McDougall Family Fund grant would go towards purchasing a lift device that a client can use to do physical exercise. Check out DeafBlind Ontario Services on their website or Facebook to learn more.

deafblind ontario services

Carefor Camp Erin Eastern Ontario

Camp Erin is an overnight camp that hosts children aged 6 to 17 who have experienced the death of significant person in their life. Camp Erin effectively mixes traditional, fun camp activities such as swimming, hiking, and games with a safe place for the children to express their grief with other children going through the same situation. The camp is facilitated by grief professionals and trained volunteers who assist the children in coping with loss in a supportive environment. The $5,000 McDougall Family Fund donation would go towards the purchase of food, sports equipment, and craft supplies for the children at the camp. To learn more about the amazing Camp Erin check them out on Facebook or their website.

camp erin

Reaching for Rainbows

Reaching for Rainbows is a non-profit group that provides an amazing program to vulnerable young girls aged 6 to 9 in Prince Edward County. Young girls come to the Reaching for Rainbows centre four days a week to take part in a structured play program that is tailored to their needs and interests. The program is mainly put on by volunteer efforts and the volunteers work tirelessly to provide a calm, safe place that the girls can de-stress and have fun with like individuals. The program is free for the girls to attend and the girls are recommended by surrounding schools and youth groups. The $5,000 McDougall Family Fund donation would go towards providing games, craft supplies, and healthy foods for the girls to eat while at the centre. To learn more about Reaching for Rainbows check their website or Facebook out!

reaching for rainbows

Belleville Pride

Belleville Pride is made up solely of volunteers and it is their mission, and honour to make the Quinte region more inclusive so that everyone feels safe. Belleville Pride hosts events each year where Lesbian, Gay, Bisexual, Transgender, Queer, Questioning, and Two-spirited people from the region can gather and feel welcome in a positive space. Their goal is to improve the community and hope that someday people will feel safe being truly themselves all the time and not just at Pride events. Since the group is made up of volunteers, they rely on donations to offer the amazing, inclusive events each year. If Belleville Pride were to win the $5,000 Mcdougall Family Fund donation they would use it to provide free transportation to the events, a camcorder to create a documentary of the stories within the community, meals for volunteers, and a parade banner. To learn more about Belleville Pride check them out on their website and Facebook.

belleville pride

Help Save My Life

Spay Neuter Kingston Initative is a non-profit organization and their goal is to improve the welfare of cats in the Greater Kingston Area by spaying/neutering their managed colonies to reduce overpopulation. They partner with local veterinarians in order to perform the procedures and they have fixed over 1,050 cats to date. In addition to fixing their managed colonies SNKI assists local animal shelters by providing reduced cost surgeries and raises funds to fix the pets of low income owners. The $5,000 McDougall Family Fund donation would go towards further stabilizing managed feral cat communities in the surrounding area to improve the quality of life and reduce overpopulation. To learn more about Spay Neuter Kingston Initiative check our their website and their Facebook page.

spay neuter kingston initiative

Kingston Motionball Marathon of Sport

Motionball is a not-for-profit organization that raises funds and awareness for the Special Olympics Canada Foundation. The goal is to introduce the next generation of volunteers and donors to the Special Olympics movement through the Marathon of Sport. Marathon of Sport is a fun-filled day of athletics where young people in the community team up with Special Olympic Ontario athletes and compete in a variety of sports. This event is an amazing way to raise awareness of Special Olympics in the community all while having fun playing sports. The $5,000 McDougall Family Fund donation would go towards the cost of essential equipment to be used on the day of the event, to increase the amount donated to the Special Olympics Canada Foundation. To learn more check out their website or Facebook.

Kingston Motionball marathon of sport

Kids R Kool

Kids R Kool is a non-profit organization that sponsors individuals, teams, and families in various sports. This sponsorship allows underprivileged families to get the funding that they need to participate in sports that they would not be able to otherwise. As well as providing sponsorship, Kids R Kool purchases Christmas gifts for underprivileged, local children. In 2016 they purchases 155 gifts for 46 kids! Kids R Kool raises money by giving rides in their late model car at the Brighton Speedway. However, they would like to have a greater impact on more children and cannot with the funds raised from the rides. With the $5,000 Family Fund donation, Kids R Kool would provide sponsorship to more local kids. To learn more about Kids R Kool, check out their Facebook page.

Kids R Kool

York River Grade 4/5 Garden

The York River Public School Grade 4/5 class wants to create a fruit and vegetable garden at their school to promote healthy eating within the school. The class has been learning all about healthy eating and the benefits it can provide to the human body and they want to take action. They have began growing vegetables in the classroom to promote learning about plant biology but need funding to scale the project so they can eat the produce. With the $5,000 donation the class plans to build raised garden beds outside of the school so they can plant more vegetables and donate the produce to the Bancroft Food Bank. Watch the video on our Facebook page to learn more about the great idea!

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Insurance Coverage for your Home Reno https://www.mcdougallinsurance.com/2017/05/29/home-renovation-insurance-coverage/ https://www.mcdougallinsurance.com/2017/05/29/home-renovation-insurance-coverage/#respond Mon, 29 May 2017 19:30:38 +0000 https://www.mcdougallinsurance.com/?p=13804 When renovating your home, most people tend to think they have everything planned out by the time the contractor starts tearing the house apart. However, most people forget about involving their home insurance broker to provide renovation insurance coverage to protect their house during and after renovation. Don’t be one of those people. The Importance of […]

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When renovating your home, most people tend to think they have everything planned out by the time the contractor starts tearing the house apart. However, most people forget about involving their home insurance broker to provide renovation insurance coverage to protect their house during and after renovation. Don’t be one of those people.

The Importance of Home Insurance When Renovating

While contractors are required to have insurance for their services and workers, it may not cover all the risks involved with the renovation. Accidents that occur while renovating and after the job is complete might not be covered due to faults or mishandling of the process. It is crucial to ensure that your contractor has adequate coverage before they begin the job. If you have a contractor doing a renovation or building a new home for you ask them about their policy and if they have a builder’s risk policy.

Here are a few other risks that most people don’t think of during a renovation:

Vacancy permit

Many home insurance policies require that the home remains consistently occupied to ensure that the home will be well maintained and protected. Vacating your home to allow the contractor room to undertake the project may be violating your insurance policy if the renovation exceeds 30 days. For example, if the house was burglarized while you were vacant, the claim would most likely not go through. As such, it is important to notify your insurance broker beforehand to acquire a vacation permit or else your insurer may fine you, depending on the policies terms.

Value addition

While renovating comes at a price, it also adds value to the home. The added value of the home could cause the premium to increase or decrease depending on the work done. If the homeowner was to update the roof or electrical work, the premium would most likely go down even though the value of the home would go up. It is important to work closely with your insurance broker and keep them informed of the renovations to adjust the policy as necessary.

Failure to do this may cause confusion in case of accidents as the renovations will not be covered, forcing the insurance company to only partially refinance you.

Make sure to involve your insurance broker when undertaking renovations to avoid incurring losses while also ensuring that your home’s new value is accounted for. For best results throughout the renovation insurance coverage process, it’s best to hire an expert. McDougall Insurance is here to help. Check out our contractors insurance page or our home insurance page for more information and contact a local broker to get started.

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