Reducing Your Personal Risk

Managing your Personal Total Cost of RiskT (PTCOR) is the key to spending less money on insurance premiums. A focus on loss prevention, whether it is safe driving habits, making sure your home is not vulnerable to loss, or living a healthy lifestyle which helps keep your health care costs down. We want you to have the tools you need to protect your assets, be safe, and keep your Risk Costs manageable.

So now you understand the steps you need to prevent and mitigate risk. We have a great team of individuals here trained to help you find the best way to protect you and your hard earned assets from loss. Since we are an insurance broker, representing some of Canada's leading insurance companies, we can create an insurance program that works the way you want at a cost you can afford. We've got programs for automobiles, homes, cottages, boats - all the toys in your life.  Let us help design a program to keep your Personal Total Cost of Risk as low as possible!

Here are some unique tools to help you manager your Personal Total Cost of RiskT (PTCOR)

• Personal Total Cost of RiskT Calculator - Designed to help you discover what your Actual PTCOR is.
• The Water Damage Protection SystemT - Water Damage is the #1 cause of loss these days, and often not covered under insurance. Protect Yourself.
• The Identity Theft ProtectorT - In this electronic age, Identity Theft is a more and more common. Protect your identity, your reputation, and your credit.
• The Safe Travel ChecklistT - We all love a great holiday, but depending on how we travel, we can expose ourselves to more risk. Take the steps you need to have a safe and enjoyable holiday.
• The Flood Protection SystemT - Flood damage is almost never covered by insurance. There are steps you can take to protect yourself from this risk, which is becoming more common with changing weather patterns.
• The Windstorm ProtectorT - While we rarely see a hurricane in Newfoundland, we see lots of wind. This tool helps make sure your home and vehicles don't suffer from unnecessary windstorm damage.
• Home Inventory Checklist - We found this excellent tool for creating an inventory of your home belongings. Complete this and save it somehere safe to help recreate what you had in your home in the event of a major loss. (Thanks to www.vertex42.com for this great template!)
• Frozen Pipe Protection System - NEW - Make sure you don't end up with a mess on your hands. Some common sense tips for preventing this from happening during a cold snap.