Notes
The answers I give on the phone, written down.
Every week a business owner in Halifax asks me something they assumed was obvious and it turns out nobody ever explained it to them. Certificates. Renewal increases. What a policy quietly leaves out. I write those answers down here so you can read one at midnight instead of waiting for me to pick up.
Latest
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Can I use my personal car for business in Nova Scotia?
Deliveries, tools in the truck, staff errands. Where a personal auto policy stops and what Nova Scotia requires you to tell your insurer.
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Why did my commercial premium go up this year?
Your business did not change, but your premium did. The six reasons commercial insurance rates move, and which ones you can actually control.
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What does a certificate of insurance actually cover?
A certificate of insurance is proof, not protection. What the document actually does, what it doesn’t, and the four lines on it that matter.
Got a question I haven’t written about?
Send it to me. If it’s the kind of thing three other owners have already asked, it becomes the next piece.
Rayanur Rahman 