Insurance Blog
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…
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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…
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Got a question I haven’t written about?
Ask it on a call. If it’s the kind of thing three other owners have already asked, it becomes the next piece.