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Practical insurance guidance for Canadian families and businesses. New articles every day on protecting what you own, what's changing in the industry, and how to be ready before you need to be.
Featured · Business
What Is a Waiver of Subrogation in a Commercial Contract?
What is a waiver of subrogation? Learn why landlords, general contractors, and Canadian commercial contracts often require this insurance clause.
By MyBrokers Communications · August 25, 2026 · 6 min read
Read article →Latest articles
Business
What Is Crime Insurance and Social Engineering Fraud Coverage?
What is crime insurance and social engineering fraud coverage in Canada? A look at what a commercial crime policy typically includes and where it stops.
August 24, 2026
6 min read
Home
What Is Personal Liability Coverage on a Home Insurance Policy?
What is personal liability coverage on a home insurance policy? A look at what it typically includes, standard limits, and what it generally leaves out.
August 24, 2026
5 min read
Auto
Who Needs to Be Listed as a Driver on a Car Insurance Policy?
Who needs to be listed as a driver on a car insurance policy in Canada? A plain-language look at household drivers, occasional use, and disclosure.
August 24, 2026
6 min read
Auto
How Does Car Insurance Work for a Student Away at School?
How does car insurance work for a student away at school in Canada? A plain-language look at the away-at-school discount, disclosure, and staying insured.
August 23, 2026
6 min read
Home
What Does a Home Insurance Policy Typically Exclude?
What does a home insurance policy typically exclude? A look at the water, maintenance, vacancy, and business-use gaps most standard policies leave out.
August 23, 2026
6 min read
Everyday Living
What Does an Insurance Broker Do at Renewal Time?
What does an insurance broker do at renewal time? A look at the coverage review, market comparison, and paperwork brokers handle before a policy renews.
August 23, 2026
6 min read
Auto
Do Vehicle Modifications Affect Your Car Insurance?
Do vehicle modifications and aftermarket parts affect car insurance? A look at what needs to be disclosed to your insurer and why it matters.
August 22, 2026
6 min read
Business
How Does Commercial Insurance Work for Oilfield Services Companies?
How does commercial insurance work for oilfield services companies in Alberta? Coverage lines, limits, and certificate requirements these firms typically face.
August 22, 2026
6 min read
Home
What Is Sewer Backup Coverage in Home Insurance?
What is sewer backup coverage in home insurance? A look at what it typically pays for, what causes a backup, and how it differs from overland water.
August 22, 2026
7 min read
Business
What Insurance Do Ontario Contractors Need for Municipal Work?
What insurance do Ontario contractors need for municipal work? A look at the CGL limits, WSIB clearance, and bonding that municipal tenders typically require.
August 21, 2026
6 min read
Auto
What Insurance Does a Motorcycle or Scooter Need in Canada?
What insurance does a motorcycle or scooter need in Canada? A look at mandatory coverage, how mopeds and scooters are classified, and optional add-ons.
August 21, 2026
6 min read
Home
What Is Service Line Coverage in Home Insurance?
What is service line coverage in home insurance? A plain-language look at the underground pipes and wiring it covers, what it typically excludes, and cost.
August 21, 2026
7 min read
Auto
Does Your Car Insurance Cover a Rental Car in Canada?
Does your car insurance cover a rental car in Canada? A plain-language look at the SEF 27 and OPCF 27 endorsement, counter waivers, and credit card coverage.
August 20, 2026
6 min read
Wildfire & Weather
What Is Overland Water Coverage in Ontario Home Insurance?
What is overland water coverage in Ontario home insurance? How the flood endorsement works, how it differs from sewer backup, and how insurers assess flood risk.
August 20, 2026
6 min read
Business
What Is Pollution Liability Insurance for Contractors?
What is pollution liability insurance for contractors in Canada? How this coverage fills the gaps standard general liability policies typically exclude.
August 20, 2026
6 min read
Home
Do Solar Panels Affect Home Insurance in Canada?
Solar panels can change how home insurance works in Canada, affecting dwelling limits and endorsements. Here is what typically changes and why it matters.
August 19, 2026
7 min read
Business
What Insurance Does a Food Truck Need?
What insurance does a food truck need in Canada? A look at commercial auto, general liability, product liability, and property coverage for mobile vendors.
August 19, 2026
6 min read
Auto
What Is a Car Insurance Deductible and How Does It Work?
What is a car insurance deductible and how does it work? A look at collision and comprehensive deductibles and how the amount affects your premium.
August 19, 2026
6 min read
Business
Do Online Businesses and Amazon Sellers Need Insurance?
Do online businesses and Amazon sellers need insurance in Canada? A look at Amazon's coverage requirement, product liability, and cyber risk for online sellers.
August 18, 2026
6 min read
Auto
How Does Car Insurance Work for Electric Vehicles in Canada?
How does car insurance work for electric vehicles in Canada? A plain-language look at why EV premiums often run higher and what typically shapes the cost.
August 18, 2026
6 min read
Home
What Is Strata Insurance and What Does a BC Condo Owner Need?
What is strata insurance in BC? Learn what the strata corporation's master policy typically covers and where a condo owner's own coverage picks up.
August 18, 2026
6 min read
Auto
What Is Loss of Use Coverage After an Accident?
What is loss of use coverage after an accident? A plain-language look at how this optional car insurance add-on pays for a rental car or transit while your vehicle is repaired.
August 17, 2026
7 min read
Business
What Is Umbrella or Excess Liability Insurance for a Business?
What is umbrella or excess liability insurance for a business in Canada? How these coverages extend liability protection past primary policy limits.
August 17, 2026
6 min read
Wildfire & Weather
How Does Earthquake Coverage Work in BC Home Insurance?
How does earthquake coverage work in BC home insurance? A look at the percentage-based deductible, what it typically covers, and how insurers price the risk.
August 16, 2026
7 min read
Everyday Living
How to Switch Insurance Brokers in Canada
How to switch insurance brokers in Canada without a coverage gap, from choosing a new broker to signing a broker of record letter and updating your policy file.
August 16, 2026
5 min read
Auto
What Are Ontario's Accident Benefits in Car Insurance?
What are Ontario's accident benefits in car insurance? A plain-language look at what SABS is designed to cover, its limits, and the July 2026 changes.
August 16, 2026
6 min read
Wildfire & Weather
Do Hail-Resistant Roofing Materials Lower Home Insurance Premiums in Alberta?
Do hail-resistant roofing materials lower home insurance premiums in Alberta? A look at Class 4 shingle ratings, insurer discounts, and what to verify.
August 15, 2026
6 min read
Auto
How Do Traffic Tickets and Demerit Points Affect Car Insurance?
How do traffic tickets and demerit points affect car insurance in Canada? A look at what insurers actually price, and how convictions differ by type.
August 15, 2026
6 min read
Business
What Is Directors and Officers Insurance for Small Companies?
What is directors and officers insurance for small companies in Canada? A plain-language look at what D&O coverage typically includes and who carries it.
August 15, 2026
6 min read
Auto
How Does Digital Proof of Insurance Work in Canada?
How does digital proof of insurance work in Canada? A look at how digital pink slips became legal, how to use one, and when to carry a paper backup.
August 14, 2026
6 min read
Business
Gross Earnings vs. Profits Forms of Business Interruption
What is the difference between the gross earnings and profits forms of business interruption insurance? How each one calculates a covered loss.
August 14, 2026
6 min read
Wildfire & Weather
What Is FireSmart and Can It Lower Home Insurance Costs?
What is FireSmart and can it lower home insurance costs in Alberta? A look at the wildfire program's assessments, zones, and insurer discounts.
August 14, 2026
6 min read
Business
What Is Equipment Breakdown Insurance in Canada?
What is equipment breakdown insurance in Canada? A plain-language look at what it covers, how it differs from property insurance, and who carries it.
August 13, 2026
6 min read
Auto
What Happens to Your Car Insurance When You Lend Your Car?
What happens to your car insurance when you lend your car to someone? A plain-language look at permissive use, named drivers, and excluded drivers in Canada.
August 13, 2026
6 min read
Wildfire & Weather
How Does a Wildfire Risk Score Affect Home Insurance in Alberta?
How does a wildfire risk score affect home insurance in Alberta? A look at how insurers use these scores to price, renew, and underwrite policies.
August 13, 2026
6 min read
Auto
How Do G1 and G2 Licensing Affect Car Insurance in Ontario?
How does G1 and G2 licensing affect car insurance in Ontario? A look at when a new driver needs a policy of their own, and how the rate reduction rule works.
August 12, 2026
5 min read
Home
What Home Insurance Discounts Do Alarms and Monitoring Earn?
What home insurance discounts do alarms and monitoring earn in Canada? A look at monitored alarm systems, smart devices, and how insurers verify them.
August 12, 2026
6 min read
Business
What Is Product Liability Insurance and Who Needs It?
What is product liability insurance and who needs it? A plain-language look at how it works, what it typically covers, and who carries it in Canada.
August 12, 2026
6 min read
Auto
What Is Classic and Collector Car Insurance in Canada?
What is classic car insurance in Canada? A plain-language look at agreed value coverage, mileage limits, and who typically qualifies for a policy.
August 11, 2026
6 min read
Home
How Do Wood Stoves and Oil Tanks Affect Home Insurance?
How do wood stoves and oil tanks affect home insurance in Canada? A look at WETT inspections, oil tank age limits, and what insurers typically ask for.
August 11, 2026
6 min read
Business
Why Do Landlords Require Tenant's Legal Liability Coverage?
Why do landlords require tenant's legal liability coverage? A plain-language look at this common lease condition, what it typically covers, and excludes.
August 11, 2026
6 min read
Auto
What Is a Facility Association Policy for High-Risk Drivers?
What is a Facility Association policy for high-risk drivers in Canada? A plain-language look at who qualifies, how it works, and what it costs.
August 10, 2026
5 min read
Home
What Is Short-Term Rental Insurance for Airbnb Hosts?
What is short-term rental insurance for Airbnb hosts? A plain-language look at what a standard home policy typically misses and what to tell an insurer.
August 10, 2026
5 min read
Business
What Does an Additional Insured Endorsement Mean?
What does an additional insured endorsement mean? A plain-language look at how it extends coverage to another party and when contracts require one.
August 10, 2026
5 min read
Home
Does Home Insurance Cover a Secondary Suite or Basement Rental?
Does home insurance cover a secondary suite or basement rental in Canada? What typically changes for coverage, premiums, and disclosure to your insurer.
August 9, 2026
6 min read
Auto
What Is the OAP 1 Standard Ontario Auto Policy?
What is the OAP 1 standard Ontario auto policy? A plain-language look at its mandatory sections and how the 2026 accident benefit changes affect it.
August 9, 2026
6 min read
Everyday Living
What Should You Bring to an Insurance Quote in Canada?
What should you bring to an insurance quote in Canada? A checklist of the personal, property, and history details that speed up an accurate quote.
August 9, 2026
6 min read
Home
What Happens to Home Insurance During a Renovation?
What happens to home insurance during a renovation? How standard coverage treats work in progress, when a material change applies, and what to tell a broker.
August 8, 2026
6 min read
Auto
How Do At-Fault Rules Work in Ontario Car Insurance?
How do at-fault rules work in Ontario car insurance? A plain-language look at the Fault Determination Rules and how fault percentages get assigned.
August 8, 2026
5 min read
Business
What Is a Business Owner's Policy or Small Business Package?
What is a business owner's policy or small business package? A plain-language look at what these bundled policies typically combine and who they fit.
August 8, 2026
5 min read
Business
Do Sole Proprietors Need Business Insurance in Canada?
Do sole proprietors need business insurance in Canada? A plain-language look at unlimited liability, common coverage options, and when contracts require it.
August 7, 2026
6 min read
Home
Do You Need Extra Coverage for Jewellery, Art, or Collectibles?
Do you need extra coverage for jewellery, art, or collectibles? How standard home insurance limits valuables and how scheduled coverage works.
August 7, 2026
6 min read
Auto
What Is Gap Insurance When Leasing or Financing a Car?
What is gap insurance when leasing or financing a car? A plain-language look at how it bridges the gap between a payout and a loan or lease balance.
August 7, 2026
6 min read
Auto
How Does Car Insurance Work for New Drivers in Canada?
How does car insurance work for new drivers in Canada? A plain-language look at why rates start high, how licensing stages fit in, and how they typically ease.
August 6, 2026
7 min read
Business
CGL vs. Professional Liability Insurance: The Difference
What is the difference between CGL and professional liability insurance? A look at what each typically covers, and why some businesses carry both.
August 6, 2026
6 min read
Home
Rebuild Cost vs. Market Value in Home Insurance
Rebuild cost vs market value in home insurance: what each figure measures, how insurers calculate a building limit, and why the two rarely match.
August 6, 2026
7 min read
Business
Is Business Insurance Tax Deductible in Canada?
Is business insurance tax deductible in Canada? A plain-language look at which premiums the CRA allows as a business expense, and which do not qualify.
August 5, 2026
6 min read
Auto
What Is Ride-Sharing Insurance for Uber and Lyft Drivers?
Ride-sharing insurance for Uber and Lyft drivers fills the gap between a personal auto policy and a platform's own coverage. Here is how it works.
August 5, 2026
6 min read
Home
What Is Vacant Home Insurance in Canada?
What is vacant home insurance in Canada? A look at how coverage narrows once a home sits empty and what a vacancy endorsement typically covers.
August 5, 2026
6 min read
Business
Do I Need Business Insurance If I Work From Home?
Do I need business insurance if I work from home? A look at what home insurance typically excludes and what a home-based business policy can cover instead.
August 4, 2026
5 min read
Auto
Does Personal Car Insurance Cover Business Use and Deliveries?
Does personal car insurance cover business use and deliveries in Canada? A look at business use classes, delivery driving, and what to ask a broker.
August 4, 2026
5 min read
Home
What Is an Inflation Guard or Building Limit Endorsement?
What is an inflation guard endorsement? A plain-language look at how it adjusts a home's building limit for rising construction costs in Canada.
August 4, 2026
6 min read
Home
Does Home Insurance Change If You Run a Business From Home?
Does home insurance change if you run a business from home? What a standard policy typically covers, what it usually excludes, and why insurers ask to be told.
August 3, 2026
6 min read
Business
What Insurance Do I Need to Start a Business in Canada?
What insurance do I need to start a business in Canada? A practical look at the core coverages new owners typically arrange before opening their doors.
August 3, 2026
6 min read
Auto
Do Winter Tires Lower Your Car Insurance Premium in Canada?
Do winter tires lower your car insurance premium in Canada? A plain-language look at how the discount works, which provinces require it, and how to qualify.
August 3, 2026
6 min read
Home
Comprehensive vs. Named Perils Home Insurance: The Difference
Comprehensive vs named perils home insurance: how coverage scope, cost, and the burden of proof differ, and where each typically fits a Canadian home policy.
August 2, 2026
6 min read
Industry
How Does an Insurance Broker Get Paid in Canada?
How does an insurance broker get paid in Canada? A plain-language look at commissions, fees, and why using a broker rarely costs more out of pocket.
August 2, 2026
6 min read
Auto
What Is Accident Forgiveness and How Does It Work?
What is accident forgiveness and how does it work? A plain-language look at how this optional endorsement protects a premium after a first at-fault claim.
August 2, 2026
5 min read
Auto
How Are Car Insurance Premiums Calculated in Canada?
How are car insurance premiums calculated in Canada? A plain-language look at the driving, vehicle, and coverage factors insurers weigh, and how they interact.
August 1, 2026
6 min read
Business
Is Business Insurance Mandatory in Canada?
Is business insurance mandatory in Canada? A plain-language look at what the law requires, what contracts require in practice, and where the two differ.
August 1, 2026
6 min read
Home
What Is a Home Insurance Deductible and How Does It Work?
What is a home insurance deductible? A plain-language look at how deductibles work, the types you'll see on a Canadian policy, and how to choose one.
August 1, 2026
6 min read
Business
What Is Business Interruption Insurance in Alberta?
What is business interruption insurance in Alberta? A plain-language look at what it typically covers, the period of restoration, and lost income.
July 31, 2026
5 min read
Everyday Living
What Is RV Insurance in Alberta?
What is RV insurance in Alberta? A plain-language look at motorhomes versus towable trailers, what coverage typically includes, and full-time RV use.
July 30, 2026
6 min read
Technology
What Is Cyber Insurance for a Small Business in Alberta?
What is cyber insurance for a small business in Alberta? A plain-language look at what it typically covers, what it costs, and how it differs from CGL.
July 29, 2026
5 min read
Industry
What Is Insurance Underwriting?
What is insurance underwriting? A plain-language look at how insurers assess risk and what factors typically shape home and auto premiums in Alberta.
July 28, 2026
5 min read
Wildfire & Weather
What Is Additional Living Expenses Coverage in Alberta?
What is additional living expenses coverage in Alberta home insurance? A plain-language look at what it typically involves during a wildfire evacuation.
July 27, 2026
6 min read
Auto
What Is SEF 44 Family Protection Coverage in Alberta?
What is SEF 44 family protection coverage in Alberta? A plain-language look at this optional auto endorsement, how it typically works, and where drivers see it.
July 26, 2026
5 min read
Home
What Is Sewer Backup Coverage in Alberta?
What is sewer backup coverage in Alberta? A plain-language look at what it typically involves, backwater valves, and how it differs from overland flood.
July 25, 2026
6 min read
Business
What Is Commercial General Liability Insurance in Alberta?
What is commercial general liability insurance in Alberta? A plain-language look at what CGL is generally designed to address, typical costs, and limits.
July 24, 2026
6 min read
Everyday Living
What Is Travel Health Insurance for Albertans?
What is travel health insurance? A plain-language look at how AHCIP coverage changes outside Alberta, what a typical policy includes, and stability clauses.
July 23, 2026
6 min read
Technology
What Is Usage-Based Car Insurance in Alberta?
What is usage-based car insurance in Alberta? A plain-language look at how telematics tracks driving, what it typically measures, and how discounts work.
July 22, 2026
5 min read
Industry
What Is a Broker of Record Letter in Alberta?
What is a broker of record letter in Alberta? A plain-language look at how it works, what it changes, and how businesses switch insurance brokers.
July 21, 2026
5 min read
Wildfire & Weather
What Is a Hail Deductible in Alberta Home Insurance?
What is a hail deductible in Alberta home insurance? A plain-language look at how it differs from a standard deductible, typical amounts, and how it applies.
July 20, 2026
6 min read
Auto
What Is DCPD in Alberta Car Insurance?
What is DCPD in Alberta car insurance? A plain-language look at direct compensation for property damage, how fault affects it, and what it typically involves.
July 19, 2026
5 min read
Home
Replacement Cost vs. Actual Cash Value: What's the Difference?
Replacement cost vs actual cash value in home insurance: how each is calculated, why the choice matters, and how rebuilding costs factor in.
July 18, 2026
6 min read
Business
What Is a Certificate of Insurance in Alberta?
What is a certificate of insurance in Alberta? A plain-language look at what it shows, how it differs from the policy, and when businesses are asked for one.
July 17, 2026
6 min read
Everyday Living
What Is ATV and Snowmobile Insurance in Alberta?
What is ATV and snowmobile insurance in Alberta? A plain-language look at when it's required and how it differs from car and home insurance.
July 16, 2026
6 min read
Technology
What Is Identity Theft Insurance in Alberta?
What is identity theft insurance in Alberta? A plain-language look at what it typically covers, what it leaves out, and how it's added to a home policy.
July 15, 2026
6 min read
Industry
Insurance Broker vs. Agent: What's the Difference in Alberta?
Insurance broker vs. agent: what's the difference in Alberta? A plain-language look at who each one represents, how they're paid, and how they're licensed.
July 14, 2026
5 min read
Wildfire & Weather
What Is Overland Flood Insurance in Alberta?
What is overland flood insurance in Alberta? A plain-language look at how it differs from sewer backup coverage, what it typically involves, and who offers it.
July 13, 2026
5 min read
Auto
What Does Comprehensive Car Insurance Cover in Alberta?
What does comprehensive car insurance cover in Alberta? A plain-language look at hail, theft, glass, and animal collisions, and how it differs from collision coverage.
July 12, 2026
5 min read
Technology
The New Technologies Quietly Changing Your Insurance
Telematics, aerial imagery, smart sensors, AI claims handling, and parametric coverage. What each one actually does, and how Alberta clients can benefit.
July 11, 2026
4 min read
Everyday Living
Do You Need Tenant Insurance If Your Landlord Has Insurance?
Do you need tenant insurance if your landlord has insurance? What renters insurance covers in Alberta, typical costs, and whether it's legally required.
July 11, 2026
6 min read
Industry
Where the Insurance Industry Is Heading: Five Shifts Alberta Clients Will Feel
Climate losses, auto reform, data-driven pricing, and a changing broker role. The forces reshaping Canadian insurance, and what they mean for your renewal.
July 10, 2026
4 min read
Home
Insuring the Cabin: What Alberta Owners of Seasonal and Vacation Homes Need to Know
Seasonal properties are insured differently than your primary home, and the differences bite hardest at claim time. Vacancy rules, named perils, rentals, and more.
July 8, 2026
4 min read
Wildfire & Weather
Wildfire Season in Alberta: How to Prepare Your Home, Your Family, and Your Policy
Wildfire is now a yearly reality in Alberta. A practical checklist for hardening your property and family plan, plus policy questions worth asking early.
July 7, 2026
4 min read
Business
Protecting Your Small Business: The Coverage Gaps That Catch Alberta Owners Off Guard
Most small businesses carry some insurance. Far fewer carry the right insurance. The gaps that show up most often in Alberta, and the questions worth asking.
July 5, 2026
5 min read