Did you know that if you drive an ATV on public roads, it is mandatory to carry insurance coverage? Not to worry. Whether you’re using your ATV for hunting, fishing, or exploring trails, we have the coverage you need.
If you have a beautiful vintage vehicle that is 25 years or older with collector characteristics that is a limited use vehicle for occasional use and collector car activities, you will want to look at TSG’s Antique / Classic car insurance. The car cannot be your daily vehicle and the appraised value must be less than $150,000.
As a tenant, you don’t own your home, but you do own everything in it (clothes, laptop, jewelry, flat screen, DVDs and more). You’ve invested time and money into furnishing, decorating and possibly even upgrading it. If the unexpected happens, replacing everything without renters insurance could set you back thousands of dollars. Tenant insurance is something you can’t afford to be without. It is similar to homeowner’s insurance, except they do not provide coverage for the building. As a tenant, you determine the amount of insurance — so we suggest you take inventory of all your possessions to ascertain current replacement cost values.
1. Comprehensive which will provide protection of your contents against All Perils except those that are specifically excluded on the policy
2. Broad which will provide protection of your contents against those perils specifically named on the policy
A tenants insurance package will cover your personal property, and personal liability up to $2,000,000 if you choose to purchase that limit. With annual premiums starting as low as $200, there is an affordable package that is just right for you and your situation. Such a small price to pay for huge peace of mind! If you are ready to check out our rates, and purchase your policy, call us now!
Seasonal Dwellings are often insured under a client’s homeowner’s policy as a separate location. Some insurance companies provides only burglar coverage on this policy. Burglary means the unlawful removal of property from premises using visible forcible entry.
Theft is generally not available under seasonal dwelling policy. Vandalism and Glass Breakage could be an optional coverage added on your policy. Also, most insurance companies do not provide coverage for a collapse caused by the weight of snow accumulation on the building, however some insurance companies offer this as an optional coverage that could be added on your policy.
Whether your home-away-from-home is a cozy mountain cabin, cottage on the water, or trailer permanently situated at your favorite camping spot, at The Shepherd Group, we can help you find the right insurance company to protect your investment, even when you’re not there.
Are you a Landlord? If you own less than 4 detached 1 to 4 unit investment properties used for residential purposes, you don’t have to insure them on a Commercial policy. In most circumstances, you can add your Rented Dwellings to your existing personal homeowners insurance policy or purchase a standalone policy to insure them.
Your home is more than just bricks and mortar, it’s a place of refuge, safety and your escape from the hustle and bustle of the everyday world. Home is where the things and people you love become the primary focus. At TSG we know how important your home is to you, and that’s why we go above and beyond to help our clients find insurance that will protect them and give them peace of mind.
You love your condo, love all the amenities, the security and the safety it provides you. It is where you keep your most prized possessions and enjoy the company of friends and loved ones. At TSG, we can help you find a condo insurance policy that fits the needs that are specific to those of a condo unit owner.
If you own a Condo, you are responsible to insure the contents of your unit from the walls in, as well as any improvements or betterments that you may have made to your unit. This policy is similar to the homeowners policy in that there are standard forms, Comprehensive, Broad and Basic or Named Perils however, this coverage is provided only on the contents within your unit.
Condo insurance policies provide no coverage for the building, since this is the responsibility of the condo association or corporation. Two important coverages that are unique to condominium policies are Loss Assessment and Condominium Contingent Coverage.
Although your condo association has coverage on your unit or building, in some instances it may not be enough. In the event of loss or damage to your individual unit, if the condo association’s insurance is insufficient, you, as the unit owner, are responsible for the difference between the amount of damage and the amount available from the building insurance. The contingent coverage addresses this difference.
Following a loss or damage to collectively owned condo property, condo owners may be required to share part of the loss. This would occur if the condo association’s insurance was insufficient. Loss assessment coverage will pay for your share of the loss, up to a specific limit.
If you have more questions about coverage or would like to speak to one of our knowledgeable advisors, you can chat with them live online or call our office. If you have already read all you need to know, Click here and get a quote and purchase your condo insurance immediately online from the comfort of your own home today!
Life Insurance is a legal contract between you and a life insurance company. The contract outlines how much money will be paid to your beneficiaries upon your death, how long the insurance will cover you, and the cost of your premium which is the amount of money you will pay every month to get the insurance.
1. Permanent Life Insurance provides coverage for as long as you live and pays a tax free cash benefit to your beneficiaries. The premiums can be guaranteed for life which means that the premiums will not increase as you age and/or if your health changes. Some Permanent Life Insurance plans allow you to pay for a limited number of years although you will be covered for life.
2. Term Life Insurance is temporary and covers you in case of death for a specified period of time. It pays a tax free cash benefit to your beneficiary. Term Life Insurance provides coverage for one person or you can purchase Joint Term Life Insurance to cover two people who share a joint risk. It offers the lowest initial cost and does offer some degree of flexibility so that you can adjust your insurance as your needs change. These policies may be renewable without providing proof of health; however the cost of the premiums will increase so that they are appropriate to your age at the time of renewal.
Group Life Insurance Benefits play a huge role in providing peace of mind for employees and their families in the event of a tragic death.
There are a few components to Group Life Insurance – Employee Life Insurance, Dependent Life Insurance, Optional Life Insurance, Spousal Life Insurance, and Terminal Illness or Living Benefit.
Employee Life Insurance: Will pay a pre-specified amount in the event of the death of an employee from any cause.
Dependent Life Insurance: Will provide financial protection to an employee if his/her spouse or child dies. The benefit is designed to pay for illness and funeral expenses, not as a replacement for lost future income.
Optional Life Insurance: This is term life insurance that is available in addition to Employee Group Life Insurance, giving plan members the opportunity to add more coverage. By combining Employee Group Life Insurance with Optional Life Insurance a plan member can obtain the amount of coverage that he/she requires in order to provide:
Spousal Life Insurance: Insurance for the spouse of a plan member.
Terminal Illness or Living Benefit: This will advance the plan member 50% of the Group Life Insurance amount upon proof of diagnosis of a terminal illness where a plan member’s life expectancy is 12 months or less.
Accidents can happen, and they unfortunately do, sometimes with severe consequences. However, at The Shepherd Group, we can offer you protection against these unforeseen circumstances – Accidental Death and Dismemberment Insurance. It protects the employee and his/her family against the financial hardship that sudden death or dismemberment can cause. Accidental Death and Dismemberment Insurance provides coverage 24 hours a day, whether the employee is on or off the job.
The benefit paid is based on the dollar amounts assigned to the injury – the more serious the injury the greater the payment.
Accidental Death and Dismemberment Insurance can provide financial security and allow the plan member to make necessary lifestyle changes as a result of an accident.
We understand that there are many medical expenses that are not covered by the current government health care plan. Extended Health Care helps employees and their dependants pay for necessary medical expenses that aren’t covered by OHIP. Each Group Extended Health Care plan can be customized to meet the specific requirements of each organization with a variety of options including: Medical Services and Supplies, Prescription Drug Plans, Vision Coverage, Dental Coverage.
At The Shepherd Group, we have Advisors who can find you the right Group Life Insurance Policy to suit your employees needs. Contact one of our advisors today or phone us at 1.844.249.1700!
Stallion availability insurance provides coverage on the stallion so that in the event he is unable to cover the mare the required number of times to fulfill the barrenness insurance requirements for any reason whatsoever, the investment in the season is protected. This coverage can be incepted at the time the season is purchased, and expires automatically at the end of the breeding season unless specific arrangements are made otherwise.