Friday, November 25, 2016

Condominium owners insurance, Tenant insurance and Auto insurance in Bloor Yorkville area, Toronto

If you have condominium insurance, tenant insurance or auto car insurance in Yorkville Bloor area of Toronto, and are looking for an insurance broker that has contracts with RSA, Aviva, Economical, Gore and Intact, please contact us.


We are happy to help you fulfill your insurance need. 

Bridges International Insurance Services

Wednesday, November 9, 2016

Toronto Spas and Salons Insurance

Every year, a new trend pops up in the spa and salon industry that can cause hard to get coverage.  Be assured that we can adapt with those changes.

We offer a comprehensive general liability and property package including crime to make sure all your risk exposures and covered. We are able to handle a small in-house operation to a large chain.

Spa and Salon operations considered:
  • Manicures and Pedicures
  • Eyebrow/Eyelash Tinting
  • Eyelash Extensions
  • Beauty Schools
  • Chemical Peels
  • Laser Hair Removal
  • Waxing/Sugaring
  • Hairstylists/Barbers
  • Tanning Booths and Saunas
  • Teeth Whitening
  • Spray Tanning
  • Facials
  • Micro Needing
  • Micro Blading
  • And more...
The program provides
  • Options for $2,000,000 or $5,000,000 CGL
  • $2,000,000 Errors and Omissions Coverage
  • $1,000,000 Tenants Legal Liability
  • $1,000,000 Employer's Legal Liability
  • $1,000,000 Employee Benefits Liability
  • $1,000,000 Sexual Misconduct and Molestation (Claim Made)
  • Participant Coverage
  • Property Coverage Available

Saturday, November 5, 2016

Toronto - 5 ways to cut the cost of small business owners' automobile insurance

Margins are often tight for small business owners and finding ways to cut costs is essential. For organizations who require automobile insurance, there are many effective ways to save cash and avoid the unnecessary consequences of collisions. From driver selection to risk management, most businesses requiring auto coverage have potential to reduce collision frequency and, ultimately, lower their insurance costs.

Mandip Hullait Director, Commercial Auto, RSA Canada shares her top 5 suggestions of how small business owners can cut the cost of their automobile insurance.

Driver screening
“It’s a good idea to take extra time to screen your drivers, such as checking accident history, conviction record, number of years licensed and continuous driving experience on similar types of vehicles in Canada or US,” says Hullait. “It’s also imperative to make sure the driver has the appropriate class of license required to operate the type of vehicle.”

Tweaking your coverage

Adjusting your policy to fit your specific business needs - with help from your broker - could be a move that creates some significant savings. “Increasing your physical damage deductibles could definitely help lower your premium,” Hullait says. “Also, in some situations it’s worth removing collision coverage from older model vehicles as their values significantly depreciate.”
Hire drivers with proven experience

“Hiring experienced drivers is the first step to maximizing the success of your business,” Hullait says. “Formal guidelines are a necessity to establish acceptable driving qualifications for any employee who regularly drives company vehicles. Also, conviction free drivers are entitled to a discounted rate.  Those drivers with two or more minor convictions are subject to a rate surcharge, so careful driver selection and monitoring drivers on an ongoing basis will continue to help save premium dollars!” 

Loyalty to insurer
In today’s competitive market, small business owners may feel the need to shop for a better price at renewal.  To save you time and money, most insurers want to work with you by rewarding your loyalty.  The longer you stay with your insurance provider, the higher the loyalty discount with them.
Multiple lines of insurance coverage with one insurer

Time is precious when you own a small business.  Business owners with multiple insurance needs who place both their automobile and property casualty insurance with one carrier are often entitled to a Multi-line Discount.  This saves valuable time, money and not to mention the convenience of dealing with the same insurer.

For more information on loss prevention measures that small business owners can take to reduce their insurance costs, visit

Bridges International Insurance Services