By Elisabeth Axiak Simply put, reinsurance is the way your insurance company protects itself. By sharing risks (we learned about risks in our topic on underwriting), the insurance company can become more stable, secure, and financially strong. In case of really big losses (think Fort McMurray), the losses are shared amongst reinsurance companies around the […]
By Elisabeth Axiak Every year, you’ll receive a declaration page, or insurance summary document, from your insurance company. This is also known as a “dec page”, and it holds all of the information you’ll need to know about your personal insurance policies.
By Elisabeth Axiak The whole goal of Halwell U is to make insurance both less mysterious and more fun for people. If you hold an insurance policy, but don’t know the lingo, the ins and outs, or the details of anything insurance-related, this is for you.
By Elisabeth Axiak Now, that title sounds pretty scary, but it’s true. Today, we will explore five things in your home that, under certain circumstances, can explode and cause severe damage to your home. But don’t worry, we won’t leave you hanging – we will tell you how to prevent these things from happening as […]
By Elisabeth Axiak There are a lot of contracts in our lives that we don’t read through. It’s pretty safe to say that no one on earth has read through the “Terms and Conditions” of their smartphone’s latest update. But, this week’s topic is focused on convincing you that your policy wordings are definitely not something […]
By Elisabeth Axiak Auto insurance is mandatory in Ontario – it’s the law. And since every motorist in Ontario should hold an insurance policy (that’s almost 11 million, according to IBC), it’s surprising how many people know so little about it! That’s where we come in. We want you to know all about auto insurance […]
By Elisabeth Axiak The insurance industry has 2 unique departments not seen in other industries – underwriting and claims. While of course we still have team members working in accounting, HR, marketing, reception, and more, underwriting and claims make up much of our staff. They are counterparts that keep our company going and keep […]
By Elisabeth Axiak Insurance companies don’t sell policies – they sell peace of mind. While we hope that you’ll never be in an auto accident or get any damage to your home or business, our main goal as your insurance provider is to be there to help you if it does happen. This week, the […]
Dropping temperatures and harsh weather conditions can be a pain for getting around, but can also cost you a lot of money in energy bills. By following a few simple steps, you can cut down on energy use and save money this winter. Purchase good blinds that help keep the cold out of your home […]
By Elisabeth Axiak So, you need insurance for your car, home, or business, but you don’t know where to start or who to talk to? You’ve come to the right place. There are two main people you can buy insurance from: insurance brokers and insurance agents.