Insurable Interest Canadian Insurance Blog

Belleville, ON (June 9, 2025) – RRJ Insurance Group Ltd, o/a KRGinsure, is pleased to announce that Desroches, Visser Insurance Brokers, located in Mississauga, Ontario, has joined our organization. This addition will enable the Desroches, Visser team to support their loyal client base by bringing expanded capabilities, additional markets, digital connectivity and market support. Desroches, Visser Insurance Brokers is a third-generation brokerage out of Mississauga servicing a loyal client base for 70+ years. The ever-changing insurance landscape, along with the evolving risk environment and fast pace of technological advancements, led to the decision to team up with a larger brokerage in KRGinsure. “The added support for our existing team, additional insurance markets and offerings for clients, along with expertise available with the RRJ Insurance Group Limited team allowed me to make this decision with ease,” said Desroche Visser’s owner, BJ Visser. Andrew Godden, Vice President of Sales at KRGinsure confirmed this amalgamation supports the organization’s continued growth strategy and strengthens its presence in Southern Ontario. “Known for its decades-long commitment to client service in Mississauga and the surrounding communities, the team at Desroches, Visser share the same core values as KRGinsure with their emphasis on relationships and being solution-providers to...

By Joseph D’Souza, Founder & CEO, ProNavigator — Most insurance organizations have highly experienced & tenured staff. In areas such as claims and underwriting, these people have developed an innate wisdom that drives their success. But that wisdom is often NOT documented anywhere – much of it is instinctual. This article focuses on how to retain that knowledge and use technology to capture, manage and share that knowledge across your organization. Greta The Super Underwriter Greta is the affectionate term we use to describe that one super-productive employee. The problem with Greta is NOT Greta. The problem is that what Greta knows is not documented. In this article Greta is an Underwriter, and the even bigger problem we often see, is that even Greta is not fully aware of exactly how she does it. Her decades of wisdom is ingrained in her mind and has become instinctual. Greta produces great results. She has a large network, she is able to build a steady pipeline of activity in all market types. She knows how to maintain that pipeline even when she needs to say no a lot! Brokers & agents count on her to be a source of knowledge. But there is...

McDougall Insurance enters Atlantic Canada market with latest deal Belleville, ON (June 5, 2025) – McDougall Insurance Brokers Limited is excited to announce our successful combination with Keyes Insurance Brokerage Limited in Halifax, Nova Scotia. Keyes is McDougall’s first Atlantic Canadian office, and represents a significant moment for our organization’s national ambitions. Keyes is a multi-generational family brokerage that has established itself over 45 years as a premier Halifax business and will seamlessly fit into McDougall Insurance’s culture. We are delighted to welcome them to the McDougall family. With a shared commitment to putting customers first, this deal elevates our ability to serve our collective communities, clients and staff. “We have always grown by partnering with insurance brokerages across Canada that share our core values,” said Ross McDougall, CEO of McDougall Insurance, “Keyes fits that bill perfectly. Their family roots, commitment to exceptional customer service, and dedication to their community align seamlessly with how we operate. They are the perfect partner to bring what we do to Halifax, Nova Scotia, and Atlantic Canada.” McDougall is also pleased to announce that Shaun Keyes, President of Keyes, will retain his role at his family business while taking on the additional responsibility of...

Surrey, BC (May 28, 2025) – Westland Insurance is sharing advice for Canadian property owners considering renting out a cottage or cabin this summer. Whether it’s a week here and there or a full season on Airbnb, it’s a great way to earn extra income. But before the first guest arrives, there’s something important you might not know: Most standard cottage insurance policies don’t automatically include short-term rental coverage. Here’s what you need to know to avoid surprises and protect your property and peace of mind. Why Standard Cottage Insurance May Not Be Enough If your vacation home is insured as a personal-use property, that coverage typically doesn’t extend to short-term rentals, especially not those listed on platforms like Airbnb, VRBO, or Booking.com. Common risks not covered under a standard policy: Guest-cause property damage Liability if a guest gets injured Theft or vandalism Loss of rental income after a claim Without proper coverage, you could be on the hook for costs your policy won’t pay out, just because you didn’t notify your provider about the rental. Occasional vs. Frequent Rentals: Why It Matters Insurers look at how often and how formally you rent out your cottage or cabin. Occasional Rentals: A...