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The One Big Reason You Need Personal Umbrella Coverage

The One Big Reason You Need Personal Umbrella Coverage
When insurance is mandatory and straightforward, it’s pretty easy to buy into. This is why auto, home, and health insurance are as popular as they are. They all make sense – if something happens to your car, home, or body and mind, then you will be covered. Yet, there is another kind of insurance that makes just as much sense – if not more – than ...the aforementioned three; but it seems to be lacking in popularity. Is this an awareness issue? Is it just too complicated? The type of insurance we’re talking about is called Personal Umbrella Coverage. Long story short, this type of policy offers more coverage for less money. Sounds pretty awesome, right? So, what is personal umbrella coverage? Essentially, it is a type of extra liability insurance that goes above and beyond the limits of a typical home and/or auto policy. This policy offers protection against lost income and legal fees associated with claims – in some cases, even for incidents outside of Canada. It is, at its core, a way to protect your savings and assets – it acts as a failsafe when everything else goes wrong. And something is bound to go wrong. Why, then, is it not as popular amongst people? One major reason is that there is a prevalent attitude of “oh, it wouldn’t happen to me” in modern society. Except, it is more likely to happen to you than you may realise. Take auto insurance as an example. It would be unthinkable to drive around without insurance – even if it wasn’t mandatory. As discussed in a previous blog, the roads are getting more dangerous and premiums are definitely on the rise for a multitude of reasons. In fact, there are over 160,000 accidents that occur on a yearly basis in Canada. Now, what if instead of 160,000 accidents occurring, over 625,000 occurred? That is the number of active lawsuits in Canada since 2017/2018. Yes, you read that right – there are, as recent figures suggest, 625,181 active lawsuits currently in Canada. That’s 1,713 lawsuits every day – 71 every hour. Immediately, it becomes clear that coverage against losses incurred from a lawsuit might be more necessary than first thought. The even bigger worry is that trends point towards increasing lawsuits being filed as the years go on. 2014 saw 596,000 lawsuits – and there has since been an increase every year until the latest figures were released. Five straight years of increased lawsuits puts into numbers what many have already noticed – society is becoming more sue-happy by the day. One of the major contributors for this is social media. It has never been easier to accuse someone of libel, slander, or breach of privacy and these are no longer just idle threats. Whether someone is going after you with malicious intent, or if you made a mistake, or even if it was all a misunderstanding – the bottom line is that you are at risk. Another contributing factor has been hosting events. Whilst throwing a party seems like a fun, harmless act, the reality is that there is an increase in lawsuits arising from such situations. Alcohol is often at the centre of these events and once pets, children, or even strangers get involved – it can be a recipe for disaster. Lastly, personal umbrella coverage is also incredibly useful as an add-on to auto insurance. A lot of the time, base policy limits are low and are insufficient to cover long-term care and loss of future income. Claim payouts get eaten up quickly and then things become desperate. On the other hand, being the liable party in this scenario is just as destructive – the losses incurred are often astronomical. Having personal umbrella coverage, though, can offer a great deal of protection against any such situation. Don’t wait, contact one of our licensed brokers to find out how you can benefit from personal umbrella coverage. Email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak692480f927a48a80eb8881d62ca85265').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy692480f927a48a80eb8881d62ca85265 = 'better' + '@'; addy692480f927a48a80eb8881d62ca85265 = addy692480f927a48a80eb8881d62ca85265 + 'hubbardinsurance' + '.' + 'com'; var addy_text692480f927a48a80eb8881d62ca85265 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak692480f927a48a80eb8881d62ca85265').innerHTML += ''+addy_text692480f927a48a80eb8881d62ca85265+''; or simply call us at 905-696-9090. Why not obtain more coverage for less money?     Source: Canadian Underwriter. More
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Why Car Insurance Premiums Are Rising

Why Car Insurance Premiums Are Rising
After the First World War, cars began inundating urban areas. More often than not, these cars were relatively fast and quite dangerous – with almost no mind being paid to safety features. With the auto industry barely in its adolescence, it is no wonder that regulations were nonexistent. A lot of the time, this meant that those who were the victim...s of auto accidents didn’t receive any compensation. It wasn’t until 1930 when the United Kingdom became the first country to implement a compulsory car insurance policy that things started to change. In the beginning, vehicle owners only had to be insured for their liability for death or injury to third parties. As time went on, though, other countries began following suit with Germany the next place to implement such a policy. With time, coverages became more comprehensive and regulations became more nuanced. From a purely logical standpoint, one would expect insurance premiums to be going down because of all these regulatory changes. After all, these regulations have had an immense impact on the auto industry. Cars today are far more sophisticated than their older counterparts; with science and technology intertwining to bring about some marvelous progress. Whereas cars before were essentially metal coffins with wheels, barely functioning brakes, and an engine; the modern age has brought with it a refined sense of purpose. Nowadays, a car without airbags and seatbelts cannot be bought. Moreover, new features seem to be implemented on a consistent basis to make sure that the driving experience is a safe and enjoyable one. Everything from crumple zones (which make sure a person can be extracted from a car after an accident) to lane-changing sensors to automatic brakes – driving is becoming increasingly automated and that means cars are safer today than ever before. Yet, in 2017, the insurance industry paid out over $12 billion in claims – a number just shy of 2016’s record high. Worryingly, this was not a one-off. In fact, claim payments went up for six straight years from 2011 to 2016. Even worse, these figures are just for private passenger vehicles – when auto insurance for business and commercial use is taken into account, the numbers are even higher. The increase in claim pay outs (in both volume and price) results in higher premiums – that is the very basic concept of insurance. If you have an accident, your premium increases. The issue now seems to be that claims are increasing despite the fact that cars are safer. This is for a couple reasons. First, technology comes at a price. The fact that cars today come packed with all these safety features also means that they are more expensive to repair. Fixing a headlight is no longer just about taking off the cover and replacing a bulb – some of the costs for replacing a headlight can be over $1,000 because of the kind of light-source that is used. Similarly, the technology infused into the bodywork of a car – along with the multitude of sensors on and in it – means that there really is no such thing as a simple repair anymore. Bumpers and fenders tend to be the parts most frequently changed on a car in relation to an accident. Whereas these repairs would’ve cost a couple hundred bucks a decade ago, they can now run up costs in the thousands of dollars. The second reason for increasing premiums, and perhaps more worryingly, seems to be that we are just becoming worse drivers as a result of all this technology. Distracted driving has become a real issue in Canada with an extremely large portion of all accidents being attributed to people either texting and driving or using their phones in some manner. The problem with technology making cars so much safer seems to be that an increasing number of drivers feel like they can slack behind the wheel. There is an over-reliance on technology and automation to prevent accidents when that is not currently their job. The current level of technology in a modern car is enough to help avoid accidents and aid in safety if an accident occurs. This still requires a fully attentive driver. No amount of lane-changing sensors and automatic braking will reduce accidents if those behind the wheel continue to be distracted. Perhaps when car automation has been fully fleshed out, we will be able to relax behind the wheel. However, until then, premiums will continue to rise if we don’t all become better drivers. Yes, car parts are more expensive – technology in general tends to be expensive. It may seem that this push towards further technological advancement is not cost-effective – and, in the current environment, it isn’t. But it is up to us to change that environment. It is up to us to educate those around us and to make sure we are driving smartly following the rules of the road and not placing anyone at risk. Once these things become the norm and accident rates decrease, your insurance premiums will too. To discuss your car insurance further, contact one of our licensed brokers today at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak6d6b1c9f3c64a4f90977a887867b2922').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy6d6b1c9f3c64a4f90977a887867b2922 = 'better' + '@'; addy6d6b1c9f3c64a4f90977a887867b2922 = addy6d6b1c9f3c64a4f90977a887867b2922 + 'hubbardinsurance' + '.' + 'com'; var addy_text6d6b1c9f3c64a4f90977a887867b2922 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak6d6b1c9f3c64a4f90977a887867b2922').innerHTML += ''+addy_text6d6b1c9f3c64a4f90977a887867b2922+''; or call us at 905-696-9090.     Source: CBC. More
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Car Crashes Into House

  Yes. That is a picture of a car stuck sideways in a house. This happened on July 7th in Mississauga when a driver crashed his car into a house in the area of Tenth Line West and Rose Ridge Crescent near Tacc Drive. Luckily, no one was hurt in this incident – but it is a representation of the increasing amount of car accidents in recent year...s. According to investigators, one car cut another one off sending it flying into the side of the house. If that wasn’t surprising enough, it wasn’t even the only time a car hit a house that day. Earlier in the day, a Toyota Corolla struck a house in Etobicoke. On the surface, this may seem like an anomaly. However, upon further consideration, it does seem as if the roads are becoming increasingly dangerous. According to a recent report, over 160,000 car accidents occur every single year – of which 2,900 lead to deaths. To put this into perspective, that means 438 accidents happen on a daily basis and almost 56 people lose their lives every week. Why are there so many accidents? There are a few reasons. Firstly, it is extremely unfortunate, but Canada remains the leading developed country in terms of drunk driving deaths. The agonizing thing about this statistic is that most people not only are aware that driving while impaired is dangerous, but they also hold the same point of view. Yet a lot of people still do it. Secondly, technology is on the rise and therefore distracted driving-related incidents are following suit. Accidents relating to drivers being distracted by their phones, for example, have risen significantly in the past 5 years. With technology becoming more addictive and prevalent in every-day life, there is nothing to suggest that these accidents will decrease. Perhaps the most surprising thing, though, is the timing of these accidents. According to preliminary statistics provided by the Ministry of Transportation, accidents and accident-related deaths see a massive spike from the months of May to October. Despite the largely accepted notion that more accidents happen in the winter, statistics tell an entirely different story. In fact, according to this report, the month with the least number of accidents and deaths was December. What this means, then, is that the summer time has become an increasingly dangerous time for driving. It might be that, since the roads are clear, people are driving with overconfidence; or it could be that impaired driving increases in the summer months. Whatever it may be, the numbers don’t lie. With this data, we now know that this time period is the one to be most wary in. Make sure you are protected and have the right coverage by speaking to one of our licensed brokers at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak4fb52d0ab1016250e2cac1cc368db9de').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy4fb52d0ab1016250e2cac1cc368db9de = 'better' + '@'; addy4fb52d0ab1016250e2cac1cc368db9de = addy4fb52d0ab1016250e2cac1cc368db9de + 'hubbardinsurance' + '.' + 'com'; var addy_text4fb52d0ab1016250e2cac1cc368db9de = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak4fb52d0ab1016250e2cac1cc368db9de').innerHTML += ''+addy_text4fb52d0ab1016250e2cac1cc368db9de+''; or simply call 905-696-9090. More
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Climate Change is Worse Than You Think

Climate Change is Worse Than You Think
If it seems like weather forecasts are becoming decreasingly accurate and increasingly speculative – well, that’s because they are. Experts use present-day climate models to predict how severe the weather will be in the future; except those predictions are becoming inaccurate because of the destabilisation of weather that has been observed across ...the world. The scary part here is that the volatile temperatures and climate shifts we face isn’t even the worst part. It’s one thing to be able to predict, track, and account for these changes. However, if those predictions become unreliable, we cannot truly prepare for those shifts. That, then, is where the real danger lies. If apocalyptic weather is on its way, you want to be prepared for it at the very least. This uncertainty around it is exacerbated by the fact that it is entirely one-sided. When experts get their estimations wrong, it is almost always because they have underestimated the severity of what was to come. Here is how the prediction process works. As with all scientific experiments, there is a “control” and then there is the variable change. Traditionally, experts were able to use a control model – one that does not account for climate change – to test for how often severe weather would occur. This control would then by compared to a similar model that accounts for climate change. Through this comparison, then, scientists were able to account for the increase in severe weather – it was trackable. This meant that this information could not only be used for purposes of public safety but also for further research on how to tone down these effects. That, though, is no longer the case. Despite still using this model, the accuracy of its results are now falling. The reason for this seems to be that, despite accounting for climate change, recent weather patterns have become so erratic that they are throwing off the entire model. At this point, the obvious question is “well why not overestimate in the model to compensate?” Unfortunately, it isn’t that simple. These models and mechanics are incredibly complicated – using depictions of jet streams to measure amplitude. However, current generation models don’t have the capacity to account for the severity we are seeing right now. Yes, that means exactly what it sounds like. Climate change is now at the point where our current climate models don’t have the capacity to predict the severity of weather. This is why simple things such as using the weather app on your phone is not as accurate as it used to be. Moreover, this is why natural disasters are now occurring at a scary pace and we aren’t able to predict or deal with them. A lot has been made about climate change. Some deny it, others think it might be overstated. The fact of the matter is, though, that it is worse than feared. Furthermore, it is going to keep getting worse if massive changes aren’t made and we will lose further capabilities to predict what will happen next. When it comes to the Insurance Industry, climate change has a direct impact. Managing risk is the name of the game yet risk becomes unmanageable if even the weather cannot be predicted accurately. This has an effect on everything – from your car to your home to your business. Your next vacation may even be affected. To learn more about how to stay protected, contact one of our licensed brokers at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakb2e514dcb17dfa2cf8e3f58379ee5108').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyb2e514dcb17dfa2cf8e3f58379ee5108 = 'better' + '@'; addyb2e514dcb17dfa2cf8e3f58379ee5108 = addyb2e514dcb17dfa2cf8e3f58379ee5108 + 'hubbardinsurance' + '.' + 'com'; var addy_textb2e514dcb17dfa2cf8e3f58379ee5108 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakb2e514dcb17dfa2cf8e3f58379ee5108').innerHTML += ''+addy_textb2e514dcb17dfa2cf8e3f58379ee5108+''; or call us today at 905-696-9090. Let us help keep you safe.     Source: Canadian Underwriter. More
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The Pride of Hubbard, The End.

The Pride of Hubbard, The End.
The sun is shining its brightest best, grills across the country are being fired up, and normalcy is slowly making a return. In the words of the legendary Nina Simone, “I’m feelin’ good.’ Welcome to the final part of our Pride series. In previous iterations, we have covered the origins of the Pride Parade as well as the origin of the Pride flag it...self. One thing that has become abundantly clear, then, is that the road to Pride is full of immense struggle, sacrifice, and sheer willpower. Yet, the focus on most LGBT+ history tends to be on the movements in the United States. Canada, though, has its own rich – if not morbid – history. Much like in the United States, LGBT+ movements didn’t truly start gaining momentum until the late 1960s. However, it wasn’t until 1981 when the movement kicked into high gear. February 5th, 1981. Patrons of four bathhouses in downtown Toronto were going about their daily activities as if it were a normal day. Except, on this day, 200 police officers were coordinating raids on these establishments – “Operation Soap”. The police force had spent six months undercover and found what they deemed to be “indecent acts” at each of these establishments. After a day of raiding, over 300 men were arrested. Yet, as many expected, the vast majority of these cases were thrown out. The objective of these raids became clear – the police knew that the charges wouldn’t stick in the long-run, but it was the ideal way to strike fear into individuals and deter them from engaging in such a lifestyle. These raids would go on for years and years to come – with a major one occurring in Toronto in the year 2000 during a women-only event. As with most previous raids, charges were dismissed. However, there was one difference this time around. After the raid in 2000, a lawsuit was filed against the Toronto police. This eventually led to the development of training programs on how to interact with the LGBT+ community. The relationship between the Pride movement and law enforcement, then, was strained for decades upon decades. All the way from the 1960s when people identifying as part of these movements were categorized as “sexual psychopaths” to the raids that occurred into this millennium – it is no wonder that the relationship was strenuous at best. Things, though, are improving. Since the 2010s especially, the movement and its focus has become more nuanced – something that has only been possible due to the multitude of small battles that have been won along the way in regards to rights. One such individual who has seen these changes throughout the years is Hubbard’s very own, John Hubbard. I sat down with him to get his perspective on the matter.  “Pride brings together communities and that’s what I love about it. Communities are the cornerstone of our society and, together, they have immense strength,” he said. The idea of community and togetherness is clearly very important to John. He added that “I have always been emotionally moved by camaraderie, fellowship, and stories of people helping each other – these things are all good for the soul.” This mindset, though, didn’t come about spontaneously. A major contributing factor to this was his upbringing – one that focused on being inclusive and diverse.  “I was lucky enough to grow up in a progressive environment – I had friends who were gay, even an uncle; it was very normal for me,” he concluded. It does make you think. The pattern seems to be that those who grow up in accepting, progressive environments end up having these values ingrained in themselves as they mature. To this point, John said “occasionally you do meet ignorant people – and ignorance is always at the heart of discrimination. Whether it’s discrimination against race, religion, gender, or sexuality; ignorance is the foundation of it.” Education, then, is crucial when it comes to opening eyes and minds alike. Yet there are many forms of education. Whose responsibility should it be? Is there a standard that we should all be living up to? “The only way to end discrimination is to educate. I believe a combination of social and institutional education is important,” he claimed. “Education starts at home,” continued John. “Biases get developed at home and that leads to further discrimination. We have a responsibility as parents, as a community, to ensure we are being good role models for future generations.” This focus on education has its basis in a few different things. There is obviously the responsibility to educate those around us on the severity of issues regarding discrimination; but there is also a more intricate aspect that sometimes gets lost. “If a kid hears “locker room talk”, that will eventually lead to some form of discrimination – whether that is against the LGBT+ community or violence against women,” John said. One moment that struck out to him in particular was a visit to a university. John recalled, “I was doing a tour of a university and saw this poster on a door. It had a bunch of words on it and it really made a good point of stating that we shouldn’t use “gay” as a derogative of other things. I thought it was a great way to illustrate that point.”     There, then, lies the nuance. It is within the very language we speak – the commonplace words used on a daily basis. It wasn’t long ago where anything even remotely subpar was dismissed as being “gay”. More often than not, this dismissal had nothing to do with sexuality – yet the assertion that anything that wasn’t liked was “gay” provided a dangerous precedent. Language evolves organically and it is that organic change that is the most sustainable. However, while organic change can take generations to fully come to fruition, it seems there has been an enlightenment in the past decade. This change, then, has been a team effort. “Helping people is powerful. Togetherness is powerful,” John concluded. These changes have followed suit to the workplace. As the President of the company, John is all-too-familiar with the different complexities that go into building a healthy work environment. A multitude of things need to be taken into consideration when building the right company culture. “I like diversity,” he said. “I like it when people don’t take themselves too seriously, and you need to have that understanding of different cultures and lifestyles. It brings more flavour – as seen in our potlucks!” he joked. This diversity – and the inclusive environment resulting from it – is not an accident. According to John, “especially in business, it is crazy not to have a workforce that accurately represents the diversity in society.” Eventually, it all comes down to having a conversation. Without conversing, ideas won’t get shared and bliss will continue to befall those who are ignorant. “It is key to talk to people. Whether it’s with friends, family, confidantes – the best way to deal with a struggle is to open up and talk about it,” John said in closing. Whether you are the one who is struggling through something or you’re someone who can see another’s struggle, a conversation must be had – it is imperative. To process thoughts and emotions is to address them and to speak to them. Even if the desired support isn’t always available, just by virtue of verbalising such thoughts means there is a chance at progression. In the end, if we aren’t working towards a more inclusive, more positive finality then what are we working towards? More
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