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5 Reasons to Get Travel Insurance

5 Reasons to Get Travel Insurance
  It’s summertime and you can already picture it – the waves crashing against the sand, the gentle ocean breeze, the cool drink in your hand; you’ve worked hard all year and it’s finally time to go on that vacation. Whether it’s a dreamy beach getaway or a cozy cottage respite, summer tends to be the ideal time to take a break. However, it is...n’t always as simple as booking a flight and taking off – certain precautions need to be taken. That is why we have compiled a list of 5 reasons you should be insured! Listen, we get it. It can be tempting to overlook travel insurance when you’re going away. Despite the horror stories that circulate around, there can be this tendency to think “oh but it wouldn’t happen to me.” Yet to say that the peace of mind that comes with knowing you are covered is worth it is an understatement.   Here are 5 reasons why.   1) Unexpected Emergencies No matter how well you plan your holiday, it just won’t go to plan. It is incredibly common for unexpected events to occur and bring costs up. Emergencies can happen at the drop of a hat – whether it’s family related or work related, not being covered for such an instance can mean thousands of dollars down the drain.   2) Lost Luggage You finally get to your holiday destination and the excitement is ever-growing. You get past immigration and now all you need to do is get your luggage and you’re on your way to a week of sheer relaxation. You wait and wait until it becomes clear that something is wrong. Your luggage isn’t coming. One of the most common pains when travelling is losing luggage and it is important to have coverage so that, even if something is lost, it can be reimbursed by the insurance agency. That way, your vacation can begin regardless of any lost items.   3) Credit Card Theft Alright so you have your luggage, you’re off to your hotel, and the vacation can truly begin. You go out for the first few nights before realizing that the budget you have set for the trip has been eaten up. What happened? You look at your credit card history and realize that you haven’t made half of the purchases that are on there – something is very wrong. Credit cards aren’t typically designed to cover vacations so calling your bank to dispute charges can be an absolute nightmare. Now not only do you have to cancel your card, but all the money you were going to spend during this holiday has disappeared. Travel insurance offers extensive coverage when things such as this go wrong – it’s a small investment that can save you a lot of money down the line.   4) Hospital Bills You’ve gone out, tried the local cuisine, and you’re having a great time. But then you wake up the next morning and realize it was too much too soon – and like many who go on vacation, you’re feeling a little under-the-weather. Without travel insurance, you’re essentially helpless. Remember, despite having great health insurance back home, you aren’t covered on vacation. Something as little as a flu can run up a large hospital bill.   5) Emergency Room Bills The flu has gone away and it’s finally time to go on an adventure. If you’re in a mountainous area, hiking is a popular choice; if you find yourself on the beach, the ocean will inevitably call your name. As fun as these activities are, they present real risks. Accidents can often be unavoidable and injuries occur on a daily basis. Spending even a day in the hospital because of such an injury can mean tens of thousands of dollars lost.   In conclusion, this would have been a nightmare trip without travel insurance. From losing your luggage to getting sick to delayed flights; your next vacation might be years away because of the massive dent this would have caused. On the other hand, a couple hundred bucks spent on travel insurance means that no matter the unexpected occurrences, the trip would still have been enjoyable. It really is a no-brainer. If you’re planning on going on a holiday, contact one of our expert licensed brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak0c21ad71c2502bd9744477c9b50ce5a6').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy0c21ad71c2502bd9744477c9b50ce5a6 = 'better' + '@'; addy0c21ad71c2502bd9744477c9b50ce5a6 = addy0c21ad71c2502bd9744477c9b50ce5a6 + 'hubbardinsurance' + '.' + 'com'; var addy_text0c21ad71c2502bd9744477c9b50ce5a6 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak0c21ad71c2502bd9744477c9b50ce5a6').innerHTML += ''+addy_text0c21ad71c2502bd9744477c9b50ce5a6+''; or call us at 905-696-9090 to make sure your next trip isn’t your last.     Source: Canadian Underwriter. More
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2.9 Million People Left Exposed After Desjardins Leak

2.9 Million People Left Exposed After Desjardins Leak
 The head office of the Caisse Desjardins de Rimouski Photo: Radio-Canada / François Gagnon   It was announced on Thursday by Guy Cormier – president and CEO of Desjardins Group – that improper access by an employee led to the information over 2.7 million individuals and over 170,000 businesses being leaked. Though the Quebec-based organ...ization claims that no passwords, security questions, and PINs were compromised, the leak was still substantial. Names, addresses, birth dates, email addresses, information about banking transaction habits, and social insurance numbers were all part of the leak. This is an unprecedented leak in terms of the sheer volume of people who have had highly confidential information leaked. The federation’s CEO described this leak as an act of betrayal and stated that “it’s a situation we deeply regret.” The data breach was first discovered on June 14 by the Laval Police and it has since become public knowledge. Though experts cannot yet put a dollar value on the total loss expected, the number are speculated to be astronomical. Desjardins is currently offering all those effected a 12-month credit monitoring plan – a service that will provide identity theft insurance amongst other things. The AMF – Quebec’s regulator of financial institutions – described the situation as ‘very serious’ but reassured the public by stating that it is “satisfied with the actions” taken by Desjardins Group as they “have handled the situation with due rigour, transparency, and speed.” This puts into light just how vulnerable each and every organization is to an attack of this nature. This leak was not perpetrated by a cyber-mastermind crime syndicate; it was one employee who got a-hold of information in an improper manner. Furthermore, this is a prime example of why a good business insurance is imperative to businesses of any size. Proper coverage on a business insurance policy can safeguard businesses against employees who commit harmful acts such as the one seen at Desjardins. Do you have the right coverage? Find out by contacting one of our expert licensed brokers today at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakf592754635c061a1f52fc4e685f17bbb').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyf592754635c061a1f52fc4e685f17bbb = 'better' + '@'; addyf592754635c061a1f52fc4e685f17bbb = addyf592754635c061a1f52fc4e685f17bbb + 'hubbardinsurance' + '.' + 'com'; var addy_textf592754635c061a1f52fc4e685f17bbb = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakf592754635c061a1f52fc4e685f17bbb').innerHTML += ''+addy_textf592754635c061a1f52fc4e685f17bbb+''; or simply call at 905-696-9090. More
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The Pride of Hubbard, Part II

The Pride of Hubbard, Part II
  Welcome to part II of our Pride Month series! Last time around, we touched upon the origins of the Pride movement before moving onto a little profile of Karen Fuentes – a broker here at Hubbard. If you haven’t yet, make sure to check it out! It’s a Monday, the weather is doing its best Martin Riggs impression, and I’m making dated Lethal We...apon references. For many, vacations are around the corner as June reaches its halfway mark. However, that also means that we are halfway through Pride Month – and what better time to learn a little bit more about this movement? Have you ever wondered where the rainbow flag comes from? The story behind it is rather interesting. Rainbow flags have been around for ages; however, it wasn’t until 1978 that they first became associated with the Pride movement. Gilbert Baker was born in rural Kansas, served in the US Military, and was an openly gay activist. After an honorable discharge from the military, Gilbert taught himself to sew. In 1974, though, the cogs really began to turn. In 1974, Gilbert Baker met perhaps one of the most historically influential people involved in the early Pride movements – Harvey Milk. It was Harvey Milk who challenged Gilbert to compose a symbol of pride for the LGBTQ community. Three years later, on June 25 1978, the rainbow flag made its debut. The flag itself is composed of 8 colours: Hot pink, red, orange, yellow, green, turquoise, indigo, and violet. These colours were chosen deliberately and each one was assigned a meaning – pink represented sexuality, red represented life, and orange represented healing. Yellow, green, and turquoise represented sunlight, nature, and art respectively. Finally, indigo and violet represented serenity and spirit. However, it wouldn’t be until a few months later that the demands for the flag skyrocketed. November 27, 1978. Dan White – disgruntled by recent events regarding his position on the San Francisco Board of Supervisors – entered City Hall through a basement window so as to avoid metal detectors. There was a press conference ready to take place that day to announce White’s replacement. Harvey Milk was present. Harvey Milk, along with then-Mayor George Moscone, were shot dead in cold blood by Dan White on that day – murders fueled by hate. What followed was a surge in demand for Pride flags as San Francisco prepared for the inevitable aftermath. Pride may have become a celebration of life, it may be vibrant and colourful – but it has a past filled with struggle, agony, and sacrifice. This is why, at Hubbard, we want to make sure these themes are celebrated – not only for those who have sacrificed, but so that their sacrifices in the name of diversity and inclusivity will not be forgotten. One such person who is keen on celebrating these values is Hubbard’s own Maria McCreadie. “I think Pride is a celebration of identity” she said. “We have come so far from the days of segregation and Pride seems to be a celebration of that, a celebration against persecution.” It is indeed true that the celebrations involved in this movement aren’t just limited to identity – but rather an outward expression of joy at being able to live freely without the worry of discrimination. “I had friends growing up who were part of the LGBTQ community and they were not able to be open about their identities until much later on in life,” said Maria. “I think that’s sad.” “It’s sad we live in a world where people are still discriminated against,” she lamented. The Pride movement, though, is not merely beneficial only for those directly involved in it. There is something there for anyone who has faced oppression or discrimination. “As a woman, I’ve had to break through the glass ceiling – it has not been easy.” Seeing these movements around her where other people have struggled just like she has – even if not for the same reasons – has been helpful in getting her to overcome her own obstacles. “We are who we are – we shouldn’t be judged for it. The only thing that should be judged is our merit,” she concluded. Ultimately, that is the goal – that should be the goal for society. To only base opinions off of merit and not race, gender, religion, or sexuality. According to Maria, the future looks bright, “We are on the path to more inclusivity and being more diverse.” However, certain things still need to be paid attention to. “We need to make sure we all make the right decisions and put the right people in power. People who will unite us and not divide us,” she said. The future is especially important to Maria because of her little daughter. “I want my daughter to be who she wants to be and for the world to welcome her regardless of who she is,” she expressed. Finally, Maria concluded, “I hope people going through any kind of struggle don’t give up and stay strong. Don’t look ahead at just the immediate future but also look at the bigger picture – the years ahead.” Diversity and inclusivity are clearly important at Hubbard. From the diverse work-force to the general office culture, these themes are interlaced within the very fabric of the environment. As Pride Month comes to an end, it is important to use this remaining time to push ahead with raising awareness and celebrating progress. There is yet more to come in this series and we hope to offer more insights into the environment at Hubbard all the while celebrating diversity and inclusivity. Stay tuned!       More
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The Pride of Hubbard, Part I

The Pride of Hubbard, Part I
  As we mark the beginning of June and the imminent arrival of summer, it’s a good time to turn the spotlight onto what June has become increasingly known for – Pride. Now, Pride Month is more than just a celebration of lifestyles; in fact, it has a rather dark past.   June 28, 1969. 1:20 A.M. Four plainclothes policemen wearing dark sui...ts, two patrol officers in uniform, Detective Charles Smythe, and Deputy Inspector Seymour Pine announced their arrival at the Stonewall Inn – a known gay bar – by screaming “Police! We’re taking the place!” What followed has since gone down in history. The riots that broke out that night, some 52 years ago at the Stonewall Inn, have had a meteoric impact on the modern day. The sheer amount of violence that was experienced by the members of the LGBTQ community – one that stumbled onto the next night as well – was the basis for the next level of the pride movement. A man named Bob Kohler was walking his dog by the Stonewall Inn that night and he recalled that “I had been in enough riots to know the fun was over … the cops were totally humiliated … the anger was enormous. I mean, they wanted to kill.” Once the chaos of that night subsided, it served as an impetus for future movements. November 2nd of the very same year saw the first proposition for a pride march – to be held in New York City. The rest, as they say, is history. At Hubbard, we pride ourselves on our inclusivity and diversity. An active effort is made by everyone in the organization to make everyone feel included – regardless of race, gender, or sexuality. To celebrate this, we will be doing a little blog series – one where members of the Hubbard team talk about their experiences with Pride and their views on inclusivity and diversity. First up, Karen Fuentes. “I grew up in a really inclusive environment – I learned from an early age not to be prejudiced.” Karen reminisced about her childhood in the Philippines and how growing up with friends of all kinds helped shape her mentality. However, it wasn’t all fun and games. Karen recalls an incident with one of her neighbours. “I had a friend – a neighbour – and he was gay. His father knew this and he used to beat him up.” Knowing her friend was struggling in such a way just because of who he was established her belief that no one should fear who they are – that everyone should be accepted. This is a belief she has carried with her all the way until now. When she first came to Canada, one of her friend’s took her to her first Pride Parade. “It was interesting and fun!” she recalled her experience. “It was so colourful, the floats were great, though I didn’t expect to see so many people without clothes!” Karen laughed. Upon seeing the changes over the past decade, Karen believes that the younger generation is doing it right. She stated that “the new generation is more open on these matters and they don’t have as much prejudice. They are becoming more educated and that’s a good thing.” Ultimately, according to Karen, it comes down to respect. “Diversity and inclusivity – especially in the workplace – is extremely important. Everyone should respect each other. Respect is number 1.” Karen continues to be an important part of the office here at Hubbard and it is no surprise she fits in so well with everyone, especially after the insight she has provided us. Over the coming two weeks, we will bring you more profiles from within Hubbard as we aim to celebrate Pride Month, inclusivity, and diversity. Stay tuned!   More
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Chief Meteorologist Says There is a "Heightened Threat for Flash Flooding."

Chief Meteorologist Says There is a "Heightened Threat for Flash Flooding."
  The weather seems to be at its moody worst this summer – bright and warm one second but a torrential downpour the next. How can you even begin to prepare for these sort of conditions? According to the latest long-range forecast by The Weather Network, conditions this summer will be quite unpredictable – with stark differences to be observed... throughout the country. Chief Meteorologist Chris Scott predicts that the wet weather experienced in Ontario during the month of May will continue during the summer months. Flash flooding will likely be an increasing worry for many residents if that turns out to be true. He further states that the southern part of the region especially will experience heavy periods of rains – exceeding the average precipitation levels for the area. It turns out this might be a summer of raincoats and umbrellas rather than one of patio drinks and beachwear. According to Scott, the persistence of the wet weather throughout the summer months will mean a “heightened threat for flash flooding.” Flash flooding is especially dangerous because of how sudden and treacherous it can be – things can go from pleasant to destructive in the blink of an eye.  Furthermore, Scott pointed to extreme weather conditions such as the Toronto flood in July 2013 and the Burlington flood that occurred a year later as examples of the kind of weather that can be expected this summer. This means that this summer especially will be a time to ensure that your coverage is not only relevant but comprehensive. For many people, it is no longer a case of if they will need their coverage but rather one of when they will need it. As the summer rolls in, flooding emergencies continue to pop up – despite the receding levels of water in parts of Ontario’s cottage country. One such area that is expected to be hit with this weather is Muskoka – with increased water-levels already in lakes Rosseau and Joseph. Though Ontario will provide disaster recovery assistance for residents that live in the Muskoka region, victims of flooding are being warned about the risk of mould. To regular readers of this blog, this will come as no surprise as we recently covered this topic. It is important now, more than ever, to safeguard your property against water-damage. If you would like more information about how to properly protect your property from flooding and water-damage, contact one of our licensed brokers now at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak340b20abec95fea85883f9bbf2a17bfc').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy340b20abec95fea85883f9bbf2a17bfc = 'better' + '@'; addy340b20abec95fea85883f9bbf2a17bfc = addy340b20abec95fea85883f9bbf2a17bfc + 'hubbardinsurance' + '.' + 'com'; var addy_text340b20abec95fea85883f9bbf2a17bfc = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak340b20abec95fea85883f9bbf2a17bfc').innerHTML += ''+addy_text340b20abec95fea85883f9bbf2a17bfc+''; or call us at 905-696-9090.   Sources: Canadian Underwriter, The Weather Network More
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