Don't Be Distracted While Driving

Written by on 3/7/2018 9:38 AM in , , , , , , . It has 0 Comments.

In today’s society it is becoming easier to be distracted while driving. Busy lifestyles mean we are always on the go and trying to manage our time can be difficult. There are times and places where this is acceptable. Operating a vehicle is not one of them! More and more we see drivers partaking in bad habits while driving. Distracted driving is a increasing issue. Not concentrating properly can cause you to make mistakes, miss your turn off, not see ahead and cause  fatal accidents. Some activities that contribute to distracted driving  include: Eating or drinking Texting Reading Personal grooming Reaching for an item Smoking Allowing pets on lap Changing songs/music Trying to calm an upset child/help them with something What can you do to avoid being distracted while driving? Be smart and aware! Stop to eat and drink or make sure you have had something before you go. Turn your phone off or on silent and don’t reach for it. There ...


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What's your Deductible??

Written by on 2/27/2018 5:19 AM in , , , , , , , , . It has 0 Comments.

Deductible options are used in  both auto and home insurance. Many insurance companies have set deductible options. When choosing your collision and comprehensive deductible your insurance broker should advise what options are available. For example: $1000, $500, $250 and $100. The higher the deductible the lower the premium. Depending on the overall rating, increasing or decreasing the deductible may not change the premium by a large spread. In other cases it can alter the premium enough to make a difference. The same applies to home insurance. Due to rising claims, some companies have set minimum deductibles for collision, comprehensive and home insurance. Picking your deductible should be based not only on how it effects the cost of your policy but also what you can afford if you were to have a claim. If you want  a $1000 collison deductible in order to bring down your annual premium, you need to be able to pay $1000 out of pocket if you were to have an at fault collision claim. Check w ...


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Contents and Tenants Insurance...Why it's something you need!!

Written by on 2/21/2018 5:45 AM in , , , , , , . It has 0 Comments.

On a regular basis people are obtaining coverage for their vehicles. People are required to put collision and comprehensive if they have a loan for their vehicle, others choose to protect their investment even when not required. Meanwhile so many people are refusing to protect their belongings. Contents, also known as tenants insurance can help! Regularly we hear, "I don't need contents insurance, I'm not worried about something happening." The unfortunate fact is - losses happen all the time. Fire, smoke damage, thefts are a few of the common claims that happen to renters. You cannot always control claims from happening especially when you live in a rented home or apartment. We also hear, "I don't need contents insurance I don't have many belongings." A lot of renters do not understand the worth of their contents. The truth is most people only think about the big things - television, couch, chair & computer. There are so many items to consider. A broker should remind you of the things you don't thi ...


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Beat the Winter Blues!

Written by on 2/7/2018 9:22 AM in , , , . It has 0 Comments.

Winter is here! Cold weather and snow fall totals can be discouraging as we approach the middle of winter. Some people thrive on winter and enjoy the shoveling, cold hands, wet feet, long days and dark nights. For those who do not enjoy the lengthy winter months in our climate - there are lots of activities and things you can do to keep occupied and feel better! -take a trip to a sunny destination -add foods with vitamin D to your diet -try exercising indoors -watch movies or find a new series -read a book -find a hobby – like knitting or crafting -spend quality time with loved ones -go sledding or snowshoeing -volunteer for a great cause Winter depression is a real issue, also known as SAD (Seasonal Affective Disorder), it is caused by the lack of natural sunlight in the winter months. However, people can also just feel down because of the stress of the holidays passing, bills, eating too much and not being active enough. Make sure you take the steps when possible to prevent the winter blues. ...


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Is Your Wood Burning Unit Installed Correctly?

Written by on 1/29/2018 9:09 AM in , , , , , , , . It has 0 Comments.

Does your insurance company require you to have your wood device installed or inspected by a WETT professional? WETT, which stands for Wood Energy Technology Transfer, is a non-profit training and education association managed by a volunteer Board of Directors elected by holders of valid WETT certificates. In order to become WETT certified, one must take various courses and training sessions and pass with the required grade. A WETT certified professional can verify that your unit is installed to the required specifications, minimize danger, advise and correct any changes that may be required and fulfill insurance company requirements. Would you like to ensure that your wood device is installed properly? Even if your insurance does not require a WETT inspection, you should have it completed for your own safety! They will inspect wood burning devices to ensure they are installed correctly and they are functioning properly. Incorrect installations and broken/worn out parts can cause house fires and carbon mo ...


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The Myth of "Full Coverage"

Written by on 1/22/2018 6:33 AM in , , , , , . It has 0 Comments.

Many times insurance brokers hear the term full coverage throughout the day. Many of those conversations are with clients requesting 'full coverage' because they have purchased a newer vehicle or just purchased a home. If you've ever been corrected it is because 'full coverage' is not a proper term. There is no such thing as full coverage. Why? Full Coverage would be implying that everything possible would be covered. There are limits to definitions of coverage and exclusions that prevent everything from being covered. In auto insurance for example, collision and comprehensive are the two of the coverages you require when financing a vehicle. You get to choose deductible options for each (without going over $1000). There are also several optional endorsements that can be added which provide additional coverage such as a rental vehicle, road side assistance and an accident waiver. Comprehensive covers theft of a vehicle but not theft of the items in the vehicle. Therefore it would not be proper to state you ...


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What's the Most Important Insurance for Businesses?

Written by on 1/11/2018 7:36 AM in , , , , , . It has 0 Comments.

Commercial General Liability insurance, commonly referred to as a CGL policy,  is the most important insurance coverage a business owner can have.  This insurance coverage ensures that the business, and business owner, is protected in the event of injury to a person, or property damage caused by the insured, in an area associated with the business. The commercial general liability policy includes various different coverages as follows: Bodily Injury and Property Damage Liability – For example, if a client slips and falls on your property because you did not salt or sand properly, or you are plowing a client’s property and cause damage to part of the property, these things would be covered under this policy coverage. Personal Injury Liability – This coverage includes coverage for false arrest, wrongful eviction of a person from your property, or oral slander or libel.  For example, if you wrongfully detained someone on your premises because you believe they were stealing on ...


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Winter Driving Tips

Written by on 1/3/2018 7:35 AM in , , , , , , , , . It has 0 Comments.

With the first winter storm of 2018 fast approaching, the Insurance Brokers Association of Nova Scotia has released some tips to keep you prepared on the road. We all know that no one wants to be on the road during bad weather, but being prepared can make all the difference.  ·        Remove all ice and snow from your windshield, mirrors and side windows. ·        Check your wipers and washer fluid. ·        Make sure you have winter tires on your vehicle. ·        Check tire pressure regularly as this can be affected by cold temperatures. ·        Keep your gas tank topped up in case you get stuck in traffic. ·        Carry a blanket, shovel, snacks, flashlight, emergency kit, road salt/sand. ·        Check ...


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The Importance of Choosing A Local, Family Oriented Business for Your Insurance Needs

Written by on 11/9/2017 5:14 AM in , , , , . It has 0 Comments.

Fairway Insurances Services Inc. is a family operated business. With over 40 years of experience we have grown and expanded to fit the needs of our clients. We have insurance brokers all over Atlantic Canada, and in British Columbia to help find the right kind protection for you and your needs from the best insurance companies offered in Canada. Insurance is not simply a piece of paper or a contract. Insurance is being able to have peace of mind knowing that you, your family, and your assets are protected. When you buy insurance, it is not just another pill to pay every month. By buying insurance, you have just purchased the peace of mind that when a bad situation occurs you will be protected. The assets that are important to you can range from thousands of dollars to millions of dollars, so shouldn’t you be insured by a brokerage that cares about you, understands the importance of these assets, and wants to make the process easier? At Fairway Insurance, we care not only about our client’s fina ...


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End of Summer Cleaning

Written by on 10/11/2017 5:53 AM in , , , , , . It has 0 Comments.

For a lot of Canadians fall is a time to celebrate. Hockey is back, leaves are changing, and pumpkin flavored treats are everywhere. But as summer starts winding down, our homes might need a re-freshening.  Take the next few weeks to make sure your home is ready for the new season just as much as you are.  Making the extra effort now can make a huge difference when next summer rolls around. Clean the grill. As summer ends, so does grilling season. Give the whole grill a good scrub before packing it up for the season, instead of letting all of this summer’s gunk sit on it for months.  It will cause a lot less hassle when you bring it out next year and want to start some outdoor barbequing. Prepare summer items for storage. Outdoor furniture, lawn chairs and pool toys usually aren’t used year-round. Clean your summer items thoroughly and pack them away for next year. Donate any items that you know you won’t be using again, and throw out anything that is broken or unusable. G ...


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