Frequently Asked Questions

General

We have been proudly serving our clients for over 40 years, since 1978.
We are located at 162 Main Street North, also known as Markham Road or Highway 48, in historic downtown Markham. Our office is inside one of the beautiful heritage buildings.
Since 1978, Blair insurance has been offering 360゚ insurance coverage for our clients. From the very beginning, we have been a ‘one-stop-shop’ providing a full range of products for business, home, auto, and life insurance protection.
While an insurance broker shops the many different insurance companies in the market to bring you optimal coverage and pricing options, the insurance company pays the broker. Their service doesn’t cost you anything.
We have many payment options for you, including monthly payments, instalments, or a one-time payment in full. You can pay by cheque, credit card or through online banking.
One of the many advantages of having a broker is that we advocate for you. You will not have to deal with the insurance company by yourself. At Blair Insurance, we begin by taking your claim information. Based on this, we will discuss the merits of presenting the claim and what your deductible is. Once the claim is submitted to the insurance company, an adjuster will be assigned to your case. We will follow along to make sure you get the settlement you deserve.
A `deductible’ is the amount of money you, as the insured, are responsible for paying if you make a claim. The insurance company will pay the rest, up to your coverage limit.

Property

No, the policies are very different. With a condo, you have shared common areas that must also be considered. A property specialist at Blair Insurance can explain the exposures you have and help you choose the right protection.

There are many ways to reduce the cost of your home insurance. Some include:

  • Install an alarm
  • Install a back-up water valve
  • Have a tankless water heater
  • Don’t smoke
  • Bundle your home insurance with other policies
  • Choose a higher deductible
  • Stay claim-free by only putting in claims for large losses you can’t manage
  • And more

The experts at Blair Insurance can find you cost-effective policies and make suggestions about how to reduce your rates even further.

Yes, but for limited amounts of coverage and in specified conditions. Each insurer differs on what they include in their policy for these special items. You may want to consider buying a Personal Articles Floater for much broader, inclusive coverage and higher coverage limits.
Yes, you can. There are also so many other advantages, including ownership of the policy, the ability to choose your beneficiary, higher sums paid out, and preferred rating status, to name a few. The experts at Blair Insurance will ensure you get the right policy for your needs.

Commercial

General liability insurance covers you against accidental bodily injury and property damage claims. Professional liability covers a professional’s error or mistake, which causes a financial loss to a third party.
The Named Insured of an insurance policy is the registered owner of the business, home, auto, or life insurance policy.
An additional insured is not the policy owner but one who may have an interest in what the policy is insuring. They may file a claim for their interest under the policy coverage.
Tenants are legally responsible to a landlord for damage caused to their property. This coverage can insure against that liability for damage caused accidentally.
This is liability coverage that is triggered should an employee use their personal vehicle for company-related business.

Life

Many people would answer that their home, car, or other special possession is their greatest asset. Valuable as these things may be, a person’s greatest asset is what’s called their ‘Human Capital’ – their ability to earn money. The best way to protect human capital is with life insurance.

People buy life insurance for many different reasons, including:

  • To cover a mortgage or debt
  • To provide for and secure their family’s lifestyle
  • To leave money for children’s’ education funds
  • To build cash in a tax-free vehicle
  • As a means to diversify investments
  • To have creditor protection
  • For business planning
  • To leave a lump sum to a charity
  • To ensure assets can remain in the family
  • To cover funeral and last expenses
  • To cover estate tax liabilities.

Being able to leave money to take care of those you love is reassuring.

In simple terms, you need to cover your financial liabilities if you died, became disabled, or suffered a critical illness today. You should also allow for any money your dependents may need to maintain their lifestyle or until they are able to support themselves. The brokers at Blair Insurance will help you select the right coverage option so that your beneficiaries receive all they are entitled to when the time comes.
You should think about the objectives you want to achieve, the beneficiaries you wish to name, how long you will need coverage for, and the reputation of the life insurer you choose to insure with.
Savings for a nonsmoker could be up to 40% off a smoker’s rate. Plus, of course, you save the recurring cost of purchasing the nicotine product.

Auto

Tickets for moving infractions stay on your record for three years from the conviction date.
Accidents remain on your driving record for six years.
You will need to provide a copy of their valid Driver’s License, date of birth, information on any tickets or previous accidents, prior insurance information, and a Driver’s Training Certificate for new drivers if one was obtained.
Once you lend your car to someone, you also lend your insurance. With your approval, the vehicle and the driver will be insured. However, there are a few exceptions. Someone without a valid license or who does not qualify as a driver under your policy for reasons such as criminal tickets or accidents will not be covered. If the person has their own insurance, any injury to themselves will revert to their policy. If the person causes an at-fault accident while using your car, it could cause your premium to increase.
Being accident-free and ticket-free, licensed over six years, and reducing your mileage contribute to lower insurance premiums. Many discounts are available with different insurance companies as well. Please refer to our auto insurance page on this site or contact an auto insurance expert at Blair Insurance.