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Friday September 03, 2010

Code of Ethics

We Pay Attention to Your Rights

Our company wants to make sure that you know that your rights are our priorities. After all, we are a purely mutual company owned by you, the policyholders. Policyholder directors that you elect guide our company. We firmly adhere to the following principles:

  • Our policyholders’ interests come first. Our distributors will put your interests ahead of their own;
  • We will make sure that you are aware of any conflicts that could be associated with a transaction or recommendation; and
  • We will ensure that the products that you purchase are “the right fit” to meet your needs.

Our company supports these principles. If you feel that our representatives are not following them, please let us know.

Our company is regulated by the Financial Services Commission of Ontario. (www.fsco.gov.on.ca)

Water Problems
Water problems may occur at any time due to melting snow, heavy rainfall, sump pump malfunction or sewer back-up. Check roof shingles to ensure they are in good repair. Ensure your sump pump is functioning - have a back up system or alarm if you experience water problems on a regular basis. .....Full Story
Oil Tanks & Fuel Spills
This area is becoming a huge problem as the required environmental clean up is costly and is also disruptive to the homeowner. Check your oil tank & lines regularly for any possible leak or problem. If you detect an oil odour call your distributor immediately. If you have a spill, our adjuster .....Full Story
Fire
This is a common loss and may also lead to death. Ensure that smoke detectors are in proper working order. Have extinguishers in place in buildings and on equipment. Electricity must be respected. Have electrical wiring work completed by a certified electrician. Ensure that electrical .....Full Story