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Monday, 29 December 2014

Do You Need Commercial Insurance Coverage?



So you own a business. Good for you! Unfortunately, as you will soon find out, owning a business is the easiest part -- running it is another completely different story. And as you will also soon find out, running your business comes with many burdens and responsibilities -- among them the responsibility of insuring your business properly.

If you are new to the world of commercial insurance coverage, it is completely normal for you to be confused at first. But here's what you need to know: There doesn't exist just one type of commercial insurance policy. There are many, many different ones out there, and which one(s) you will end up needing depends a lot on what type of company you own, among other things. Plenty of factors come into play when you find yourself thinking about insuring your business.

As an example, do you own a business property or do you work from home? Do you own business vehicles? How many employees work for you, if any?

You see, there is absolutely no doubt when it comes to whether or not you need commercial insurance coverage. The answer will always be a resounding 'yes' because operating a business without proper coverage can be fatal. But the question does not stipulate which policy you need -- and as a result, you are left to fend off for yourself.

This is why we always recommend that you discuss with your insurance broker which insurance policy or policies would benefit you or your business the most. You will also find that plenty of insurance companies out there such as Sharp Insurance offer free commercial insurance quotes to people like you to help you along the way. Use them wisely!

Saturday, 27 December 2014

How Long Are You Regarded As a High Risk Driver in Edmonton?



So you have been labelled as a high risk driver in Edmonton. While this might be a label that nobody wants to associate with, the truth is that your situation is not as bad as you probably think it is.

Think about it: You have been labelled as a high risk driver for a reason. Most likely you have have been dealt a few traffic violation tickets in the recent months. You might even have been in an accident or two. Being labelled as a high risk driver might be troublesome, but it offers, in a way, a new start to people like you.

It is the best way to open your eyes to your dangerous driving habits. Do you run red lights? Do you tailgate people? Do you sometimes drive faster than the speed limit when you are late to work? All of these are habits that can not only prove to be dangerous to you -- they can also prove to be fatal to you and other drivers.

The good news is that you won't be labelled as a high risk driver forever. If you manage to hold a clean driving record for two years then insurance companies will not be able to label you as a high risk driver any more. During those years, we recommend that you brush up your driving skills and learn how to save money on your monthly insurance premiums until you are once again regarded as a "normal" driver. You will find that plenty of companies in the Edmonton area offer free new driver insurance policy quotes. (Sharp Insurance is a good example of such a company.)

Happy (and safe) driving!

Tuesday, 23 December 2014

Do YOU Need Home Insurance Coverage?



Purchasing a home is already expensive as it is, so why should you bother with something like home insurance coverage?

This, unfortunately, is a common reasoning among home owners in Lethbridge and Alberta. For many people, insurance policies are simply "too expensive" or "useless". This could not be farther from the truth.

Certainly, home insurance policies can be expensive. But they don't have to be. If you have been following us for a while, then you might be aware that we are big advocates of saving money on insurance coverage. How you can do this depends on several things, among them whether you are ready to improve the security of your home and whether raising your deductible is something that you would seriously consider.

With that being said, let's go back to the original question. Do YOU need home insurance coverage in Lethbridge? Well, according to the law, you don't, but according to common sense, you do. Home insurance coverage constantly save families from going bankrupt.

You might think that your home catching fire or someone vandalising it will never happen to you, and while you are most likely (hopefully) right, the truth is that it's not worth risking your home and your sanity only to save money. Purchasing a home insurance policy such as the one offered by Sharp Insurance is the easiest way to prevent financial loss in the event of a disaster striking your home.

Because as the saying goes, it's better to be safe than sorry. (Sorry about the cliché.)

Saturday, 20 December 2014

Do You Need Motorcycle Insurance Coverage in Fort McMurray?



Before purchasing a motorcycle, it is important to familiarize yourself with insurance policies and which ones are mandatory in Alberta.

If you are thinking of a buying a motorcycle in Fort McMurray, then you are required to purchase motorcycle insurance coverage by law. But as with every type of insurance coverage, you will find that the term "motorcycle insurance policy" is as vague as "commercial insurance policy". In other words, there doesn't exist just one type of policy -- there are many out there, and it is your responsibility to learn about them before purchasing a bike.

Fortunately, many companies such as Sharp Insurance offer people basic coverage plans. The latter usually cover the three main areas of motorcycle insurance -- namely liability, property and medical coverage. If you do not have access to an insurance broker, we recommend requesting free insurance quotes online such as the one offered by Sharp Insurance to get an idea of what to expect from certain insurance companies.

With that being said, you will also find that many other motorcycle insurance policies are available out there -- think collision insurance policies among others. While you won't get in trouble if you don't own such policies, if you are serious about biking then it might be best for you to purchase additional coverage. However, keep in mind that accidents can happen to even the most seasoned biker out there -- so choose carefully before hitting the road!

For more information, visit Sharp Insurance's website and request your free motorcycle insurance quote.

Tuesday, 16 December 2014

How to Save Money on New Driver Insurance in Calgary



Being a new driver comes with its ups and downs. While we can't argue that being a new driver is exciting, it can also be quite stressful -- especially when it comes to insurance policies. If you are a new driver, you might be wondering how you can go about lowering your monthly premiums. Since you have less experience than "regular" drivers, insurance companies will see you as more of a liability than those drivers. As a result, you will be expected to pay more each month.

The good news, however, is that lowering your monthly premiums is not as difficult as it sounds. If you have been following us for a while then you know that we are big advocates of lowering your insurance premiums. We have taught people how to lower their home insurance premiums, their construction insurance premiums and even their commercial insurance premiums. Today we will be teaching you how to lower your new driver insurance premium so that you can save money each month.

The first thing that you need to remember is that insurance companies often (not always) reward experience. As such, it is possible to receive discounts on your premiums by passing an approved driver education program. If you live in Calgary, a simple Google search will give you an idea of what kind of programs are available in your area. We then recommend discussing with your insurance company whether or not they approve the program of your choice.

The second thing that you have to remember (and this applies to every insurance policy) is that raising your deductible lowers your monthly premiums. Keep in mind, however, that in the event of you making a claim, you will have to pay your deductible -- so be sure to put some money aside!

Saturday, 13 December 2014

Does Your Lethbridge Business Need Vehicle Coverage?



When you are a business owner, you really can't afford not to be properly covered under the right insurance policies. A simple mistake could often prove to be fatal to your Lethbridge business -- and trust us, that's not something you want happening.

Regardless of whether you own a commercial car or a whole fleet of them, insuring your commercial vehicles under a Lethbridge commercial auto insurance policy should be one of your main priorities. Unfortunately, this type of policy often tends to be neglected by business owners -- something which, if you ask us, makes absolutely no sense. Would you insure your regular car? Probably. (Or well, hopefully.) So why wouldn't you insure your commercial car, especially when the latter is so tightly-linked to your business?

To make the idea of being covered under this policy even more enticing (well it depends on which way you look at it), there is the whole issue of liability coming into the picture. What happens if one of your employees gets into a road accident while driving one of your cars? Most likely your company will be held liable. Do you see why not being covered under this policy is simply too much trouble now?

The good news is that plenty of insurance companies out there offer free insurance quotes to help you get an idea of what to expect from such a policy. We encourage you to request one or two or even three if you feel like it -- as long as you promise us to insure your car(s) as quickly as possible!

Tuesday, 9 December 2014

How Much Does Home Insurance Coverage Cost in Edmonton?



Home insurance coverage is doubtlessly one of the most important types of coverage out there. Owning a house that is properly insured has the potential to save a homeowner countless headaches down the road. Home insurance coverage, however, can also be one of the trickiest types of coverage to purchase, mostly because of the number of policies available out there.

As a future homeowner currently living or considering moving to Edmonton, it is completely normal for you to wonder about the nature of an insurance policy, especially when the latter relates to money. One question that we are often asked to answer when it comes to this type of policy is "How much does it cost to cover a house in Edmonton?"

The truth is that it varies. According to statistics, however, you can expect to pay between $840 and $920 annually to cover your house in Alberta. Of course though, those numbers are only statistics and as such do not apply to everyone. One of the best way to get an idea of how much you will be paying on your insurance policy is by requesting an Edmonton insurance policy quote. You will find that most insurance companies out there are more than happy to offer you a free one.

You will also find that lowering your insurance premiums is more than doable. If you are interested, we have covered this topic several times in the past -- a simple search will present you with a number of older blog posts. You can also find plenty of tips on the Internet if you do not find enough information on this blog. :-)

Saturday, 6 December 2014

High-Risk Driving Habits That Can Make You a High-Risk Driver



Being labelled as a high-risk driver is not something that any of us wants to experience. Yet it happens to people like you all the time. What prevents you from being among them?

Quite simply, good driving habits.

High-risk drivers are drivers that, according to insurance companies and their driving records, are more prone to getting into accidents than other, "regular" drivers. Of course, an infraction or two won't automatically make you a high-risk driver. It's when those infractions begin to add up that insurance companies begin to label you as such.

Speeding is one of the most common high-risk driving habits that can land you in hot waters. Nothing is important enough for you to warrant speeding. Not only can it prove to be dangerous to you -- it can also be dangerous to others. So if you often find yourself speeding, it is advisable to break this habit not before you get caught but before something serious happens.

Tailgating is another high-risk driving habit that you should break as soon as possible. Though it might sound harmless it is far from being so. This habit can often leads to accidents. It doesn't matter if the driver in front of you is going slower than necessary -- tailgating him or her is one of the best ways to become a high-risk driver in the eyes of insurance companies.

Of course, plenty of other high-risk driving habits exist. Think: failure to yield, improper passing and ignoring traffic controls among others. If you are a seasoned driver who often finds himself or herself guilty of speeding or failing to yield, we recommend that you brush up your driving skills before it is too late.

Thursday, 4 December 2014

Do Construction Workers Need Liability Insurance Coverage?



If you are considering entering the construction field then there are a few things that you should take into consideration before. One of these things include construction insurance policies and whether or not you need to be covered under them.

If you are familiar with construction insurance coverage then you probably already know that there are many different types of policies available out there. Which one(s) you will end up end up needing usually depends on a few factors, among them what type of contractor you are and whether or not you are legally required to purchase certain policies.

One of the most common type of construction policy is known as the liability insurance policy. As the name entails the latter covers you financially should you be held liable in court for an error or omission that you may have committed while working. (Think accidents and property damage among other things.) As grime as it may sound, it does not take much for someone to sue you. A simple mistake can ruin your career if you are uninsured.

So to answer the question, no you don't legally have to be covered under this type of policy, but realistically you should be. As we like to say, prevention is always key. Being a construction worker comes with many responsibilities and one of these responsibilities is ensuring that you are properly covered so that you can keep doing what you know best -- your job.

Fortunately, plenty of free insurance quotes can be found online such as the one offered by Sharp Insurance.

Saturday, 29 November 2014

Where to Obtain a Free Motorcycle Insurance Policy Quote in Edmonton



If you own a motorcycle in Edmonton, then you probably are already aware of the importance of insuring it properly. Not only can it save you headaches down the road -- it can even save you money. And let's be honest: Who doesn't want to save money?

No matter how good of a driver you are, the unfortunate truth is that accidents happen, and that they can happen to any of us -- you included. While learning how to prevent accidents is a good idea, sometimes it's impossible to completely prevent one from happening. In those cases, you are left to fend off by yourself if you are not covered under a policy.

Unfortunately, finding a motorcycle insurance policy that is both reliable and affordable can be a bit more difficult than it sounds. Your best bet would be to obtain free insurance quotes and to figure out by yourself (or with your insurance broker) which policy would suit you and your motorcycle the most.

As you will soon find out, many companies would be more than happy to offer you a free Edmonton motorcycle insurance quote such as the one offered by Sharp Insurance. In most cases, insurance quotes only take a few minutes to complete and are the perfect way to give you a general idea of what to expect from a company.

So go ahead and shop around! Purchasing a motorcycle insurance policy is absolutely necessary if you wish to hit the roads of Calgary with a peace of mind.

Thursday, 27 November 2014

Calgary New Drivers -- What You Can Expect from Insurance Policies



Being a new driver in Calgary can be a stressful experience. In between getting used to driving in the first place, you have to figure out insurance policies and where you stand as a new driver. Of course, sometimes it's not as easy as it sounds.

As a new driver, you have to carry heavy burdens on your shoulders. Because insurance companies see you as more prone to causing accidents, be prepared to pay more on your monthly premiums. Unfortunately, there is nothing that you can do about this.

The good news is that there are many ways to lower those premiums and that it does not have to be as complicated as it sounds. We will not go over them in this blog post as we have discussed them in the past before, but if you are interested, we recommend looking them up online -- you are bound to find something helpful!

The other good news is that the new driver stage does not last forever. If you are able to maintain a clean driving record for the first two years of driving then you can expect insurance companies to lower your monthly premiums eventually.

And of course, not every insurance company was created equally. With a bit of research you will find that some insurance companies offer lower rates to begin with. If you live in Calgary we encourage you to request a free Calgary new driver insurance quote such as the one offered by Sharp Insurance. This is the quickest and surest way to find out where you stand as a new driver!

Saturday, 22 November 2014

Free Medicine Hat Home Insurance Policy Quote -- Why Should You Obtain One?



Owning a home can be a lot of work, that's for sure. In between doing your best to keep it as safe as possible, you also have to take care of the legal aspects of owning a house. For many people, this is when a home insurance policy comes into play.

When people think of insurance policies, not everyone of them regard them the same way. Some people think they are absolutely essential while others would rather do without them. As a home owner living in Medicine Hat, the truth is that while you can certainly live without a home insurance policy, there is no reason why you should do that. In the long run, you would certainly benefit from owning a home owner insurance policy.

Medicine Hat might be a relatively safe city, but you never know what might happen. Nobody (regardless of where they are situated) is ever truly safe. Vandalism, fires, robberies... all of these are things that can happen and DO happen regularly. How do you know that you won't be the next victim?

Of course, our aim is not to scare you. We only want to let you know that just because it happens to others does not mean that it won't happen to you. As we like to say, prevention is always the key and it's better to be safe than sorry. What we have found is that requesting a free Medicine Hat home insurance quote is the fastest and surest way to peace of mind.

So what are you waiting for? Request your free quote today!

Tuesday, 18 November 2014

Business Owner Policy: What You Need to Know



As we have said before, being a business owner comes with many burdens and responsibilities. One of these responsibilities entails being covered under the proper insurance policies. After all, owning a business can be tricky and expensive -- especially if/when you find yourself facing situations that you would have preferred avoiding (Hint: Lawsuits).

If you own a business in Red Deer, then purchasing a business owner policy (more commonly referred as BOP) might be a good idea. In simple terms, this policy is an insurance package that comprises the necessary policies that every business owner such as yourself should own. Purchasing this policy is a good way to save money in the long term because the cost of the bundle is less than the cost of the individual policies included in it.

Business owner policy is usually ideal for owners of small to medium businesses in the city. Keep in mind that what each package is comprised of tends to change from insurance company to insurance company. Generally speaking, you can expect business interruption coverage, property insurance, vehicle coverage and liability coverage to be included in a BOP package.

If you are unsure of whether or not you might benefit from owning so many policies, we encourage you to discuss it with your insurance broker. Until then you might be interested in requesting a free Red Deer commercial insurance quote to get an idea of what to expect as a business owner. Remember: The latter is free and comes with absolutely no obligation!

Friday, 14 November 2014

Are Teenagers Considered High Risk Drivers in Red Deer?



Being labelled as a high risk driver is not something that any of us wants to go through. Aside from looking bad on your driving record, it also leads to higher monthly premiums -- and once again, this is not something that any of us wants to deal with.

When people think of a high risk driver, they usually picture a driver with a history of tickets and accidents. While this is true on some level (people like that usually tend to be classified as high risk drivers), it is not always the case. Some people, regardless of whether or not they have caused any accident in the past, are automatically labelled as high risk drivers because of their age. That's right -- we're talking about teenagers.

So to answer the original question, unfortunately yes, teenagers are considered high risk drivers in Red Deer. This mostly due to their age and inexperience. Insurance companies tend to see them as higher risk and will therefore charge them more.

With that being said, not every company charges the same amount of money. Plenty of companies in Red Deer offer affordable and reliable high risk insurance policies. If you are a high risk driver, you might consider looking around for free Red Deer high risk insurance quotes such as the one offered by Sharp Insurance.

Being a teenage driver does not have to be difficult -- or too expensive. And you know what the good news is? This high risk driving period does not last forever. By keeping a clean driving record it should not take more than a few years before insurance companies begin to see you as a "normal" driver.

Tuesday, 11 November 2014

Basic Safety Tips for Motorcycle Riders in Fort McMurray



Owning a motorcycle is a lot of fun. Nothing compares to the freedom that it offers. Owning a motorcycle, unfortunately, can also be dangerous and deadly. If you own a motorcycle, then remaining safe on the road should be your main priority. Here's how you can do it:

1. Know your bike -- and be able to handle it. Motorcycles are like cars. They come in different shapes and sizes. Some are smaller, some are bigger and some are faster. Be sure to buy a model that fits you as well as your current skill level, otherwise you might find yourself in trouble down the road.

2. Consider taking a course. This advice is especially useful if you have been off motorcycles for a while. Even the best motorcyclist out there would benefit from taking a course. Brushing up on your skills is essential if you wish to remain safe on the road. If you live in Fort McMurray, you have plenty of options to choose from.

3. Wear the proper gears. Riding your motorcycle in a t-shirt might sound like a lot of fun, but in the event of an accident happening you might just end up regretting this decision. Before hitting the road we recommend that you shop around for motorcycle gears. You'll find plenty of specially designed jackets and pants that are able to provide you with extra protection.

4. Know your limits. Never driven in bad weather? Then now might not be the time to do it. By knowing your bike you also have to know yourself and your limits.

5. Purchase a Fort McMurray motorcycle insurance policy. Well this might not do anything to actually keep you safe on the road, but at least it will allow you to sleep at night!

Saturday, 1 November 2014

Where to Obtain a Free Calgary Construction Insurance Policy Quote



As a construction contractor, being properly insured should be one of your main priorities. As you already know by now, working in this field comes with many risks and challenges. Not being covered under the right policies therefore has the potential to affect you and your career negatively for several years to come.

Think about it for a moment: What would you do if someone claimed that you did not do your job properly and decided to sue you? Who would you rely on if you were not covered under a construction insurance policy?

Depending on what type of contractor you are and on what type of project you are working on, there exist several types of policies out there that you might benefit from purchasing. From the builder's risk course of construction policy to the wrap-up liability insurance policy, knowing exactly where you stand is a very good idea. To achieve that, some people like to rely on their insurance broker while others prefer instead to rely on free insurance quotes.

If you live in the Calgary area, then there are numerous companies out there that offer free Calgary construction insurance quotes for contractors such as yourself. Obtaining one is always a good idea, especially if you are unsure of where to begin. We encourage you to spend some time sifting through them -- you will most likely find that each quote offers you something different. Whether you decide to purchase a quote from Sharp Insurance or from one of our competitors, remember that what matters most is the peace of mind that such a policy offers you, so don't ever neglect the importance of being covered under one!

Monday, 27 October 2014

Does Installing a Security System in Your Calgary Home Reduces Your Insurance Premiums?



Money. It's a precious thing that we all need to survive. Knowing how to save it is one of the most important skills that you can teach yourself. Insurance premiums might be the last things that you think about when you think about saving money, but the truth is that reducing your monthly insurance premiums is not as impossible as you might think it is. With enough research and planning, there is no reason why you should not be able to save some of your hard-earned money each month.

As you probably already know by now, insurance companies always charge people more when they believe their asset to be more prone to disasters -- think vandalism, fire and theft to name but a few. As a homeowner, your best bet is to therefore make your house as secure as possible. One of the best ways to do so is by installing a security system in your home. This is especially true if you live in a part of Calgary where acts of vandalism and theft are more prevalent. In most cases, you can expect your monthly premiums to go down as a result. 

At the end of the day, installing a security system might sound like a pricey solution right now, but seeing it as a type of investment might be a good idea. Once the initial cost of installing it is over, you can now focus on saving money each month. And let's be honest -- who does not want to save money each month?

Of course, there are many other ways to save money on your Calgary home insurance policy. This is just one of several tips that we like to offer our clients. Also, if money is becoming an issue for you, discussing this with your insurance broker might be a wise idea!

Saturday, 25 October 2014

Do New Drivers Pay More on Car Insurance in Red Deer?



As a new driver in Red Deer, you might wonder whether or not you will have to pay higher premiums than other, more experienced drivers. The unfortunate truth is that yes, you will have to pay higher premiums. This is not surprising -- because you lack experience, insurance companies will see you as more prone to causing accidents. And as you know by now, the more prone to causing accidents you are, the more money you end up paying.

Keep in mind, however, that you being a new driver is not the only factor affecting your monthly premiums. If you wish to lower them, you can do so easily, even despite being a new driver. From the type of car that you drive to how well it is protected from thieves, there are some things that you have complete control over. Experience aside, there are some things that you also have no control over -- including your age and your gender. As troublesome as it sounds, young men tend to pay higher premiums than young women.

The good news, however, is that your premiums will not always be that high. By keeping a good driving record and gaining experience, there is no reason for your insurance company not to lower your monthly premiums eventually. And the other good news is that there are plenty of insurance companies out there that offer affordable and reliable Red Deer new driver car insurance quotes.

Because even though you are a new driver, not every company is out there to get you. So drive safely and have fun! :-)

Tuesday, 21 October 2014

3 Things to Consider Before Purchasing an Edmonton Car Insurance Policy



Purchasing a car insurance policy is not always easy. Not only are there tons of companies offering quotes out there -- there are also numerous different policies available. How do you know which one to choose?

While it is always a good idea to discuss such matters with your insurance broker, nothing bad ever comes out of doing your own research. If you are currently living in Edmonton and are looking for an Edmonton car insurance policy, then Sharp Insurance would be more than happy to offer you a free quote. Until then, here are 3 things that you should consider before purchasing a policy:

1. The type of car that you own. Depending on what car you own, you may find yourself paying more (or less) on a monthly basis. When looking for insurance quotes, always compare the costs to maintain your vehicle against the costs to insure it. Also keep in mind that some cars are simply more expensive to insure and that you can't do anything about it.

2. How much you use your car on an annual basis. Many things come into play when insurance companies offer you a quote and the number of miles that you average each year is one of them. Unfortunately, the more often you use your car, the higher premiums you will have to pay. Just a head's up!

3. Any teenager that might be using your car. Unfortunately, new drivers and teenagers are known to make the costs of insurance premiums sky-rocket. Before choosing a policy, discuss with your insurance company whether the latter offers discounts for driving safety programs, good grades or even installed monitoring devices -- all of these factors can greatly help in reducing your monthly premiums.

Saturday, 18 October 2014

How to Handle Being a High-Risk Driver in Medicine Hat (And Where to Get a Free Quote)



So you have been labelled as a high-risk driver. While you might think that your insurance situation has become hopeless as a result, the truth is that it is far from being so. On your journey to finding a Medicine Hat high-risk driving insurance policy, you will find that many insurance companies out there offer people like you a second chance.

Here's the thing -- you have been labelled as a high-risk driver for a reason. Maybe it's because you have caused too many accidents. Maybe it's because you have ran too many red lights. Regardless of the reasons why, being labelled as such does NOT have to be a negative experience. Certainly, it will cost you more. There is no way around this. But it can also change your life for the better.

Now that you are aware of your dangerous driving habits, it's time for you to change them. As we have said numerous times in the past, driving is something that should never be taken lightly. Not only does it have the potential to harm you -- it also has the potential to harm other people as well. Use your label as a way for you to improve your driving. If you are able to keep a clean driving record, you will most likely be able to lose this label within the next two years or so.

Until then, learn, learn, and keep learning from your mistakes. You might also want to arm yourself with a high-risk driving insurance policy to save money. If you are currently residing in the Medicine Hat area, Sharp Insurance offers free Medicine Hat high-risk car insurance quotes to people like you -- looking into obtaining one might benefit you!

Tuesday, 14 October 2014

Owning a Motorcycle in Lethbridge and Saving Money on Your Monthly Premiums



When it comes to insuring your motorcycle in Lethbridge, there are a few things that you need to know beforehand. First of all, saving money on your monthly premiums is not as difficult (or impossible) as you might think it is. With enough resources and planning, it is very possible to do just that.

Here are a few tips to help you along the way:

1. Remember that the model matters. While this might be something that you can't change, if you have not bought a motorcycle yet you might want to remember this point. The younger and the faster a bike is, the higher your monthly premiums will be. It's as simple as that and there is sadly no way of changing this.

2. The more experience you have, the less money you will pay. Once again, this might be something that you might not be able to change. The younger you are, the higher your premiums will be. There are, however, ways to alleviate the costs. We recommend discussing with the company providing you Lethbridge motorcycle insurance policy whether or not taking a motorcycle course can lower your monthly premiums.

3. Lastly, remember that the more you take care of your bike, the lower your premiums will be. This might be as simple as installing an alarm system on your motorcycle and keeping the thieves away. The less likely to be stolen your bike is, the nicer your insurance company will be to you. Also remember that storing your motorcycle in a safe place plays a very important role.

Thursday, 9 October 2014

How to Keep Your Business Property Safe in Calgary



As a business owner, keeping your Calgary business safe should be one of your main priorities -- and as you probably already know, it starts with keeping your business property as safe as possible. While people might argue that doing so is impossible (after all people will always be people), the truth is that with good planning you can greatly reduce the risk of theft and vandalism.

Here's how you can do it:

1. Equip yourself with a Calgary commercial insurance policy. Sure, it might not actually do anything to prevent theft or vandalism, but as the saying goes -- better be safe than sorry!

2. Invest in good locks. We cannot stress enough the importance of locks. Don't just settle for cheap ones -- spend as much money as needed. Just think of what is at stake.

3. Invest in a burglar alarm. This is especially useful if your business is located in a big city. Remember that the louder, the better.

4. Flood your property with light. Darkness conceals intruders. Light tends to keep them at bay. Certainly, your electricity bills might end up on the more expensive side, but it's a better fate than having to deal with theft or vandalism.

5. Be smart with your safe. Always ensure that the latter cannot be seen outside of your store. We also recommend bolting it to the wall.

6. Purchase window screens. Not only are they inexpensive -- they are also very useful when it comes to deterring thieves!

Saturday, 4 October 2014

Where to Request a Free Edmonton New Driver Insurance Quote



Are you a new driver currently living in Edmonton, Alberta? Then chances are that you will find yourself in need of a new driver insurance policy soon.

Here's the thing -- there are a lot of insurance companies out there. While you might not think of it as a problem, the truth is that finding one that is both affordable and reliable is slightly harder than it sounds.

Thankfully, you can request a free Edmonton new driver insurance quote to get a general idea of what to expect from a policy and an insurance company. So if you were looking for a quote, Sharp Insurance would be more than happy to provide you with one. We offer new driver insurance quotes in Edmonton and beyond. What's more, our policies are both affordable and reliable -- two things that are absolutely vital when it comes to insurance policies.

Insurance policies can be a tricky business. While we do recommend spending some time with your insurance broker, nothing bad ever comes from doing your own research. Because being a new driver comes with a number of responsibilities, it is imperative that you arm yourself with adequate coverage before hitting the road.

Of course, driving safely is also a must -- but sometimes accidents do happen... And it does not even have to be your fault. The best way to prevent an accident from backfiring up on you is by purchasing an Edmonton new driver insurance policy.


Friday, 3 October 2014

How to Avoid Car Theft in Fort McMurray



Nowadays, pretty much everyone owns a car. If you are here, then we can probably assume that you do too -- or at least that you will soon.

However, with owning a car in Fort McMurray comes great responsibilities -- and no, those responsibilities don't just entail your safety and the safety of others on the road. As you probably already know by now, car theft is one of the most common crimes in Fort McMurray and Alberta, and unlike what most people think, older cars tend to be stolen more often than newer cars.

Fortunately, there are ways to prevent this from happening to you. The first thing that you will have to do (if you have not done so already) is request your free Fort McMurray car insurance quote. This way you will be sure to always have someone backing you up should everything else fail.

So without further ado, here is how you can avoid car theft:

1. Choose your parking spots carefully. This is very important, especially if you are going to leave your car parked there for a few hours. In our experience, well-lit areas are the best. Whenever possible, try to park in the vicinity of a surveillance camera -- and don't forget that the closer your car is to an exit, the more likely to be stolen your car will be!

2. Lock your doors. Okay that might sound like a given -- but really, you'd be surprised at the amount of people who forget this simple step.

3. Invest in an alarm system. Not only will an alarm system keep your car safe: It might even reduce your monthly insurance premiums! Of course, the louder the better, so don't hesitate to spend some money on a quality alarm system.

4. Think like a thief. Lastly, look at your car through the eyes of a thief. Be sure to always keep valuables away from preying eyes as well. The more attuned you are with the safety of your car, the less likely to be stolen it will be.

Thursday, 25 September 2014

Where to Get a Free Edmonton High-Risk Car Insurance Quote



If you have been labelled as a high-risk driver, then you might wonder where is the best place to receive a free Edmonton high-risk car insurance quote. The truth is that there are more insurance companies willing to give you a second chance than you might think. Sharp Insurance is among them.

Unlike what you believe, being a high-risk driver is not the end of the world. Certainly, it means that you have to pay higher premiums than normal, but with a bit of patience, there is no reason why things should not go back to the way they were eventually. Here's something to cheer you up: Did you know that you can lose this label within two years of keeping a driving record free of accidents and infractions?

Think about it for a moment: Being labelled as a high-risk driver is, in a way, a second chance for you. Regardless of how many accidents you have caused or how many infractions you have been accused of, it is never too late to change your ways. Driving is both tricky and dangerous. You should not think of being a high-risk driver as a punishment but more as a way to better yourself.

Because driving could kill you.

So to answer your question, Sharp Insurance offers high-risk drivers free insurance quotes in Edmonton or surrounding areas. If you are interested, you can request one on our website. We believe that everyone is entitled to a second chance -- you included.

Don't let your mistakes dictate the direction of your future.

Saving Money on Your Lethbridge Home Insurance Policy -- Is It Doable?



As you probably know by now, Lethbridge home insurance coverage can be expensive. While there is no doubting its efficacy (or the need of it), sometimes monthly premiums become a burden. What do you do when you begin to struggle paying those premiums? Find a way to lower them, of course!

Now you might think that lowering your premiums is not possible -- but it very much is so. What most people fail to understand is that premiums rely heavily on the number of risks associated with your house.

As an example, a person who smokes is most likely to pay higher premiums on their home insurance policy than a person who does not smoke. Do you know why? Because a person who smoke could well end up burning their house down -- costing their insurance company a lot of money in the process.

Now we're not asking you to stop smoking (although it would be nice if you did). We're just asking you to think outside of the box. Does your house have a security system? You'd be surprised at how much money you could save on your premiums by buying and installing one.

What most people also fail to understand is that the lower your deductible is, the higher your premiums is. While we don't recommend raising your deductible unless you are 100% certain that you can afford it, doing just this might prove to be a nice short-term solution to your problems -- assuming that nothing happens to your house in the meantime, of course.

Still unsure of how you could save money on your home insurance premiums? Talk with your insurance broker -- he or she is bound to have a few ideas to share with you!

Friday, 19 September 2014

Keeping Your Motorcycle Safe in Grande Prairie



Do you own a motorcycle? If you do, then keeping it safe and away from preying hands should be your main concern. Motorcycles are expensive and as such are the prime targets of both thieves and vandals in Alberta and Canada.

While being covered under a Grande Prairie motorcycle insurance policy is very important, prevention is almost as important. Here are 3 tips that might help keep your motorcycle safe in Grande Prairie:

1. Don't make it obvious. Thieves steal what they see. If they can't see your motorcycle, they won't steal it. Simple as that. At night, always remember to hide it somewhere secure. If you don't have a garage, a shed might work. When you're in town, always  be sure to park your motorcycle in a guarded parking lot or in the angle of a surveillance camera. Or if you prefer, you might also want to keep an eye on it by parking it in plain sight! (Ideal for when you're shopping, for one.)

2. Make it harder for thieves to steal it. Go as wild as you want on this. Add locks and security systems, chain it to a lamp post, add more locks -- whatever you think will keep your motorcycle safe. The key here is to buy time and to discourage thieves away from your motorcycle. 

3. Install an alarm. And make it ring loud! (Or if an alarm is too expensive, stickers might work too.) While sometimes theft is inevitable, remember that thieves target the vulnerable ones for the most part. If you constantly keep the safety of your motorcycle in your mind, then the chances of it being stolen will be greatly reduced.

Monday, 15 September 2014

Builder's Risk Course of Construction in Calgary: What Does it Not Cover?



As a construction worker, being properly and adequately covered under insurance policies is a must. Failing to be so has the potential to impact your profession negatively -- and sometimes, it can even lead to you being sued.

If you live in the Calgary area, then being covered under Calgary construction insurance policies should figure high on your list of priorities (assuming that you are not already insured, of course). You will find that construction insurance policies come in all shapes and sizes. Depending on what you are looking for (and in what you specialize in), you might need a builder's risk insurance policy.

The latter is a policy that covers the building that you have been contracted to build against perils that could endanger said building. Think fire, lighting and vandalism among other things. Because this type of policy only remains in effect while a building is in the process of being built, it is referred to as a "course of action".

While a builder's risk course of action policy covers a property against a number of perils, it is good to remember that it is not a property insurance policy. As such, many exclusions exist within this policy, including faulty materials, faulty workmanship and latent defects, among others.

For some people, however, this policy is an absolute must -- especially when coupled with other construction insurance policies. If you are unsure whether or not you might benefit from this policy, we encourage you to discuss it with your insurance broker or to request a free insurance quote from Sharp Insurance. 

Friday, 12 September 2014

Driving Tips for Red Deer New Drivers


Driving can be intimidating at first. The truth however, is that driving does not have to be a burden. If you are a new driver in the Red Deer area, then knowing exactly what to expect before hitting the road for the first few times is extremely important.

Not that we want to scare you, but did you know that new drivers experience the highest number of accidents within their first two years of driving? In other words, those two years play a huge role in teaching you how to react to certain situations. As a driver, it is your responsibility to ensure that you learn from your mistakes. Repeating them could prove to be extremely costly.

The first thing that you will need to do is look for a Red Deer new driver insurance quote online. This will give you the opportunity to concentrate on bettering your techniques instead of worrying about the possibility of getting in an accident.

Because that's right -- you might have to go through a few minor accidents. But the good news is that you don't have to (or at least you don't have to cause any). This is when driving tips come into play.

You might own a driver's license, but that does not mean that you should forget everything that you learned along the way. As people become more and more comfortable behind the wheel, they sometimes begin to neglect basic safety standards. As a new driver, it is imperative that you do not allow yourself to fall into that category. From remembering to buckle your belt to avoiding tailgating the car in front of you, basic safety standards can often be incredibly dangerous to ignore.

Also remember to take it slowly -- and that it's okay if you don't feel like doing something yet. Just because you are allowed to drive does not mean that you are ready for a roadtrip across the country! :-)

Grande Prairie Commercial Insurance Coverage: The Importance of Keeping Your Business Data Safe


We said it before and we will keep saying it -- owning a business comes with a wide array of challenges. This is neither new nor surprising.

If you currently are the owner of a business in the Grande Prairie area (regardless of its size), keeping it secure should be one of your main priorities. As you probably already know by no there are a number of ways to do so. From purchasing a Grande Prairie commercial insurance policy to actually securing your properties, being wise in that regard has the potential to save you a good amount of trouble down the road.

While securing your business usually entails securing many different aspects of it, one of the most important aspects that should never be overlooked is your business' data. With today's regulations regarding data, a business that fails to secure its data properly puts itself in a very dangerous situation.

Consider this: Data is more than a simple word. As a business, you have to carry the burden of keeping your customers' data secure. Should the latter fall in the wrong hands, then you will have to pay the consequences -- and trust us, it's not something that you want to experience.

Because that's right -- data is supposed to be confidential. It is the banking information of your customers, it is their home addresses, their phone numbers. Failing to keep this information safe can prove to be fatal to your company, regardless of whether or not you were insured to begin with.

Fortunately, keeping your business data safe is doable. In a future post, we will be looking at different ways to do so. Until then, we highly recommend that you do a bit of research on your own, especially if your Grande Prairie business is quickly expanding!

Monday, 1 September 2014

Where Can You Find a Free Lethbridge Car Insurance Quote?


As you have probably heard countless times, car insurance coverage should never be underestimated, let alone ignored. Being in accident without insurance coverage is a driver's worst nightmare. You never know when an accident might occur, so why should you wait until one happens? By then it would be too late to turn back and wish that you done things differently.

It is your responsibility, therefore, to make sure that you are properly covered before hitting the road.

For you and many others, this is when a car insurance policy comes into play. If you live in the Lethbridge area, then finding a free Lethbridge insurance quote is very doable. As a customer, don't even think about calling a dozen of insurance companies to receive insurance quotes. In the 21st century, you can do everything online -- obtaining insurance quotes included. All is takes for you to see how much money you can save on car insurance is a few minutes of your time.

If you are interested, we'd be more than happy to offer you a quote. Our car insurance policy can be tailored to meet your needs -- and of course our quote also comes free of charge and with no obligations. As a driver being covered under our policy has the potential to save you countless headaches down the road (no pun intended).

You will find Sharp Insurance to be especially responsive to you needs. We are no strangers to insurance policies and it clearly reflects in the way we handle them.

Sunday, 31 August 2014

How to Deal With Being a High-Risk Driver in Fort McMurray


You might think that being labelled as a high-risk driver is the worst possible thing that could happen to you as a driver -- but the truth is that it's not as bad as you make it out to be.

After all, you have been labelled as such for a reason: To make you aware of your dangerous driving habits that have the possibility to harm you and other drivers. You might think of this as a burden, but it is in a way the best thing that could have happened to you.

If you live in Fort McMurray, finding a Fort McMurray high-risk driver insurance policy that is both affordable and reliable is not as difficult as you might think. Further to that, you will find that lowering your monthly premiums is very doable.

Of course, you will always end up paying more as a high-risk driver. It comes with the label. But there are ways to reduce your monthly premiums. Though we don't actively recommend it, you can always consider raising your deductible. Or if you prefer, you can combine your homeowner insurance policy with your car insurance policy -- most company will gladly offer you a discount if you do so.

You see, the other good news is that being labelled as a high-risk driver is not permanent. If you manage to keep your driving record clean, you will once again become eligible for "normal" car insurance coverage within two years or so. Until then, you have lots of time to take a step back and look closely at your dangerous driving habits that are behind you being labelled as high-risk driver.

Driving is not a game. Please remember that before hitting the road today.

Tuesday, 26 August 2014

Why Young Home Owners Need a Medicine Hat Home Insurance Policy



As a young homeowner in Medicine Hat, it is sometimes easy to neglect the importance of home insurance coverage.

The truth is that this type of coverage is absolutely necessary to the well-being of your family. Not only does it have the potential to save you tons of trouble down the road -- it even has the potential to prevent you from going bankrupt. Now you might think that "going bankrupt" will never happen to you. While it is certainly unlikely to happen, as long as the possibility remains you should never overlook it.

You see, losing your home to a fire or experiencing your first break-in are all very real, possible scenarios. Just because you are a young homeowner does not mean that you are immune to disasters. It is your responsibility, therefore, to do everything in your power to prevent such disasters from striking your home and your family.

It is also your responsibility to make sure that your back is covered if you are unable to completely prevent such disasters.

For you and many others, this is when a home insurance policy comes into play. Since many types of home insurance policies can be found out there, we recommend that you discuss with your insurance broker which one(s) would benefit you the most. Until then, you might enjoy doing a bit of research on your own. If you are feeling like it, you might even like to request a free Medicine Hat home insurance quote such as the one Sharp Insurance offers.

Just keep in mind that the faster you are at insuring your new home, the sooner you'll be able to sleep at night.

Owning a Motorcycle in Edmonton: What Type of Insurance Coverage Do You Need?



So you want to buy a motorcycle?

Great -- motorcycles are quite amazing. People especially enjoy the freedom that they offer. But the truth is that motorcycles can be dangerous. As such, insuring your motorcycle should always figure high on your list of priorities. If you live in the Edmonton area, then purchasing an Edmonton motorcycle insurance policy before hitting the road is absolutely crucial. But do you know exactly what type of coverage would benefit you best? Let's first take a look at the different policies out there.

The first (and most common) motorcycle policy is known as liability insurance policy. In the event that you are deemed to be at-fault in an accident or collision, this type of policy covers any damage or injury that you may have caused to property or another person.

The second most common type of motorcycle insurance policy in Edmonton is known as a collision insurance policy. Quite simply, this policy covers collision-related damage that has been done to your motorcycle -- even if the collision was your fault.

Lastly, for additional peace of mind you might consider purchasing a comprehensive insurance policy. The latter covers your motorcycle from non-accident related perils, including vandalism and fires.

While we don't recommend using your motorcycle without being covered under those policies, we understand that not everyone can afford to purchase three policies for their motorcycle. In this case, the best thing to do to purchase a liability insurance policy and consult with your insurance broker to further discuss your motorcycle insurance needs.

Saturday, 23 August 2014

New Driver Car Insurance Coverage: Who Needs It?



Being a new driver in Edmonton can be tough.

In-between the pressure of learning how to drive properly, you sometimes have to deal with the pressure of finding a car insurance policy that is both reliable and affordable.

Fortunately, if you live in the Edmonton area, many companies offering Edmonton new driver car insurance quotes can be found online. If you have been labelled as a new driver, we recommend discussing with your insurance broker what type of coverage would benefit you the most.

With that being said, how does one exactly go about being labelled as a "new driver"? The truth is that you can't become one: You simply are one or not.

Teenagers often tend to be classified as new drivers. If you are the parent of a teenager learning how to drive, then it is your responsibility to declare your teen as a new driver to your insurance company.

In simple words, the term new driver refers to just that: A new driver, regardless of what age he or she is.

It is important to note that new drivers are not high risk drivers. The latter are drivers that have been labelled as such by insurance companies following several infractions and route accidents. While new drivers can often be high risk drivers, it is not always the case. If you have been labelled as a high risk driver, saving money on your insurance premiums is doable.

Likewise, new driver car insurance coverage doesn't have to be too expensive. In a future blog post we will be discussing the different ways that you can go about saving money on your monthly premiums as a new driver. Until then, stay safe on the roads!

Tuesday, 19 August 2014

How to Properly Insure Your Business


If there is one thing that every business owner should be aware of, it's how to properly insure their business. Here's why: We live in a very litigious world. Because of this, getting sued is a very real possibility. No scratch that -- it's a constant threat.

This is why Sharp Insurance and several other companies offer Grande Prairie commercial insurance policies. As we like to say, prevention is the key. No business is immune to lawsuits, regardless of whether they are founded or not. The unfortunate truth is that small business have even less tools and experience to deal with them.

So the question remains: If you own a small business, how do you go about preventing lawsuits? Of course you know that you need to insure your business, but do you know exactly what policy or policies would benefit you the most?

While we always recommend people to spend some time discussing this with their insurance broker, doing a bit of research has never hurt anyone. If you own a business, the first policy that you should look into is known as commercial general liability insurance. The IRMI defines this policy as:

A standard insurance policy issued to business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability.
As an example, imagine a customer slipping and injuring themselves on your premise. In the event of the customer actually going as far as to file a lawsuit against you, not being covered under an insurance policy could well prove to be your business' downfall.

See where this is going? It is your responsibility, as a business owner, to do everything in your power to prevent such a scenario from happening. You did not build your business only for it to come crumbling down because of one simple mistake.

Of course, plenty of other commercial insurance policies are also available. If you rent or own your premises, you might be looking into purchasing a commercial property insurance policy. The latter covers your property from damage associated with various disasters. (Think fire and vandalism.)

Once again, your insurance broker knows what works best for you and your business.

Tuesday, 12 August 2014

Car Insurance Coverage: Is it Mandatory?



When it comes to owning a car, there are certain things to take into consideration. One of these things is whether buying a car insurance policy is worth it or not. Here's the thing: Accidents have happened, accidents happen and accidents will always happen. As long as those three facts remain unchanged, then yes, buying a car insurance coverage is mandatory.

Don't have one yet? Don't panic. Plenty of insurance companies offer affordable and reliable coverage. Check out Sharp Insurance's policy if you live in the Medicine Hat area: http://sharpinsurance.ca/medicine-hat-car-insurance-ab.php

And the good news is that there are hundreds of other companies out there offering free insurance quotes. Car insurance is a big market because people want to feel safe. Yes, it might be a bit expensive at first, but trust us -- it's worth it.

Hitting the road without adequate coverage can prove to be disastrous. Without this policy, then you have nobody to back you in the event of a car accident. And when you have nobody to back you up, you have to pay everything out of your own pocket, from your car repairs to (possibly) your lawyer.

Here at Sharp Insurance, we always say that prevention is key -- because it is. What is the point of waiting for a disaster to happen? By then it would be too late to turn back. So do yourself a favour: If you don't already have a car insurance policy, get one today. If you ever run into trouble on the road, you'll be thanking us a million times.


Friday, 8 August 2014

Home Insurance Coverage Tips



Are you the owner of a house and of a Calgary home insurance policy? Good, because this article might prove to be beneficial to you.

Here's why: Home insurance coverage can be expensive. By now, every home owner knows that. But what the majority of them don't know is that it does not always have to be this way. Don't believe us? Just take a look at how much money you can save by raising your deductible. (Be aware, however, that in the event of something happening to your house, you will have to pay the deductible. This is why we always recommend that people put some money aside before raising their deductible.)

And the good news is that raising your deductible is not the only thing that you can do to save money. As a home owner, you have several possibilities to choose from. One of the main culprits when it comes to expensive home insurance coverage is the lack of proper security. You would be surprised at how much money you can save by installing a security system and smoke alarms. In many ways, this type of policy resembles a car insurance policy: The latter can be reduced by installing a security system as well.

The third thing that you can do if you are interested in cutting down on your monthly premiums is to look for a way to combine your other insurance policies. Many companies offer discounts if you combine your home insurance policy with your car insurance policy.

Sounds too good? Well it really should not. Nothing prevents you from lowering your monthly premiums. All it takes is a bit of research! If other people can do it, then so can you.

Saturday, 2 August 2014

Are Motorcycles More Expensive to Insure?



Owning a motorcycle without owning an adequate insurance policy should be every motorcyclist's nightmare. Unfortunately, insurance policies can be expensive. But how expensive are they really? And how expensive are they compared to car insurance policies?

According to Motorcycle.com, here are the 10 most expensive motorcycles to insure.

Of course, though, not everyone is going to own one of these motorcycles. Many among us tend to gravitate towards less expensive, sometimes used motorcycles. The answer to that question, therefore, tends to vary a lot. Not only does it vary from motorcycle to motorcycle: It also varies from company to company. As an example, Sharp INSURANCE offers Fort McMurray motorcycle insurance policies that are incredibly affordable compared to most insurance policies offered on the market today.

Also keep in mind that many other factors come into play when calculating the monthly premiums of a motorcyclist such as yourself. From the set deductible to your history as a motorcyclist, insurance companies rarely leave details out of the equation. If you are a motorcyclist, we recommend that you instead focus on how you can make insurance policies cheaper rather than how much they cost in the short term.

Because yes, they are expensive. Once again, we can't say for sure whether they are more expensive than car insurance policies or not as they too vary greatly. But as we already said before, peace of mind is absolutely priceless. And as we also said before, it is not impossible to make motorcycle insurance policies cheaper. Interested in learning more about how you can do that? You might want to refer to this article.

Tuesday, 29 July 2014

Car Insurance Policies and High-Risk Drivers: Hopeless?



Being labelled as a high-risk driver is not something that any of us want to experience. The negative effects associated with this label are far too costly and bothersome. The truth, however, is that being labelled as a high-risk driver does not automatically mean that you are hopeless. Sharp Insurance, a company offering Red Deer high-risk car insurance coverage and free insurance quotes, is no stranger to high-risk drivers. What prevents you from being among them?

Insurance policies for high-risk drivers are becoming more and more popular. This is not surprising considering how many people regularly get labelled as one. While high-risk drivers will pay higher monthly premiums, regardless of what company they purchase their insurance policy from, the good news is that those monthly premiums can be lowered. If you are interested, you might want to refer to one of our earlier articles detailing how high-risk drivers can go about lowering their monthly premiums.

As you will see, high-risk drivers are nowhere near hopeless. More and more insurance companies begin to understand the importance of giving drivers a second chance, and on top of that it has become easier than ever to save on premiums!

As long as you have access to knowledge, then it's never too late to change your habits. As we said a few times before, driving is not a game. If you are currently a high-risk driver, it does not mean that you will remain one for the rest of your life. Learn from your mistakes, keep bettering yourself, and always exercise caution while on the roads.

Insurance Terms 101: What is a Broker?



If you have not done so already, be sure to read the first blog post in our "Insurance Terms 101" series. Do you know what a deductible is?

In the insurance world, a term that is widely used by people is "insurance broker".

The truth is that not everyone is aware of what a broker is, let alone what the benefits of hiring one are. If you are among those people, here is what you need to know: A broker works for you, and not for insurance companies.

A broker's main job is to sell insurance policies, regardless of what company those policies belong to. His or her second job is to ensure that your insurance needs are well taken care of. In other words, a broker is there to advise you on what type of policies will benefit you in both the short term and long term.

Along the way, a broker is also there to answer any insurance question that you might have, offer advice regarding deductibles and premiums and help you find the most effective and cost-effective insurance policies available on the market. Because of this job's nature, brokers always have to be completely unbiased and focused on their client.

While some people do well without a broker, there is no reason why you should not hire one. The world of insurance is vast and confusing, and it always feels good to have someone who knows their way around it close at hand.

And you know what the good news is? If you are are not sure whether or not an insurance broker is for you or not, many of them enjoy giving out free consultations to prospective clients.

Sunday, 20 July 2014

How to Save Money on Your Car Insurance Premiums


Insurance premiums can be expensive. This is not surprising. But the good news is that they don't always have to be that expensive. With a bit of preparation, here's how you can save money on your car insurance premiums:

1. Look around and compare. An insurance broker might come in handy for that. The world abounds with companies offering affordable policies: You just have to go out there and find them. If you live in the Calgary area, a good place to start from is Sharp Insurance's Edmonton car insurance policy. Here's more details about it: http://sharpinsurance.ca/edmonton-car-insurance-ab.php

2. Consider purchasing your auto insurance from the same company that provides your home insurance policy. Combining those two has the potential to save you a lot of money down the road (no pun intended).

3. Raise your deductible. Well, some people do it, so why not do it as well? Keep in mind, however, that this tip should only be used as a last resort. Raising your deductible might allow you to save money each month, but if you end up in a car accident, then you have to make sure that you can afford to pay your deductible.

4. Lastly, keep your car safe. You'd be surprised at how much money you can save each month by adding a high-quality anti-theft device in your car!

As you can see, insurance premiums don't have to be that expensive. All it takes is a bit of preparation and research. And you know what the other good news is? You can save money on every single insurance policy under your name. So what are you waiting for?


Friday, 18 July 2014

How to Baby Proof Your House


Owning a house can be a lot of trouble. In between finding the perfect home insurance policy and preventing it from being the target of thieves, you have to ensure that it is safe for little ones. The good news is that there are many ways to make your house baby proof, or at least more infant friendly. Here are some small tips to help you along the way:

1. Arm yourself with safety latches. This is the best way to prevent your children from opening drawers and playing with potentially dangerous household products and substances.

2. Install safety gates at the top and bottom of stairs. We all know how babies and young children like to wander around the house. Without proper surveillance, this natural habit can prove to be disastrous. As such, always ensure that safety gates are properly installed.

3. Always cover electrical outlets. This is absolutely imperative. Did you know that electric outlets can seriously harm and even kill someone? Don't risk it.

4. Prevent furnitures from tipping. Many tools to prevent furnitures from tipping can be purchased online. Think anchors and L-brackets, among others.

5. Keep dangerous objects at bay. Whether it be a glass pot on a window sill or a forgotten pair of scissors lying on the living room table, the more you think like a child, the quicker and better you will be at noticing dangerous objects lying around your house.

6. Lastly, always keep emergency numbers at hand. In the event of an emergency, you'll be grateful for this tip.

Tuesday, 15 July 2014

What is Advertising Injury Coverage?



As you probably already know, there is no such thing as an insurance policy that covers everything. This rule of thumb also applies to Sharp INSURANCE's Red Deer commercial insurance.

Within the field of "commercial insurance", there exist numerous policies. One of these policies is known as advertising injury liability policy. As the name entails, this type of policy covers a business from lawsuits related to advertising injuries. According to the IRMI, an advertising injury can entail any of these offenses:
libel, slander, invasion of privacy, copyright infringement, and misappropriation of advertising ideas
It is not uncommon for a business to sue another business, claiming that the latter has somehow damaged their business through an act, a practice or even a simple comment. As an example, think of a false claim made about a competitor's product by a company in an advertisement. In many cases, there would be enough ground for a lawsuit if the company had enough evidence to prove the offense and the related damage.

However, we are all humans and we sometimes make less than optimal decisions. As such, this type of insurance policy provides you and your business with adequate defense and indemnification for damage (assuming that the claim relates to advertising, of course).

If you are thinking of expanding your advertising presence (be it online or in the offline world), you should think twice about doing it without this coverage. Sometimes, all it takes is a simple mistake for your efforts to go to waste. The business world can be a tricky place and it's better to be insured than go bankrupt.

Friday, 11 July 2014

How Much Motorcycle Coverage Do You Need?


If you have recently purchased a motorcycle but are unsure of how much motorcycle insurance coverage you should have, then this article might prove to be useful to you.

First and foremost, you have to understand that Red Deer motorcycle insurance is a general term, or umbrella term. Many people think that buying a motorcycle insurance policy will automatically cover them and their motorcycle. The truth is that there is no single policy that covers everything. While many insurance companies such as Sharp Insurance offer packages to their customers, you have to keep in mind that there are a number of motorcycle insurance policies available out there.

Which brings us to our original question: How much motorcycle coverage do you need?

The first step to answering this question entails familiarizing yourself with the numerous policies available. The second step involves checking the legal requirements for owning a motorcycle in Alberta. Once this is done, you can take a step backward and contemplate which policy or policies would benefit you the most.

We recommend that you do not hit the road without being covered under a liability insurance policy. The latter protects you from financial loss associated with a motorcycle accident. Generally speaking, it covers bodily injuries sustained by yourself and third parties as well as property damage.

You have to remember, however, that the type of policies that you need will vary a lot. Many factors can influence which ones you will end up buying, including the type of bike that you own and the number of times that you have been involved in a road accident.

Monday, 7 July 2014

Staying Safe on a Construction Site: Basic Tips


Construction safety should always be #1 on a construction worker's list of priorities. After all, nobody is immune to mistakes, and mistakes often prove to be deadly in the construction industry.

The best way to avoid such mistakes is by preparing yourself in advance. If you are a seasoned constructor worker, going over some basic tips is always a good idea. Likewise, if you are a new worker then it applies to you as well. While owning an adequate Calgary construction policy is also a good idea, keep in mind that an insurance policy does not cover everything, and as such should only be used for additional peace of mind.

1. Always wear the proper safety gears. While this might sound obvious to some, you'd be surprised at the number of people who actually skip this step. Wearing a helmet can often make the difference between life and death.

2. Look around you. Being aware of your surroundings is absolutely vital. Also remember that stepping on the construction field in a tired state can be extremely dangerous. Always ensure that you are focused and well rested before going to work.

3. Learn the basic safety tips associated with the tools you use. Whether those tips include wearing ear plugs or dealing with heavy machinery, learning how to stay safe around your tools is absolutely crucial. Keep an eye out for any of your co-workers who might not be as careful as you!

4. Lastly, know how to react in case of emergencies. Devising a safety plan is a very good idea. Remember that the faster you act, the less damage there is bound to be. Here is a wonderful article detailing some basic first aid advice.