DMW Insurance

Products And Services

• Business Insurance

  Do you want to save time and money? We do business insurance shopping for you. We work with Canada’s leading insurance partners to get you the right coverage at the right value. Business insurance helps you protect against: “Slip and fall” lawsuits Theft Fire Vandalism Cyberattacks Equipment breakdown Defective products And more so that you’re not out of pocket Here are 3 essential commercial insurance coverages to protect your business: Commercial General Liability (CGL) insurance: If a customer slips and falls at your business or a customer’s property is damaged, CGL insurance helps protect you financially if you are found legally responsible for third-party injury or damage. Without commercial general liability insurance, you would be responsible for paying any liability costs out of your own pocket. Commercial Property insurance: It keeps your business protected from property losses, such as theft, fire, or vandalism. You can also add earthquake insurance, sewer backup or flood coverage extensions to protect your business. Commercial auto insurance: A small business should have commercial auto coverage as part of your insurance package. Personal car policies will not cover you or any employees.

  Link: Business Insurance

• Home Insurance

  We work with Canada’s leading insurance partners to get you personalized coverage for your home at the right value for you. Active nationwide. What to know about buying home insurance with Western: When you bundle your home insurance and car insurance, you can get a discount and you’ll get one bill, not two, every month. Water detection alarms, intrusion and fire alarms can get you discounts. Ask for details. Ask for discounts. Are you claims free or mortgage free? Are you a mature homeowner? See if you qualify for these discounts and others. What does home insurance cover: Theft Fire Third-party “slip and fall’’ accidents Vandalism Some weather-related events like ice damage, hail and windstorms, tornadoes, hurricanes, and wildfires

  Link: Home Insurance

• Car Insurance

  We work with Canada’s leading insurance partners to get you the right car insurance coverage at the right value. Save on your car insurance when you bundle it with your home insurance When you bundle your car and home insurance, you can get a discount and it’s an easy way to cut costs without cutting coverage. You’ll also get one bill instead of two. If you have more than one car and they’re insured under the same policy, you can save with a multi-vehicle discount. If you’re a renter, you can bundle your renter's insurance with car insurance to get a discount. Mandatory insurance coverage for all Canadian provinces and territories: Liability coverage covers losses such as injury or death and covers damage to the other party if you are found to be at fault for an accident. Accident benefits/bodily injury insurance covers the cost of your own medical expenses and loss of income when you are in an accident. Optional car insurance coverage: Collision insurance covers the cost of repairing or replacing your car if you hit another vehicle or object. Comprehensive insurance covers the cost of repairing or replacing your car due to damage from vandalism, fire, or theft.

  Link: Car Insurance

• Life Insurance

  Our insurance experts know that life insurance is about looking to the future so that you are ready for tomorrow. Do you want life insurance to be less complicated? We work with Canada’s leading insurance partners to get you the right life insurance coverage at the right value. How can life insurance protect you? Helps cover final expenses such as a funeral/cremation Helps pay off any debts Helps pay off your mortgage Helps with other obligations such as caring for elderly parents Provides funds for your children’s education

  Link: Life Insurance

• Farm Insurance

  Farm, Ranch & Crop Hail Insurance. Our farm insurance experts will get you tailored coverage to protect your way of life. How farm insurance protects you Protects farm buildings like barns and silos and your home Protects against lawsuits for personal injury or property damage claims related to your farming operations and products Protects against the loss of livestock, crops, dairy and eggs due to illness, contamination, and viruses. Hail is one of Canada’s most expensive hazards. Your crop hail premium is determined by such aspects as the number of acres and the crops you’ve planted. Did you know that hail insurance can also protect your crops from fire? You can insure: Your home Machinery, tools, equipment, and parts Crops Livestock Outbuildings Business activities such as agritourism, animal shows, farmers’ markets Fertilizer, chemicals, and feed

  Link: Farm Insurance

• Boat Insurance

  Our boat insurance experts will get you the right boat insurance so that you’re confident when you’re out on the water. Your home insurance policy provides limited coverage for watercraft and often restrict what they will insure based on length and/or horsepower of your boat. What you need to know about boat insurance in Canada Protects your boat Boat insurance protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items. Liability Liability insurance for your boat helps protect you financially if you cause someone’s death or injury, or cause damage to another person’s boat or property while you’re operating your boat. It’s recommended that you have $3 million or more in boat liability insurance as part of your marine insurance policy. It helps cover legal fees and medical bills, which can be expensive without boat insurance. Your belongings Marine insurance helps protect your clothes and personal effects, sports, and fishing equipment as well as your passengers’ personal items against damage and theft while you’re on your boat.

  Link: Boat Insurance

• Disability Insurance

  Our life insurance experts will work with you to find the right disability insurance to help protect your family and your finances. Disability insurance provides monthly payments that can be used to pay: Mortgage or rent, loans and credit cards, tuition fees, monthly bills, living expenses and medical expenses. How disability insurance can protect you If you pay the entire amount of the disability premium yourself through insurance, your disability benefits will be tax-free. Disability insurance can help replace your income. It helps protect your savings and what you are putting away for retirement. What is short-term disability insurance? Your employer may offer short-term disability that covers 60% to 80% of your lost income and it typically lasts for up to six months. What is long-term disability insurance? Long-term disability plans usually replace 60% to 70% of your pre-disability income.

  Link: Disability Insurance

• Critical Illness Insurance

  Our insurance experts will make sure you get critical illness insurance that’s right for you so that you can focus on your recovery. What is critical illness insurance? Critical illness insurance can give you a tax-free payment if you’re diagnosed with a serious condition. Your contract will define which conditions you’re covered for, but some examples include cancer, heart attack, stroke, Multiple Sclerosis, Alzheimer’s disease, among others. Critical Illness Insurance can help in covering the costs associated with surviving a major illness such as: Lost wages Lost income for people who are self-employed Prescription drugs or treatments not covered by government plans Travel expenses for out-of-town treatment Mobility aids and assisted living supplies Home refitting and adaptation Homecare, childcare or housekeeping Mortgage and debt repayment

  Link: Critical Illness Insurance

• Electric Car Insurance

  In some ways electric vehicles (EVs) are easier to care for than gas powered cars. They have fewer fluids, and do not need new spark plugs, or oil or gas filter changes. They do not have multi-speed transmissions or exhaust systems. EVs, though, do require specific care. Insure your electric car and learn more about electric car ownership with our expert insurance team.

  Link: Electric Car Insurance

• Seasonal Property Insurance

  Seasonal property insurance is similar to your homeowner’s insurance policy, but with special allowances to reflect periods of off-season vacancy. Seasonal property policies may exclude some coverages that are available with traditional home insurance policies – like sewer back up and outdoor property. Benefits of seasonal property insurance: Helps protect against insured risks like fire, theft, vandalism, or damage by some animals Helps protect you financially against insured damage or loss to furniture, clothing and other personal property inside your seasonal home or outdoor structures Helps protect you financially if you accidentally cause property damage or bodily injury to others

  Link: Seasonal Property Insurance

• Mobile Home Insurance

  Mobile home insurance protects your mobile home in much the same way a typical homeowner policy does, with some differences. Mobile Home Insurance provides coverage for: The structure of the mobile home such as the walls and roof should they be damaged Your belongings and personal property whether they are stolen or damaged while inside your mobile home or outside Liability protection in case someone is hurt on your property and launches legal action against you Did you know? There is optional coverage available for your mobile home that includes emergency removal expense and transportation coverage should you need to move your mobile home. Ask about the possibility of a discount if you bundle your mobile home insurance with your car insurance.

  Link: Mobile Home Insurance

• Condo Insurance

  Benefits of condo insurance Protects personal belongings Protects you in the event someone is injured on your property You are concerned that your condominium corporation doesn’t have sufficient loss or liability coverage for the building and common areas. Talk to us about Loss Assessment Coverage and Liability Loss Assessment Coverage for added protection. Your condominium corporation insurance does not cover your personal belongings, upgrades you made to your unit, or your legal liability for injury occurring on your property. If there is a claim made against your condominium corporation or major damage to common areas such as a pool and it exceeds the corporation’s liability coverage limit, you and the other condo owners may be held legally responsible.

  Link: Condo Insurance

• Small Business Insurance

  Our insurance expertise will benefit your small business. We are skilled insurance shoppers. We work with Canada’s leading insurance partners to get you customized commercial insurance at the right value to protect your small business from the unexpected. Owning a small business is a lot of work and comes with risks. Minimizing any risks is a healthy business strategy for your small business. Protecting your business and your employees with TotalProtect Commercial Insurance is a smart investment for your future. TotalProtect Commercial Insurance is a package of insurance coverages for your business. It includes: Commercial general liability insurance. This type of coverage helps provide protection if your business faces a liability claim for bodily injuries or property damage from a customer, supplier, or seller (third parties). Commercial property insurance. Commercial property insurance provides protection for the physical assets of your business, such as buildings and their contents, as well as business interruption coverage. Professional liability insurance. Professional liability insurance helps cover the costs that come with unexpected lawsuits that may arise due to an error or omission in your work. Cyber liability insurance. It helps minimize the impacts of a cyber attack or data breach on your business with comprehensive coverage options.

  Link: Small Business Insurance

• Retail Business Insurance

  Western Financial Group is an award-winning brokerage. Our business insurance experts will get your business the right coverage to protect what you’ve built. Our insurance experts work with top quality insurance companies to get you the right coverage at competitive rates in just minutes. Let us do the shopping for you.

  Link: Retail Business Insurance

• Restaurant Business Insurance

  Western Financial Group is an award-winning brokerage. Our business insurance experts will get your restaurant the right coverage to protect what you’ve built. Our insurance experts work with top quality insurance companies to get you the right coverage at competitive rates in just minutes. Let us do the shopping for you.

  Link: Restaurant Business Insurance

• Landscaping Business Insurance

  The nature of your work takes you from client site to client site. That means having the right coverages to protect you and your business so that you can get the job done. Here are the coverages that you will need: Commercial general liability: It will protect you against a wide range of basic risks and accidents. It protects your business if you’re found legally liable for bodily injuries or property damage to a third party caused by your products or services, employees, or accidents on your premises or at a customer’s location. Contractor’s equipment and tools floater: You have valuable equipment that you use for lawn care and landscaping work. Contractor’s equipment floater insurance covers your portable equipment, such as your mowers, trimmers, rollers, that is taken from your home base to different client locations and covers it from direct physical damage, loss, theft, and vandalism. Without equipment floater Insurance, your business would have to cover the costs to repair or replace your equipment to continue to service your clients. This type of insurance requires you to list all your items so remember to make a list of all your equipment and tools to ensure they are covered. Commercial auto insurance: Whether you use company-owned vehicles or your own vehicle to transport your tools and equipment between job sites, you need to have commercial auto insurance. This type of insurance protects you in the event of an accident involving your company vehicle and can provide coverage if injury, damage, or theft occurs. Commercial Property insurance: If you have a workshop or office for your lawn care and landscaping business where you store your equipment, client information and other documents, you need commercial property coverage. It will provide protection in the event of a covered loss, including theft, water damage or fire.

  Link: Landscaping Business Insurance

• Real Estate Business Insurance

  Western Financial Group isyour trusted insurance expert in the realty and property management industry. Whether you own a residential rental property, commercial rental property, Air BNB or apartment complex, Western Financial Group offers a variety of programs to ensure that you and your property are completely covered.

  Link: Real Estate Business Insurance