Hamilton Ward & Cathers and McFarlan Rowlands Insurance Brokers Integration Update

HWC Insurance Blog

We are pleased to share new developments regarding HWC’s integration with McFarlan Rowlands HWC will carry on business as usual for the remainder of 2021. In January, you will begin seeing the McFarlan Rowlands brand as our two organizations integrate. Please remember, your current coverages will remain in effect with no changes to premium or coverage for the current term of …

Can I Use My Personal Vehicle For Business

HWC Insurance Blog

Client Scenario 1: “I own a small business and the odd time I drop off orders to my customer’s home. Will my automobile insurance cover me should something were to happen?” Professional Answer: We understand that business models have been impacted by COVID-19. Businesses in communities across the province are working with customers to continue to offer their products whether …

Understanding Water Coverage on your Property Insurance Policy

HWC Insurance Blog

My broker recommends these coverages but what do they mean? There are many factors that come into play with water protection in regards to an insurance policy. Water protection against sewer backup and overland water losses is not automatically included in your home policy, these need to be added for an additional premium.  Sewer backup and overland water coverage protect …

Exciting Announcement!

HWC Insurance Blog

Hamilton, Ward & Cathers Insurance is happy to announce that as of January 1 we joined McFarlan Rowlands Insurance. McFarlan Rowlands operates 15 offices throughout Southwestern Ontario with over 160 staff members to service their vast client base. HWC and McFarlan Rowlands share the same values and service expectations. This amalgamation allows HWC and McFarlan Rowlands to expand substantially with …

Retention in a Hard Market

alexandra Blog

By: Alison Varga, Commercial Manager. We are six months into this hard market and brokers are feeling the pressure to retain their commercial clients. With underwriting guidelines tightening, rates increasing and company appetites changing (snowplow operations are now taboo) is it possible to retain commercial clients in a hard market? Yes we can! In fact this is the time where …

Cyber – Is your business at risk?

alexandra Blog

By Alison Varga, Commercial Manager. There has been a lot of talk, media coverage and articles written about cyber crime and the importance of insuring against the possibility of a cyber loss. But do your commercial clients “really” need it?? Unless your commercial client is selling lemonade on the side of the road the simple answer is YES! So what …