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Changes to Auto Insurance – Sept. 1st, 2010In an attempt to stabilize auto insurance rates in Ontario, the Ontario Government has introduced changes to the coverage’s within the automobile insurance policy. As a result of these new laws you now have more choice when it comes to selecting your auto insurance coverages to best meet your individual needs.
These changes will affect drivers buying a new policy or renewing an existing auto policy beginning September 1, 2010.
As of September 1, 2010, drivers will be able to:
• Choose the insurance coverage that best meets their protection needs
and budgets.
• Customize their level of income replacement, medical, rehabilitation,
attendant care, caregiver, housekeeping, death benefits and home
maintenance coverage; and
• Better integrate their auto insurance with private disability insurance
coverage, or individual or group health insurance coverage.
We encourage clients of Mitchell Sandham Insurance Brokers to speak to their dedicated insurance advisor to review these changes and to select the coverages that meet your specific needs. Speaking with a licenced insurance broker will help you make an informed decision regarding your auto insurance coverage.
Mitchell Sandham Insurance Brokers has created a checklist resource for our existing and new clients. This checklist outlines the new limits of coverages that your auto insurance policy will have when it renews after September 1st, 2010. The checklist also outlines the new options that are available to you. Please print off this form and call your dedicated insurance advisor at Mitchell Sandham to discuss these options. We encourage you to make informed decisions and we are here to help you do just that!
To learn more about the auto insurance reforms, click on one of the links below for further references:
Dominion of Canada Insurance Company
Financial Securities Commission of Ontario
Accident Benefits Checklist
Mitchell Sandham Group
July 8th, 2010
| GREG SHIELDS JOINS THE MITCHELL SANDHAM TEAMGreg has dedicated his career to being a trusted advisor to his clients for strategic decisions regarding risk management, corporate governance, and executive liability, professional liability and crime insurance. Those clients include financial services firms, publicly traded companies, worldwide non-governmental organizations, start-up and growing entities and not-for-profit organizations. His 15 years experience includes financial analysis, underwriting, management and executive positions with international insurance companies, and national practice responsibilities with a large insurance brokerage. Greg holds his Bachelor of Commerce from the University of Windsor, the fellowship in risk management (FRM) and is a director with two not-for-profit organizations serving seniors in the community and children and adults with communication disorders. He is a competitive barbershop quartet singer and an extremely average golfer. Greg lives in Etobicoke with wife and two sons.
Greg Shields
Partner, Mitchell Sandham Insurance Brokers
Corporate Risk Management
Financial Services and Executive Liability
gshields@mitchellsandham.com
Tel: (416)862-5626
Mitchell Sandham Group
March 12th, 2010
| MITCHELL SANDHAM'S NEW BLOGWe are excited to introduce our new Blog. We will be posting articles that our clients and prospects will find interesting and informative. These postings will include topics such as loss prevention, new product offerings, coverage issues and claims service to name a few. Please keep checking our Blog for new postings as we will be constantly updating throughout the year.
Click the link below to visit our Blog,
Mitchell Sandham's BLOG
Mitchell Sandham Group
January 1st, 2010
| WE ARE GROWING! NEW AJAX OFFICE NOW OPENMitchell Sandham Ajax
467 Westney Road, South, Unit 13
Ajax, ON L1S 6V8
T: (905) 683-4549
F: (905) 683-7536
Office Manager: Gary Sooklal
gsooklal@mitchellsandham.com
| IMPORTANT ANNOUNCEMENT FOR OUR CORPORATE CUSTOMERSIn October 2006, the world famous Cleveland Clinic opened Cleveland Clinic Canada an executive wellness center in downtown Toronto. Located in 26,000 square feet in BCE Place, this is a state-of-the-art facility.
Mitchell Sandham is pleased to announce a strategic relationship with Cleveland Clinic Canada that provides access to the clinic’s Cleveland Clinic-Canyon Ranch Executive Health Program for Mitchell Sandham customers.
Executive Wellness is a hot topic with companies today. Employees value this benefit when offered by employers. Companies value this benefit because it helps attract good people, and improves productivity of the workforce.
Included in the program is an annual physical assessment and post assessment Health Solutions including:
Cancer prevention – colorectal, breast, prostate
Cardiac counseling and rehabilitation
Men’s and women’s health
Sports and Orthopedics
Obesity and Diabetes
Cosmetic and Dermatology
Travel Medicine
Treatment referral service to Cleveland Clinic in Ohio or Florida
To learn about this exciting new facility, go to Cleaveland Clinic Canada
For more information, or to arrange a tour, call John Danson at 416-507-6611
John can be contacted by email at danson@ccf.org.com
Mitchell Sandham Group
November 7th, 2006
| IMPORTANT ANNOUNCEMENT TO OUR CUSTOMERS & SUPPLIERSDisaster Recovery & Business Continuation Plan
Recently our firm has contracted with Agility Recovery Solutions to protect us in the event of a disaster affecting our ability to operate from our current premises. Within 48 hours of a disaster or business interruption, Agility will deliver the resources and tools that are necessary to resume operations.
This means, in the event of a disaster that might affect your business and/or ours, we expect to be there for you, to help facilitate whatever insurance services you need to keep your business running.
The Agility disaster solution includes a mobile office complete with computers with our software installed, satellite telephone service, and stand alone power supply. Agility also helped us put together our own disaster recovery plan.
We believe that this action on our part will provide a level of comfort and confidence to our customers and suppliers, that we will be there when you need us, and will set us apart from other brokers who may not be as prepared.
If you have not prepared your own disaster recovery plan, Agility may have something to offer you. Or if you already have a plan, but are not sure how to facilitate it, Agility may be of help.
You can view Agility Recovery Solutions website at Agility and check out the Katrina Video highlighting their recovery efforts last year.
Mitchell Sandham Group
March 7th, 2006
| PACKAGED POLICIES FOR GRAPHIC DESIGNERSMitchell Sandham is excited to announce the introduction of a packaged policy for Graphic Designers. We are also excited to announce a new partnership with the Registered Graphic Designers of Ontario (RGD) and their members.
The main coverage’s contained within these policies include: Commercial General Liability, Errors & Omissions Liability (Professional Liability), Office Contents, Computer Equipment Coverage and Building Coverage. These are packaged policies, which means they are designed specifically for Graphic Designers and include unique coverage’s geared towards the operations of Graphic Designers.
Several of our insuring partners specialize in insuring Graphic Designers. Operations can include: web design, computer consulting, programming or graphic design.
Please contact Ryan Mitchell for further information at rmitchell@mitchellsandham.com
Mitchell Sandham Inc.
August 11th, 2005
| MITCHELL SANDHAM AWARDED AS PATRON OF THE YEAR BY TIWAMitchell Sandham has been acknowledged as the Patron of The Year by the Toronto Insurance Women's Association (TIWA). This is TIWA’s way of recognizing the significant contribution and loyal support of TIWA’s goals and objectives made by Mitchell Sandham. The Patron of the Year Award Committee is comprised of our Past Presidents, who work with the names submitted by TIWA members and base their decision on specific criteria.
Mitchell Sandham Inc.
January 31st, 2007 | OUR DISCLOSURE POLICY STATEMENTIt is important for you, our customer, to know we are a truly independent insurance broker. No insurer owns shares in our company. No insurer has loaned money to our company. We have no special financial arrangements with any insurer. Therefore, we are in a position to provide objective, unbiased professional service and advice on your insurance needs. We value this independence, and consider the maintenance of this stature to be of the highest importance.
Our statement on services provided:
Our role is to provide you with the best insurance value, combining coverage, service, and price. We also provide personalized, quality service that includes professional insurance advise, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.
Our statement on broker compensation:
See commission summary below.
Our statement on broker contingent (profit) commission:
In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. Our contracted insurers recognize our efforts through a contingent commission contract. Payment of contingent commissions may depend on profitability, volume, retention and growth. Contingent commission is not guaranteed. For detailed information on contingent commissions, please refer to the individual company's website.
Our disclosure statements are made in the best interest of consumers. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.
Mitchell Sandham Inc.
December 14, 2004
SUMMARY OF BROKER COMMISSIONS
(expressed as a percentage of premium)
| | Personal Auto | Personal Property | Commercial Auto | Commercial Property | | AXA Insurance Co. | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | Chubb Insurance Co. | 7.5 to 10 | 20 | 7.5 to 10 | 10 to 20 | | Citadel Insurance Co. | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | Dominion Insurance Co. | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | Economical Insurance Co. | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | ING Insurance Co. | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | St. Paul Insurance Co. | n/a | n/a | 7.5 to 12.5 | 10 to 20 | | Perth Insurance Co. | 5 to 12.5 | 15 | n/a | n/a | | Pilot Insurance Co. | 7.5 to 15 | 24 | 7.5 to 12.5 | 10 to 20 | | Royal & Sunalliance | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | Wawanesa Mutual | 7.5 to 12.5 | 20 | 7.5 to 12.5 | 10 to 20 | | Western Assurance Co. | 7.5 to 12.5 | 20 | n/a | n/a | | Zurich Insurance Co. | n/a | n/a | 7.5 to 12.5 | 10 to 20 |
Mitchell Sandham Inc.
December 14, 2004
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