I do the odd handyman job on weekends. If I was sued, would my home policy respond to this?

No, it would not. In order to insure any commercial operations, it is important to have a commercial liability policy in place. Even if you are working for friends or family, it is always important to have a liability policy in place to protect you in the event of a lawsuit.

If I use my vehicle 50% for pleasure and 50% for business purposes, it is okay to have it rated for pleasure use?

No, it is not. If a vehicle is used for business purposes, whether it is sales, construction or any other occupation, it is important to have it rated this way to ensure proper coverage is in place.

Do I need to list my child on my auto policy or would they be covered automatically?

It is important that all licensed drivers living in the household are listed on your auto policy unless they have their own auto policy elsewhere. Failure to have all licensed drivers listed on your auto policy could result in denial of a claim.

Does my home policy cover my garden tractor?

If your garden tractor is over 30hp, it needs to be scheduled on your home policy. There is usually a limit of approximately $15,000 for garden tractors that do not exceed 30hp included in the special limits section of your home policy (please refer to your specific company wording for exact limits).

Am I covered if I rent a vehicle?

If your auto policy has the OPCF 27 endorsement then yes, you are covered if you rent a vehicle in Canada or the United States. However, specific limits and time frames apply to this coverage. Therefore, it is important to contact your broker to review this coverage with them.

What is the OPCF20/27 on my auto policy mean?

These Ontario Policy Change Forms provide you with the following; OPCF 20 – This change form provides coverage for transportation replacement. For example, if you have been in an accident and your vehiclecannot be driven, you will have coverage to rent a vehicle up to the limit on your policy. OPCF 27 – This change form provides you with comprehensive and collision coverage if you damage a rented vehicle. Your liability coverage and accident benefits coverage on your auto policy would apply to the rented vehicle. This coverage is only applicable while you rent or borrow a vehicle in Canada and the United States.

Is my jewelry covered under my contents on my homepolicy?

There is a section in your home policy called special limits. This will include some coverage for Jewellery. Limits vary by insurance company, but there is usually around $5,000 for Jewellery coverage. Any big items,such as watches, wedding bands, etc., should be scheduled on your home policy. If you have questions on your specific coverage, it is important to contact your broker.

Are my recreational vehicles insured under my homepolicy?

No, they are not. A recreational vehicle requires a separate insurance policy or in some cases, it can be added onto your auto policy.

Can I insure my friend’s car?

No, you cannot. To insure anything, you need to have insurable interest meaning your name must be on the ownership.

If I am renovating my house, do I need to let my broker know?

This depends on the size of the renovation. Cosmetic renovations such as new flooring, painting or updates to kitchens and bathrooms are not a material change in risk and therefore, do not need to be noted. However,if you are adding value to the house, such as finishing the basement, it is important to let your broker know, so we can ensure the limit on the house is sufficient. Any renovations that include additions to the house are important to let your broker know, so they can ensure proper coverage is in place, as this is a material change in risk.

7 Tips to Drive Safely During the Winter

Ontario winters bring more than just snow and cold. They bring slippery roads, whiteouts, icy intersections, and unpredictable weather, all of which make winter driving one of the most dangerous parts of the season. With shorter days and fluctuating temperatures, staying safe behind the wheel means adjusting your habits and being prepared for the worst.

At James Campbell Insurance, we want you to stay protected, on the road, and on your policy. These practical, proven safe driving tips can help reduce your risk of accidents and keep your auto insurance rates steady through the season.

Essential Winter Driving Tips for Safer Roads

These seven tips aren’t just about avoiding fender benders; they’re about preserving your peace of mind. Whether you’re commuting to work, heading out for groceries, or planning a weekend trip, here’s how to stay safer on snowy, icy Ontario roads.

1. Slow Down and Increase Following Distance

Speed and snow never mix well. When roads are slick or visibility is poor, your reaction time matters more than ever, and higher speeds make it harder to stop safely.

Driving slowly gives your tires more time to grip the road and your brakes more time to do their job. It also helps reduce the likelihood of losing control on black ice or snow-packed streets. And when you’re following other vehicles, double your usual distance. If you normally leave three seconds between cars, leave six or more in poor conditions.

Also remember:

Brake and accelerate gradually to avoid sliding.
Start slowing down early before intersections or turns.
Leave extra time for your trip so you don’t feel pressured to rush.

2. Use Winter Tires

If you’re still using all-season tires in the middle of January, you’re not getting the grip or control you need. Winter driving requires winter tires. They’re designed to remain flexible in cold temperatures, with deeper tread patterns that push snow and slush away from the tire surface.

Winter tires can significantly improve handling, braking, and control on icy and snowy roads. In fact, in Ontario, many insurers offer discounts for drivers who install winter tires.

Make sure to:

Install winter tires on all four wheels for balanced handling.
Check tire pressure regularly; cold air can reduce PSI.
Replace tires when tread wears down or after six seasons.

3. Keep Your Vehicle Maintained

Even the best driver can get stuck in bad weather without a well-maintained vehicle. Cold temperatures are hard on batteries, wipers, and fluids, and those systems become critical during winter road safety situations.

Start with a full winter check-up. Have your battery tested, replace worn wiper blades, and top off all fluids (especially washer fluid and antifreeze). Make sure your heater and defroster are working properly so you can maintain visibility and cabin comfort.

Also, pack an emergency kit with:

Blankets
Jumper cables
Flashlight
Ice scraper and shovel
Non-perishable snacks and water

Being prepared can make all the difference if you’re stuck on the roadside waiting for help.

4. Clear Snow and Ice Completely

It’s not just about what you can see, it’s also about what others can’t. Driving with snow-covered windows or a frosted windshield is dangerous for everyone. It reduces your visibility and makes it harder for others to see your signals, lights, and vehicle position.

Always take time to remove snow and ice from:

Windshield and windows
Roof and hood
Headlights, taillights, and signal lights
License plates, rearview cameras, and sensors

Leaving snow on your roof can blow onto the windshield while braking or slide onto another driver’s vehicle. Cleaning your car thoroughly is a small step that helps prevent major hazards.

5. Stay Informed About Road and Weather Conditions

Before heading out, check the forecast and road conditions using trusted sources like Ontario 511 or local traffic apps. This helps you make better decisions, like delaying a trip, taking a safer route, or packing extra gear.

Avoid driving during blizzards, freezing rain, or major snowfalls whenever possible. If you must go out, choose well-plowed roads and give yourself extra time.

Tips for staying ahead of conditions:

Download a weather and traffic app with push notifications
Listen to local radio stations for traffic updates
Plan alternate routes in case of closures or delays

Planning ahead keeps you off dangerous roads and helps reduce the likelihood of needing to file an insurance claim.

6. Avoid Sudden Movements

Winter roads are less forgiving when it comes to sharp turns, quick stops, or overcorrections. If your tires lose grip, even for a second, any sudden move can turn a small skid into a major spinout.

Practice smooth, steady steering, and brake gently before entering a curve or intersection. If you feel your vehicle slipping, ease off the gas and steer in the direction of the skid until you regain traction.

It’s also helpful to practice winter driving techniques in an empty parking lot:

Start and stop slowly
Practice turning at low speeds
Get used to how your vehicle handles in the snow

Understanding how your car behaves on slick surfaces can make all the difference when you’re faced with the real thing.

7. Make Sure You Have the Right Insurance Coverage

Even the safest driver can be caught off guard in Ontario’s winter. Slippery roads, other drivers’ mistakes, and reduced visibility can all lead to collisions or damage. That’s why having the right auto insurance coverage is essential.

A proper policy offers financial protection, peace of mind, and quick access to support when you need it most. It’s also a smart time to review your current policy and ensure your coverage meets your needs.

At James Campbell Insurance, our brokers can help you:

Review and update your coverage for winter risks
Explore options like collision, comprehensive, and roadside assistance
Find available winter tire discounts from insurers

How Winter Affects Auto Insurance Claims

It’s no surprise that winter brings an uptick in auto insurance claims. From fender benders to full collisions, winter road safety issues account for a large share of seasonal claim volume. Snow, ice, and freezing rain reduce control and visibility, leading to accidents even for careful drivers.

The good news? Safe driving habits help reduce your risk and can even protect your insurance rates over time. Many insurers consider driving history when renewing or adjusting rates. Fewer claims, fewer tickets, and proactive safety habits can all help you stay in a better premium bracket.

And when things do go wrong, working with a local broker like James Campbell Insurance ensures you get the support, coverage, and advice you need, without the guesswork.

Be Ready for Winter Roads with James Campbell Insurance

Winter driving takes more than just a set of snow tires. It takes planning, awareness, and the right protection. From adjusting your habits to reviewing your coverage, staying safe on Ontario roads means thinking ahead.

James Campbell Insurance is here to help with tailored auto insurance solutions designed for your needs and your vehicle. Whether you’re a daily commuter or a weekend road tripper, we’ll make sure you’re covered this winter and beyond.

Reach out to James Campbell Insurance today at 1-833-459-1065 or click here to get in touch online.