Resources
Guides and checklists
Plain-language help for Ontario drivers, homeowners, business owners and families. Free to use, and no email required.
Free checklists
Tick through them on your phone, print them, or send me a request to go through one together.
Ontario auto insurance renewal checklist
A free 12-point checklist to review before your Ontario car insurance renews, including the July 2026 accident benefit choices.
Open checklistOntario home insurance checklist
A free checklist for Ontario homeowners: dwelling limits, water damage coverage, valuables, basement units and more to review before buying or renewing.
Open checklistOntario small business insurance checklist
A free checklist for Ontario small business owners: liability, property, auto, cyber, business interruption, contracts and lease requirements.
Open checklistContractor insurance checklist
A free checklist for Ontario contractors and trades: CGL limits, tools, vehicles, certificates, subcontractors and WSIB before your next job.
Open checklistCommercial insurance renewal checklist
A free checklist to prepare for your commercial insurance renewal: changes in revenue, operations, property values, vehicles, contracts and claims.
Open checklistLife insurance planning checklist
A free checklist to work out how much life insurance you may need: debts, income replacement, education, existing coverage and beneficiaries.
Open checklistGuides
Ontario’s July 2026 auto insurance changes: what you now have to decide
Since July 1, 2026, many Ontario auto accident benefits are optional. Here is what stayed mandatory, what changed, and the questions to ask before your renewal.
Read guideWhy did my car insurance go up without an accident?
Seven common reasons Ontario car insurance premiums rise at renewal even with a clean record, and what you can do about it before you renew.
Read guideWhat insurance does a contractor need in Ontario?
General liability, tools and equipment, commercial auto, WSIB and more. What Ontario contractors typically need and how contracts set the requirements.
Read guideTerm vs permanent life insurance: how to choose
Term life versus whole and universal life explained simply: cost, duration, cash value, and which needs each one fits. With a simple comparison table.
Read guideWhat are segregated funds?
Segregated funds explained: maturity and death benefit guarantees, estate and creditor features, costs and risks, and how they differ from mutual funds.
Read guideReady to compare your options?
Tell me what you need covered. I’ll review it with you, explain your choices in plain language, and follow up at a time that suits you.