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Tip of the Month

                                                                                                       Barbecue Season Is In Full Swing: Don’t Go Up In Flames

The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
•    Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions. 
•    Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas. 
•    When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
•    Make sure your fire extinguisher is easily accessible and in good working order. 
Additional Tips
•    Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
•    Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
•    Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.

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Why Do Ontario Drivers Pay More Than Other Canadians?

                                                                      Why Do Ontario Drivers Pay More Than Other Canadians?


The insurance landscape in Ontario is different than elsewhere in Canada. The minimum coverage offered to consumers is set by the Ontario  government. Its broader than what is offered in other provinces. Insurance companies cover medical expenses after a vehicle accident. The majority of these costs are not covered by OHIP which isn’t the case elsewhere in Canada. The insurance product framework incentivizes the escalation of claims which in turn increases lawyers’ contingency fees. Insurance fraud is more prevalent in Ontario than elsewhere in the country. There are many inefficiencies within the auto insurance framework in Ontario which leads to higher rates across the board.

FSCO, the government regulatory agency overseeing Ontario auto insurance has been replaced with FSRA, the Financial Services Regulatory Authority. Revamping the Ontario auto insurance product is a high priority item on their agenda, so changes are likely to come at some future point.