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The insurance industry is on the cusp of a technological revolution, with artificial intelligence (AI) leading the charge. As insurers
In the evolving landscape of employee well-being, mental health has become a critical aspect of overall health and productivity. Employers
Life insurance is a key tool to provide peace of mind and protection for your loved ones. With so many
As wildfires become an increasing threat to homes in high-risk areas, advancements in technology are playing a pivotal role in
Prescription costs are on the rise, with experts projecting a significant 7% increase in health benefit expenses in 2025. For
The gig economy is booming, with more individuals choosing freelancing and independent contracting over traditional employment. While this offers greater
The start of a new year is the perfect time to reflect on your goals and resolutions, and it’s also
While today may seem like an unlikely day to travel, it can actually be a strategic choice for many. For
As winter approaches, electric vehicle (EV) owners might wonder how their cars will perform when the temperature drops. While EVs
As we approach 2025, employers face a significant challenge in managing the costs and risks associated with group benefit plans.
As the holiday season swings into full gear, you might find yourself attending a variety of gatherings, parties, and dinners.
The shift to remote work has brought unprecedented flexibility and convenience, but it has also highlighted the importance of mental
Ontario’s auto insurance reform takes effect July 1, 2026. The new modular system makes many accident benefits optional, allowing drivers to customize coverage and potentially lower premiums, but increasing the risk of coverage gaps if key protections are removed. Big Changes Are Coming to Your Car Insurance Starting July 1, 2026, Ontario will introduce what’s called a modular or à la carte auto insurance model. Instead of every driver automatically paying for the same package of accident benefits, you will be able to choose the coverage that fits your needs and financial situation. The goal of this change is to give drivers more flexibility and, in some cases, reduce premiums. However, more choice also means more responsibility when it comes to protecting yourself and your family. These changes are part of the province’s broader auto insurance reform and are being implemented under the oversight of the Financial Services Regulatory Authority of Ontario (FSRA). What You Must Keep and What You Can Skip After July 2026, only three core accident benefits will remain mandatory: Medical care Rehabilitation Attendant care These cover essential treatment and support if you are seriously injured in a collision. Everything else will become optional, including:
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