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Why Insurance Jargon Trips People Up Let’s face it – insurance isn’t always written in plain English. Between riders, endorsements,
The Connection Between Where You Live and What You Pay One of the most common surprises for policyholders is discovering
When it comes to home insurance, one of the most common points of confusion is the difference between replacement cost
Table of Contents Why Commercial Insurance Matters in 2026 Running a business in Ontario today involves more complexity than
As the days grow shorter and temperatures drop, it’s time for trailer owners to think about winter storage. Whether you
For many students, moving off campus is a rite of passage. It’s a chance to enjoy independence, decorate your first
Why Premiums Are Soaring Employers are seeing group health plan costs climb faster than almost any other business expense. Prescription
As summer fades and the crisp air of fall rolls in, many cottage owners across Ontario start preparing to close
If you got engaged this summer, congratulations! It’s one of the most exciting milestones in life – a moment filled
Pelham, Ontario – Duliban Insurance Brokers is thrilled to announce that through our recent charity initiatives, we have donated $64,000
Pelham, Ontario – Duliban Insurance Brokers is proud to announce that, effective June 2, 2025, we officially joined forces with
If you’ve ever driven down a country road in Ontario during October or November, you know how quickly a deer
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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