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Rising Healthcare Costs: What Higher Premiums Mean for Employers

Why Premiums Are Soaring Employers are seeing group health plan costs climb faster than almost any other business expense. Prescription

Closing the Cottage: Fall Insurance Tips for Seasonal Properties

As summer fades and the crisp air of fall rolls in, many cottage owners across Ontario start preparing to close

Recently Engaged This Summer? Why September Is the Perfect Time to Revisit Your Life Insurance

If you got engaged this summer, congratulations! It’s one of the most exciting milestones in life – a moment filled

Duliban Insurance Proudly Supports Shoebox Niagara with $64,000 Donation & Community Event

Pelham, Ontario – Duliban Insurance Brokers is thrilled to announce that through our recent charity initiatives, we have donated $64,000

Duliban Insurance Joins Forces with McDougall Insurance

Pelham, Ontario – Duliban Insurance Brokers is proud to announce that, effective June 2, 2025, we officially joined forces with

Deer Collisions Spike in Fall – Is Your Auto Coverage Ready?

If you’ve ever driven down a country road in Ontario during October or November, you know how quickly a deer

10 Hacks Every Parent Needs for Stress-Free School Mornings

The back-to-school rush has a way of sneaking up on families. One minute, summer days feel endless, and the next,

Raking Leaves, Cleaning Gutters, and Preventing Fall Water Damage

Fall is a beautiful time of year, but it also brings its fair share of risks for homeowners. As leaves

Why Fall Is Open Enrolment Season for Group Benefits

Open enrolment is the period when employees can review, update, or make changes to their group benefits plans. Outside of

Charting Ontario’s Late-Summer Boating Routes

For many experienced boaters, the real thrill of summer isn’t simply being on the water – it’s the journey itself.

Back-to-School Tech Tips for Families

The Digital Shift in Back-to-School Prep Back-to-school season used to mean pencils, notebooks, and backpacks stuffed with lunchboxes. These days,

Short Term Rentals Are Booming – Are You Covered?

Across Canada, short-term rentals are exploding in popularity. Platforms like Airbnb and VRBO have transformed cottages, condos, and even spare

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July 2026 Ontario Canada Auto Reform Information

Ontario Auto Insurance Changes 2026: What Drivers Need to Know About the New Auto Reform

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: