If you have car insurance in Ontario and are renting a vehicle in the US, you need to read this carefully.



Your Ontario Automobile policy will extend coverage to a rental car in the US if you have added the OPCF #27 Endorsement. (Liability for Damage to Non- Owned Automobiles). Please keep in mind that the purchase of this endorsement does not provide ‘DOWN TIME INSURANCE” which seems to be a new ‘term’ being used in the state of Florida.

The "Down Time Insurance” is coverage requested for the loss of income that the Rental Car Agency could suffer, should the vehicle need to be taken off the road and is in for repairs as result of an accident.

The rental agency offers this type of coverage with an additional charge on the contract and if the consumer declines, the rental agency will attempt to charge the consumer at an approximate rate of $25-$30 a day.

On 2 recent occasions in Orlando, Florida a client of ours came across the puzzling new concept of "Down Time Insurance" while renting a vehicle. Budget Rental Agency and Dollar Rental Agency attempted to have our insured pay an extra per day rate of insurance if the car was in an accident and could not be rented because the vehicle was in being repaired. Loss of income from the rental of the damaged vehicle is therefore being passed on to the consumer.

The Ontario Automobile policy does not extend coverage to protect you as a result of this type of claim nor can this coverage be added to the Ontario Private Passenger Automobile policy by endorsement.

Canadians who travel to the United States should be very careful before signing any rental agency agreement that might contain this clause. We know that Enterprise Rental Agencies in Canada and the USA do not request customers to sign any type of an agreement.

We would like to thank our client Denise L. for bringing this issue to our attention.

Dan Lawrie Insurance Brokers Ltd. would like to congratulate Rene Papin - 2011 Arbor Award recipient.



Rene Papin has offered his time to many endeavors at U of T Mississauga in the last 10 years. Rene has been a mentor to students and a judge for the “Show Me the Green” business case competition, as well volunteering as a career panelist. He also served on the UTM Golf Committee, organizing the annual golf tournament that raises money for the UTM Alumni Association Scholarship.

Yes! client's that switch their combined auto and home insurance to us last month saved on average $482 per year!

What could you save by switching to us?

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Protect Your Home From Water Damage And Sewer Back-up.



Breezing through the doors of your new sixth floor condo you hear a dripping sound and spot a horrifying wet stain on the ceiling. Yikes it's leaking onto your new leather couch! You're 6 floors above the nearest storm drain. How could sewer back-up insurance possibly cover your losses?

When it comes to sewer back-up situations, most property owners think of the black sludge that covers a basement after a sump pump is outrun by a severe rainstorm. However, even if your home is nowhere near ground level, sewer back-up insurance can cover your costs if escaping water damages your property. Without such protection, you could find yourself in a mess-both literally and financially.

Sewer back-up insurance typically covers you for losses or damage caused by water that had accidentally escaped from a sewer, drain, storm drain, sump, septic tank, eaves-trough or downspout. Many property insurance policies limit or exclude coverage for these types of losses.

Whether you own or rent your home, adding a sewer back-up endorsement to your property policy can cover the cost of damages and clean up after this type of disaster.

3 Simple Steps You Can Take To Help Avoid Water Damage Losses:

1. Place downspouts on the outside of your home.

2. Install window wells on basement windows.

3. Check to make sure your sump pump is in working order.

Talk to us today. We'll explain what your policy covers and help provide protection that's right for you!