Author: Tyler Brown

Unlocking Opportunities: A Glimpse into Diverse Insurance Careers

As we celebrate Insurance Careers Month throughout February, let’s delve into the world of possibilities within the insurance industry. Insurance careers offer a plethora of paths for individuals with varied skills and passions. Whether you’re a number cruncher, a people person, or a tech enthusiast, there’s a role for you. Let’s explore some exciting and diverse insurance careers that could be your next professional adventure!


An insurance broker is an intermediary between clients or businesses seeking insurance coverage and insurance companies. They assess their clients’ insurance needs and match them with appropriate policies from various insurers. Brokers are crucial in providing expert advice, helping clients understand their coverage options, and negotiating the best terms and premiums on their behalf.


For those who enjoy making informed decisions based on data and analysis, a career in underwriting might be the perfect fit. Underwriters evaluate risks and determine the terms and conditions of insurance policies. It’s a balancing act that requires a keen eye for detail and a solid understanding of risk assessment.

Claims Adjuster

Claims adjusters are the Sherlock Holmes of the insurance world. When a policyholder experiences a loss, these professionals investigate, assess, and negotiate settlements. Their role combines analytical skills with effective communication, ensuring fair and timely resolutions for all parties involved.

Customer Service

If building relationships and helping others are your strengths, a career in insurance customer service might be your calling. Customer service representatives in the insurance industry act as the frontline advocates for policyholders, assisting with inquiries, claims, and policy adjustments.


If you have a knack for numbers and statistical analysis, a career as an actuary might be right for you. Actuaries are the architects of risk, using mathematical models to predict and assess the financial implications of future events. From insurance pricing to pension planning, they are crucial in ensuring financial stability.

Risk Manager

Business-minded individuals with a strategic mindset might find their fit in risk management. Risk managers work within organizations to identify, analyze, and mitigate potential risks, ensuring the long-term success and sustainability of the business.

Training and Development

Training and development professionals play a crucial role in an industry that values continuous learning. They design and implement training programs to keep insurance professionals up-to-date with industry trends, regulations, and evolving best practices.

Social Media Manager

With the rise of digital communication, insurance companies are leveraging social media to connect with customers. Social media managers create engaging content, build brand awareness, and provide timely information, enhancing insurance companies’ online presence.

Technical Service Representative

Technical service representatives support brokers in various tasks related to insurance processing and help create a customer-centric culture. This position offers an exciting opportunity for individuals with a keen eye for detail, effective communication skills, and a desire to contribute to the success of a dynamic insurance team.

Sales Account Manager

A career as a sales account manager can be rewarding for charismatic and goal-oriented individuals. These individuals conduct detailed reviews of risk and underwriting information to ensure accuracy and optimal insurance solutions for their clients. They’re assigned a book of business to service, plus the opportunity for new business sales to grow the book and reap the rewards for their efforts.

In conclusion, insurance careers are vast and diverse, offering opportunities for individuals with various skills and interests. Whether you’re passionate about numbers, technology, customer service, or sales, there’s a role for you in the insurance industry. So, as we celebrate Insurance Careers Month, let’s embrace the diversity and endless possibilities within this dynamic field!

Are you curious to learn more? Visit the Insurance Bureau of Canada’s website to increase your insurance knowledge. You can also check out their Insurance Basics page for other introductory insurance information.

Join dbi Brokers Ltd.

Having been in business since 1931, dbi Brokers Ltd. is a trusted presence in our communities with a long-standing history and a track record of success. We are always looking for exceptional talent to add to our team and provide an outstanding customer experience.

If you’re interested in working for dbi Brokers, we’re seeking an Account Manager (Sales & Service) and a Technical Service Representative. Apply through the links today!

Have questions about these posted positions or your insurance needs? Call us at 1-800-268-3311 or email to get started. You can also visit our dbi Blog for other informative articles about the insurance industry.

Winter Driving Habits: Protect Yourself and Your Premium

The winter season brings an atmosphere of snow, hot chocolate, and cozy firesides. However, winter also comes with challenges of its own, including driving conditions that can test your skills and patience. In addition to being concerned about your personal safety, it’s essential to protect your auto insurance policy from costly claims and rate increases due to accidents.

In this blog post, we’ll discuss safe driving habits you should practice during winter to help you confidently navigate the roads while keeping your insurance premiums in check.

Prepare Your Vehicle

Before you hit the winter roads, ensure your vehicle is ready for the challenges that lie ahead. This includes:

  • Winter Tires: Equipping your car with winter tires is critical in Canada as they allow you to stop up to 40% sooner than all-season tires and provide better traction on snowy and icy roads (Insurance Bureau of Canada). All insurance companies in Ontario offer discounts of up to 5% on auto insurance if you use winter tires from November to March.
  • Check Fluids: Ensure that your car’s fluids, such as oil, coolant, and wiper fluid, are at appropriate levels. Cold weather can cause these fluids to thicken or freeze.
  • Battery Health: Cold temperatures can strain your car battery. Have it checked to ensure it’s in good condition to prevent breakdowns on the road.

Slow Down and Increase Following Distance

Winter driving conditions demand a slower pace. Reduce your speed and increase your following distance between vehicles to allow for extra stopping time. This can help prevent accidents and reduce the risk of filing a claim with your auto insurance.

Be Cautious in Inclement Weather

It’s always a good idea to check the weather conditions ahead of time when possible. Environment Canada puts out alerts if blizzards, heavy snow, freezing rain or drizzle, cold snaps, and strong winds are expected. When winter storms strike, it’s crucial to exercise caution. If conditions deteriorate, consider delaying your trip or finding an alternative route. If you must drive, remember these tips:

  • Use Your Headlights: Visibility can be drastically reduced in winter weather, so always use your headlights to be seen by other drivers.
  • Stay in the Cleared Path: Follow the tire tracks of the vehicle in front of you, as this area is likely to have better traction than untouched snow or ice.

Avoid Sudden Maneuvers

Sudden acceleration, braking, or sharp turns can lead to skids and accidents. Be gentle with your controls to maintain stability and control. If you find yourself in a skid, take your feet off the pedals, steer in the direction you want to go and avoid slamming on the brakes.

Keep an Emergency Kit

Prepare for the unexpected by keeping an emergency kit in your vehicle. This kit should include essentials like a flashlight, blankets, extra warm clothing, jumper cables, non-perishable food, water, and a first-aid kit. Having these items on hand can help you stay safe if you get stranded during a winter storm.

Drive Defensively

Defensive driving is crucial year-round, but it’s especially important in the winter. Anticipate the actions of other drivers and be prepared for sudden movements. Avoid distractions and stay focused on the road.

Know Your Auto Insurance Policy

Understanding your auto insurance policy is essential, especially during the winter season. Be aware of your coverage and any winter-specific provisions or discounts your insurance company may offer, including the winter tire discount previously mentioned. It’s also important to know how to file a claim if you’re involved in an accident. Our brokers can help guide you through the claims process or review your policy with you to ensure properly covered.

Safe driving habits during the winter season are not only essential for your safety and others on the road but also for the well-being of your auto insurance policy. By preparing your vehicle, driving cautiously, and understanding your policy, you can navigate the winter roads with confidence and minimize the risk of costly claims and rate increases. For more tips on how to protect yourself on the road, visit the Government of Canada’s winter driving page.

Have additional questions or need an auto insurance quote? Contact us today at 1-800-268-3311 or You can also visit our Auto Insurance page for details.

Stay safe, stay vigilant, and enjoy the winter season responsibly!

Tips to Prepare Your Home for Extreme Weather

From high winds and bone-chilling temperatures to freezing rain and heavy snowfalls, Canadian winters can be unforgiving. As we descend further into the cold season, homeowners face the challenge of protecting their homes from the realities of extreme weather to prevent costly damages and ensure their personal safety.

Let’s go over essential tips to help you prepare your home for extreme weather and discuss the vital role of having a good home insurance policy so you can weather any storm.

Insulate Your Home

One of the key elements in preparing your home for winter is ensuring proper insulation. In Canada, where temperatures can plummet well below freezing, a well-insulated home is crucial for retaining heat and reducing energy bills.

Check your doors, windows, and walls for any gaps or drafts, and invest in quality insulation materials like weather stripping or caulking to keep the cold out. It’s also wise to insulate your attic and basement to prevent the heat from escaping there as well.

Prepare Your Plumbing

Frozen pipes are a common winter woe that can lead to expensive repairs. You should insulate exposed pipes, especially in unheated areas like basements and crawl spaces. Consider using pipe insulation or heating tape to prevent freezing.

In extremely cold weather, let faucets drip to keep water flowing and reduce the risk of freezing. Additionally, if you plan on being away for an extended period during the winter, keep your thermostat set to a minimum temperature to prevent freezing.

Winter-Proof Your Roof

The weight of heavy snow accumulation can strain your roof’s structure. Ensure your roof is in good condition, with no missing shingles or leaks. Clear gutters of debris to prevent ice dams, and trim overhanging branches that could break under the weight of snow and cause damage.

Invest in a Reliable Heating System

Your heating system will be working overtime during the winter months. The Insurance Bureau of Canada emphasizes the importance of having your furnace, wood stove, and any other heating sources inspected, maintained, and serviced to ensure they are in good working condition. During the heating season, clean or replace furnace air filters each month. Consider upgrading to a more energy-efficient system to save on heating costs in the long run.

Stock Up on Emergency Supplies

Canadian winters can bring unexpected power outages, so it’s wise to be prepared. Stock up on essential supplies such as bottled water, non-perishable food items, candles, blankets, and a first aid kit. Keep a backup power source like a generator for emergencies.

Trim Trees and Branches

Heavy snow and ice can weigh down tree branches, leading to breakage and potential damage to your property. Trim back overhanging branches to reduce the risk of falling onto your roof or power lines during a winter storm.

The Importance of Winter-Ready Home Insurance

Unfortunately, accidents and unforeseen events can still occur, no matter how well-prepared you are. This is where home insurance becomes a crucial shield for homeowners. Review your policy to ensure it covers potential winter-related damages such as burst pipes, roof collapses, and other weather-related incidents. If necessary, consider upgrading your coverage to provide comprehensive protection.

  1. Protection Against Weather-Related Damages:

    A comprehensive home insurance policy protects against some weather-related damages, ensuring that the financial burden of repairs doesn’t fall solely on the homeowner. Home insurance doesn’t just cover the structure of your home but also extends protection to your personal belongings. If certain winter-related disasters damage your possessions, home insurance can help replace or repair items, offering peace of mind during the winter season.

  1. Liability Protection:

    Winter conditions can increase the risk of accidents on your property. If a visitor slips on an icy sidewalk or if falling snow damages a neighbour’s property, liability coverage in your home insurance policy can provide protection. This coverage is crucial for covering medical expenses or legal fees that may arise from such incidents.

  1. Temporary Living Expenses:

    In the unfortunate event that your home becomes uninhabitable due to winter-related damage, home insurance can cover temporary living expenses. This ensures that you and your family have a place to stay while repairs are being made.

  1. Customized Coverage:

    Not all insurance policies are created equal. Work with an insurance broker to customize your coverage based on the specific risks associated with your location and your home’s unique features. This may include additional coverage for winter-specific risks, giving you a tailored and robust insurance plan.

Winterizing your home is a proactive and necessary step to prepare for the season’s challenges. However, even with the best preparations, unforeseen events can occur, so the importance of a winter-ready home insurance policy becomes evident. By combining a well-prepared home with comprehensive insurance coverage, you can face the winter months with confidence, knowing that your home and your investment are protected against the unpredictable nature of the season.

Visit the Insurance Bureau of Canada’s Winter Seasonal Safety page to learn more about winterizing your home and protecting your property.

Have additional questions or need a home insurance quote? Contact us today at 1-800-268-3311 or You can also visit our Home Insurance page for details.

House damaged by winter blizzard

Winterizing and Insuring Your Hobby Farm

Two hens starring at the snow

As the temperatures drop and the frost and cold are slowly upon us, gearing up for the winter season is crucial for hobby farmers. Preparing for winter on your hobby farm is not only essential for the well-being of your animals and the success of your crops but also for safeguarding your investment.

In this blog post, we’ll discuss the crucial steps every hobby farmer should take in anticipation of winter and highlight the importance of hobby farm insurance.

Preparing for Winter on Your Hobby Farm

Winters can be harsh, but with proper planning, you can ensure the safety and comfort of your animals and protect your property. Here are some essential steps to consider:

Animal Care

  • Providing shelter: Ensure your animals have a safe and warm place to escape the cold and wind. Inspect and repair shelters as needed and add bedding for insulation.
  • Food and water: Stock up on animal feed and ensure water sources don’t freeze. Some animals may require increased food intake during the winter.
  • Health check: Regularly monitor your animals for signs of illness and consult a veterinarian if necessary.

Equipment and Property Maintenance

  • Winterize equipment: Service and maintain your farm machinery to prevent breakdowns during the winter.
  • Secure storage: Protect your tools, equipment, and machinery from the elements by storing them in a dry and secure location.

Garden and Crop Care

  • Harvest remaining crops before the first frost.
  • Consider planting cover crops to protect and enrich the soil during the winter.

Barn and Pen Maintenance

  • Keep animal enclosures clean and disinfected to prevent disease outbreaks.
  • Check for drafts and insulate shelters to keep animals warm.

Fencing and Pathways

  • Inspect and repair fencing to ensure your animals are secure.
  • Keep pathways and driveways clear of snow and ice to maintain safe access to your property.

Emergency Preparedness

  • Plan for power outages with a generator or alternative power source.
  • Establish an emergency plan for severe winter weather that might make accessing your farm difficult.

Firewood and Heating

  • Stock up on firewood for heating, and keep it dry for reliable warmth in your home or farm buildings.

The Importance of Hobby Farm Insurance

While taking these winter preparation steps is vital, protecting your hobby farm with insurance is equally important. Hobby farm insurance offers peace of mind and financial security in the event of unexpected incidents. Here are some key reasons why hobby farm insurance is a must:

  1. Protection for Your Assets: Farm insurance covers your farm buildings, equipment, and livestock, ensuring you’re financially protected in case of theft, damage, or other unforeseen events.
  2. Liability Coverage: Liability insurance protects you if an injury occurs on your property. Accidents can happen, and liability coverage is essential for legal and financial protection.
  3. Crop Coverage: Whether your winterization efforts fall short or unforeseen weather events damage your crops, such as a frost, crop coverage can compensate you for your losses.
  4. Animal Coverage: Hobby farm insurance can extend to cover the health and welfare of your animals, including veterinary expenses and livestock mortality.
  5. Peace of Mind: Farm insurance lets you focus on your hobby farming activities without worrying about the financial implications of unexpected events.

Preparing your hobby farm for winter is a labour of love and a commitment to the well-being of your animals and the success of your agricultural pursuits. Alongside these preparations, remember to secure hobby farm insurance to ensure you’re financially protected in case of emergencies. With a well-prepared farm and the proper insurance, you can enjoy a worry-free winter season on your hobby farm. Stay warm, stay safe, and watch your farm thrive, even in the cold months!

Our experienced brokers can answer all your hobby farm insurance questions and get you the coverage you need. Contact us today at 1-800-268-3311 or! You can also visit our Farm Insurance page for more details.


Two hens starring at the snow

Smoke Alarm Safety Tips: Fire Prevention Week

smoke alarm on ceiling

National Fire Prevention Week (October 8th – 14th) is an annual event to remind us of the importance of fire safety in our homes. To commemorate the Great Chicago Fire of 1871, Fire Prevention Week was established in 1922. The goal was to raise awareness about fire safety and to educate people on preventing fires and protecting their homes and families.

Today, roughly 3 out of 5 fire deaths happen in homes without a smoke alarm or a working one (National Fire Protection Association). Let’s use this week as an opportunity to reevaluate your fire safety measures and ensure that your smoke alarms are in proper working order. Here are some tips and tricks to keep you covered.


Smoke Alarms: Your First Line of Defense

A working smoke alarm is one of the most critical components of fire safety. Smoke alarms are designed to detect smoke and alert you and your family to the presence of a fire, providing precious seconds to escape to safety. However, simply installing one is not enough, as regular maintenance is required and testing to ensure they function correctly.


Testing Your Smoke Alarms

Testing your smoke alarms is a straightforward yet often overlooked task. This should be done at least once a month. To do this, follow these steps:

  1. Locate the test button on your smoke alarm.
  2. Press and hold the test button until you hear a loud, piercing sound. This sound is the alarm sound.
  3. If the alarm sounds, it is working correctly. If it doesn’t, replace the batteries and test it again. If it still doesn’t work, replace the entire smoke alarm.


Changing the Batteries

Smoke alarms are typically powered by batteries or hardwired into your home’s electrical system with a battery backup. Changing the batteries at least once a year is essential, or when you hear the low battery warning beep. An easy way to remember is to change the batteries when you set your clocks forward or backward for daylight saving time.


Maintaining Smoke Alarms

In addition to testing and changing the batteries, you should also perform regular maintenance on your smoke alarms, including:

  1. Cleaning: Dust and debris can accumulate inside the alarm, affecting the performance. Vacuum the outside of it and use a soft brush attachment to remove any particles inside.
  2. Replacement: Smoke alarms have a limited lifespan, typically around 10 years. Check the manufacturer’s recommendations and replace your alarms when they expire.
  3. Location: Ensure that you have smoke alarms installed in key areas of your home, such as bedrooms, hallways, and near the kitchen. They should be placed on the ceiling or high on the wall, away from vents and windows.


Creating a Fire Escape Plan

While these alarms are essential, they are only part of the equation. A comprehensive fire safety plan should also include a well-thought-out escape plan. Here’s how to create one:

  1. Draw a floor plan: Create a simple home floor plan, marking all possible exits from each room.
  2. Designate meeting points: Choose a safe meeting place outside your home, such as a tree or a neighbour’s house, where your family can gather in case of a fire.
  3. Practice your plan: Regularly conduct fire drills with your family to ensure everyone knows what to do in an emergency.


National Fire Prevention Week is a chance to review your smoke alarm safety and overall fire prevention in your home. Regular testing, maintenance, and a well-practiced fire escape plan can make all the difference in keeping your family safe in the event of a fire. Remember, fire safety is not a one-time effort but an ongoing commitment to protecting what matters most – your loved ones and your home. Your vigilance could save lives.

For more fire safety tips and toolkits, please visit the National Fire Protection Association’s official Fire Prevention Week website.

Safeguard your home even further with comprehensive home insurance coverage by visiting our Home Insurance page for details. Our team is here to answer all your questions at 1-800-268-3311 or


smoke alarm on ceiling

Secure Your Legacy: Life Insurance Awareness Month

Life is a journey of unpredictable twists and turns, filled with moments of joy, challenges, and milestones. As we navigate this path, we often strive to provide the best for ourselves and our loved ones. One of the most impactful ways to ensure a secure future for your family is through the power of life insurance.

Did you know that only 44% of all Canadian households have life insurance coverage, and 23% of Canadians do not consider themselves very knowledgeable or knowledgeable at all on the topic (Life Insurance Marketing and Research Association)? Luckily, September is Life Insurance Awareness Month, and it’s a great opportunity to learn how this vital coverage can safeguard your legacy.

Life insurance is more than just a financial product; it’s a promise of protection and responsibility toward those who matter most. It serves as a safety net that provides financial support to your loved ones in the event of your passing and lets them maintain their quality of life, pursue their dreams, and achieve their goals.


The Benefits of Life Insurance

  1. Financial Protection: It provides a financial cushion to your beneficiaries, ensuring they have the resources to cover immediate expenses, outstanding debts, and long-term financial needs.
  2. Estate Planning: It is a crucial tool in estate planning, allowing you to pass on your assets to the next generation while minimizing potential tax burdens. It ensures a smooth wealth transition and preserves your legacy for years to come.
  3. Debt Relief: In the unfortunate event of your passing, it can help alleviate the burden of debts, such as mortgages, loans, and credit card balances. Having this debt taken care of prevents your loved ones from inheriting these financial obligations.
  4. Education Funding: It can also be pivotal in funding your children’s education. By securing a policy, you can ensure that your children have the financial support needed to pursue their academic aspirations.


Choosing the Right Policy

Life insurance comes in various forms, including term life, whole life, and universal. Each type has its own features and benefits, tailored to different financial goals and circumstances. Take the time to explore these options with one of our experienced brokers to determine the best fit for your family. It’s an opportunity to reflect on your responsibilities and make informed decisions that align with your long-term goals.


Empower Yourself and Protect Your Loved Ones

As we celebrate Life Insurance Awareness Month, we also invite you to engage in open conversations with your family members and encourage them to explore options that will shape a brighter and more secure tomorrow. For more resources on this topic, visit the Canadian Life & Health Insurance Association.

By securing this type of policy, you’re taking a proactive step towards ensuring the security of your family’s future. It’s an investment in their dreams, aspirations, and the legacy you leave behind. Let us help you get the coverage you and your family deserve by visiting our Life Insurance page for details. Contact us at 1-800-268-3311 or today!


we offer life insurance to give your family peace of mind

A Guide to Water Damage: Overland vs. Sewer Backup Coverage

water flooding a kitchen showing overland water damage

Your home is your place of comfort and security. However, unforeseen events like water damage can disrupt this tranquility and result in significant financial setbacks. In fact, according to the Canadian Underwriter, “48% of all interior property damage is caused by water (more than fire and burglary)” in Canada.

So, what water coverage can you add to your home insurance? Two coverages are available for water damage insurance. “Overland water” and “sewer backup”, and these are designed to protect homeowners from water-related incidents. Understanding their differences is essential to ensure comprehensive protection for your home and peace of mind.


Overland Water Coverage:

Overland water coverage, often referred to as “surface water” coverage, relates to damage caused by water that enters one’s property from natural sources. This coverage is particularly important in areas prone to flooding or where water can accumulate rapidly due to natural events.

  • Source of Water: Overland water coverage applies to damage caused by water that enters your property from outside. I.e. rainfall, melting snow, or overflowing bodies of water like rivers and lakes can cause flooding or pooling around your home.
  • Coverage Scope: This typically includes damage to your property’s structure, personal belongings, and additional living expenses. If your home becomes uninhabitable due to overland water damage, living expenses are provided.
  • Examples: If heavy rains lead to water entering your basement or flooding your ground floor, overland water coverage is available. This would help cover the costs of repairs, restoration, and replacing damaged items.
  • Preventive Measures: Preventive measures to reduce the risk of overland damage is to direct water away from your home. This can include proper landscaping and grading.


Sewer Backup Coverage:

Sewer backup coverage is to protect against damage caused by backup or overflow of your property’s sewer or drainage system. A sewer backup can lead to unsanitary conditions and extensive property damage.

  • Source of Water: Sewer backup coverage addresses damage often caused by blockages, clogs, or system failures. Additionally, this damage can occur when sewage or water flows back into your home through drains, toilets, or other plumbing fixtures.
  • Coverage Scope: This coverage typically includes damage to your property’s structure, personal belongings, and cleanup costs associated with the removal of sewage and contaminated water.
  • Examples: If a blocked sewer line causes sewage to back up into your basement, sewer backup coverage would help cover the costs of cleaning, sanitizing, and repairing the damage.
  • Preventive Measures: Preventive measures for sewer backup may involve regular maintenance of your plumbing system. You should also avoid flushing inappropriate items down the toilet.


Why Water Damage Coverage Matters

  • Financial Security: Water-related incidents can lead to substantial expenses, from repairing damaged structures to replacing valuable belongings. Water damage insurance ensures you’re financially protected. Don’t shoulder the full financial burden.
  • Swift Recovery: With the right insurance coverage, you can act promptly to address the damage, minimizing its impact on your daily life. You can quickly restore your home to its original condition, preventing prolonged disruptions.
  • Peace of Mind: Knowing you have insurance coverage in place gives you peace of mind. You can rest assured that if  damage occurs, you have a safety net to help you navigate the aftermath.
  • Customizable Options: Coverage can often be tailored to suit your specific needs and concerns. To ensure comprehensive protection, homeowners in areas prone to water-related risks may consider having both overland water and sewer backup coverage as part of their insurance policy.


As a beginner, grasping the fundamentals of water damage insurance and the various coverage options empowers you to make informed decisions to safeguard your home and assets. For more information on how you can prevent water issues, visit the Insurance Bureau of Canada (IBC), Water Damage and Flood Protection, and visit our home insurance page to see how you can save on your home insurance coverage

Remember, water-related incidences can occur anywhere. Being prepared is the best way to secure your home and maintain peace of mind. Contact us today at 1-800-268-3311 or to ensure you have the necessary coverage to weather any storm!


water flooding a kitchen showing overland water damage

5 Reasons to Join the Insurance Industry

Insurance Services: car, home, life, business

Insurance is a great career choice for anyone who loves helping others and wants to make a difference.

Thousands of jobs are available across Ontario and Canada, and there’s never been a better time to join the industry.


1. Job security

The insurance industry is a vital and stable sector always in demand. Professionals working in insurance can expect adequate paid time off, good pensions, steady full-time permanent employment, and competitive salaries, even during economic downturns.


2. Variety of roles

The insurance industry offers various roles, such as underwriting, risk management, claims, sales, customer service, HR, marketing, data science and more. The variety of positions available means there is something for everyone, regardless of their interests or skillset.


3. Career development opportunities

The insurance industry is only going to grow. With the baby boomer generation retiring, there will be an increased demand for a new workforce in an industry ready to nurture them. Many insurance companies offer opportunities to their employees in the form of training, mentorship programs and continued education programs such as the CIP designation to continue to develop their employees professionally.


4. Flexibility

The industry offers flexibility regarding working hours, location, and the ability to work from home. This flexibility can be particularly appealing to those who need a better work-life balance and those wishing for solid job satisfaction and high levels of engagement.


5. Impactful work

Finally, insurance protects people and businesses from financial loss. It helps to ensure that individuals can recover from unexpected events and disasters, which can provide a sense of satisfaction and fulfillment to those working in the field.


If you’re interested in working for dbi brokers Ltd, contact us here!

Who is At Fault After a Car Accident?

car accident

Suppose you’ve been in a car accident. In that case, your first concern is probably about your injuries, but after that, you may also be concerned about your car and whose responsibility it will be to pay for damages, as well as any other medical expenses resulting from the accident, essentially, who is at fault after the car accident.

Before we begin, it’s essential to know: never admit fault after a car accident. It’s the insurance company’s role to investigate the accident, and any admission of fault or guilt could affect your claim down the line.


What does ‘no-fault’ mean?

Within Ontario auto insurance, we have the ‘no-fault’ system, meaning that regardless of who is at fault in a car accident, each person’s insurance company will handle their own respective customer’s claim, not the other person’s.

Under the no-fault system, you can still be at fault if you are found to be responsible for the accident. No-fault essentially means how insurance companies now handle claims.

The benefits of this system are that since you are only dealing with your insurance company during a claim, it simplifies the claims administration process and saves time, which results in savings on premiums for customers.


How do insurance companies determine who is at fault in an accident?

The final decision comes down to the insurance company determining who is at fault. Generally, an at-fault accident is due to driving negligence, effectively, a driver failing to do something that leads to an accident.

Insurance companies will assign a percentage of fault to each driver based on their level of responsibility for the accident. This can be between 0 – 100% at-fault and is determined using The Fault Determination Rules, compensating insured parties according to the amount they are not at-fault.


How does an at-fault accident affect my insurance premium?

If you’ve been at fault in an accident, your insurance premium will likely increase at renewal unless you have purchased coverage to protect your driving record.  If you haven’t been at fault, this won’t affect your premium.


Did you know that we have our own claims specialists?

A car accident can be a stressful experience, and deciphering insurance jargon is what we do best for our clients.

Get in touch at 1-800-268-3311 or email us and we can support you through the claims process and answer your questions.