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Featured Experts

Hervin Pesa

CFP, RRC

Hervin is a Certified Financial Planner and a Registered Retirement Counsellor. In his previous roles, he taught the LLQP and eventually led into a business development role in an MGA, where he helped guide hundreds of advisors. He is also owned and operated a general insurance agency and lead the Financial Services program for a college in Calgary, teaching the CFP curriculum.He continues to serve Canadian families through his practice, all while running his youtube channel, where he teaches Canadians all the money lessons missing from school.

Marc Jorge Estrella

Marc Jorge Estrella is an insurance professional with extensive interdisciplinary experience in the property and casualty insurance industry. His career in the industry spans the areas of information technology , complex claims management, policyholder advocacy and insurance company operations. He also has experience in developing and presenting educational materials in both classroom and online formats. Mr. Estrella received his Master of Science in Insurance Management from Boston University, and his Bachelor of Arts in Economics and Business Administration from Trinity University. He also holds both the Chartered Property Casualty Underwriter and Certified Insurance Data Manager professional designations. He is a resident of San Francisco, California.

Tiffanie Demasters

Commercial Insurance & Risk Mangement Advisor

Tiffanie Demasters, PRIS, CIC, CRM is a Commercial Insurance Producer and Risk Management Advisor with 18 years of insurance industry experience. She started as a personal lines claims adjuster, then moved to the agency side first in Personal Lines and then has spent the last 10 years as a Commercial Lines agent. She has a knack for making the complex world of insurance a little simpler. Tiffanie specializes in coverage analysis and a whole risk management approach to help clients find comprehensive solutions for their business insurance needs.

Q&As

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“How is mortgage life insurance different than regular life insurance?”

When you sign onto a new mortgage, whether it’s your first time or your fifth time, there is a lot of paperwork involved. The bank will ask you to square away your finances before you can sign...

Answered by: Kaitlyn Kokoska

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“Do hotels have insurance for their customers' items?”

Customers are very important to hotel operators. Once in a hotel, the operator is responsible for the safety of guests and the experience of the customer also says a lot about a hotel. One of the...

Answered by: Insuranceopedia Staff

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“Does the way I pay for my insurance affect my premiums?”

This is a great question. In some sense, yes it does.There is no difference in premiums paid for choosing different payment methods (cash, check, credit card, Debit). However, whether you choose to...

Answered by: Judith Pila

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“Are there ways to reduce my premium if I am deemed a substandard risk?”

The simple answer is good news - yes! But, first, what is a substandard risk?A substandard risk as a term in the insurance industry for a person with a risk below average or impaired due to a...

Answered by: Judith Pila

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“Does my company need cyber insurance?”

This is a particularly relevant topic given that cyber attacks and threats seem to pop up constantly. The big ones attract lots of media attention. But what about the average business? What kind of...

Answered by: Jacques Wong

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“Does changing my insurance company affect my credit score?”

Under normal circumstances, changing insurance companies will not affect your credit score.Insurance is a competitive market, one of the reasons people and businesses change insurance companies all...

Answered by: Judith Pila

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“Is life insurance tax deductible in Canada?”

Generally, life, health and disability insurance premiums aren’t tax-deductible for individuals or businesses in Canada. When it comes to Canada’s Income Tax Act (ITA), premium...

Answered by: Jodie L Stauffer
CFP

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“Should I pause my auto insurance if I have a suspended driver's license?”

Answer: No. Your auto insurance can include coverage for your vehicle even when you are not allowed to drive your vehicle, which can save you in the event of a claim.Why?After going through the...

Answered by: Kaitlyn Kokoska

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“Does life insurance cover suicide?”

When it comes to purchasing life insurance, the last thing that most people think about is whether the policy will payout. And when it comes to someone dying by suicide or taking their own life,...

Answered by: Jodie L Stauffer
CFP

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“Does home insurance cover snow damage?”

Generally speaking, yes, home insurance will cover snow damage.Snowy winter days can be a lot of fun for children and adults. But despite how beautiful the snow can be, Mother Nature can also be...

Answered by: Jacques Wong

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“Can I get a discount on my car insurance if I have winter tires?”

The short answer is yes, you can get a discount on your car insurance if you install winter tires on your vehicle.The long answer is: it depends on your insurer.Winter brings with it beautiful...

Answered by: Jacques Wong

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“How do insurance deductibles work?”

First of all, let us look at what insurance deductibles are: A deductible is the amount of money that you as a policyholder will have to pay out of your pocket in an event of a loss or claim...

Answered by: Judith Pila

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“Does auto insurance cover RV insurance?”

This is a really great question. The answer depends on the circumstances and the type of RV (Recreational Vehicle) we are talking about.First let's take a look at what RV insurance is. RV...

Answered by: Judith Pila

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“Will my auto insurance cover an ATV accident?”

Insurance can sometimes be complicated, even for those of us working in the industry. To better answer this question, we might need to clear things up a bit.First of all, we need to understand the...

Answered by: Judith Pila

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“Is motorcycle insurance expensive?”

Motorcycle Insurance is insurance you purchase to provide coverage to your motorcycle in the event of a loss, loss that could be from theft of the motorcycle, or accidental damage.A person might be...

Answered by: Judith Pila

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“Do active duty members of the military get better insurance options?”

As a serving member of the armed forces, it is important that you are recognized and compensated for the sacrifices you and your family make and the job you do to keep the country safe and secure...

Answered by: Kaitlyn Kokoska

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“Can auto insurance companies deny me coverage?”

As different as insurance companies are, so are their underwriting guidelines.The International Risk Management Institute defines underwriting guidelines as a set of rules and requirements an insurer...

Answered by: Judith Pila

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“Do I need special coverage for my record collection?”

When I first saw this question, I thought it would be a straightforward one to answer. But after doing a bit of research, I realized that it's much more nuanced.In most circumstances, there is no...

Answered by: Jacques Wong

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“What should I do if I think my insurance company denied my claim unfairly?”

We buy insurance so that we can be covered when life takes an unexpected turn. We buy it and hope we never have to use it. But when we do, we expect to be protected. After all, it's what we paid...

Answered by: Jacques Wong

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“Will liability insurance cover me for accusations of libel?”

Liability insurance for "Personal and Advertising injury" is a component built into your home insurance and featured prominently in your business's commercial general liability (CGL)...

Answered by: Jacques Wong

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