Loss Prevention Checklist for Temporarily Unoccupied Buildings
Posted on Tuesday, April 21, 2020
This post is intended to provide you with Loss Prevention checklists to protect your temporarily unoccupied building(s) which have been ordered to close during the COVID-19 Pandemic. We have also provided a Checklist to maintain any Rented Residential units which you may be responsible for. WHAT IS THE DIFFERENCE BETWEEN VACANT & UNOCCUPIED? Vacant - means the occupant(s) has/have moved out with no intent to return, regardless of the presence of furnishings. Ayr Farmers Mutual considers “Vacancy” as a “material change in ...
Posted on Tuesday, March 17, 2020
COVID-19 INSURANCE CONSIDERATIONS
Click here for a communication regarding the COVID-19 impacts on your insurance. COVID-19 UPDATE:
To our valued Policyholders,
Based on the World Health Organization’s recommendations for social distancing, Ayr Farmers Mutual has restricted access of visitors to our building.
This does not mean we are closed!
We continue to work at providing you the same level of service you have become accustomed to; we’re just adjusting our approach during these ...
Free March Break Skates & Swims
Posted on Thursday, March 7, 2019
Come join us for a FREE skate or swim in your town!
Ayr Digs Downtown Giveaway
Posted on Monday, July 16, 2018
DO YOU DIG DOWNTOWN AYR? We sure do...
Enter the #AYRdigsDOWNTOWN Giveaway!
We're giving away 4 gift certificates to some of our business partners that are affected by the road work in downtown Ayr! Keep up to date with our Facebook and Instagram pages to win!
Here is how to enter:
1) Like/Follow our Facebook and/or Instagram Page
2) Like/Follow the Facebook and/or Instagram Page we are featuring that week
3) Comment on the contest post for that week
FOR A BONUS ENTRY : Post a photo of you in the ...
Insurance for Buildings Under Construction or Renovation
Posted on Monday, April 9, 2018
The thought of building something new is exciting. You’ve saved for a long time to build your dream kitchen, to expand your home with an addition or to build a new barn, workshop or garage. Most people consider insurance for their project as an afterthought. These types of construction activities may not be covered under your current property insurance policy.
In this article, we define what “under construction” means for insurance coverage and how to insure your project.
Ayr Farmers Mutual defines ...
Refund of Premium 2018
Posted on Friday, January 26, 2018
Within the company by-laws the Board of Directors at Ayr Farmers Mutual is granted the ability to declare a refund from premiums to participating Policyholders. Such a consideration is based on the company’s financial and capital position as at the most recent fiscal year end.
For the Board to declare a refund, numerous factors are considered, such as:
- The Company’s overall financial position, and the financial performance during the past year.
- The Required funding for future strategic plans
- The Future ...
Are Insurance Rates Higher if Your Local Firehall is Volunteer?
Posted on Monday, January 22, 2018
Are home insurance rates higher when your local firehall is volunteer?
The short answer is no.
When Ayr Farmers Mutual rates a building, we consider three grades of fire protection, which are not conditional on the firefighters being full-time or volunteer. Here are the three grades that Ayr Farmers Mutual uses to rate a building for fire protection:
GRADE 1: a building is within 1000 feet of an operational hydrant AND within 8 kilometers of a responding firehall, either full-time or volunteer.
GRADE 2: a building is within 16 ...
What Does No Fault Insurance Mean?
Posted on Tuesday, January 16, 2018
No-Fault Insurance is one of the most misunderstood terms in insurance.
A common misconception is that it means that no one can be considered at-fault for a motor vehicle collision. However, that is not the case.
No-fault insurance was introduced in Ontario in 1990. The purpose of this legislation was to expedite access to treatment for victims who were injured in an automobile accident.
Before No-Fault Insurance, the insurance company of the at-fault party was responsible for payment of automobile claims. Unfortunately, ...
What to do after a Pipe Bursts
Posted on Wednesday, January 3, 2018
Water, water everywhere? That doesn’t sound good…
An old rubber hose connected to the washing machine lets go. The pipe connecting to the exterior tap freezes due to poor insulation & bursts. The kitchen piping freezes up as the heat is turned off in the crawl space below. You would not believe how common these losses are!
Did you know, burst pipes and water escape claims are one of our most common claims over the last 5 years? Freezing temperatures and aging pipes don’t pick favourites - it can happen to ...
124th Annual General Meeting
Posted on Thursday, December 21, 2017
TAKE NOTICE that an Annual General Meeting of the Members of Ayr Farmers Mutual Insurance Company will be held at the head office of Ayr Farmers Mutual Insurance Company, 1400 Northumberland Street, Ayr, Ontario on the 2nd day of March, 2018 at the hour of 2:00 p.m. for the purposes of:
1. To receive, consider and approve the annual statements for the year ending December 31st, 2017;
2. To appoint auditors for 2018;
3. To approve the amendment to article 20(e) of Bylaw #5 passed by the Directors on April 11, 2017, ...