HRC Insurance Blog

A Brief History of Insurance

Insurance has been a growing concept from the beginning of time, insurance is all about protection of something by using a strategic plan. The first examples of insurance was similar to the idea of not putting all of your eggs in one basket. This concept carries great significance as the insurance industry has bloomed through changing concepts and has grown into the vast empire that it is today.


Published: 2/26/2015 11:45:00 AM - by: HRC Insurance

Winter Car Maintenance

As we all know winter brings some harsh conditions for your vehicle. Cottage country is often smothered with snow and the only way to fight back is with sand and salt. Sand can sometimes have small rocks within it and can chip paint, salt can increase the rust in wheel wells and around the bottom of your vehicle, and last but not least the cold temperatures and piles of snow brought on by winter. There are however some ways to increase your vehicle's lifespan if you spend the extra money on some preventative solutions.

Published: 2/20/2015 12:08:00 PM - by: HRC Insurance

Travel Safety Tips

Whether you are going to your cottage or heading down south, it is always a good idea to have a few travel safety tips in mind. Being prepared can make the difference between a good vacation and a great one. All the way from travel insurance to where not to go are good things to know before you go on any new exploration. We can only outline a few of the biggest safety tips for traveling but there are numerous blogs and resource websites that give great ways to stay safe on your holiday this year.


Published: 1/29/2015 9:45:00 AM - by: HRC Insurance

Discounts Revealed

You may think all discounts automatically get added if you qualify but discounts are only as good as the information you provide. A good insurance broker will try to ask questions to deem the eligibility of the discount but as insurance brokers are human they sometimes could miss one or two if they are not mentioned. Most brokers will double check all discounts at the time of renewal but having a knowledge of the discounts can help especially if you deal with a direct insurance company. Brokers work for you to give you the best coverage whether it is a cottage policy all the way to a moped we search for the discounts that fit your lifestyle best.

Published: 1/23/2015 12:51:00 PM - by: HRC Insurance

Winter Driving Tricks

You may think if you have a vehicle with ABS, traction control and four-wheel drive that you can drive the same speeds no matter how bad the weather but this is a common misperception. Black ice and slippery roads can hinder handling and stopping distances of even the most advanced automobiles. Winter driving takes a few tricks to learn to avoid our simple programmed human reactions. We sometimes freeze and panic and focus on the crash or accident rather than looking where we want to go.

Published: 1/15/2015 10:19:00 AM - by: HRC Insurance

Bringing in the New Year!

2014 was a great year as we have made amazing new discoveries. This year has been full of extraordinary events and some very controversial news topics. With our world changing every second comes the age of technology, with everything being digital we must not forget the simplicity and beauty that nature can offer. Those times at the cottage won't be the same if the water is not as clean or the air is not as fresh. While we all live busy lives always remember to give back to the earth and the community, even a few small caring gestures can greatly help the planet and make the difference that is needed.


Published: 12/25/2014 12:36:00 PM - by: HRC Insurance

Christmas Safety

Christmas is sneaking up on us very quickly and with this festive family holiday we must remember a few safety tips to keep in mind. Christmas trees, lights, candles, ice, and drinking are a few of the many safety concerns we face around the holidays. Being the time of year to give and spend with family, lets do our best to keep everyone safe this eventful day.

Published: 12/18/2014 10:33:00 AM - by: HRC Insurance

Woodstove/Fireplace Safety

Have you started your woodstove or fireplace up yet this year? With these cold nights there is nothing better than curling up by a fire and having a cozy night. With fireplaces and woodstoves, though it brings warmth, it also brings out many new concerns and hazards. We must think about chimney fires, building codes, smoke alarms, fire extinguishers and proper operating procedures.

Published: 12/13/2014 11:49:00 AM - by: HRC Insurance

Heading south this winter?

Are you heading somewhere different for the winter months? Be prepared when leaving to ensure your home is protected for anything winter has to throw at it. Having the right procedures in place can not only save you thousands but also create ease in your mind when you are not around. Heading south may be just as far as toronto but for those traveling outside of Canada make sure you have proper travel insurance, this can be the difference between a good trip from a great one!

Published: 12/6/2014 12:01:00 PM - by: HRC Insurance

Winter Driving

As we all know winter seemed to come early this year, this being said we need to make sure our vehicles are prepared and we are in the mindset of winter driving. Winter brings new driving challenges such as: lack of visibility, poor road conditions, black ice, less control and more possibilities for accidents to occur. Below are a few things to keep in mind when driving this winter.

Published: 11/27/2014 12:21:00 PM - by: HRC Insurance


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.