HRC Insurance Blog


As this year’s hunting season approaches, so does increased probability of ATV accidents. Though these popular off road vehicles are enjoyable and effective, they are also incredibly dangerous machines if not handled with care. With Muskoka's riders’ safety in mind, we’re stressing the cautions of hopping on the four-wheeler this hunting season, and sharing perspective from the insurance side of ATV ownership.

Published: 9/23/2016 11:35:00 PM - by: HRC Insurance

Wildlife Collision

Wildlife collisions is a growing problem in Ontario, this is why we at HRC feel we should give out some helpful tips to think about next time you’re on the roads.

Published: 8/26/2016 4:35:00 PM - by: HRC Insurance

Understanding the Basics of Insurance

Insurance can be a little confusing and honestly a little intimidating. That’s why we at HRC are here to help you understand the basics behind insurance.

Published: 8/19/2016 4:34:00 PM - by: HRC Insurance

Host Liquor Liability

Are you planning an event any time soon? From weddings to family reunions, in most cases alcohol usually gets involved. However, sometimes things can get out of hand when alcohol comes into play. At any event there’s usually that one person who has maybe had one to many drinks. Well what if this person got in their car without you knowing? What if they wandered off and hurt themselves while nobody is around to help? Have you ever wondered what happens if the worst case scenario actually happened? When property damages or personal injury occur, the host of an event may be found to have some responsibility in a court of law. This is where Host Liquor Liability Insurance will help you if anything were to go wrong. Host liquor liability protects an individual or an organization who hosts a single/multi-day function with alcohol service.

Published: 8/12/2016 4:57:00 PM - by: HRC Insurance

Fire Prevention & Education

With the heat wave warning issued for today and the f ire danger rating increase to high in Muskoka, it’s very important to go over fire prevention and safety procedures.

Published: 8/5/2016 11:10:00 AM - by: HRC Insurance

"I'm a Student - Do I Need Insurance?"

Heading to University or College can be very intimidating. Every year, thousands of students across Canada move away to live on their own for the very first time. From making new friends to making good grades, students have a lot to think about when heading away for school. To help take some of the stress away, it’s a smart idea to revise your insurance policies to ensure the students protection.

Published: 7/26/2016 10:09:00 AM - by: HRC Insurance

Do Renovations Effect My Insurance?

Are you in renovations mode? Renovations are a great way to increase the value or your home without having to make a big move. Weather you are doing renovations to update your home, increase size, living space, or just add a new twist to your old space you may need to contact your insurance broker before starting.
Here is some information on home renovations and why you should be contacting your insurance company before and after your renovations.

Published: 6/8/2016 9:00:00 AM - by: HRC Insurance

Summer Road Safety and Distracted Driving

Muskoka is home to 60,000 permanent residents, 100,000 seasonal residents and welcomes more than 2 million visitors per summer. With the beautiful landscape, scenery and community it is no surprise that Muskoka draws in so many homeowners and tourists. However with the summer months fast approaching and the population more than doubling, our roads become a large hazard. It is important that everyone on the road is driving with care, caution and attentiveness. Here is some information on things to consider while driving this summer and information on distracted driving.

Published: 5/30/2016 11:16:00 AM - by: HRC Insurance

Canadian Police Information Center - How it can help you!

Did you know…? If you suspect that a motor vehicle or property has been stolen there is a program through the Canadian Police Information Center to search Canada’s national database to find out.

Published: 5/27/2016 9:54:00 AM - by: HRC Insurance

Wear Your Life Jacket to Work Day

Here at Hutcheson Reynolds and Caswell our staff take pride in ensuring safe boating on our waters during the summer. This year we are taking part in the national wide campaign, “Wear Your Life Jacket to Work Day”. “Wear Your Life Jacket to Work Day" is hosted by the North American Safe Boating Council. This campaign is the kick off for National Safe Boating Week. The North American Safe Boating Council has a main priority of educating the boating community about the importance of wearing your lifejacket or PFD while on the water. Although it is the law that a life jackets or PFD must be available per rider in the boat, most people choose not to wear them. “Wear Your Life Jacket to Work Day” is a fun and unique campaign that educates boaters about the different types of life jackets and PFD’s while demonstrating their comfort and versatility by wearing them to work.

If we can work in them you can ride in them!

Here are some important tips you need to know about your lifejacket or PFD.

Published: 5/17/2016 10:38:00 AM - 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.