HRC Insurance Blog

Fall Maintenance Tips

When the leaves start to change it’s beautiful, but not when it builds up in your gutters. Here are some tips to keep in mind for your house or cottage this fall.

Published: 10/9/2015 10:25:00 AM - by: HRC Insurance

Fall Wildlife Precautions

Have you ever noticed how animals seem to be more active in the fall? This happens because bears hibernate and need to find food for the winter. Deer are similar as fall is a good time to find food. We need to be aware of these animals as in Muskoka our paths do cross from time to time.

Published: 10/2/2015 2:13:00 PM - by: HRC Insurance

Fall Heating

With fall here the nights can get chilly. This weather brings with it some heating concerns. Fireplaces, woodstoves, space heaters and candles are all major causes of house and cottage fires and can be very easily avoided with a few simple steps.

Published: 9/25/2015 9:21:00 AM - by: HRC Insurance

Kitchen Safety Tips

The kitchen can be a dangerous place. You are working with boiling liquids, hot surfaces, and handling sharp knifes and utensils. Cooking can be fun, but kitchen safety is always a priority. A good part of kitchen safety is keeping organized and planning in the kitchen. So let’s learn how to stay safe in the kitchen.

Published: 9/18/2015 3:19:00 PM - by: HRC Insurance

CO Safety

Carbon monoxide (CO) is a highly poisonous gas. You can’t see it, touch it or smell it; this is why it is often referred to as “the silent killer”. This odourless gas is produced as a by-product of combustion when common fuel burning appliances and equipment that use natural gas, oil wood and propane, don’t get enough air to burn up completely. When this happen co can build up and can cause toxic effects. Most of these sources are associated with malfunctioning fuel burning equipment and appliances along with poor venting and confined spaces such as; a furnace room, garage, cabin/cottage, tent, RV, boat, cabin or camper.

Published: 9/11/2015 2:54:00 PM - by: HRC Insurance

Campfire Safety

Whether you are camping this weekend, at the cottage or just spending it at home it is always a good idea to be educated when it comes to campfire safety. Knowing how to pick a spot, how to build and prepare your pit, and extinguish your campfire are key. Here are some tips to keep everyone safe around the campfire.

Published: 9/4/2015 10:46:00 AM - by: HRC Insurance

New traffic laws coming into effect September 1st

Starting September 1st new traffic laws are coming into effect. With the new legislation Ontario will have some of the toughest distracted driving penalties in the world. The new bill also includes new laws for drivers in regards to cyclists and pedestrians in order to reduce collisions, injuries and fatalities on our roads.

Published: 8/28/2015 9:13:00 AM - by: HRC Insurance

Rattlesnake Safety

If you are up north this weekend or at the cottage, keep an eye out for rattlesnakes. There have already been 10 people who have been bitten this year by a rattlesnake, up from 9 last year. The Massasauga rattlesnake is easily camouflaged. They range from dark brown to gray with saddle-shaped or butterfly blotches down the back and sides and is about 50 to 70 centimeters long.

Published: 8/21/2015 4:07:00 PM - by: HRC Insurance

Sun Safety

Most of us like to be outside on a nice hot sunny day, but too much sun and heat can be harmful and dangerous. It’s a good idea to know the warning signs and how to protect yourself from the suns harmful UV rays. UVB rays are usually the strongest between the hours of 11 a.m. and 4 p.m. so plan your day accordingly. Maybe you’re spending the weekend around town, or maybe you’re spending it at the cottage. Here are some tips to help you stay safe outdoors this weekend.

Published: 8/14/2015 2:47:00 PM - by: HRC Insurance

Wildlife Safety Tips

Collisions between cars and wildlife can result in serious vehicle damage, personal injury or even death. In Ontario, one in every 17 motor-vehicle collisions involves wildlife. Last month in cottage country the number was as high as one in three collisions involved wildlife. This number is on the rise due to climate change, human encroachment and an increase in some wildlife populations. While wildlife can be unpredictable, there are some precautions you can take while driving to help you steer clear of wildlife on the road.

Published: 8/7/2015 3:41:00 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.