HRC Insurance Blog

Winterize your home- Tips and Tricks!

As the cooler seasons arrive, we often find ourselves scrambling to find the best Winter apparel for our families to keep them warm throughout the season. Sometimes, taking care of our homes is not on our list of priorities. It is important to also consider your homes when preparing for winter to ensure everything will function properly until spring. “Winterizing” your home does not have to be an expensive endeavour. “Winterizing”, the process of equipping your home for snowfall, can be done in good time and on a budget. Today, we’re providing you with a few steps not to forget when getting your home ready for Winter.

Published: 10/21/2016 4:01:00 PM - by: HRC Insurance

Teen Driver Safety Week- Protecting New Teen Drivers

This week is “National Teen Driver Safety Week”, which calls to our attention a very important topic. As inexperienced drivers begin their learning, it is important that teens are aware of vital safety information. Stressing a few key responsibilities to your teen driver before they get behind the wheel could be a potentially life-saving conversation. The Four “Do Nots” should be at the forefront of any drivers mind. Below, the Four “Do Nots” are listed, along with a collection of statistics and audio-visuals to stress the importance of each of these rules to your teenage driver.

Published: 10/14/2016 3:34:00 PM - by: HRC Insurance

Avoiding Thanksgiving Dinner Disaster- How To's

Thanksgiving weekend is here and we can’t wait for family time, good food, and celebrating things we’re thankful for- like our clients! Thanksgiving often means big gatherings with lots of food, which could explain why Thanksgiving Day has the highest number of cooking related injuries and fires each year. We want to ensure you stay out of the emergency room and enjoy a safe weekend in the company of loved ones, so we’ve gathered a list of common safety hazards for you to watch out for!

Published: 10/7/2016 12:36:00 PM - by: HRC Insurance

Aviva Community Fund- Vote for a Community Sports Court!

The Aviva Community Fund allows people with inventive ideas for community improvement to apply to receive funding! HRC has proposed an idea ourselves, a Community Sports Court in Huntsville for low income or at risk youth. Support our local families by voting for this idea today! Voting period is open between October 11th and October 28th.

Published: 10/6/2016 3:22:00 PM - by: HRC Insurance


Now that you can see your breath on crisp mornings, it’s time to switch to winter tires in order to ensure maximum safe grip for cornering and stopping. In addition to the investment in your safety, “Winter Tire Discounts” are able to be applied to your insurance. Tires must be on before November and remain on the vehicle through April to be eligible for the discount. Discounts vary between 2% to 5% depending on company, some companies require proof of purchase or proof of installation. Check with your insurance broker to confirm what information you need to provide. It is crucial that the tires are rated “Winter” as opposed to “All-Seasons” or “Mud and Snow”.

Published: 9/29/2016 11:31:00 PM - by: HRC Insurance


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

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.