HRC Insurance Blog

Boat Safety

The first day of summer is less than a month away and many of us can not wait to get outside and enjoy the beautiful weather that will soon be arriving. Whether you own a boat or you’re at a friend’s cottage for the weekend it’s always a good idea to be up to date with the current boating laws, rules and regulations. If you operate a powered watercraft in Canada, it is Canadian law to carry your Pleasure Craft Operator card. With this week being safe boating awareness week here’s a few tips to keep safe out on the water.

Published: 5/22/2015 1:57:00 PM - by: HRC Insurance

Opening the Cottage

Before heading off to the cottage this weekend check to make sure you have your current insurance documents for the cottage, boat and trailer. Here’s a check list of things you may want to consider before you hit the road.

Published: 5/15/2015 12:55:00 PM - by: HRC Insurance

Think Green!

Have you ever wondered how to implement green ideas without breaking the bank? There are many ways to live a more sustainable life while saving money and the planet. In a large part of the world we refer to sustainability as three circles or sections. The first is environmental, second social, and last but not least economic. These three regions should balance to create a harmonious environment for all to thrive equally while keeping a system for humans to have an economic equity.

Published: 5/1/2015 3:43:00 PM - by: HRC Insurance

Spring Automobile Maintenance

As spring approaches and driving adventures become more frequent, remember to get a spring check up as winter can be very hard on your car. A few things they/you can check will be your tires, tire pressure, your last oil change date, fluid levels, door hinges, brakes. This is not nearly the whole list but these are a few simple items that can help prolong the life of your vehicle.

Published: 4/24/2015 4:23:00 PM - by: HRC Insurance

Why should I Insure my Boat?

Many people might ask why would I put insurance on a boat when I only drive it for two months and the rest of the year its parked in a warehouse. There are many reasons to insure your boat as lakes are becoming more crowded and the odds for an accident may be slim but they do still occur. Make sure you have the right protection on your boat as it can make a large difference in the event of an accident.

Published: 4/17/2015 3:15:00 PM - by: HRC Insurance

Spring Tips and Tricks for a Safe and Healthy home

With spring arriving and warmer weather on the way we need to get ready for this summer by making sure our house is ready for what we have to throw at it. Whether it is bringing in new plants to purify the air to caulking the windows from the winter ice damage its a great time to get ready for the sunshine and summer fun that's on the way.

Published: 4/10/2015 9:42:00 AM - by: HRC Insurance

Easter Tips

With Easter arriving this weekend we should keep in mind the risks out there especially in cottage country. Whether you are up at your cottage or just heading to your grandparents there are a few safety concerns to keep in mind this weekend. Watching out for animals, keeping safe in the Thursday or Friday traffic, or watching out for the possibility of salmonella on the raw eggs you may want to paint, these are just a few things to watch out for this weekend. Make sure you take your time this weekend as holidays are much better when everyone is safe and happy.


Published: 4/2/2015 2:15:00 PM - by: HRC Insurance

Spring Rivers and Streams

With ice and snow melting we must remember there is always a chance for flash floods and heavy current in nearby streams and rivers. These rivers and streams can quickly double in size as some may be dam controlled or even the possibility of beaver dams giving out. Staying away from moving water this spring could make the difference from a dry hike to a freezing and unexpected spill into a river or stream.


Published: 3/20/2015 3:39:00 PM - by: HRC Insurance

Spring Thaw Precautions

With the first signs of spring coming our way there are a few things we must keep in mind. Melting of large amounts of snow and ice can have significant flooding threats and being prepared is always a good idea. Also roof ice can be a tremendous falling hazard as the ice chunks can weigh up to a couple hundred pounds or even more.



Published: 3/13/2015 4:52:00 PM - by: HRC Insurance

Spring Ice Safety

With winter lasting longer than usual this year, ice conditions will be unpredictable especially as the spring thaw begins. As soon as we have a few warm days, the potential for currents and sun to erode the ice are much greater. As the snowmobile season may last a little longer we must remember ice safety when going out on it this year.


Published: 3/6/2015 11:19:00 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.