HRC Insurance Blog

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

Dont Cruise with Booze

Maybe you’re staying at home this weekend or maybe you’re heading up to the cottage. If your weekend involves boating remember to leave the booze behind and boat sober. Drinking while boating can have the same consequences as drinking and driving.

Published: 7/31/2015 9:13:00 AM - by: HRC Insurance

Lightning Safety Tips

Sometimes thunderstorms can strike with little to no warning, especially during the warmer months. Lighting strikes pose a serious threat during thunderstorms if you are caught at the wrong place at the wrong time. Knowing how to react in a sudden storm is critical to ensuring your safety. So when you are at the cottage or on the golf course remember these few tips to keep yourself safe in a storm.

Published: 7/24/2015 3:12:00 PM - by: HRC Insurance

Hand-Held Cell Phone Legislation in Canada

With summer here, many of us will be spending time at the cottage. Before heading out, put your cell phone out of sight and plan a pit stop to reply to any texts and emails. Distracted driving is defined as any activity that takes your mind or eyes off the road or your hands off the steering wheel. Driving is an activity that requires your full, undivided attention as one moment of distraction can lead to unintended and dangerous consequences.

Published: 7/17/2015 3:07:00 PM - by: HRC Insurance

Cottage Fire Safety

A getaway to the cottage could turn to out to be a tragic one if your cottage isn’t equipped with working fire alarms and a fire-escape plan in place. It is the law in Ontario to have working smoke alarms on every storey of your home, cottage, cabin and seasonal home. Here are some tips to reduce the risk of fire and burn injuries while you are enjoying your time off at the cottage.

Published: 7/10/2015 3:02:00 PM - by: HRC Insurance

Watch out for Invasive Species

Be careful not to introduce invasive species to your cottage. Invasive species such as zebra mussels, Asian carp and Eurasian water-milfoil cost the province millions each year to repair the damage they do. Some invasive aquatic species can survive up to two weeks out of the water and not every invader attached to your boat can be seen with the naked eye.

Published: 7/3/2015 2:49:00 PM - by: HRC Insurance

Distracted Driving

Now that summer is officially here many of us will be spending time at the cottage. Before heading out put your cell phone out of sight and plan a pit stop to reply to any texts and emails. Distracted driving is defined as any activity that takes your mind or eyes off the road or your hands off the steering wheel. Driving is an activity that requires your full undivided attention as one moment of distraction can lead to unintended and dangerous consequences.

Published: 6/26/2015 2:17:00 PM - by: HRC Insurance

Insect Bite Prevention

Mosquitoes and ticks can transmit several infectious diseases to humans. In Canada, two potentially serious but preventable diseases acquired from biting arthropods are West Nile Virus (transmitted by mosquitoes) and Lyme disease (transmitted by ticks). It’s important to protect yourself from bites, whether you’re outside enjoying the weather or at the cottage. Here are some tips to prevent insect bites while enjoying the outdoors.

Published: 6/19/2015 2:15:00 PM - by: HRC Insurance

Be Bear Aware

In the last few weeks there has been a lot of talk in the media about bear sightings. Let’s face it, there are thousands of bears in Canada but since bears usually try to avoid human contact bear encounters are not an everyday occurrence. When out at the cottage or camping we all need to be bear aware. Here are a few things to keep in mind when enjoying the outdoors this summer.

Published: 6/12/2015 2:13:00 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.