“Do I need Collision and Comprehensive Coverage?”

We at HRC Insurance thought we should inform you that you may not need this coverage and you might be able to save some money by dropping collision and/or comprehensive.

Need to Know - Boat Insurance

With the waterways in Muskoka getting busier by the day, we at HRC feel we should go over a few key points regarding insuring your watercraft.

Umbrella Insurance - Why you might need it

Umbrella insurance is there for you in the worst-case scenario. Read more to find out why you might need it!

Flood Insurance - Do you have the right coverage?

With all the flooding across Canada, especially in Ontario, we at HRC thought we should go over how your standard home insurance might not cover flood damages and how we can fix that.

Common Insurance Claims for Small Businesses

As a small business, it is important to recognize the most common and the most expensive insurance claims. The smaller the business means the bigger financial risk a lawsuit could have against your company. So, knowing these claims can help owners understand what parts of their business are most at risk.

Watch Out For Wildlife!

Spring has sprung and many wild animals are out and about. Ensure you take caution while driving and make smart decisions when it comes to coexisting with wildlife.
Here is information on what to do if you happen to come across injured or orphaned wildlife.

Easter Egg Decoration Inspiration

Check out these awesome easter egg decoration ideas! If you try any of them out this Easter weekend, don't forget to share them with us on our Facebook page!

Hiking Trails and Tips in Muskoka

Are you an outdoorsman living or vacationing in Muskoka? Here are some great hiking trails in the Muskoka area to get you outside and enjoying the beautiful surroundings! Below are also some tips for hiking in Muskoka!

Come Visit Us At The Spring Cottage Life Show 2017

Do you have a cottage in Muskoka or the surrounding areas? Come visit our booth this weekend at the Spring Cottage Life Show for information about all things Cottage Insurance!

Life Insurance Explained

Life Insurance can be a daunting subject when you initially come across it. In comparison to the concept of car insurance or house insurance, one could definitely have more questions surrounding life insurance. Though it may be anticipated to be confusing, life insurance can be understood simply! We’re going to break down for you the basics of life insurance, and hopefully share with you some things you hadn't already known!

How Much Do You Know About St.Patrick?

Happy St.Patrick’s Day everyone! At HRC, we’re celebrating this festive day with some St.Patrick’s day fun facts! How much do you know about St.Patrick’s day? Read on to find out how many facts we can surprise you with.

Spring Gardening Tips

From honeybee-friendly flowers to the benefits of trees on your property, we've covered all you'll need to know for this upcoming gardening season! "Maybe its wishful thinking, but Spring must be just around the corner. With Spring, comes flowers- for all of our followers who like to spend time enjoying the Muskoka outdoors, we’ve gathered some tips on home Landscaping and Gardening. Did you know, good landscaping can add up to 28% to overall home value (says landscape economist John Harris)? Not only that, but for many, it is an enjoyable hobby. As we begin to see warmer temperatures week by week, now is a good time to start planning your gardening for this season, to ensure your yard will be green and beautiful by the time the season reaches it’s peak!"

Attention All Skiiers and Snowboarders

Squeeze in all the skiing you can before the season is over! Don’t forget, we are offering a discounted insurance package for members of Alpine Ontario (Information within). Here’s a look at ski conditions this sunny Sunday, at our local Hidden Valley Highlands Ski Area.

Spring Car Maintenance Tips

Last week, we explored spring home maintenance tips to ensure your home is ready for the warmer months. As spring approaches, it is also important to examine your automobiles to ensure a safe spring and summer. Here are some tips for automobile owners- add these to your spring cleaning lists!

Spring Homeowner Tips

Spring is almost here everyone! Though we are excited for the warmer days, with spring also comes “spring cleaning”. In order to get your cleaning done fast and have you out enjoying the sun even sooner, we’ve gathered an important checklist of housekeeping requirements every home owner should check out this spring. Check these off your list and slather on the sunscreen in no time…

What We Love- Happy Valentine's Day

Valentine’s Day is just around the corner, which has us thinking- We LOVE so many things about our community! We’d like to take this opportunity to share about things we love with our Muskoka friends and families. Many of our HRC staff members have shared their most loved things about our community; lets check out what they admire most!

10 Groundhog Day Fun Facts!

We’re looking forward to an early Spring this year, as Ontario’s Wiarton Willie and Nova Scotia’s Shubenacadie Sam (groundhogs) both shared with us this morning. Fokelore has it that if the Groundhogs are greeted by a shadow, there will be six more weeks of winter ahead. In the spirit of Groundhog day, we’re sharing 10 Groundhog day fun facts!

5 Money Saving Tricks for Homeowners

Check out these five tricks that can save you money in your home!

The Importance Of Smoke Alarms- Facts and Info

Smoke alarms should be routinely replaced and checked to ensure the safety of your home and its residents. An estimated 890 lives could be saved each year if homes had working smoke alarms ( Ensure your loved ones are protected by following these smoke alarm maintenance steps.

Tenants Insurance- Are Your Assets Covered?

Regardless of whether you own the property you reside in, protecting yourself and your assets is crucial. Tenants insurance is an excellent option for those who rent their dwelling or do not have a property policy.

Event Insurance- Consider This When Planning Your Next Event

As the warmer months approach, many of us look forward to hosting gatherings for our friends and loved ones. As we fill in our calendar, we should also be reminded of the element of risk that comes along with hosting an event, and consider the importance of “event insurance”.

New Year's Resolutions For A Safe 2017

As we welcome 2017, many of us set New Year’s Resolutions and vow personal betterment in a variety of aspects in our lives. We set personal goals for our health, our work, our lives at home, and more. As we reflect on these things we’d like to improve, we should also consider ways to improve our safety. We’ve set five New Year’s Resolutions to keep us safe through 2017 and beyond. We invite you to draw inspiration from our resolutions and add increased safety to your list of goals.

Resources For Christmas Weekend Travels Through Muskoka

Travelling in Muskoka or surrounding areas this Christmas weekend? We’ve gathered a bunch of helpful resources to keep you safe on your journey, like links to live traffic reports, current weather updates, current road conditions, and more!

Myth Busters- Do You Believe These Six Distracted Driving Myths?

Though “Distracted Driving” continues to be a popular topic of discussion, there are many common widely-accepted misconceptions about the concept. This holiday season, keep your attention on the busy roads throughout your commutes, and be aware of and avoid potential distractions.

Holiday Season Safety Tips- Don't Miss These!

The holiday season is often full of shopping, decorations, food, and family. We can often become so absorbed in traditions and busy schedules that we look past common safety hazards in the home. The holiday season is the most popular time of year for house fires and other safety concerns; Ensure you and your loved ones can celebrate safely this holiday season by following our provided tips.

Back to Basics- Jump-Starting A Car

A basic skill each car owner should have knowledge on is “How To Jump Start A car”. Jump starting is a resolution when you find yourself with a drained battery and unable to start your car. Need a refresher on this handy skill? Lets go over it together.

Back to Basics- How To Check Your Car's Fluids"

Today in our “Back to Basics” series, where we aim to refresh your knowledge of basic car-owner procedures, we’re focusing on “How To Check Your Fluids”. Before setting out on a long drive this holiday season, or tackling the Muskoka roads for a short commute, take the time to ensure your fluids are at their best.

Back to Basics- Checking Your Tire Pressure!

Today we’re going to be continuing our “Back to Basics” series! Last Friday, we posted a “Back to Basics” on how to change a tire, and this week, we’re looking to address another commonly unknown vehicle owner skill! How to… Check your tire pressure! This skill goes hand in hand with changing your vehicles tires, as keeping a careful eye on your tire’s pressure can help avoid some flat tire situations! So, if you need a quick refresher on how to check your tire’s pressure, keep reading.

Back to Basics- Changing a tire!

Changing a tire is a basic skill that many of us go without! Studies have shown that the vast majority of teenagers and adults do not know how to take on this task! We want our readers to be prepared for anything the Muskoka Driving conditions send their way, so lets take a minute to get back to the basics and catch everyone up!

Surviving a Slippery Winter 101

Its true- winter is here! Though the ski slopes may be fun, slipping and sliding around the roads is not! As the sun sets sooner and the temperature gets colder, make sure you’re prepared for safe winter commutes!


This weekend is an opportunity for fun for all- Whether you’ll be trick or treating with family and friends or sporting your best ghoul costume at a halloween event, we want all of the spooky surprises to be left to the jack-o-lanterns. We’ve taken a few moments from our Halloween Movie Marathons to compile a few things to look out for during the festivities. Share these few safety tips with your loved ones for a guaranteed spook-tactic Halloween.


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.

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.

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.

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.

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.

"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.

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.

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.

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.

Boat Safety Tips

With the temperatures quickly rising and summer fast approaching many of us are looking forward to getting out and spending time by the water. May 21st-27th is National Safe Boating Week and here at Hutcheson Reynolds and Caswell we want to insure you have the safest experience on the water. Whether you own and boat or are at a friend’s cottage it is very import to know the rules and regulations of the water to insure a safe and enjoyable time. These rules and regulations apply to not only the operator of the vessel but also the passengers aboard. Here are some summer boating safety tips for everyone to follow this summer:

Camp Fire Safety

With the long weekend fast approaching there is no better way to celebrate than cozying up next to a campfire, roasting some marshmallows, making s’mores and enjoying some time with your friends and family. But all it takes is one spark, one hazard or one carelessly built campfire for something to go wrong. To help keep everyone safe this long weekend and this summer here are a few campfire safety tips to keep in mind:

Important Changes to Your Auto Insurance

Policies are changing! The Ontario Government has introduced changes to the automobile insurance system to help make premium for auto insurance more affordable.

Opening Your Cottage This Spring

It's officially June which means it’s that time of the year that you pack up for a weekend get-a-way up to the cottage for some R&R (if you haven't already). However after a long winter away from the cottage, you may be a bit nervous to what you might expect to see. Here are a few tips to help make opening the cottage a breeze.

Come visit us at the Spring Cottage Show

Come visit us at the Spring Cottage Show next week- April 1st -3rd at the International Center Hall 2, Booth #1269! Buy your tickets online with promo code HRCINSURANCE16 to save $3 off Adult admission.

Would you like to win 2 tickets to the Toronto Boat Show?

Go over to our Facebook page, make sure to like our page and post for a chance to win. The winner will be announced January 11th at 10 AM.

When to notify your Insurance Broker

Did you switch to winter tires? Or re-shingle your roof this summer? Or maybe you paid off your mortgage. These are just a few examples of things to inform your Insurance broker about to make sure you are getting the best rate and coverage possible. Here is a list of reasons to inform your insurance broker.

Fireplace and Woodstove Safety

Gathering around the fireplace during colder months provides comfort for many Canadian families. With fireplaces and woodstoves, through they bring warmth they come with safety measures that we need to follow. We must think about chimney fires, building codes, smoke alarms, fire extinguishers and proper operating procedures. Here are some things to think about this heating season:

Holiday Fire Safety

The holidays are approaching and each year hospital emergency rooms treat thousands of people for injuries. These injuries involve falls, cuts, and shocks related to holiday lights, decorations, and Christmas trees. In addition, Christmas trees are involved in hundreds of fires each year. These fires can result in injuries, and property loss and damage. Keep you and your family safe this holiday season by following these safety tips.

Home Heating Safety Tips

• When buying a home or a heating system, make sure you receive the heating systems maintenance and operating manuals.
• Have the heating system serviced by a licence technician at least once a year.

All-Season vs Winter Tires

Grip is critical when it comes to tires. Not only to avoid getting stuck, but to ensure that your car can stop and steer. Life-saving technologies that make our vehicles safer; such as anti-lock brakes, electronic stability control and all-wheel drive can not do their jobs if your tires can not maintain grip on the road surfaces.

Kitchen Safety

Every year, more than 4 million Canadians get food poisoning. Did you know that you cannot tell if food is unsafe but its smell or taste? When it doubt, throw it out. Here are some kitchen safety tips to keep in mind when in the kitchen.

Halloween Safety Tips

Choosing the right costume
• Use make-up or face paint instead of a mask. But before using paint or make-up do a patch test to see if your child has a reaction.
• If you do use a mask, make sure it fits properly and allows you to see and breathe easily.

Winterizing the Cottage Tips

The leaves are falling and the mornings are getting crisper. Now that cottage season is over, it’s time to get it ready for the winter. Doing a proper job when closing up the cottage for the winter means you will have a more enjoyable weekend opening up the cottage in the spring. Although every cottage is different here are some things to keep in mind while putting your cottage to bed for the winter.

Winter Tire and Winter Driving Myths

Winter tires are not like All-season tires. Winter tires have special rubber compounds designed to improve traction, handing, and breaking in all cold weather conditions, just not on ice and snow. Using four winter tires is recommended. Four winter tires ensures optimum traction and control for all vehicle types it’s the cheapest insurance you can buy to protect yourself, your family, and others on the road. Here are some winter driving myths:

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Ontario Passes Legislation to Improve Road Safety

This week Ontario passed the Making Ontario Roads Safer Act, which included new fines and measures coming in to affect over the next few months. 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. Here are a few things to keep in mind about the new Making Ontario Roads Safer Act when on our roads:

Gardening Tips

With warmer weather in the forecast, now is the time to get started on the garden if you have not done so already. Whether you are at home gardening or at the cottage here are some useful tips to keep your garden healthy and pest free:

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

A Brief History of Insurance

Insurance has been a growing concept from the beginning of time, insurance is all about protection of something by using a strategic plan. The first examples of insurance was similar to the idea of not putting all of your eggs in one basket. This concept carries great significance as the insurance industry has bloomed through changing concepts and has grown into the vast empire that it is today.

Winter Car Maintenance

As we all know winter brings some harsh conditions for your vehicle. Cottage country is often smothered with snow and the only way to fight back is with sand and salt. Sand can sometimes have small rocks within it and can chip paint, salt can increase the rust in wheel wells and around the bottom of your vehicle, and last but not least the cold temperatures and piles of snow brought on by winter. There are however some ways to increase your vehicle's lifespan if you spend the extra money on some preventative solutions.

Travel Safety Tips

Whether you are going to your cottage or heading down south, it is always a good idea to have a few travel safety tips in mind. Being prepared can make the difference between a good vacation and a great one. All the way from travel insurance to where not to go are good things to know before you go on any new exploration. We can only outline a few of the biggest safety tips for traveling but there are numerous blogs and resource websites that give great ways to stay safe on your holiday this year.

Discounts Revealed

You may think all discounts automatically get added if you qualify but discounts are only as good as the information you provide. A good insurance broker will try to ask questions to deem the eligibility of the discount but as insurance brokers are human they sometimes could miss one or two if they are not mentioned. Most brokers will double check all discounts at the time of renewal but having a knowledge of the discounts can help especially if you deal with a direct insurance company. Brokers work for you to give you the best coverage whether it is a cottage policy all the way to a moped we search for the discounts that fit your lifestyle best.

Winter Driving Tricks

You may think if you have a vehicle with ABS, traction control and four-wheel drive that you can drive the same speeds no matter how bad the weather but this is a common misperception. Black ice and slippery roads can hinder handling and stopping distances of even the most advanced automobiles. Winter driving takes a few tricks to learn to avoid our simple programmed human reactions. We sometimes freeze and panic and focus on the crash or accident rather than looking where we want to go.

Bringing in the New Year!

2014 was a great year as we have made amazing new discoveries. This year has been full of extraordinary events and some very controversial news topics. With our world changing every second comes the age of technology, with everything being digital we must not forget the simplicity and beauty that nature can offer. Those times at the cottage won't be the same if the water is not as clean or the air is not as fresh. While we all live busy lives always remember to give back to the earth and the community, even a few small caring gestures can greatly help the planet and make the difference that is needed.

Christmas Safety

Christmas is sneaking up on us very quickly and with this festive family holiday we must remember a few safety tips to keep in mind. Christmas trees, lights, candles, ice, and drinking are a few of the many safety concerns we face around the holidays. Being the time of year to give and spend with family, lets do our best to keep everyone safe this eventful day.

Woodstove/Fireplace Safety

Have you started your woodstove or fireplace up yet this year? With these cold nights there is nothing better than curling up by a fire and having a cozy night. With fireplaces and woodstoves, though it brings warmth, it also brings out many new concerns and hazards. We must think about chimney fires, building codes, smoke alarms, fire extinguishers and proper operating procedures.

Heading south this winter?

Are you heading somewhere different for the winter months? Be prepared when leaving to ensure your home is protected for anything winter has to throw at it. Having the right procedures in place can not only save you thousands but also create ease in your mind when you are not around. Heading south may be just as far as toronto but for those traveling outside of Canada make sure you have proper travel insurance, this can be the difference between a good trip from a great one!

Winter Driving

As we all know winter seemed to come early this year, this being said we need to make sure our vehicles are prepared and we are in the mindset of winter driving. Winter brings new driving challenges such as: lack of visibility, poor road conditions, black ice, less control and more possibilities for accidents to occur. Below are a few things to keep in mind when driving this winter.

Remembrance Day

Have you ever wondered how Remembrance Day began or why it was created? This special day has had less and less support as the years go on. People want to forget the past and move on but the past is what has created our security as a country. We need to create more awareness about this holiday as it is not only a day, but a sacrifice we need to appreciate and cherish.

Flu Season Safety

Have you or someone in your family had a cold or flu recently? Be prepared this season, adding a few simple changes to our routein not only can help to boost your immune system and fight off colds, but they can also help to keep you in great shape this fall so you can tackle any task on your list.

Fall Safety

Have you ever slipped on wet leaves? With all of the beautiful fall colors comes some hazards we need to keep in mind. As the leaves start to fall from the trees they pose a potential threat to drivers and pedestrians. Wet roads combined with damp leaves can be very slippery as there is minimal to no traction. This fall take a few extra minutes to get where you need especially in bad weather to ensure a safe season!

Halloween safety

As Halloween fast approaches, we need to keep the safety side of things in mind. With night falling faster and faster, Halloween's sunset will be around 6:08 PM meaning there will not be much time to trick or treat before the night falls. Taking simple precautions from choosing a lighter costume color to wearing a flashlight or reflective tape can help to keep everyone safe this spooky night!

Winterizing the Cottage

Have you ever wondered if you missed something while closing the cottage for the season? As the summer weather comes to an end, cottagers have to do the dreaded deed of winterizing the cottage. Some of the biggest worries when doing this has to be the potential for water to freeze and burst pipes, break toilets, warp motors or crush docks. The following tips will help to reduce these risks and create a stress free spring return.

Thanksgiving Safety

Have past Thanksgiving plans given you trouble or grief? This Thanksgiving HRC is on your side. Fire, theft, food poisoning and driving threats are all things we need to be aware of when planning for Thanksgiving. Having a few simple precautions in place can make the difference in making this Thanksgiving unforgettable.

Fall Boating Safety

Did you do the ice bucket challenge this summer? If so, you may have realized how frigid cold water can be and that's only a buckets worth. Imagine being in water that cold in the middle of a lake. Fall boating is an ongoing concern with less boats on the water meaning a lot less help if something goes wrong. Planning for these trips will overall reduce the risk and could possibly save lives. Below are some key points to consider when taking that last boat ride of the season.

Fall Heating Hazards

Fall weather has jumped the gun this season with cold and rainy winds in mid September. This weather brings with it some heating concerns. Fireplaces, wood stoves, space heaters and candles are all major causes of house fires and can be very easily avoided with a few simple steps.

Home Alone Safety Tips

Have you ever wondered what age parents leave their kids home alone? The answer is not simple as it depends on their maturity level. Whether its leaving them alone for an hour after school to a whole night, there are many things to think about to keep your children safe.

Fall Animal 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.

Back to School Safety Tips

Can you believe it, back to school already? You may be starting to think about back to school needs, or what teacher your kids might have, but we need to focus on the safety of our future generation this week!

Road Rage

Have you ever experienced a driver honking and driving erratically behind you? Then you have experienced road rage first hand. Road rage is not something that should be brushed off or thought of as normal behavior.


Have you ever wondered how to implement green ideas without breaking your bank? There are many ways to live a more sustainable life while saving money and the planet.

How to Protect yourself from the largest computer hack to date!

In current news, a Russian hackers gang have hacked 1.2 billion usernames and passwords. Read more to find out the best way to stay protected!

Healthy Living

Have you had one time or another where an unhealthy habbit or the stresses of work builds up to a point where we just don't feel like yourself?

Severe Weather Safety

Events and storms that used to happen once every 40 years are now happening every 6 years, and in recent news seven tornadoes have touched down in Ontario within the last month. This may cause worry or panic but these trends have been building for the last century.

Severe Weather Flooding/Rainfall

Have you ever witnessed the power of nature? There are ways we can create a safe and secure home to combat the growing number of climate related severe weather patterns. We need to first find out what risks we might face in the near future based on weather trends.

Group Benefits

For commercial clients, our insurance products are extended to include group benefits, employee retirement plans and pensions, company restructuring and succession plans, as well as company owned key-person life and disability plans. Also available for small commercial client are a series of benefit packages and Health Care Spending accounts.

Cottage Insurance

We’d love to insure your cottage or seasonal home. Do you know what your policy really covers? There are several different forms of coverage available, and different insurers call them by different names.

Business & Commercial Insurance

A broker to take a creative approach to insuring your Commercial needs while maintaining competitive prices. A broker who never loses sight of service, customers come first. Hutcheson, Reynolds and Caswell backs it up with financial strength, superior customer service and industry expertise.

Other Policies

Our staff has a wealth of experience in creating custom policies to suit your needs. Not sure if we have the policy that's right for you? Call us today and book a consultation with an agent that can help you find the right insurance policy.

Life and Investment Insurance

Formed in 1996, the Life and Investment Division focuses on the financial needs of clients at HRC. Services offered include life insurance, critical illness, disability income insurance, mortgage insurance, estate and tax planning.

Resort Insurance

In 1988, The Standard Insurance Brokers, Ltd., introduced the Standard Resort Insurance Program. This program has been custom designed and exclusively tailored for the resort industry; including lodges, fly-in outposts, outfitters, houseboat operators, etc.. We provide special insurance coverage for this unique class of business.

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.