Winter tires improve handling and overall traction in snowy, icy and slushy conditions and reduce the likelihood of collisions. They can even reduce braking distances by up to 25%! 

You were in an accident but your no-fault car insurance means it doesn’t matter who caused it, right? You certainly can't be blamed for being confused by the term "no-fault" insurance. Get the facts on this commonly misunderstood term.

Insurance can be complicated, but understanding these common insurance terms will go a long way in helping you understand your insurance needs and coverage.

Part of being an educated consumer is asking questions when you make a purchase – especially if you’re spending a considerable amount of money. People often spend hours researching potential retail purchases, like smartphones and shoes, but they rush through insurance policy options. 

There are few things more frustrating for a homeowner than a flooded basement. And in today’s world, a flooded basement often means more than a wet cement floor and some damaged boxes.

OTIP is here to answer your questions and help you understand your policy. Give us a call today and we’ll assess your situation to ensure you have the coverage you need to protect you from water damage.

Research shows that humour and laughter are great stress relievers. The use of humour in the workplace can be an effective way to cope with stress. Humour, when tactfully used, can facilitate the development of a more positive and optimistic work environment. In fact, organizational psychologists have clearly demonstrated the benefits of humour in the workplace.

Mental health issues affect all workplaces, regardless of industry. Employees in diverse roles face increased demands to solve problems, interact with others, analyze data and negotiate positive outcomes. 

Myth: The type of car you buy doesn’t have an effect on your insurance rate.