Newsletter

As part of Scrivens' ongoing commitment to educating our clients, we share a quarterly newsletter to discuss insurance and investing news, tips, and information.

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The Scrivens Perspective - Spring 2020
The Scrivens Perspective - Spring 2020
Catch up on the latest from Scrivens Insurance and Investment Solutions.
The ABCs of Ontario Automobile Insurance
The ABCs of Ontario Automobile Insurance
To help you understand the cost of your car insurance and exactly what goes into the price you pay, Scrivens breaks down all the coverages in an automobile insurance policy.
Three Biggest Risks for Businesses to Watch in 2020
Three Biggest Risks for Businesses to Watch in 2020
According to experts, these are the biggest risks for Canadian businesses to watch out for in 2020.
The Importance of Data Retention Policies
The Importance of Data Retention Policies
In order to ensure that data is held securely, accessibly and for no longer than necessary, organizations can greatly benefit from developing data retention policies.
Living Benefits: Would Cash Help?
Living Benefits: Would Cash Help?
The question posed in the title of this article could be said to be at the core of “living benefits” insurance products, such as disability, critical illness, and long term care insurance.
Benefits of Employee Mental Health Days
Benefits of Employee Mental Health Days
Employee mental health is just as important as physical health and needs to be a part of every organizational culture by permitting employees to take mental health days.
The Scrivens Perspective - Winter 2020
The Scrivens Perspective - Winter 2020
Get the latest updates from Scrivens President, Peter Scrivens.
Claims That Could Increase Home Insurance Rates
Claims That Could Increase Home Insurance Rates
The more home insurance claims you file, the more expensive your rates.
The Pitfalls of Missing an Insurance Payment
The Pitfalls of Missing an Insurance Payment
Paying your insurance premium on time is critical to keeping your insurance rates low over time.
Unlocking the Secrets of Locked-In RSPs
Unlocking the Secrets of Locked-In RSPs
Learn about how a "locked-in" Retirement Savings Plan (RSP) can benefit your retirement plan.
RSP Facts and Figures for the 2019 Tax Year
RSP Facts and Figures for the 2019 Tax Year
Get your 2019 tax questions answered regarding RRSPs and RRIFs.
Bracketology: Retirement Savings and Tax Brackets
Bracketology: Retirement Savings and Tax Brackets
Be aware of your tax bracket to make the most of your retirement plan.
The Insurance Pricing Cycle: Managing Risk in a Hard Market
The Insurance Pricing Cycle: Managing Risk in a Hard Market
It’s important to know which factors determine the cost of your insurance. But understanding the market cycle is only half of the pricing equation.
The Scrivens Perspective - Fall 2019
The Scrivens Perspective - Fall 2019
Get caught up on all the latest insurance and retirement planning news at Scrivens.
Registered Disability Savings Plan (RDSP): Waiting for Discovery
Registered Disability Savings Plan (RDSP): Waiting for Discovery
The RDSP is a long-term savings program best viewed as a vehicle for generating additional cash flow later in a person with a disability’s life. There are two parties to an RDSP: the Planholder and the Beneficiary.
The Importance of An Insurance Review
The Importance of An Insurance Review
An annual review of your insurance portfolio should consider life insurance, disability insurance, and critical illness insurance. Any oversights could carry huge financial and emotional costs.
The House of Common Sense: Playing Politics With Your Portfolio
The House of Common Sense: Playing Politics With Your Portfolio
Given the volume (both in amount and in decibels) of political rhetoric Canadian election cycle, it would not be unusual for one or another proposal to cause investors to worry about its effect on their portfolio.
You Need to Break These Bad Driving Habits
You Need to Break These Bad Driving Habits
Auto insurance rates in Ontario are expected to experience very large increases in the next few years. Think over 15 per cent!!
Water Damage Prevention: Sump Pumps
Water Damage Prevention: Sump Pumps
If you live in an area that is prone to flooding or excessive moisture, a sump pump is a necessity for protecting your home from water damage.
Car Insurance Rate Increases: Top Ways to Save
Car Insurance Rate Increases: Top Ways to Save
There are many reasons for the increases of automobile insurance in Ontario, but these are the main contributors.
Insurance Considerations for Condominium Owners
Insurance Considerations for Condominium Owners
Renters insurance, homeowner’s insurance, and condo insurance all share some characteristics, but condo insurance is unique because of the relationship of individual owners and condo corporations.
Solution: Abuse Liability
Solution: Abuse Liability
Year after year, sports associations, day cares, schools, camps, churches, and other charitable organizations face the staggering financial cost of civil judgements due to the abusive conduct of their employees or volunteers.
Marijuana Liability: Retailers and Dispensaries
Marijuana Liability: Retailers and Dispensaries
Marijuana retailers, like any other business, have specific insurance needs. In fact, the marijuana industry presents a number of unique risks - risks owners and operators should be aware of in order to avoid major financial losses.
Bill 118: Possible Relief For Snow Removal Operations
Bill 118: Possible Relief For Snow Removal Operations
Securing adequate insurance coverage for contractors with snow removal operations has proven to be a difficult task in Ontario but relief appears to be in sight with the proposal of Bill 118.
The Scrivens Perspective - Summer 2019
The Scrivens Perspective - Summer 2019
A brief look back at our wet spring and the Scrivens Perspective of our Summer to come. Topics include severe weather, new investment opportunities, and a few new faces around the office!
Homebuyers Plan (HBP): Too Much Of A Good Thing
Homebuyers Plan (HBP): Too Much Of A Good Thing
Budget 2019 proposes the Homebuyers Plan (HBP) increase the amount qualifying first time homebuyers can draw from their Retirement Savings Plans (RSP) to $35,000 from the current $25,000
Advanced Life Deferred Annuity (ALDA): That 70's Annuity
Advanced Life Deferred Annuity (ALDA): That 70's Annuity
The 2019 Federal budget has introduced the Advanced Life Deferred Annuity (ALDA), a “deferred annuity” that will begin before the end of the year you turn 85.
Insurance For Rookies: Building an Insurance Score
Insurance For Rookies: Building an Insurance Score
Just like building your credit score, building your insurance score earlier can help build credit with insurers.
How Insurance Premiums Are Calculated
How Insurance Premiums Are Calculated
Without examining specific lines of insurance, it’s important to understand how insurance companies determine a policy’s premium.
Severe Weather: Taking the Insurance Industry by Storm
Severe Weather: Taking the Insurance Industry by Storm
The reality is, severe weather events are occurring more often and seem to be resulting in more insured damage.
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Scrivens Insurance and Investment Solutions
270 MacLaren Street
Ottawa, ON K2P 0M3
www.scrivens.ca | 613-236-9101