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A strong business is built upon a solid foundation of insurance....
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A strong business is built
upon a solid foundation of insurance....
Celebrating
years
A TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER
OCTOBER 2012
Drinking and Driving Laws Just Got Tougher
Approximately 16,000 people are convicted of driving with a blood-alcohol level above the legal limit in
Ontario each year. That’s almost two people every hour!
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QUOTATION, FOR ALL
YOUR INSURANCE
NEEDS.
Changes to Ontario’s Highway Traffic Act in
2008 means you could now face a threeday suspension (for your first offence) if you
operate a motor vehicle with a blood alcohol
level of .05 to 0.8 or more. In the past, it was
a 12-hour suspension. If you are caught a
second time, your license may be suspended
for seven days, and you will be required to
undergo a remedial measures course.
From an insurance perspective, any suspension
is now recorded on your driving record. After
IN THIS
Issue
Head Office:
99 HWY. #8,
Stoney Creek, ON L8G 1C1
T: 905.664.2266
F: 905.664.3169
Toll Free: 1.800.461.5083
-Drinking and Driving Laws Just Got Tougher
Approximately 16,000 people are convicted of
driving with a blood-alcohol level above the
legal limit in Ontario each year.
Burlington Office:
980 Fraser Drive. Ste. 203
Burlington, ON L7L 5P5
T: 905.333.3076
F: 905.333.4904
Toll Free: 1.800.373.1106
-Storing Your Motorized Toys for Winter
It is very important when storing anything with
a motor that you make sure that you take the
following steps to avoid any unnecessary damage.
-One Person, One Seatbelt Law – Now in Effect All Drivers and Passengers Must Be Buckled Up.
-Winterizing Your Home As the warm weather comes to an end, it’s time to prepare your home for the winter months ahead.
-Deep Snow is Deep Trouble
Every winter, many roofs collapse due to
heavy snow or ice loads.
-Pam Ostrosser - Receptionist.
the first offence, you could
face significantly higher
insurance premiums. While
your license is suspended,
you are uninsurable.
About one quarter of all
Ontario collisions with
fatalities involve drinking
drivers.
Drinking
and
driving hurts us all through deaths, injuries
and personal tragedies, in
addition to costs for health
care, emergency response
and property damage.
Please don’t drink and
drive
Did you know?
In Ontario, the legal limit for bloodalcohol is .08 milligrams per 100
milliliters of blood.
Keep our roads safe for all motorists
If you host an event or party where alcohol
is served, you have a legal responsibility
to ensure your guests do not drive after
drinking. If your event requires a liquor
permit, your liability exposure is greatly
increased. The line between host liability
and liquor legal liability can be fuzzy. Talk to
us about insurance options that can reduce
your liquor liability exposure.
Attention party or event hosts, here are some
tips to reduce your liquor liability exposure:
• Hire a licensed and insured vendor to
serve the alcohol.
• Serve drinks rather than having a
self-service bar
• Serve food, as adequate amounts of food
slows down the effects of alcohol
• Offer plenty of non-alcoholic drinks
• Hold the event early in the day to discourage excessive drinking
• Provide a taxi or alternative forms of transportation for guests who have
imbibed.
(Copyright: Staying in Touch 2009 – Volume Nineteen, Number One)
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auto home life group
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One Person,
One Seatbelt
Law – Now in Effect
home
life group
associations
www.tripemco.com
All Drivers and Passengers Must Be Buckled Up
As of November 2, 2006, everyone in a vehicle must be buckled up
or secured in the appropriate child car safety seat – it’s the law. This
legislation closed a loophole where some people were carrying more
passengers than the number of seatbelts in the vehicle.
The “one person, one seatbelt” legislation prohibits “doubling up”–
that is, two or more people using the same seatbelt at the same time.
safety seat. Those passengers 16 years of age and older must wear a
seatbelt or could personally face a fine.
Drivers are responsible to make sure all passengers under 16 years of
age are wearing a seatbelt or are secured in an appropriate child car
The fine for failing to use, or improperly using, a seatbelt is $90 plus
a victim surcharge of $20. In addition, drivers who fail to use or who
improperly use a seatbelt can have two demerit points applied to
Winterizing Your Home
As the warm weather comes to an end, it’s time to prepare your home for the winter months ahead.
Performing a few quick and easy maintenance items now, could save you time and money down the road.
The following property maintenance checks will help ensure a properly
winterized home:
•
Make sure the furnace filter is clean and sized properly.
Check the thermostat to be sure it is working and that the pilot
light is functioning. Have a qualified specialist clean and check
your furnace, replacing and cleaning the necessary parts.
Vacuum hot and cold air registers if necessary.
• Check your chimney. If you haven’t used your fireplace in a
while, check for animals, debris and leaves. Consider having a
qualified professional install a screen over your chimney opening.
•
Clean your eaves trough and downspouts. When they are
clogged, rainwater backs up. When the temperature drops
below freezing, the standing water freezes causing the eaves
trough and downspouts to expand and crack. Remove any
leaves, dirt and debris.
•
Check for broken, damaged or loose shingles, small holes, and
loose nails. Check flashing around all dormers, vent pipes,
himneys and any other projections where the roof covering
meets an adjoining surface.
• Make sure your smoke alarm and carbon monoxide detectors
are in working order. Check the batteries regularly. Remember to change the batteries whenever you change your clocks.
• Check weather stripping around windows, doors and between
the foundation and siding. Replace where needed. If the caulk
is cracked or peeling away, it allows your home’s heat to escape.
• Clean and repair cracks, fissures and joints in concrete surfaces.
Repairing sidewalks and driveways helps with snow removal.
If you don’t have the time or the expertise for your winter home
maintenance, contact a qualified professional.
(Copyright: Staying in Touch 2008 – Volume Eighteen, Number Two)
It is very important when storing anything with a motor that you make sure that you take the following
steps to avoid any unnecessary damage:
1. If you don’t have access to the vehicle
disconnect the battery and remove it,
make sure not to store the battery on
a metal shelf.
2. There are gas additives that you can
buy that will keep the gas from going
bad depending on how long the vehicle will be stored.
3. For outboard motors it is important to make sure that you
blow out any water from the lower unit to avoid freezing
and cracking.
4. Make sure that air pressure is good and that you don’t have
THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER
any slow leaks in any tires.
5. If storing outside it is better to have your vehicle off the ground
with blocks to avoid excess snow load on the suspension.
6. It’s a good idea to put mothballs in a vehicle that is
tored indoors to avoid mice and squirrels from chewing
the upholstery.
7. In extreme cases you can remove spark plugs and add
engine oil to each of the cylinders to avoid rust.
8. Vehicles covers are a great way to reduce to chance of
damage from dust and dirt.
9. Make sure that the place you’re storing your toy has the
proper insurance to avoid any coverage gaps.
10. Its better not to start your vehicle unless to can let it run
for at least 15 to 20 minutes to avoid condensation from
building up.
ISSUE TWELVE
their driver record.
The “one person, one seatbelt” law will help prevent needless deaths
and injuries on Ontario’s roads. Please buckle up.
(Copyright: Staying in Touch 2007 – Volume Seventeen, Number One)
Deep Snow is Deep Trouble
Every winter, many roofs collapse due to heavy snow or ice loads.
Add rain or heavy, wet snowfalls on top and
you’ve got a dangerous combination.
Often roofs collapse suddenly, giving occupants
little, if any, warning to evacuate the building.
Roof collapse can happen to new and old
buildings alike and cause extensive damage to
the building and contents. Low pitched and flat
roofs are most susceptible to collapses.
Most roof designs can handle snow loads of 2040 lbs per square foot. But, as the chart below
shows, packed snow with ice can easily overload
a roof.
Snow Type
Approximate Density
(lbs per square foot for every 12” of depth)
Light and Fluffy
5-20
Packed20-40
Packed with Ice
40-58
Ice 58
Storing Your Motorized Toys for Winter
It is very important when storing anything with a motor that you
make sure that you take the following steps to avoid any unnecessary
damage:
THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER
Watch for ice build up on the edge and valleys
of your roof. When heat escapes through your
attic, it melts the snow. When this water freezes
at the edge of your roof, it forms an ice dam and
allows water to back up and enter the building
under the shingles and wood decking. Besides
adding extra weight to your roof, ice dams can
cause extensive water damage inside.
Excessive accumulations of snow and ice will
require removal.
For safe removal that won’t endanger you or
damage your roof, consult a roofing contractor.
Be certain the contractor is covered by WSIB
(Workers Compensation) and provides you with
a current liability insurance certificate.
If you are removing the snow on your own, be
very careful as the roof can be very slippery.
1.Choose a pair of boots with
excellent traction.
2.Choose a proper shovel. A plastic bucket
(scoop) shovel with a large handle is best
so you can scoop and slid the snow off
the roof’s edge.
3.Don’t pick or chip at ice near the roof surface or dig deep as you may damage
the shingles and shorten the roof’s
life expectancy.
4.Do not pile all the snow in one area before
removing it. This may overstress that
section of the roof causing it to collapse.
5.Be safe, not sorry. Consider your
options carefully.
(Copyright: Staying in Touch 2008 – Volume Eighteen, Number Two)
THE TRIPEMCO BURLINGTON INSURANCE GROUP NEWSLETTER
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group associations
Pam Ostrosser
Receptionist
Pam Ostrosser has been employed at the
Head Office in Stoney Creek for the past
9 years. She is our front line Receptionist
and everyone’s go to girl. Pam is the first
person our clients talk to and is a vital cog
in the office’s day to day operations. Her
professional and friendly manner is well
accepted from all our clients and staff.
Pam has been married to her husband
Glenn for 26 years and has 2 teenage
daughters. Pam has devoted countless
volunteer hours as an Executive member of
Mahoney Minor Baseball; and a Mahoney
Representative for the Hamilton District
Baseball Association. Pam and her husband
co-ordinate Boys Baseball for the CANUSA
Games as well. Pam also volunteers her
time as the Community Representative for
R.L. Hyslop Public School Council. In Pam’s
spare time she enjoys attending sporting
events which her daughters are involved
in. She loves to travel when time permits.
ISSUE TWELVE