Tip of the Week Archives | Farrell Agencies

How Auto Insurance Rates Are Determined

How do insurance companies calculate your vehicle insurance? It may be surprising to learn that auto insurance rates aren’t constructed using indiscriminate numbers.

Why Travel Insurance is Important

Why Travel Insurance is Important During these cold winter months, many people escape to warmer destinations or overseas getaways. While there are many things to consider when planning a trip, buying travel insurance should definitely be one of them. No matter where you’re travelling, there are several reasons why travel insurance is a must: Medical […]

Trucks Gearing Up for Winter Driving

Gearing Up For Winter Driving As the season changes from fall to winter, so must our approach to driving. With hazardous and unpredictable driving conditions, winter can be a challenging time for anyone who sets out behind the wheel – especially those in the transportation industry. During this time of year, drivers should employ increased […]

Insurance Resolutions

It’s that time of year again. Have we kept our New Year’s Resolutions? Did we make New Years Resolutions? Should we make New Years Resolutions? Perhaps…… Wikipedia describes New Year’s Resolutions as a “tradition in which a person resolves to change an undesired trait or behavior, to accomplish a personal goal or otherwise improve their […]

Let’s Go Camping!

Let’s Go Camping! Camping season is is full swing! Do you have your camper registration renewed yet? When you come into our office to renew your camper, ask us to check the RGVW on your truck registration. If the combination of your truck, trailer and contents exceeds 5,000 Kg (11,000 lbs), you must report the combined […]

Should you file a claim? Here’s what you need to know.

To Claim or Not To Claim – Property Insurance When you pay your home/farm insurance premiums regularly and on time every year, it may seem like you should be able to file as many claims as you want. However, every time a claim is opened on your policy there are adverse effects on your insurance […]

How Property Insurance Premiums are Calculated

How Property Insurance Premiums are Calculated Do you ever wonder how your insurance company arrived at the amount of premium you are being charged, or why you are paying more or less than someone you know? Your insurance premiums are based on the likelihood that you will put in a claim, as well as the […]

Happy Travels!

Now that the weather is warming up, many of us find our thoughts turning to the upcoming summer holidays! In addition to all the preparations associated with planning a summer getaway, one often overlooked step is the purchase of travel medical insurance. Travel medical insurance can help protect you and your family from unexpected costs […]

The Importance of Smoke Detectors

Smoke detectors are one of the most important safety devices you can install in your home. Once you’ve installed smoke detectors, it’s absolutely vital to test them regularly to ensure that they will work during a fire. After all, what good are they if they aren’t working when you need them the most! Use the […]

What is a Commercial Garage Policy? And Do You Need one?

What is a Commercial Garage Policy? And Do You Need one? A Commercial Garage Policy is designed to provide coverage for Shop and Garage Risks. Garage and shop operations have additional exposures that are not covered under your commercial General Liability policy or even under the vehicle owner’s automobile policy. A Garage Policy fills this […]

Wildlife Collisions

Wildlife Collisions The human cost of vehicle collisions with wildlife is substantial. On average 327 people are injured and 4 killed in animal-related collisions on Saskatchewan Roads. In fact, there were nearly 16,000 wildlife collisions reported to SGI in 2006 and the total cost in claims was more than $29 million. Encounters with wildlife on […]

ISNET WORLD Members greatly benefit from a Insurance Broker

ISNET WORLD Members greatly benefit from a Insurance Broker Established in 2001 ISN is the global leader in contractor and supplier management. With over 530 Hiring Clients in capital intensive industries to help manage more than 65,000 contractor and suppliers with their operations.  If you work or want to work at Mosaic, PCS , K+S […]

Motorcycle Riders are Vulnerable

Motorcycle riders are vulnerable road users because they are not secured and enclosed by a vehicle. If you ride a motorcycle, it’s really important to take safety measures like wearing the proper gear, keeping your reflexes sharp and being extra cautious. Motorcyclists can’t just assume that other drivers will always obey the rules. Good riders […]

So You Were in a Car Accident: Now What?

So You Were in a Car Accident: Now What? Even the best drivers may find themselves involved in an automobile accident. So what do you do if this happens to you? First, get out of harm’s way and obtain care for any injured person. If you have access to a camera, it is helpful to […]

How to Prevent Dryer Fires

How to Prevent Dryer Fires Dryer fires are more common than you might think but there are some simple things you can do to help prevent them and keep your home safe. If any of the following signs sound familiar, follow the safety precautions in the owner’s manual (and Call 911 immediately if a fire […]

Additional Insured Coverage

Additional Insured Coverage Insurance industry jargon can be confusing and complicated. It is a common reaction to feel overwhelmed if you’re handed contract documents with numerous insurance requirements that require your compliance. One of the most common contract insurance requirements looks something like this The User shall obtain the following insurance coverage in a form […]

Keeping Up with Change

Make sure to update your insurance coverage whenever you make changes to your dwelling or belongings. One of the advantages of owning your own home is that you can remodel and upgrade your dwelling to suit your own particular needs and tastes. However, you should keep in mind that some of the changes you make […]

Snow load – are your Farm Outbuildings covered?

Snow load – are your Farm Outbuildings covered? Spring is here and it usually brings with it heavy and wet snow. Many losses to machine sheds, barns, quonsets occur in the Spring due to the weight of heavy snow that accumulates from spring snow storms. The peril of “snow load” is not always an included […]

Do You Operate a Motorcycle?

DO YOU OPERATE A MOTORCYCLE? Warm weather is on the way and with that Motorcycle season will soon be in full swing.  As with any vehicle, regular maintenance especially in the spring is important to keep your motorcycle in good running condition.  Check the tires for wear & proper air pressure, change the oil & […]

Prevent Sewer Back Up and Basement Flooding

Protecting your home from sewer back up Sewer back up results when the volume of water and sewage flowing into the sewer system exceeds its capacity. Heavy rains are a major cause of sewer back up. Other causes are blockages from tree roots, collapsed sewer pipes and improper use of the sewer system. Here are […]

Off-Road Insurance Program for ATV’s, Snowmobiles, Trail Bikes, and Dune Buggies

Got Toys ATV & Snowmobile Policies click here to apply now! Off-Road Insurance Program available as a Home Policy Add-On or Stand Alone Policy Got Toys insurance is for personal ATV’s, snowmobiles, trail bikes, and dune buggies. Currently they offer liability up to $2,000,000, Accident Benefits and physical damage options of all risk, comprehensive or […]

Guaranteed Replacement Cost vs Replacement Cost Coverage

Guaranteed Replacement Cost Guaranteed Replacement Cost is a type of home insurance policy that offers the highest level of coverage. This policy will pay whatever it costs to put your home back together as it was before the covered disaster–regardless of the limits listed in your policy. A Guaranteed Replacement Cost policy protects you from […]

Does your small business need Commercial Auto insurance? Find out here.

Whether you’re an electrician driving from site to site or a florist delivering beautiful bouquets — if you own a small business that requires the use of a vehicle, you’ll need commercial auto insurance. Many small business owners think they’re protected under their personal policy, but it’s important to understand the differences between the two […]

Considerations for a Worry-Free Vacation or Winter Away.

Considerations for a worry-free vacation or winter away: Home Security to protect your home while you’re away.  Your home must be checked regularly — some home insurance policies require that someone visits the home daily or every other day, so make sure you have a family member or neighbor visit your home on a regular […]

Going away for the winter on vacation? Make sure your home is covered.

Did you know that you may not be covered in the event of a sudden and accidental escape of water during the winter while you are on vacation? There are certain things you can do to ensure you are still covered, however it varies by company. Some of these things may include, but are not […]

If it’s Livestock, We Can Insure it!

Bull Sales are right around the corner!! Give our office a call and we can insure your newly acquired Bull right from the sale!  ALL RISKS OF MORTALITY INSURANCE (ARM) covers 100% of bull’s (or female’s) insured value for DEATH (or vet ordered slaughter) from accident, injury, sickness, or disease. Includes road transit in Canada & Continental USA. EXCLUDES government slaughter […]

Is your dwelling vacant? We need to know.

You Must advise your Insurance Broker if your dwelling becomes VACANT! What does VACANT mean? –  That all occupants have moved out with no intention of returning and no new occupant has taken up residence; or no occupant has yet taken up residence of a newly constructed or acquired dwelling. Insurance companies do not insure loss or […]

Cyber Liability Insurance

Cyber Liability insurance is not included under theft and criminal activity of your other policy! All businesses hold personal information of individuals whether it be a paper file or on the computer for customers or employees. Also, if your business relies on an online presence and use e-commerce as a method of distribution or have […]

Ice Dams can Cause Damage to your Home

In Saskatchewan, snow falls regularly, with interspersed periods of melting and freezing which can lead to ice dams, causing considerable damage to your home. What causes an ice dam? Snow acts like an insulation layer on the roof above your attic. When snow melts above a warmed attic, water moves down to the cooler roof […]

How does an aging roof effect your insurance?

Is your roof getting up there in age? Starting in 2018, SGI CANADA will apply depreciation – the loss in value due to wear and tear – to roofs that are 16 years or older if you put in a claim for hail or wind damage. That means a certain percentage will be subtracted from […]

Change of Address Law

Do you know about the change of address law? By law you are required to report change of address and name changes to SGI within 15 days and it must be the address where you live. It’s free to update your file. You can use MySGI or visit us at Farrell Agencies and the updated […]

Protect your Home, Belongings and your Legal Rights with SGI CANADA Legal Expense Insurance

Legal Expense insurance coverage is now standard on all SGI CANADA Prestige, Home Pak, Mobile Home Pak, Tenant Pak, Condominium Unit Owner’s Pak and Agro Pak* policies. This coverage empowers you when you are faced with unexpected legal issues by paying your legal costs to pursue or defend your legal rights for: contract disputes property […]

Commercial Auto Insurance – Protect Your Business

Commercial auto insurance in Saskatchewan is an investment in protecting what you value most! So invest the time in exploring your options to make sure you find a solution that’s not only perfectly suited to your requirements but also available at a very reasonable price. What is commercial auto insurance? Commercial vehicle insurance is a […]

Bills of Sale – The Easy Way

Farrell Agencies can now accept bills of sale changes by email to info@farrellagencies.com! Commercial and Private bills of sale in addition to dealer bills of sale can now be accepted by email or fax to accommodate an ever increasing use of electronic communication and to give a better customer service. A customer now has the […]

Let’s Talk About Employee Dishonesty

Let’s talk about Employee Dishonesty. As business owners and managers, we take pride in the people we hire.  We believe in and trust our people. But what happens when that trust is broken? What happens when an employee steals from the business? The first reaction to employee theft, of either property or money, is often […]

Service Line Coverage is an Important Addition to Home Insurance Policy

Service line coverage is an important coverage addition to your home insurance policy it will cover the costs associated with repairs to underground piping and wiring going into your home that is not covered under your standard home insurance policy. This coverage will generally include those unexpected costs of excavation costs, repair of the damaged […]

Tips for Safe Winter Driving

Winter driving can be stressful. To stay safe on the road here are some tips: Scrape your windows all around.  Many winter collisions occur because drivers are going too fast for road conditions. Slow down and keep a 5 second following distance.  Steer gently on curves and in slippery conditions. Hard braking, quick acceleration and abrupt […]

Insurance Premium Discounts based on Credit Scores are Available!

A person’s credit score has proven to be a strong indicator of the likelihood a customer will file a claim. Credit-based insurance scores are not used in the same way as traditional credit scores. While traditional credit scores are used to predict the likelihood that a consumer will default on a loan, credit-based insurance scores are used […]

Home Systems Protection

Home Systems Protection covers repairs or replacement when home systems, equipment and major appliances mechanical break down. For example: If your furnace has mechanical break down or your home entertainment system stops working, you’d have insurance to pay for the cost to replace it. What does it cover? Home systems and equipment like: boilers, furnaces and […]

Licence Plate Readers Provided to Law Enforcement

SGI has provided law enforcement with money so that they may install Automatic Licence Plate Readers (ALPR) in their patrol vehicles as part of our commitment to traffic safety. The ALPR system includes a computer installed in the interior of the patrol vehicle in the officer’s view, as well as strategically placed and adjustable cameras […]

How does Water Protection Coverage help me?

What is Water Protection Coverage and how does it help me? Water Protection Coverage is its most comprehensive water coverage. Under Water Protection Coverage, you’re insured for sudden and accidental flooding, surface water, ground water and sewer back up. That means: Surface water – water on the surface of the ground where it doesn’t usually […]

Why should you deal with Farrell Agencies?

Farrell Agencies is the largest and only locally owned company in the insurance industry. We offer information and support to our customers through e-mail, phone, or in person. We have several locations to meet the needs of all surrounding farms, companies, and individuals. Going above and beyond for our customers is a MUST and we […]

Commercial Insurance – Tip of the Week

No matter how well you plan, operating a business comes with an element of risk and unpredictability. Your commercial insurance policy should provide some peace of mind and help you prepare for the unexpected. Getting the right type of commercial insurance coverage for your business operations can protect you as a business owner from sudden […]

Equipment Breakdown Insurance

Equipment Breakdown is more than just Boiler & Machinery coverage.  Equipment breakdown insurance aka boiler machinery insurance, is a form of property coverage. You may not have a boiler and machinery exposure but you still face insurance equipment breakdown exposures whether from electrical arcing or mechanical breakdown of HVAC or refrigeration equipment.  Coverage is provided […]

Home Insurance 101

Owning a home may be your largest single financial investment so it’s important to protect your property and contents against unforeseen risks with home insurance. Although not mandated by law, insuring your house can give you peace of mind. Home insurance protects you from having to pay out a huge amount at once, often at […]

Auto Insurance: 4 Facts You Need to Know

In addition to the basic coverage provided with your licence plate, Farrell Agencies offers extension auto coverage, which allows you to lower your deductible and increase your liability limit. 4 Facts you need to know about auto insurance: There is a 5% multi vehicle discount available with SGI when all vehicles are in the same […]

Need Drone Insurance for your Business or Farm?

Using drones in your business or farm?  If the answer to this question is yes then you have a need for drone insurance because: • most current commercial and farm insurance policies exclude aircraft losses and drones are considered an aircraft • Transport Canada can levy fines up to $25,000 and/or jail time for not […]

To Claim or Not To Claim

In order to have the benefit of the best coverages and keep premiums low, it is wise to be selective on the claims you would submit. A good claims history results in lower policy premiums.

Five Year Driver’s License

Not only is it more convenient, but you also save money by buying a 5 year driver’s license.

New Resident’s Licensing

If you don’t change to a SK licence within 3 months then you are driving with a licence that is not valid.

Renters Insurance

If you rent your home, you need to read this.

High vs. Low Deductible

High vs. Low Deductible

Insurance Tip of the Week

This week Jason Farrell talks about Overland Water Protection, boat policies and motorcycle licensing.

Travel Medical Insurance

Now that the weather is warming up, many of us find our thoughts turning to the upcoming summer holidays! In addition to all the preparations associated with planning a summer getaway, one often overlooked step is the purchase of travel medical insurance. Travel medical insurance can help protect you and your family from unexpected costs […]


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