More Personal Insurance Products

At Sinclair Cockburn we understand that each client is unique and require specialized forms of protection. Simply put, we're about a lot more then protecting your house and automobile. Whether you enjoy spending your weekends at the cottage or the thrill of off-road adventures we have the coverage you need. Below you will find a coverage that best suits your lifestyle.

Personal Umbrella

A Personal Umbrella policy works just as it sounds, providing additional protection in the event of a catastrophic loss where your current auto, property and watercraft limits have been exhausted. This extension acts as an umbrella to your current limits. Typically, your individual policies will cover you in the event of a loss for 1 million dollars of coverage but because we live in a world of uncertainty, Umbrella policies are a growing necessity to protect you from financial loss when the unimaginable occurs.

Watercraft

Just as there is great responsibility while driving a vehicle, a boat owner has much to consider while out on Ontario's waters. It is important to ensure your assets are protected in the event of an accident, theft, or mechanical breakdown. Whether you operate a small pleasurecraft, in-board or out-board vessel, or large yacht, let one of our professionals navigate you through the process to ensure your time on the water is stress-free.

Did you know some insurance companies exclude theft coverage should your boat or seadoo not be locked inside a building? Did you know some insurance companies limit coverage for damage to boats while pulling a water skier or may exclude this coverage altogether? There are distinct coverage options available to boat owners which our knowledgeable experts will assist you with.

Check out Transport Canada's Safe Boating Guide to help prepare you for life out on Ontario's waterways.

Farms

Sinclair Cockburn recognizes the well-defined coverage required for farms and will assist you in thoroughly examining which coverage best suits your need.

Coverage highlights available can include:

• Farm Building and building equipment
• Livestock
• Veterinary expense
• Products

Seasonal Vacation Properties

Sinclair Cockburn understands your seasonal property needs to be protected just as much as your primary home. Whether you have a seasonal cottage or an all year accessible vacation property, understanding the limits and coverage available are vital. Seasonal property coverage does differ from that of your primary home and many variables must taken into consideration.Sinclair Cockburn understands your seasonal property needs to be  protected just as much as your primary home. Whether you have a seasonal cottage or an all year accessible vacation property, understanding the limits and coverage available are vital.

• The differences and implications of Guaranteed Replacement Cost and Actual Cash Value
• Insuring to Value
• Road Accessibility
• Vacancy
• Fire Protection
• By-Law restrictions on re-building
• Loss Prevention Strategies

Snowmobiles

In Ontario, there are more than 35,000 kilometers of trail available for the avid snowmobiler. While enjoying the thrill of riding, you must also have peace of mind knowing Sinclair Cockburn is taking care of protecting one of your valuable possessions. Snowmobilers must be responsible and safe drivers while ensuring you have chosen the right carrier with the right coverage to enable full protection against loss/damage or injury. Sinclair Cockburn can help you make those choices. There are factors to be considered when insuring a snowmobile including;

• Who is permitted to use the sled and where?
• The size of the engine
• Protection while in transit
• Use on Ontario's highways
• Liability while on private property
• Owner/Operator responsibilities

All Terrain Vehicles

In 1996, the use of ATV's surpassed snowmobiling as the number one motor-powered recreational activity in Canada. All Terrain Vehicles can be a fun and exciting activity for the entire family however their use comes with inherent risk. Did you know that it is illegal to operate ATV's on public roadways except in certain circumstances? Do you know your legal rights as the owner of the ATV? Do you know the difference between an ATV and an OTV? These and other questions can be answered by our experts to help enhance your ATV experience and give you what's most important - piece of mind.