“Everyone gets hacked at some point. I’ll be fine.”: Data Breaches and Designers

We’ve all heard the stories. We all know the risks. But what does privacy breach really mean for an Interior Designer? 
When you rely on computer networks for the bulk of your work, hackers, malware, and ransomware pose a real threat. Whether it’s a stolen laptop, a breach in your cloud provider, or even extortion from a rogue employee, being on a network exposes you to cyber risk. And you might not realize the value of your digital assets—and the implications of a breach—until it’s too late.

Your Portfolio

For Interior Designers a cyber breach isn’t just the exposure of client data; it also means lost contact lists, past project files, or worse, current project files. Drawings, estimates, and resources that took countless hours of work and streaks of creativity to build up—all gone in an instant. You’d be facing a setback of days, weeks, or even months.

The business interruption from a data leak might be particularly harsh for companies that custom design and sell their own products, especially if a client has their heart set on a specific idea or model. For newer or smaller firms with limited funds, the resulting financial and professional fallout could be irreparable.

Your Reputation

Failure to protect confidential information and design files might also result in the end of meaningful client relationships and lasting reputational damage to your career. Upset clients may lose confidence in your business altogether if a project is overdue or over-budget because of a hack, no matter how good your work is. Once you’ve lost that trust, it’s hard to regain. And we all know bad news travels fast. It’ll be even harder to recover if there aren’t any new prospects knocking on your door.

Your Network of Contacts

Interior Designers of all kinds are attractive to cybercriminals for their third-party connections. And smaller businesses and start-up companies without high-profile clients are just as susceptible to attack, if not more, given their likelihood for fewer security provisions than a larger corporation or well-established design firm.

Your design contacts may open up opportunities for professional thieves to target wealthy clients or specialty businesses with high-value assets, like luxury furniture, fixtures, or artwork. The loss of sensitive information not only puts your clients at risk for further harm, it can also lead to lawsuits against you for inadequate safeguards.

So What Can You Do?

It’s not uncommon for a lot of Interior Designers to think that their property or liability insurance policy will restore their electronic records for a small add-on fee. But there’s no fast fix for a cyber attack, especially when your physical property isn’t your most valuable.

With privacy breach regulations in constant flux, it’s hard to keep up. You need to protect yourself from cyber exposure but how do you know what’s right for you?

Getting the protection you need for your digital assets requires the expertise of a team that understands the unique threats you face as a design professional. That’s why PROLINK—Canada’s Insurance Connection is offering an exclusive, cost-effective Data Security & Privacy Breach program tailored just for IDC members and available starting September 2019.

Highlights include:

  • Public Relations consulting for how to handle the breach;
  • Legal fees and coaching in case of a civil suit;
  • Business interruption and client notification coverage while you get your business back online;
  • And much more!

With over 35 years in the business, our solutions are a safe bet. We’ll provide you with the coaching, coverage, and care you need to feel secure again.

Want more information?

Contact us today!

The Top 4 Reasons Not to Get Identity Theft Insurance (and Why You Shouldn’t Listen to Them)

Picture this: it’s payday. Time to take care of those pesky bills! You log into your account and what’s this? Raptors tickets? A new flatscreen TV? Either you’ve been doing some serious sleep spending or you’re a victim of identity theft. 

Identity theft almost always leads to fraud and can range from bogus credit card charges and benefits claims, to major data breaches, impersonation, and, in the most extreme cases, espionage, organized crime, and terrorism. We know—that sounds pretty dramatic. But whatever the crime, the impact to your reputation could be devastating and send you spiralling into a financial mess.

That’s where identity theft insurance comes in. Skeptical? You’re not alone. Here are the top four reasons people opt out of identity theft insurance—and why you shouldn’t listen to them

“My bank will reimburse me.”

Sure, your financial institution might cover your losses. But they won’t reimburse you for any extra out-of-pocket expenses incurred as a result of the theft like: legal, consulting, or administrative fees, lost wages from time off work, or childcare and/or eldercare. Insurance can take care of that.

“There are tons of free protections out there so why pay for additional insurance?”

Credit freezes, reports, monitoring—financial institutions nowadays seem to have it all. But they aren’t always working in your best interest. They may not even realize that there is a breach or, worse, they’ll try to cover it up. It could be weeks before you’re notified and have a chance to do anything about it.

“I don’t need it.”

In an increasingly digital age, the threat of identity theft is everywhere. Fraudsters no longer need your credit card, laptop, or a well-timed virus to get your personal information. A name–maybe an address–and some internet access will do the trick. You could even be exposed to attack through your day-to-day online activity. Cloud-based software, social media, unsecured public Wi-Fi—you name it!

“It's too expensive.”

Luckily, PROLINK can negotiate with your insurer to add on identity theft coverage as a rider or endorsement to an existing homeowner’s policy for a fraction of the cost of a standalone policy.

It's not enough to keep a watchful eye over your bank statements.

Or update your firewall settings anymore. Your identity could be stolen no matter how careful you are; and, depending on the damage, it might take anywhere from days to months to even years to get back to pre-theft status.

At the end of the day, nothing will ever really protect you from a breach. But insurance can help you recover. With over 35 years in the business, we’ve seen it all. PROLINK—Canada’s Insurance Connection can provide you with the support you need to successfully manage the chaos of getting your life back in order.

Want more information?

Contact us today!

Vacation Insurance: Better Safe than Sorry

The temperature’s rising and you know what that means! Summer’s finally here and it’s time for some much-needed R&R. Vacations usually go off without a hitch, but no matter how much you plan, something can always go horribly wrong. Whether you’re traveling solo or in a group, domestically or internationally, or tanning on a beach or hiking in the mountains, the possibilities for trouble are endless. Sickness, accidents, delays, lost luggage—the list goes on.

The answer? Vacation insurance. We know, we know—it’s an added, often unused, cost. But just like any major high-value investment, having insurance can soften the impact of any unforeseen mishaps. Sure it might be tempting to skip out and save a few dollars right now, but getting injured abroad or having to call off a costly trip altogether can be anything from a minor buzzkill to a crippling financial blow.

Before you jet off to your next destination, we suggest reaching out to your broker to help pick the right kind of travel insurance for your trip. We’ve listed the most common types below to get you started:

Medical

International healthcare costs can be steep, especially in remote areas and in the U.S., where a hospital stay can easily approach up to $10,000 per day. Medical insurance can help cover hefty fees for emergency treatment, hospitalization, and transportation.

Flight

Flight delays and cancellations can put a damper on any trip. Insurance can reimburse any specified reasonable expenses incurred due to travel delay, like meals, accommodation, and transportation.

Trip Cancellation

Cancellation coverage comes in handy for costly prepaid, non-refundable expenses like cruises, airfare, and hotel deposits if you suddenly can’t go on your trip for an unprecedented reason such as illness, an accident, or a death in the family.

Trip Interruption

This provides coverage in case you have to cut the trip short for a personal emergency and, depending on the policy, evacuation for a natural disaster or disease outbreak, barring any preexisting travel warnings.

Lost Baggage

Baggage insurance can help reimburse the cost of lost or missing luggage and is particularly useful for high value items, like laptops, cameras, or other valuables.

Rental Car

Without rental car insurance, you could lose thousands of dollars in liability and/or legal fees if you’re involved in an accident abroad or accidentally cause damage and are held accountable for it.

Think of travel insurance as a small investment with high value. Yes, it’s not the most exciting part of trip planning. Yes, it’s an additional expense. But your peace of mind is priceless. Taking the time to set up protection in advance can save you the nightmare of unexpectedly forking out thousands of dollars while abroad.

With access to over 30 insurers, PROLINK—Canada’s Insurance Connection is equipped with the tools to help you make an informed decision and offer you a comprehensive insurance plan that suits your travel needs. We want you to travel with ease, comfort, and the confidence of knowing we’ve got you covered.

Want more information?

Contact us today!

Five Things We’ll Worry About, So IDC Members Don’t Have To

Some of you may have only considered getting business insurance to satisfy client demands in the past. But business insurance is more than just a necessary evil. The truth is, most business owners do far too little to protect themselves while failing to grasp the full implications of leaving themselves exposed.

Unfortunately, no matter how effective you believe the preventative strategies you have in place are, there is always a risk associated with doing business. Most often, it is something completely unexpected that you never considered that has the potential to disrupt your business. So what does business insurance really mean to you?

Here are PROLINK’s top five reasons Interior Designers need business insurance:  

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1. Clients can be crazy.

More politely put: they’re unpredictable. More and more often, we see unsatisfied and demanding clients resort to lawsuits when they don’t get their way. And lawyers simply sue everyone associated with the project and see what sticks.

Once you’ve been named, things get costly—even if you’re not at fault. Filing a simple Statement of Defence for a frivolous lawsuit can amount to $10,000 in legal fees. Business Insurance makes that cost go away.

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2.The Interior Design Business is complex.

In an industry with so many moving parts, the definition of “wrong” can be pretty broad. An ugly incident with a drill, a disagreement over the placement of knee-wall, or a mishap with one of the many owners, contractors, and suppliers can all spell disaster for your project. And like it or not, you could make a mistake yourself, even if you’re very good at what you do.

Professional Liability and Commercial General Liability Insurance protect you, your staff, and your business from claims made against you.

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3. Incorporating isn't a silver bullet, or silver shield, or silver anything really.

Incorporated business owners are “corporate directors”, and can be held responsible for massive expenses. And if something goes wrong, you can’t just declare bankruptcy, start over, and expect there to be no personal financial repercussions.

Professional Liability Insurance enables you to cover the expense, not run from the consequences.

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4. Hackers, malware, and ransomware pose a real threat.

Digital asset losses take time and resources to rebuild. And something as simple as a data loss can eliminate client and contact lists, estimates, past project files—not to mention drawings and resources that have taken days or weeks to prepare. An interruption in your business can have revenue implications and lose you clients who need your services now.

Data Security and Privacy Breach Insurance protects you against these losses, helps you get your electronic assets back in order, and your business back online.

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5. Sophisticated clients demand protection.

Increasingly, clients entering into contractual relationships want their suppliers to have proper business insurance coverage. Many commercial clients may even ask to be added as an additional insured on your policy.

Their coverage demands can get quite pricey, but the IDC Professional Insurance Program makes it easy and affordable to meet their requirements.

So what can you do?

Your business is everything. It has taken tremendous effort to build. It needs to be protected against misfortunes that could undo everything you’ve accomplished and result in punishing financial losses. IDC’s Professional Insurance Program is the cornerstone of that protection.

Ask about the IDC Professional Insurance Program

Call 1 800 663 6828 or click on the button below to learn more today!

Planning to automatically renew your home insurance? Hang on a second. If you’ve made any of the following changes–talk to your broker!

What do you do when you receive your home insurance renewal in the mail? Do you carefully scan your limits and deductibles, taking account of any changes made in the past year? Let’s be honest: unless you have experienced a major rate jump, you probably let it renew automatically. After all, who wants to make an effort to take stock of your contents, risk a rate change or talk to an insurance broker?

We get it. But we still think you should take some basic steps to ensure that you are properly protected and that you are taking full advantage of any discounts. So if you’ve made any of these changes, we suggest you talk to your broker: 

Pricey new purchases: It’s important to check in with your broker when you purchase an expensive new item like a TV, art, jewellery, glassware, a boat, or even a bicycle. Some of these items may require their own policy, whereas some will require a limit adjustment.

Renovations and other upgrades: If you’ve recently renovated your home, your previous limits may need to be adjusted to reflect the new replacement value. Alternatively, if you’ve updated your plumbing, your roof, or installed an alarm system or sump-pump, you may be eligible for new discounts.

Started a home-based-business or rented out your dwelling: A home-based-business or renting part of your home out is a great way to generate extra cash flow. However, you should be aware that this will likely require an update to your home insurance. 

Mortgage paid off: If you have recently paid off your mortgage–congratulations! As a bonus, hitting this milestone will likely mean that you are eligible for an additional discount on your home insurance! 

Taking the time to ensure that your most valuable asset—your home—is appropriately protected will save you a lot of financial strain should something unpredictable occur. At PROLINK—Canada’s Insurance Connection, we want you to feel confident that you have the right coverage. With over 30 years of experience and access to over 30 insurers, we can offer you a choice of solutions, price points, and other benefits to fit your needs.

One more thing: if you are part of a professional association and you have never looked into it before, we strongly recommend that you investigate your group insurance program. You could be saving hundreds of dollars off of standard market rates.

Want more information?

Contact us today!

What We Can Learn about Canadian Privacy Laws from Casino Rama’s Pending Lawsuit

In October 2016 Casino Rama suffered a massive breach exposing data on at least 10,990 people: patrons, employees, and even individuals who self-identified as having a gambling dependency.

Although Casino Rama claims to have had sufficient and reasonable security safeguards in place at the time of the breach, a recent report published by Ontario’s Information and Privacy Commissioner found the measures to be inadequate in protecting the privacy of Casino Rama’s patrons. A pending $60M class action lawsuit against Casino Rama, CHC Casinos Canada Ltd., and OLG has been further fueled by the Privacy Commissioner’s report and awaits approval by the courts in early May.

The suit could involve up to 200,000 plaintiffs thanks to privacy breach notification requirements as set out by the government—even though the actual number affected is close to 11,000. The suit alleges negligence, an intrusion of privacy, emotional distress, embarrassment, and reputational damage, all resulting from the data breach.

Negligence, as defined by Canadian Privacy Laws:

The unclear language surrounding what is considered to be a “reasonable” response time to investigate a breach and to notify clients, as well as the definition of implementing “reasonable” security safeguards leaves a large grey area for subjective interpretation. 

Pre-breach: Casino Rama's Security Measures

OLG and CHC Canada:

  • Had a broad IT Security Procedures document;
  • Restricted data on a need-to-know basis;
  • Asked employees to sign Computer Use Agreements;
  • Used web and email applications to filter malicious content;
  • Educated employees on phishing;
  • Used up-to-date anti-virus software;
  • And more.

By all general accounts, the above appears to represent sufficient measures. So what happened? How did their safeguards fail?

The Breach:

  • A computer hacker sends a spear phishing e-mail to the company email addresses of 11 Casino Rama employees. The email is ostensibly from a Casino Rama manager and contains a link to a supposed Holiday Work Schedule for Employees.
    • The email successfully bypasses Casino Rama’s phishing and email filtering software and arrives undetected. The targeted employees, while not part of the IT department, required local administrator privileges for no other reason than to access legacy software important to the business operations. They likely lacked the training and awareness of administrators with broad security enforcement responsibilities.
      • Those of the 11 who clicked on the malicious link, thought it was broken when it didn’t take them to any page. They did not pursue it any further.
      • Others approached their manager about the email. The manager identified it as fraudulent and promptly notified the IT department.
      • Casino Rama then sent out reminder communications that outlined how employees can recognize a spear phishing attack and advised that employees should delete the email and avoid clicking on any ­­unknown links in the future.

 

  • Several days after the incident: a Casino Rama employee notifies the IT department that a remote connection to her desktop prevented her from logging in at her workstation. In response, Casino Rama’s IT team launches a small-scale investigation but ultimately classifies the event as a low-severity incident.
    • Approximately three days after, the IT department changed all administrator, server, and firewall passwords.
    • Eight days following the remote connection incident IT conducted a thorough scan of the employee’s workstation. That’s when they determined a Russian IP address was attempting to communicate with the computer. Casino Rama blocked the IP address and considered the issue resolved.

 

  • In November 2016, the OLG notified the Information and Privacy Commissioner of a potential data breach at Casino Rama, and a few weeks later, the hacker released 4.49 gigabytes of sensitive information on the internet.

Where Casino Rama Fell Short: The Privacy Commissioner's Perspective

The main errors highlighted in the Privacy Commissioner’s Report were as follows:

    • Error #1: Granting administrator access to employees who do not need it to perform essential duties and who do not understand the security risk. The legacy software, with lackluster security measures, acted as an easy gateway to the organization’s server.
    • Error #2: Launching communications that did not instruct employees to report to their IT department if they had already clicked the link. Casino Rama believed that it had sufficient measures in place to handle any unforeseen consequences. This helped mask the size and scope of the attack.
    • Error #3: Failing to investigate quickly and appropriately. Eight days may seem like a short amount of time, but Ontario’s Privacy Commissioner firmly states that every minute counts when dealing with privacy breaches.

How Privacy Breach Insurance Can Help:

Privacy Breach Insurance can obviously help offset some of the potential financial liability related to legal costs and damages. The insurance also includes: 

  • Access to a forensic investigations team to help you determine the size and scope of the breach;
  • A breach coach who will guide you through the legal process of navigating a breach under attorney-client privilege. The coach will tell you what to report and when;
  • Funds to set up credit monitoring and notification for affected parties; and
  • A team of consultants to help manage your organization’s reputation.

Need guidance? PROLINK will help you plan and protect. We can share what steps others in your industry are taking and advise you based on your unique operations. 

Peter McCabe, Technology Practice Leader

Peter McCabe, Technology Practice Leader

Peter focuses on helping Canadian businesses address the implications of cryptocurrency and blockchain technology, as well as the new cyber security benchmarks set by the General Data Protection Regulation legislation in the European Union.

Want more information?

Contact us today!

April Showers Bring May Flowers…And May Floods Too.

After a long, cold, and snowy winter, Canadians are desperately seeking spring. Most Canadians will welcome the change from:
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Bleak Skies to Blue Skies

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Brown Grass to Green Grass

Snowstorms to Rainstorms

But we often forget about the sinister threat that lurks at the changing of the season: floods.

What's the risk?

Overland flooding caused by spring run-off due to melting snow and ice, or the torrential rains that are symptomatic of the season, is one of the costliest types of damage that can occur to your home and the most common type of home insurance claim in Canada. The heavy rains can also overwhelm sewer systems and cause sewage backup to seep into your home. Regardless of whether you live close to a body of water or not, the fact is: you may be at greater risk of flood damage than you think.

What can you do?

Here we’ve compiled the top three things you can do to minimize damage in the event of floods caused by overland water or sewage backups.

Overland Flooding Prevention:
  1. Install window well covers on basement windows to help prevent moisture from seeping in through your windows in the event of run-off & heavy rain.
  2. Ensure that downspouts extend at least 3m away from your house so that any water flows away from your property, instead of accumulating in one spot over time.
  3. Inspect and seal any cracks in the foundation & roof to prevent water coming into your home. Store any valuables in a high & dry place.
Sewer Backup Prevention:
  1. Install a foundation drain tile in your basement & direct it to a sump pump. If you have already done this, make sure to inspect & clean the sump pump’s filter once in a while to keep it working properly.
  2. Don’t pour greasy or oily substances down the drains, as they can build up & cause a sewer backup.
  3. If appropriate, call a plumber to help you install a backwater valve. While backwater valves will help sewage from flowing into your home, they will not suit every property.

How can your broker help?

Depending on how closely you’ve read your home insurance policy in the past, you may not know that the flooding scenarios described above are not covered by typical home insurance policies, potentially leaving you in the lurch if it happens to you. Not to worry though, in some cases, you may be able to purchase additional Overland Water Coverage and Sewer Backup Coverage as options. Alternatively, if you’ve recently installed a sump pump or backwater valve, you may be eligible for a discount.


At PROLINK—Canada’s Insurance Connection it’s our job to explain your coverages and your exposures, so that you can make an educated decision. We’ll guide you to the right coverage from the right insurer at the right price. 

Want more information?

Contact us today!

When it IS a good idea to pick the cheaper insurance plan—and when it definitely ISN’T

When on the market for home or automobile insurance, what do you look for? Please don't tell us you just want the cheapest possible option. We don't like to hear that. Here's why:

Insurance is meant to transfer financial risk away from you when something bad occurs. So if you ever
need to make a claim, you know that the insurance will cover: some, most, or all of the damage. That
way, you can continue on with your life mostly unaffected, even if something happens. If you only look
at the cheapest price without ensuring that you have proper coverage levels, you’ll likely find yourself in
store for some unpleasant surprises if you need to make a claim.

Now, pretend that you selected a plan with great coverage...

But your broker is still offering you two or three rates. The only noticeable difference between the plans
is the deductible. Can you pick the cheapest plan then? It depends.

WAIT—What's a deductible again?

A “deductible” refers to the amount that you
must pay out-of-pocket before an insurance
company will pay the remaining amount.
Deductibles help insurance companies prevent
small or frivolous claims. Plans that come with a
higher deductible usually have lower premiums.

But if you pick an amount that you do not readily
have set aside, then you will experience financial
strain trying to scrounge up the deductible, before
you can access the rest of your policy. You also
have to factor in how likely it is that you will need
to make a claim.

When it comes to auto insurance...

The truth is that your likelihood of getting into an
accident is always the same. So, if your car is
relatively new, we suggest that you pick the
lowest deductible—typically $500. This will
minimize the amount you pay out-of-pocket if your
car is totalled.

When it comes to home insurance...

Homeowners typically need to make a claim once
every nine years. In this case, it may be a good idea
to pick a higher deductible because it will lower
your premiums significantly.

But be warned: you never want to pick a deductible that is more than you can comfortably afford. This
would completely defeat the purpose of buying insurance in the first place—to transfer financial risk and
strain away from you!

Ultimately, you need a home and auto insurance policy that takes your risk profile, your coverage needs
and your budget into account. We can help with that. PROLINK’s dedicated advisors will take the time to
fully understand your unique circumstances and help you make insurance decisions that are relevant and simple.

Want more information?

Contact us today!

New Year, New Road Rules: Ontario doubles down on distracted drivers!

90% of Canadians know that it’s illegal to use a handheld device behind the wheel. 40% of Canadians admit to doing it anyway. Distracted driving is now the number one cause of fatal accidents in Ontario. The government has had enough.
Starting January 1, 2019, the police will enforce stricter fines for any driver caught:

Using a handheld electronic device to call, text, switch playlists, or use maps;

Typing a location into a GPS while driving automobiles;

Eating certain foods behind the wheel (like soup);

Holding an electronic device in their hand or driving with a visible display screen. 

While these scenarios represent the most common causes of distracted driving, they are not all-inclusive. The definition of distracted driving is anything that causes a driver to lose focus on the road—including using handheld devices at any red lights.

The costly consequences of distracted driving:
First conviction:
  • fine of up to $1,000;
  • three demerit points;
  • three-day license suspension.
Second conviction in five years:
  • fine of up to $2,000;
  • six demerit points;
  • seven-day license suspension.
Third conviction in five years:
  • fine of up to $3,000;
  • six demerit points;
  • 30-day license suspension.
Even more consequences: rising insurance rates. 

Distracted driving has led to staggering losses for auto insurers in the last couple of years. As a result, insurers have increased their premiums and become very risk-averse when deciding whom they will insure. With the new rules in place, some insurers will rate distracted driving as a major ticket.

A major ticket on your record will take your preferred rating down and add a 50% surcharge to your premium. Upon renewal, your rates will be approximately 175% higher. Insurers will consider you to be a high-risk driver if you have other tickets or accidents on your record in addition to a major ticket. That means some insurers may turn you away. 

What should you do?

Practice safe driving! You know the drill: no handheld devices, defensive driving, and keep a safe following distance of at least three seconds between your vehicles and other vehicles on the road. 

If you feel that you’re the victim of an unfair increase in your auto insurance—whether you are an existing client or not—PROLINK can help. Finding superior protection at a reasonable price is both an art and a science. Representing over 30 insurance companies and in business for over 30 years, we’ve got it down.

Call us at 1-800-663-6828 to get your quote today!


Dodge white-knuckle driving this season!

How to prepare your car for our trademark Canadian winters:
In general, Canadian weather is flakey, but winter takes it to a new extreme: snowflake-y.
One minute it will be clear and bright, and the next minute roads turn into a slip-and-slide. Canada: land of snow falls, snow squalls, and full-fledged blizzards. Snowy and icy conditions can test even the most seasoned driver.
Here’s how you can equip your car for safer driving through the winter season:

Winter Tires

Your car should have winter tires as soon as the temperature gets below 7°C. Before you roll your eyes & ignore our advice, consider the fact that in places like Germany when winter tires became mandatory, accident rates decreased by 50%. Plus, having winter tires from November to March will qualify you for a discount on your Auto insurance! When choosing your tires, look for the Alpine symbol and get a set of four for greater security.

Windshield Wipers

Replace worn-out windshield wipers with heavier blades. They will make it easier to remove snow & ice. Ensure that your washer fluid has anti-freeze & always keep a spare bottle on hand in case you run out. Finally, take the time to clean snow off your car, even when you’re running late. Being able to see properly will help keep you & other drivers safe on the road.

Winter Tune-Up

Many mechanics offer a winter tune-up special around this time of year. You should ensure that they check your break pads, fluids, battery, engine, sensors, & lights. This way, you’ll have peace of mind knowing that your car is well-equipped for the road ahead.

Emergency Kit

Anyone who’s ever been stuck in the snow knows that an emergency kit is a necessity in the winter. Stock yours with: a shovel, ice scraper, sand or a mat in case your tires need traction, jumper cables for your battery, blankets, flashlight, first aid kit, inflated spare and enough clothing to keep you warm.

Last but not least: Auto Insurance

Accidents can happen despite your best efforts. And when they do, you’ll want to know that you and your car are fully protected. At PROLINK—Canada’s Insurance Connection, it’s our job to explain your coverages and your exposures, so that you can make an educated decision knowing all the benefits and any risks.

Want more information? Contact us today:

Call 1 800-663-6828!