All-Risks Insurance Brokers Limited - Smiths Falls

Extreme weather isn’t just something that happens somewhere else. It’s happened here.

From the Ice Storm of ’98 to the 2022 derecho—and most recently the wildfire smoke that filled our skies in 2023 and 2025—Lanark County has already experienced the impacts of extreme weather. These events damaged homes, knocked out power, and disrupted our communities. As storms get stronger and weather becomes more unpredictable, preparing our homes is more important than ever.

The question now is: Is your home ready for what comes next?

Join Climate Network Lanark for a free workshop on protecting your home from extreme weather, including practical retrofit strategies and funding programs available locally.
📅 March 28 | ⏰ 9:30–12:00 | 💻 Online�🎟️ Free, but space is limited! Reserve your spot here: https://protectingyourhome.eventbrite.com/

71 DAYS UNTIL SPRING!!

Is it too early to start thinking about warmer activities? Maybe!

It is never too early to think about protecting your warmer weather toys!

Give us a call today!

📞: 613-702-8588
📨: [email protected]
📍: 2B Progress Rd, Smiths Falls

👋🏽 Lydia here!

Want to review Home & Auto??

Maybe go over some Life Insurance, Critical Illness or Mortgage Protection?

I can help.

Send me an email at [email protected], or give me a call at 613-702-8588 ext. 22001.

You can even book online with me ➡️ [email protected]/?ismsaljsauthenabled" rel="ugc" target="_blank">https://outlook.office.com/book/[email protected]/?ismsaljsauthenabled

I am looking forward to hearing from you!

Start the year with confidence.
January is the ideal time for business owners to review their insurance, update their policies, and ensure their coverage still fits their operations. All-Risks Insurance Brokers can help you assess your needs for 2026.

all-risks.com/business

New provincial safety requirements related to carbon monoxide (CO) alarms take effect January 1, 2026!!!

The new requirements apply to all new AND existing homes that have:
🔥A fuel-burning appliance
🪵A fireplace
🚗 An attached garage
💨NEW: A fuel-burning appliance located outside the home that supplies heated air (e.g., in a utility shed)

Under the updated Fire Code, CO alarms will now be required on every storey of your home, in addition to the existing rule to install one near each sleeping area! These updates are part of the Fire Code (O. Reg. 213/07) and aim to better protect residents from carbon monoxide, an invisible, odourless, and deadly gas.

⚠️Due to the ice, office is closed, but we are working from home!

Please call us at 613-702-8588 ⚠️

🚗Auto theft is on the rise, and the right insurance can make a big difference.

We can help you secure coverage that protects your vehicle against theft, vandalism, and related losses, while also reviewing options like endorsements, deductibles, and discounts for anti-theft measures.

The goal is simple: better protection and peace of mind if the unexpected happens.

📞: 613-702-8588
📨: [email protected]

Source: https://www.equiteassociation.com/top-10-most-stolen-vehicles

Why does Santa love insurance?
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Because even with all that cheer, there’s still a lot of risk on the roof.

🎅🏽🎄We will be out of the office for a few hours today for our staff Christmas Lunch, but will be back this afternoon

Please give us a call at 613-702-8588 or email [email protected] ☃️🤶🏽

media1.tenor.co

Rain and warm weather could lead to localized flooding and increased water levels across the watershed later this week. Learn more:
https://ow.ly/oZs150XKvvI

👩🏽‍💼Business insurance helps protect a company from financial losses caused by unexpected events. Below are some of the benefits your business insurance can offer:

1. Financial Protection 💰

Covers costs from property damage, theft, fire, or natural disasters

Helps pay for repairs, replacements, or rebuilding

2. Liability Coverage 🤕

Protects against lawsuits and legal claims

Covers injuries to customers, damage to others’ property, and legal fees

Some great policies can be: general liability, professional liability (errors & omissions), and product liability

3. Employee Protection 🥽

Workers’ compensation covers medical expenses and lost wages for injured employees

Employers’ liability protects the business if an employee sues

You can also get key person life insurance

4. Business Continuity 🛑

Business interruption insurance replaces lost income if operations are halted due to a covered event

Helps pay ongoing expenses like rent, payroll, and utilities

5. Asset & Equipment Coverage 🔨

Protects equipment, inventory, and tools from damage or loss

Can include breakdowns, cyber incidents, or transit damage

6. Cyber & Data Protection 🛜

Covers costs related to data breaches, cyberattacks, and ransomware

May include customer notification, recovery costs, and legal support

7. Credibility & Compliance ⚖️

Helps meet legal or contractual requirements

Builds trust with clients, partners, and investors

8. Customizable Coverage 📋

Policies can be tailored by industry, size, and risk level

In short: business insurance reduces risk, protects assets and people, ensures continuity, and provides peace of mind so owners can focus on growth.

How can we help you?