Proud to be Canadian – Happy Canada Day!
It is hard to believe that Summer is officially here and 2015 is already half over. As Canada celebrates another birthday, we would like to take this time to wish all of our clients, friends, family and associates a very Happy Canada Day! In celebration of the holiday, we thought it would be fun to…
Home Service Line Coverage
Most homeowners do not realize that they own and are responsible for the outdoor sewer and water pipes and underground electrical and communication lines that connect from the street to their home. In the event that services fail, the homeowners may be liable for the maintenance and repair costs, which could be substantial. Peace…
Course of Construction
Course of construction insurance, also know as a COC, is an insurance product that provides coverage on the construction of a building. A COC can be purchased for the construction of a large commercial risk (such as a strip mall or apartment building), or it can be purchased for the construction of an insured’s…
Welcome Arvind!
We would like to officially welcome Arvind Pandher to the Costen & Associates Team! Arvind joined us in May 2015 and will be taking over for Peter O’Sullivan, who has moved to London. Arvind is currently completing a Bachelor of Commerce Degree in Risk Management (Insurance and Finance). He is a huge basketball fan…
Named Perils vs All Risk Coverage
When placing insurance on your property, whether it be your home or business, it is important to note what type of coverage you are purchasing: Named Perils or All Risk? A Named Perils insurance policy covers only what is specifically noted on the actual policy, whereas an All Risk insurance policy will cover all losses subject to any…