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Cold temperatures make it difficult for engines to work properly, Snow limits tire traction and salt causes rust and gravel pits on the exterior paint. This is why it is a good idea to protect your car during cold months by winterizing your vehicle before the beginning of the season. READ MORE >>

The typical employee's desk has more bacteria per square centimetre than an office toilet seat. If that's not disturbing enough, desks, phones and other private surfaces are also prime habitats for the viruses and bacteria that cause colds, the flu, strep throat, pneumonia and other illnesses. READ MORE >>

Greg shares tips for throwing a safe holiday party in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw. Here's a full transcript of the episode. Rob Carnie: It is November, and that means Christmas is just around the corner. READ MORE >>

In spite of the ambiance and relaxation that a fireplace provides, there are also inherent fire dangers. To combat the risk of fire or inhalation of dangerous carbon monoxide (CO) gas, it is important for you to make chimney maintenance part of your home loss prevention plan. READ MORE >>

Greg shares tips for preparing vehicles for winter in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw. Here's a full transcript of the episode. Rob Carnie: Are you ready for winter? READ MORE >>

Your home insurance covers the house itself. But how far beyond the walls of your home does that policy extend? If something happens to your fence or your lawn, are you covered? Here's what you need to know: Outdoor property — such as fences and sheds — are generally going to be covered. READ MORE >>

What Exactly Is Personal Umbrella Coverage? The Definition A personal umbrella policy provides additional coverage when a client's base liability coverage is exhausted. It covers legal fees and loss of income associated with liability claims – even for incidents that occur outside of Canada. READ MORE >>

Greg shares fire safety tips for children in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw. Here's a full transcript of the episode. Rob Carnie: The month of October is Fire Safety Month. READ MORE >>

Why Do I Need A Home Inventory? Creating a home inventory is super important! It's not only vital for insurance purposes (in the event that your home gets destroyed), but also for maintenance, estate planning, and marketing your home when the time comes to sell it someday. Is this process time-consuming? READ MORE >>

Greg show homeowners can prepare their properties for winter in this episode of Ask The Expert. 800 CHAB radio presents Ask the Expert with Greg Marcyniuk of Heritage Insurance located in Moose Jaw. Here's a full transcript of the episode. READ MORE >>

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