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We have built a strong foundation of high quality insurance products and exceptional customer service through the support of our dedicated, independent broker network. 

Whether you are looking to find a broker in your area or for helpful 24 hour claims assistance, we are there for you when you need us the most.


Celebrating Canada Day Patriotically... and Safely

Canada’s birthday is extra special this year. Across the country, people are making plans to show off their Canadian pride and celebrate this great land of ours.

But before adorning your red and white and grabbing those sparklers, check out these tips for enjoying a happy and safe Canada Day long weekend.

Fire Up The Grill!

There’s no better way to celebrate our sesquicentennial than a BBQ party. A few tips to keep everyone safe:

  • Never operate a grill indoors
  • Keep your grill a safe distance away from pets and children, and at least 3 metres from flammable objects
  • Inspect your barbeque to ensure the connections are secure and the hose is in good condition without any crimps, punctures or damages.
  • Clean your grill regularly.  A great way to do it is rubbing a cut onion over the grates to loosen built up grime!

Celebrate with Fireworks

A beautiful tradition on Canada Day is to light up the night sky with spectacular firework displays. But they can be dangerous. Follow a few simple tips to stay safe:

  • Check with local regulations and requirements which may enforce controls with firework displays
  • Set up smartly. Fireworks should only be lit outdoors in open spaces, and away from dry grass, trees, plants, buildings, vehicles and flammable objects.
  • Set up your fireworks so the wind is blowing away from spectators, buildings and trees
  • Have a bucket of sand, supply of water and a fire extinguisher nearby and readily available
  • Sparklers may seem like harmless fun, but they can reach temperatures of 650°C. They also remain hot after burning out. Once finished, immerse sparklers in a bucket of sand or water before disposal.

Whether celebrating at home, at the cottage or at family or friends’ homes, always remember to never drink and drive. After all, wouldn’t it be great to see Canada’s 200th birthday?


Heavy Rain Storms | What To Do To Stay Dry and Safe

They say spring showers bring summer flowers, and this year is no exception. While our flowers may be happy, we should all be wary of the damage significant rain can cause to our property and home. Not to mention that some areas have seen so many concurrent rainy days, so the ground may be overly saturated and have little ability to absorb more water, which increases the risk of flooding, particularly in low-lying areas.

Pembridge is ready to respond and manage questions and claims. Should you need to report a claim, please contact your broker or call our Claims Promise Line.

Tips to help you stay dry and prevent damage:

  • If safe, clear eavestroughs and downspouts of leaves and debris to help water drain properly. If possible, clear debris from storm drains on your street.
  • Move electronic equipment and other important items out of the basement to a higher floor.
  • If it looks like water intrusion may occur, shut off the electricity immediately.
  • Keep out of any standing water. Hazards from floating debris, sewer contamination, live electrical wires and slippery footing can make wading in flood waters extremely dangerous.
  • If you have a sump pump, check that the battery is in good condition, and that the float is clean and moving freely.
  • Reduce home water usage to reduce pressure on sewer systems.
  • Check for the latest emergency information. If told to leave your area, do so immediately and be sure to follow the recommended evacuation routes.
  • If outdoors, climb to high ground. Never cross floodwaters as water as shallow as 15 cm could sweep you off your feet.
  • If you come to a flooded area in your vehicle, turn around, head for elevated ground and park there. As little as 60 cm of water can carry a car away.

Once the rain has passed:

  • Do not turn on the power after significant water damage. Ask your hydro company for assistance.
  • If possible, record details of any damage before you begin clean up. Take photos or video to help with your insurance company’s assessment.


Above all stay dry, and stay safe.


Tips to Prepare for High Winds, Heavy Rains and Floods

  • Contact your municipal offices to inquire about disaster relief programs in your community
  • Keep the area around your home clear of garbage and recycling bins, patio furniture, yard debris and other objects that heavy winds could pick up and blow around
  • Clear eaves troughs and downspouts of leaves and debris and ensure downspouts drain properly - ideally six feet away from your home
  • Get a licensed professional to: install an anti-backflow valve; install a sump pump with a reliable power backup; inspect your current equipment; clear drains of roots or obstructions; and ensure drain systems are working properly
  • If it looks like water intrusion may occur, shut off the electricity and outside gas valve immediately. Move important personal documents and expensive items out of the basement to a higher floor to keep them safe from water damage
  • Never go near or touch fallen power lines. Call your local energy utility company to alert them to damage.


Prevent Water Infiltration

  • Check walls, floors, windows and foundations for cracks or leaks after a heavy rainfall or rapid thaw. Make any necessary repairs immediately.
  • Repair or replace damaged weeping tile systems.
  • Clear eavestroughs and downspouts of leaves and debris at least once a year – late fall is a good time.
  • Ensure downspouts drain properly – ideally six feet away from the home.
  • Be sure the grading around your home drains water away from all exterior walls.
  • Consider soft surface landscaping to direct storm water into the ground rather than the local sewer systems (e.g. increase sodded areas, porous pavements).
  • Consider the installation of rain barrels to prevent runoff. 


Fort MacMurray Wildfires | We Were There

On May 1, 2016, the residents of the municipality of Wood Buffalo in Northern Alberta were enjoying an early summer, with record breaking temperatures of 30° + and no sign of rain in the forecast. Little did they know their lives would be turned upside down in days to come.  A wildfire was beginning southwest of the city of Fort McMurray, and because of the hot, arid weather, there was no stopping its destructive path. On May 3rd a mandatory evacuation order was given for the town and over 100,000 residents were told to leave their homes, and leave quickly. People were displaced to evacuation centres and told to ‘wait and see’ what would happen next.

Over the coming days the fire would grow to 101,000 hectares, destroying almost everything it touched. And there was no rain in sight.

Read about how we were there to respond and support the victims of the wildfires through our cronilogical posts... Read More.


Fraudulent Cheques 

Some individuals and customers may have received what appears to be a cheque written by Pembridge or Pafco from “My Shop Inc.” or “Staple Research INC” (could now be under another name) citing payment for a mystery shopper program. Please note that these are not authorized company cheques nor are we affiliated with either company in any way. The cheques should NOT be deposited. To the best of our knowledge, this scam is focused in the GTA.

We take these types of scams very seriously and we have reported this fraudulent activity to the appropriate authorities. We recommend that any individual who receives this letter report it to the police.