HRC Insurance Blog

Kitchen Safety

Every year, more than 4 million Canadians get food poisoning. Did you know that you cannot tell if food is unsafe but its smell or taste? When it doubt, throw it out. Here are some kitchen safety tips to keep in mind when in the kitchen.

Published: 11/6/2015 12:52:00 PM - by: HRC Insurance

Halloween Safety Tips

Choosing the right costume
• Use make-up or face paint instead of a mask. But before using paint or make-up do a patch test to see if your child has a reaction.
• If you do use a mask, make sure it fits properly and allows you to see and breathe easily.


Published: 10/30/2015 4:27:00 PM - by: HRC Insurance

Winterizing the Cottage Tips

The leaves are falling and the mornings are getting crisper. Now that cottage season is over, it’s time to get it ready for the winter. Doing a proper job when closing up the cottage for the winter means you will have a more enjoyable weekend opening up the cottage in the spring. Although every cottage is different here are some things to keep in mind while putting your cottage to bed for the winter.

Published: 10/23/2015 3:17:00 PM - by: HRC Insurance

Winter Tire and Winter Driving Myths

Winter tires are not like All-season tires. Winter tires have special rubber compounds designed to improve traction, handing, and breaking in all cold weather conditions, just not on ice and snow. Using four winter tires is recommended. Four winter tires ensures optimum traction and control for all vehicle types it’s the cheapest insurance you can buy to protect yourself, your family, and others on the road. Here are some winter driving myths:

Published: 10/16/2015 4:29:00 PM - by: HRC Insurance

Fall Maintenance Tips

When the leaves start to change it’s beautiful, but not when it builds up in your gutters. Here are some tips to keep in mind for your house or cottage this fall.

Published: 10/9/2015 10:25:00 AM - by: HRC Insurance

Fall Wildlife Precautions

Have you ever noticed how animals seem to be more active in the fall? This happens because bears hibernate and need to find food for the winter. Deer are similar as fall is a good time to find food. We need to be aware of these animals as in Muskoka our paths do cross from time to time.

Published: 10/2/2015 2:13:00 PM - by: HRC Insurance

Fall Heating

With fall here the nights can get chilly. This weather brings with it some heating concerns. Fireplaces, woodstoves, space heaters and candles are all major causes of house and cottage fires and can be very easily avoided with a few simple steps.

Published: 9/25/2015 9:21:00 AM - by: HRC Insurance

Kitchen Safety Tips

The kitchen can be a dangerous place. You are working with boiling liquids, hot surfaces, and handling sharp knifes and utensils. Cooking can be fun, but kitchen safety is always a priority. A good part of kitchen safety is keeping organized and planning in the kitchen. So let’s learn how to stay safe in the kitchen.

Published: 9/18/2015 3:19:00 PM - by: HRC Insurance

CO Safety

Carbon monoxide (CO) is a highly poisonous gas. You can’t see it, touch it or smell it; this is why it is often referred to as “the silent killer”. This odourless gas is produced as a by-product of combustion when common fuel burning appliances and equipment that use natural gas, oil wood and propane, don’t get enough air to burn up completely. When this happen co can build up and can cause toxic effects. Most of these sources are associated with malfunctioning fuel burning equipment and appliances along with poor venting and confined spaces such as; a furnace room, garage, cabin/cottage, tent, RV, boat, cabin or camper.

Published: 9/11/2015 2:54:00 PM - by: HRC Insurance

Campfire Safety

Whether you are camping this weekend, at the cottage or just spending it at home it is always a good idea to be educated when it comes to campfire safety. Knowing how to pick a spot, how to build and prepare your pit, and extinguish your campfire are key. Here are some tips to keep everyone safe around the campfire.

Published: 9/4/2015 10:46:00 AM - by: HRC Insurance


Since the 1900's...

Born under the name George Hutcheson, Hutcheson, Reynolds & Caswell Ltd. began providing insurance policies in Muskoka since the early 1900s. Bernard Reynolds joined the firm in the 1940s and purchased the firm from George Hutcheson in 1967. Finally, in 1980, David Caswell joined the company's ranks to complete Hutcheson, Reynolds and Caswell. We have grown along with our name and provide the same dedication to superior customer service and top-notch insurance coverage that George Hutcheson was famous for over 100 years ago.