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Loss Prevention - Here To Help Protect Your Property | AMICO

As a mutual insurance company, our policyholders are our owners — we want to do all we can to help them prevent loss. Property owners need to understand the risks they may face in order to mitigate them. Our Underwriters work with you and your insurance broker to identify risks before accidents happen, and provide recommendations to reduce, prevent, or eliminate losses. We offer loss prevention services in and around the areas of Algoma, Sudbury, North Bay, Timmins, Parry Sound, the Muskokas, and Haliburton. Our policy premium includes tips on preventing loss and provision of on-site inspections at no additional charge that:

  • Detect hazards and promote safety
  • Provide expert recommendations which will prevent losses
  • Take and review photos, as required, which will ensure your file is accurately represented

Our Loss Prevention Services

We’re here to help you protect your property to prevent losses — before they happen.

Wood Heat

Inspectors assigned by Algoma Mutual will determine standards adequacy, clearances, and general safe practices pertaining to wood heat.

Oil Tank

We’ll assign inspectors to determine minimum gauge and maximum age of oil tanks and overall efficiency of oil furnaces.


Inspectors assigned by our company will confirm adequate fusing and breaker configurations to prevent electrical fires.

Frequently Asked Questions

What is the minimum gauge and maximum age of oil tank that we will insure?

The minimum gauge of an oil tank needs to be 12 and the maximum age is 20 years old.

What is the best way to prevent a chimney fire?

Chimney fires are prevented by regular cleaning of flues and dry storage and accurate curing of wood.

How can flooding be prevented?

Flooding can be avoided by ensuring the backslope to a property is well drained and by having efficient sumps with working pumps as required.

How often should my home be visited if I am away in the winter?

If the pipes are not drained, the home should be visited daily when you’re away from your home in the winter.