NEW YEAR, NEW BRAND! Have you heard? Opta has enhanced its suite of innovations with the addition of Precise Services (former sister company SCM Risk Management Services) to deliver more value for you in the ongoing digital transformation of the P&C industry.

Discover these benefits in 2019:

• One stop shop for all your underwriting needs• Superior data quality and analytical insight• Innovative property solutions with precision risk scoring• Technical loss control expertise, coast to coast

ONE SOURCE, COMPLETE RISK SOLUTION.

2019

Baby it’s cold outside – many Canadian homes are heated by oil. 16.5% of homes with oil heat inspected by Precise in 2018 had critical recommendations relating to their oil tanks and supply lines. Oil tank claims can be catastrophic—don’t let the need for winter heat put your insureds at risk!

January

SUN MON TUE WED THU FRI SAT

30 31 1 2 3 4 5

6 7 8 9 10 11 12

13 14 15 16 17 18 19

20 21 22 23 24 25 26

27 28 29 30 31 1 2

3 4 5 6 7 8 9

New Year’s Day

2019 February

SUN MON TUE WED THU FRI SAT

27 28 29 30 31 1 2

3 4 5 6 7 8 9

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 1 2

3 4 5 6 7 8 9

Cozying up to the fire with your Valentine this month? Over 56% of the critical recommendations relating to Wood Burning Appliances delivered by Precise in 2018 were rated as Critical. Prevent risk of house fires by ensuring all of your insureds’ wood burning appliances are installed safely.

Family Day (BC, AB, SK, ON, NB)Islander Day (PEI)Heritage Day (NS)Louis Riel Day (MB)

2019 March

SUN MON TUE WED THU FRI SAT

24 25 26 27 28 1 2

3 4 5 6 7 8 9

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 29 30

31 1 2 3 4 5 6

Prevent March Break-ins. While your insureds decide where to travel for spring break, remind them to protect their home from break-ins by having someone check their home regularly and use lighting timers to make their home look lived in.

2019 April

SUN MON TUE WED THU FRI SAT

31 1 2 3 4 5 6

7 8 9 10 11 12 13

14 15 16 17 18 19 20

21 22 23 24 25 26 27

28 29 30 1 2 3 4

5 6 7 8 9 10 11

April showers bring May flowers. As a flood prevention tip, this is a great time of year to remind your insureds to check that their sump pump is functional and will prevent water from entering the basement/crawlspace during the rainy season. Precise delivered over 4000 recommendations in 2018 relating to sump pump installation and maintenance.

Good Friday

Easter Monday (QC)

2019 May

SUN MON TUE WED THU FRI SAT

28 29 30 1 2 3 4

5 6 7 8 9 10 11

12 13 14 15 16 17 18

19 20 21 22 23 24 25

26 27 28 29 30 31 1

2 3 4 5 6 7 8

Buds and flowers can mean drains overpowered! Spring rain can cause real damage this time of year so encourage your insureds to get outside and inspect their service gutters and downs spouts, making sure plant debris are not blocking their gutters from flowing the water away from the foundation. In 2018, Precise delivered over 2500 recommendations relating to eavestroughs and downspouts.

Victoria Day (Except NB, NS, NL)

2019 June

SUN MON TUE WED THU FRI SAT

26 27 28 29 30 31 1

2 3 4 5 6 7 8

9 10 11 12 13 14 15

16 17 18 19 20 21 22

23 24 25 26 27 28 29

30 1 2 3 4 5 6

Start the cottage season right for your insureds by giving them these useful tips to ensure a safe and enjoyable cottage experience: Walk around the cottage to determine any visual exterior damage like fallen trees, check ceiling for water damage or ice damming, turn on water lines and inspect for leaks, and check for any rodent damage.

Aboriginal Day (NWT)

St. Jean Baptiste Day (QC)

2019 July

SUN MON TUE WED THU FRI SAT

30 1 2 3 4 5 6

7 8 9 10 11 12 13

14 15 16 17 18 19 20

21 22 23 24 25 26 27

28 29 30 31 1 2 3

4 5 6 7 8 9 10

Here is everything you need to know about a smokin' BBQ season: Prevent risk of fires by reminding your insureds to never BBQ indoors, keep BBQ 2- 3 feet away from their house or garage and always store gas cylinders outside. After grilling, make sure the gas supply is turned o�.

Canada Day

2019 August

SUN MON TUE WED THU FRI SAT

28 29 30 31 1 2 3

4 5 6 7 8 9 10

11 12 13 14 15 16 17

18 19 20 21 22 23 24

25 26 27 28 29 30 31

1 2 3 4 5 6 7

Never too late for pool and spa safety- Protect your insureds with safety tips to reduce their liability by ensuring their pools and spas are gated o� and latches lock securely and are in place.

Civic Holiday (AB, BC, SK, ON, NB, NU)

2019 September

SUN MON TUE WED THU FRI SAT

25 26 27 28 29 30 31

1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 1 2 3 4 5

September is back to school month so let’s all get some education about liability around the property. Clean the house and dispose of unwanted items that may block the exits or may present a tripping hazard. 3% of the homes inspected by Precise in 2018 had recommendations relating to significant housekeeping issues—like finding a needle in a haystack, but those are the needles you want to find!

Labour Day

2019 October

SUN MON TUE WED THU FRI SAT

29 30 1 2 3 4 5

6 7 8 9 10 11 12

13 14 15 16 17 18 19

20 21 22 23 24 25 26

27 28 29 30 31 1 2

3 4 5 6 7 8 9

October is Fire Prevention month and smoke alarms save lives. 12.5% of the homes inspected by Precise in 2018 had recommendations relating to the smoke detectors and carbon monoxide detectors. Reduce the risk of fire by reminding your insureds to check their smoke alarms for expiry dates and change the batteries when we turn back the clocks.

Thanksgiving(Except NB, NS, NL)

2019 November

SUN MON TUE WED THU FRI SAT

27 28 29 30 31 1 2

3 4 5 6 7 8 9

10 11 12 13 14 15 16

17 18 19 20 21 22 23

24 25 26 27 28 29 30

1 2 3 4 5 6 7

Cold enough for you?! Its pipe freezing season. Prevent water damage by reminding your insureds to set their thermostat to a minimum of 15 °C and shut-o� the exterior faucets. If they plan to be away during winter months, remind them to have someone check on their home regularly.

Remembrance Day(Except MB, ON, QC, NS)

2019 December

SUN MON TUE WED THU FRI SAT

24 25 26 27 28 29 30

1 2 3 4 5 6 7

8 9 10 11 12 13 14

15 16 17 18 19 20 21

22 23 24 25 26 27 28

29 30 31 1 2 3 4

Have a Merry but safe holiday season. Encourage your insureds to get a freshly cut tree, choose decorations that are flame-retardant, non-combustible and non-conductive. To prevent risk of fire, use CSA certified light strings for indoor/outdoor and avoid excessive use of extension cords and power bars. All candles should be placed away from absolutely anything that could catch fire.

Christmas Day Boxing Day (ON)