SAUBLE BEACH, ONT. Mat Dwyer says his dream business has been dealt a death blow. “We have less than 100 days of cash left because this significant increase in our insurance costs, doesn’t let us get to the spring,” he says. Dwyer and his wife bought the Red Bay Lodge, north of Sauble Beach over a year ago. They spent much of their time fixing it up before recently opening, only to have their business impacted greatly by COVID-19. If that wasn’t bad enough, they got a letter from their insurance company about 2021 renewal rates, that would be rising from $16,000 per year to a whopping $57,000 per year.