Becoming a licensed driver is an exciting rite of passage. It’s important to remember, however, that with the anticipation of getting behind the wheel comes the responsibility of safely operating a vehicle and protecting yourself against possible driving risks. Whether you are the parent of a fledgling young driver or a new driver yourself, keep…
As with many industries, the insurance industry goes through cycles where it shifts between what are known as “hard” and “soft” markets. As an insurance consumer, it is helpful to understand these cycles and how they affect your insurance rates as well as your purchasing options. To better understand the industry cycles, let’s start by…
In 2016-17, nearly 654,000 — or about one-third — of the more than 2 million injury-related emergency department visits were due to accidental falls. In the same time frame, injuries from falls led to about 152,500 hospital admissions. Almost 8,800 of fall-related injuries across Canada occurred as a result of people slipping on ice. With…
Course of Construction Insurance Residential and commercial contractors all need construction contractor insurance. This is not a negotiable requirement. It will often spell the difference between getting and losing a contract. Any party who contracts services to others needs contractor insurance. This is required when contracting services to the government on the federal, state or…
Whether you’re opening a new brewery or have been in business for a few years, you are going to want to have appropriate insurance in place. The best way to do this is to consult with a broker familiar with the industry.
Technology, social media and transactions over the Internet play key roles in how most organizations conduct business and reach out to prospective customers today. Those vehicles also serve as gateways to cyberattacks. Whether launched by run-of-the-mill hackers, criminals, insiders or even nation states, cyberattacks are likely to occur and can cause moderate to severe losses for organizations…
Residential landlords in Ontario face a lot of challenges. Whether it’s professional tenants manipulating the system to avoid paying rent or the government 2014 guideline allowing you to raise the rent only 0.8%, the challenges are real and daunting.