Insurance Help Canadait has been a while since I have written a blog posting. I have discovered that life is extremely difficult when recovering from a car accident. In my last post, i wrote that my jeep was written off. Its July 21 and I am finally replacing it!! It has been a interesting journey back in time as I drove different cars some with a/c and others without!!
I received the call today telling me that the insurer wasn’t going to fix my jeep. I am devastated. I loved my truck. Now i am being given a dollar value to the vehicle that i have already built so many memories with. Yes I know it is just a truck, but it was my truck with all its quirks.
I am shaken up. I am tired. I feel emotionally distant – as if my emotions burned out. I am in more pain now as my muscles start to stiffen up. I used to work out 4 to 5 days a week, now I have to relax and rest. I led an active lifestyle, now i have to relax. I am fit and now I am in pain. I cannot pick up my kids, i have to go down to the ground to hug them. I am sad. i am frustrated. I have to move forward yet i find that it is overwhelming.
Saturday Night a driver decided to drive carelessly. He decided to speed. I believe he also decided to drink but i cannot verify this. On that same night, i decided to head into my office to work on my accounting for my 2009 taxes. I decided to leave at a certain time and I decided to take certain roads.
All these choices and life paths joined together in a life alterning moment. The guy speeding down the road drove right through a red light and into my Jeep. Continue reading »
If you are a growing company or an established company, at some point in your business cycle you will likely have to deal with employee relations. As part of your risk management strategy, you should consider including an employee manual outlining responsibilities and duties of the management and of the employee. When managing your employee risk, we often don’t consider things like wrongful dismissal and discrimination because we think the person is part of the team and understands the company and the people. Your commercial general liability insurance policy doesn’t cover claims of this nature – rather you need Employment Practices Liability. Take a look at a few scenarios when this type of policy comes into play…
Here is a fantastic article about health spending accounts from the Canadian Associated Press. As part of your risk management portfolio, a health spending account allows for tax savings as well as keeping you and your family healthy!
I often get inquiries about professional liability from companies and individuals who find themselves in the situation where they have never had the coverage before and are now required to have it due to contract requirements. They often do not seen the need for the coverage since a claim has never happened to them – believe me, i understand this completely! The simple fact of the matter is different. We live in a litigious world and as professionals we are often held to a higher standard for our specialized knowledge and thus the need for errors and omissions insurance liability coverage.
How many times to we sign waivers on behalf of our children? Waivers for road trips, waivers to participate in sports, waivers to attend the theatre. In a recent publication from Elliot Special Risk, there was an article and a new precedent that has been established in Canadian courts that will directly affect business owners like you and your business insurance policy…
Many people I find are always requesting the absolute minimum liability limit for their professional liability, business insurance, commercial auto insurance or personal home insurance and auto insurance policies. I find it a challenge to express to people that they need higher and higher levels of liability. Many businesses will increase their liability limit simply due to contract requirements such as a lease agreement. I try to use examples to demonstrate that liability limits are often not enough and to show that settlements are getting bigger and bigger in Canada and any amount over your liability limit is yours!
Maintaining a healthy lifestyle not only helps you live better but it also helps you qualify for cheaper insurance rates for life and critical illness. I recieved an email blast with some tips for working out in spite of a busy schedule:
Work out at work:
Did you know that more than 15 million Canadians spend half of their waking hours at work and a full 51% participate in no physical activities in their leisure time?
Hi Claudio,
I just wanted to express my appreciation for your time to meet with me last night to discuss critical illness insurance. Thank you being patient with me and spending the time to explain and discuss the different insurance products you offer. I wanted to let you know that you are very knowledgeable and were able to answer all of my questions. It’s great to do business with a professional like yourself!
JCM – Unionville