Travel insurance isn’t all made the same – we often use the services offered cheaply or free, but do we really understand what we are getting and risking?
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 […]
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 […]
Here is a fantastic article about health spending accounts from the Canadian Government.
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 – […]
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 […]
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 […]
There are a number of dangerous professions out there in the world that can inflict serious injuries to those who are employed in them. These professions can do more than lay a person up for a few months. They can inflict permanent disabilities that can restrict a person for the rest of his or her […]
I recently attended the Ontario Young Broker’s Conference in Niagara Falls on June 4th to June 6th. It was a great mix of fun and work – we spoke about claims handling, the Ontario automobile insurance crisis, the issues with insuring your home to value (subjects for a future article), and the ongoing saga of […]
I want share a story that has affected me recently. When recommending coverage to people, the most common response I get is – i don’t need that. I am guilty of that as well. I just recently submitted my application for disability insurance – being self-employed, i am in serious trouble if I get hurt. […]