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	<title>Insurance Help Canada</title>
	<link>http://www.insurancehelp.ca</link>
	<description>Because trust is where it all begins</description>
	<lastBuildDate>Wed, 17 Feb 2010 15:30:31 +0000</lastBuildDate>
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		<title>Health Spending Accounts can help Canadians stretch their health-care dollars</title>
		<description><![CDATA[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!

Thu Feb 4, 3:08 PM
Malcolm Morrison, The Canadian Press
TORONTO &#8211; The health spending account may be one of [...]]]></description>
		<link>http://www.insurancehelp.ca/2010/02/17/health-spending-accounts-can-help-canadians-stretch-their-health-care-dollars/</link>
			</item>
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		<title>Professional Liability Insurance a.k.a Errors and Omission Insurance</title>
		<description><![CDATA[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 &#8211; [...]]]></description>
		<link>http://www.insurancehelp.ca/2010/01/25/professional-liability-insurance-aka-errors-and-omission-insurance/</link>
			</item>
	<item>
		<title>Parent&#8217;s Waivers &#8211; Not the protection you think</title>
		<description><![CDATA[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 [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/12/26/parents-waivers-not-the-protection-you-think/</link>
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		<title>Liability Limits &#8211; More examples why yours should be higher!</title>
		<description><![CDATA[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 [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/11/19/liability-limits-more-examples-why-yours-should-be-higher/</link>
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		<title>Working out and insuring yourself &#8211; hand in hand protection</title>
		<description><![CDATA[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 [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/10/05/working-out-and-insuring-yourself-hand-in-hand-protection/</link>
			</item>
	<item>
		<title>Workers Compensation and Permanent Disability</title>
		<description><![CDATA[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 [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/09/08/workers-compensation-and-permanent-disability/</link>
			</item>
	<item>
		<title>The problem with Bonding</title>
		<description><![CDATA[Bid Bonds, Performance Bonds, Labour and Material Bonds &#8211; These three guarantees have something in common: Time.
I often encounter contractors and manufacturers that ask me about bonding and how it works. They are often taken aback when they find out how long
it takes to set up the facility and how involved it really is. I [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/08/10/the-problem-with-bonding/</link>
			</item>
	<item>
		<title>How to Identify A Stroke</title>
		<description><![CDATA[Now doctors say a bystander can recognize a stroke by asking three simple questions:
S * Ask the individual to SMILE.
T * Ask the person to TALK and SPEAK A SIMPLE SENTENCE (Coherently) (i.e. It is sunny out today)
R * Ask him or her to RAISE BOTH ARMS.
If he or she has trouble with ANY ONE [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/07/07/how-to-identify-a-stroke/</link>
			</item>
	<item>
		<title>Bank vs Brokers &#8211; the ongoing battle</title>
		<description><![CDATA[I recently attended the Ontario Young Broker&#8217;s Conference in Niagara Falls on June 4th to June 6th. It was a great mix of fun and work &#8211; 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 [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/06/11/bank-vs-brokers-the-ongoing-battle/</link>
			</item>
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		<title>It will never happen to me&#8230;</title>
		<description><![CDATA[I want share a story that has affected me recently. When recommending coverage to people, the most common response I get is &#8211; i don&#8217;t need that. I am guilty of that as well. I just recently submitted my application for disability insurance &#8211; being self-employed, i am in serious trouble if I get hurt. [...]]]></description>
		<link>http://www.insurancehelp.ca/2009/05/20/it-will-never-happen-to-me/</link>
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