Bryson Blog

How does the Digital Privacy Act change data breach reporting requirements?

Is your business prepared for Canada's data breach notification rules?

videoplayback (1)

What does the cyber risk landscape look like today?

Across the globe, both in severity and size, we have seen an increase in the number of malicious cyber attacks. These cyber events are impacting companies and customers alike. Small and medium-sized businesses are the most common victims of cyber breaches. This is likely the result of the time and resources small and medium-sized businesses can spend on cyber security. Saying this, even companies with the most robust security measures - like Yahoo, Target, Apple, and eBay - are not immune from the threat of a data breach.

Recent Canadian data breaches include companies like McDonald's, Nissan Canada Finance, Uber,, Bell Canada, and Canadian Tire.

Imagine this - in 2016 over 1.6 billion records (a record is equal to one person's personal data) were lost or stolen worldwide. North America accounted for over 80% of those lost files. While some people's information has been taken more than once, that is 1.28 billion records stolen in a population of under 600 million people!

Why do we not hear of more breaches of small and medium-sized businesses in Canada?

Up to November 1st 2018, companies in Canada have not had to report a breach. So many have chosen not to with hopes that their clients or suppliers do not discover that personal digital information has been stolen.

And now that the November 1st date has passed there is concern by organizations like the Canadian Federation of Independent Businesses (CFIB) that businesses are not aware and not prepared.

What is PIPEDA?

PIPEDA establishes rules for how businesses handle personal information in commercial settings. Under PIPEDA, individuals must give consent for their personal information to be collected by businesses. The law requires businesses to limit the information they collect and put appropriate data security safeguards in place.

How does the Digital Privacy Act (DPA) change PIPEDA?

Simply put, the DPA amends PIPEDA and creates three new requirements that force businesses to rethink their data security practices. The DPA requires organizations to maintain records of all data breaches, report most data breaches to the Commissioner and disclose harmful data breaches to affected individuals.

To get a more complete perspective on what these new rules mean to your business, download our whitepaper: Your Guide to the Digital Privacy Act. This includes information on what is changing, reporting requirements, what constitutes 'harm', what the role of the federal commissioner is, data-breach record-keeping requirements, methods to prepare and more. 

Is it time for a Cyber Insurance quote?

That is really up for you to decide. We believe in informed decisions. The cost of a data breach can be significant. There is much more to consider than the cost of notifying everyone required and the cost to getting data back (if possible).

Three simple questions to consider include:

  • How to best handle the public relations component to minimize damage to trust?
  • What if a cyber breach shuts down our operations by shutting down our IT infrastructure?
  • What if we lose pertinent information to doing business and are unable to recover it?

We really believe it is in your company's best interest to simply find out how much it would cost to give yourself the peace of mind you deserve. Your focus and resources are best used on managing and growing your business, not on trying to save face with clients, suppliers and staff after a data breach.

Connect with a Bryson team member today


What is Employee Practices Liability Insurance? - Webinar

Protecting Your Business from Employee Practice Exposures

Most employers never imagine the moment will happen when they are served a lawsuit for employee practices.

The landscape of employment law continues to evolve. With every court decision or piece of new legislation, employers learn more about how workplace discrimination, employee rights and similar issues can affect their company. To protect your organization, it is important to take proactive measures to stay up-to-date on HR requirements and best practices.

Corette Miller, President of newinitiatives HR, and Guida Leyland, Bryson's Director of Commercial Insurance join in this webinar to share proactive steps employers can take to mitigate employee practice risk. We also delve into an insurance policy 6 out of every 10 employers believe they have coverage for but do not... Employee Practice Liability Insurance.

We cover numerous case studies during the webinar that focus on the primary types of employee practice lawsuits employers face and provide steps the employer could have taken to reduce or eliminate the exposure.

Employee Practices Liability Risk Management

What are the most common types of employee practice lawsuits?

Employee Practice Insurance most common lawsuitsThere are three main primary claim categories our Employee Practice Liability Insurance carriers see.

The largest claim type by far is wrongful dismissal, followed by discrimination, and then harassment and humiliation.

Our insurers are reporting that they are seeing an increase in cost and severity of these claims as well.

What can my organization do to protect ourselves from employee liability exposure?

We delve into detail in the webinar but, from a high level perspective, a couple of the proactive measures employers can take right now include:

  • Document, Document, Document: record and keep record of individual staff conversation as much as possible;
  • Send new employees the workplace policies manual and have them acknowledge reading and agreeing to it before their first day;
  • Post legal requirements! If certain documents are not posted and visible for employees and you have an inspection, it is an instant fine

What is Employee Practices Liability Insurance?

Also known as HR Malpractice Insurance, Employee Practice Liability Insurance (EPLI) is comprehensive protection against errors and omissions in the management and administration of human resources.

How does Employee Practices Liability Insurance work?

The majority of EPLI policies will cover the legal fees associated with defending the claim as well as any damaged stemming from the manner in which an employee was dismissed.

What happens when I file an employee practices liability insurance claim?

As a business, you are assigned a claims analysis that will walk you through the process and start to build the team to help resolve the claim. A key member of this team will be a lawyer specializing in employment law. From there you will be asked to provide information relating to the claim. The claims adjuster and employment lawyer will then take lead allowing the business to focus on their business and not on the claim.

How do I get started with an employee practices liability quote?

The application is simple and can act as a type of audit to the HR practices your company has in place today. Simply reach out to your Bryson Insurance dedicated team member and start the process today.

Connect with a Bryson team member today


2018 Bryson Insurance Pumpkin Giveaway Recap

The forecast said rain and smiles. There wasn’t a drop of rain but there sure were many smiles! 

While we do not have the final tally of all the monies collected, we know there are many who are sitting on the edge of their seats wondering if THEY won the big prize (whatever the big prize is for you). The raffle draw video is at the bottom of the event recap. 

It was a picture-perfect day for Bryson Insurance and its 11th Annual Community Pumpkin Give-away. 

Whether it was to drop off food to the Feed the Need truck, try their luck at one of several terrific prizes at the raffle table, buy a tasty treat from the bake table or take a five-minute break while their children’s faces were transformed at the face-painting station, people came by the dozens on Saturday to support the always popular event and, more so, Grandview Kids.

And, of course, everyone went home with one or two of the over 700 pumpkins in tow – a thank you from Bryson for supporting Grandview Kids and the wonderful work it does, along with helping to stock the shelves at Feed the Need Durham.

It was a day hard to top but plans are already in the works for Pumpkin Day 2019!!

Thank you to our many partners who contribute in a big way to the continued success of our community event. 

Platinum Partners

Northbridge Insurance

Sovereign General Insurance

Old Republic

Gold Partners

True North Incentive

First Insurance Funding

Silver Partners

Intact Insurance

Pembridge Insurance


Travelers Insurance

RSA Insurance

Walker Head Lawyers

And the moment you have all been waiting for. Here are your RAFFLE WINNERS! Take a moment with your children to watch the video together. It adds layers of fun going through the draw live with tickets in hand.


If you are one of our lucky winners send an email to or give us a ring at 905-426-8787.

Thank you to everyone. We would love to have a conversation with you about your insurance needs as well. Please take the time to reach out to our team to start the conversation.

Connect with a Bryson team member today

How will legalized cannabis impact my home and auto insurance?

Legal Cannabis and Your Home and Auto Insurance (1)

The legalization of recreational cannabis on October 17, 2018 will allow individuals of legal age to buy, consume, possess and grow cannabis across Canada. In Ontario, like most other provinces, the legal limit will include the purchase and possession of up to 30 grams of dried recreational cannabis. Beyond this, people will be able to grow up to 4 cannabis plants per household. To get the facts on cannabis in Canada check out the federal government's site here.

How will legalized cannabis impact my insurance?

Each insurance company is approaching the legalization of Cannabis differently. Many are updating their policy wordings to reflect the changes but what each company is putting into their policy differs. Here are some of the major areas insurance carriers are focused on:

How does legal cannabis impact my home insurance?

Because you will be able to grow and store cannabis plants at home, some insurers are altering their policy wordings and are adding a special limit of insurance that will pay up to a certain amount for any cannabis-related loss. If the insurer is updating their wording, it is mostly likely automatic, so it will be important to check your updated policy wordings. If your insurance company is updating their wordings it will most likely also reflect the legal limits outlined in the legislation, specifically growing up to a maximum of 4 plants per household. Alternatively, some companies are currently waiting to see if any changes to the policy wording is necessary. It may be that their current wording is adequate to cover cannabis-related losses up to stated maximums in the policy already.

How does legal cannabis impact my car insurance?

The Federal legalization of cannabis also included the introduction of three new impaired driving conditions. These outline the maximum blood-drug concentration levels a person can have while driving. These drug-impaired convictions will be rated and treated in the same manner as we do today for alcohol-related impaired convictions.

As the legislation comes into effect, we will keep you updated on any information that may impact you or your insurance concerns. We do not anticipate any major changes to your insurance experience as a result of this legislation.

If you have any questions about the information above, please contact our team at Bryson Insurance.

Connect with a Bryson team member today

*For business owners you may be interested in how legal cannabis will impact your business check out our webinar on The Impact of Cannabis on Your Workplace.

Are You Getting Your Winter Tire Insurance Discount?

For us living in Ontario and Canada the fall is also the kickoff to winter tire season. For those who have had the opportunity to compare winter driving with all-season tires versus winter tires you know the added security and grip provided by winter tires. Not only do winter tires keep you and your family safer but having them installed on your vehicle throughout the winter also saves you money on your auto insurance.

Ontario Insurance Discount for Winter Tires-1

Below are common questions about winter tires and the discount Ontario drivers receive for having winter tires installed on their vehicle.

To get the winter tire discount on my insurance, how long do I need to keep the winter tires on my vehicle?

To get the winter tire discount on your insurance premium, winter tires need to be installed on your vehicle throughout the winter. Some insurance companies require the tires to be on your vehicle starting November 1st while others do not require the tires to be installed until December 1st. In general, it is recommended to keep the tires installed until April 30th.

How many winter tires do I need installed on my vehicle to get the winter tire discount on my insurance premium?

You are required to have all four tires on your vehicle rated for winter driving conditions.

How do winter tires work in winter weather?

Winter tire technology is unique from all other tires. Winter tires have a soft rubber compound that remains flexible in cold weather. This allows the tire to conform to the road for more controlled handling during cold days. Winter tires also sport wider grooves to enhance traction on snow and ice and have deep sipes (small slits in the tread) that help cut through slush and water. The result of these features means winter tires deliver as much as 25 to 50% greater traction over all-season tires.

How do we know if it is a winter tire?

The severe service winter tire designation looks like a peaked mountain with a snowflake in the middle. 

Winter Tire in Ontario with the Winter Tire Symbol for Insurance Discount

When you see a tire with the mountain snowflake pictograph on the sidewall, you know it meets specific snow traction performance requirements set by the Rubber Association of Canada.


Do all-season tires qualify for the winter tire insurance discount?

Well, all-season tires are worlds better than summer tires for winter driving. They do not replace the grip and reliability of winter tires. Some insurance carriers may recognize a discount for having all-season tires installed during the winter months but that is rare. As well, during our harsher winter driving weather, all-season tires are simply not as safe for yourself or others on the road.

Do I have to notify my insurance broker again this year to get the winter tire discount?

If you notified your insurance broker last year, then the winter tire discount will automatically be applied again this year.

What if I just say I have winter tires on but do not actually have them installed?  Will I still get the discount?

The winter tire discount is based on an honour system. When you tell your insurance broker that you have winter tires installed on your vehicle, it acts as a legal confirmation of your action. It is also a sign to your broker and your insurance carrier that you are taking actions to be safer on the roads in the winter. If you do have an accident and are caught lying about having winter tires on your vehicle, your insurance carrier can refuse your claim. It is much better to be honest and safe on the roads than to risk everything to save a few dollars.

As always, we are here to serve your needs. If you have questions, please do not hesitate to reach out to your Bryson Insurance broker.

Connect with a Bryson team member today


How Kids Learn - Webinar

How Kids Learn Webinar with Rory Sheehan

Understanding How Our Children Learn Can Alter How Learning Occurs (it can make learning fun!)

Rory Sheehan of Positive Strategies joined us to share about the deeper influences that impact our learning and development. In the discussion, Rory challenges the fixed way-of-being widely shared by many that learning disabilities are real and instead has us consider what if the teaching style is not aligned with the way the child learns?

From limiting beliefs, to the language we use, to the learning environment we create for learning, Rory takes us through a journey that reveals things we do that unintentionally impacts how our children learn and how that impact carries on into adult life! Throughout, Rory provides a series of positive strategies that bring awareness to these areas and allow us to choose how we want to proceed into the future.

Rory also shares how the words someone uses in conversation can reveal their primary learning style - visual, auditory, or kinesthetic. And once we understand the primary learning style we can completely change how information is delivered!

Let us know your thoughts on the webinar in the comments below.

Wondering how these concepts may benefit you as an adult as well? Check out Rory's previous webinar with us on Creating a Success Mindset.

Connect with a Bryson team member today

We are often asked, why do we put on these types of non-insurance related webinars? It is simple - we care. Creating a future where children are empowered to learn and find it FUN means a lot to us... as does providing our clients an unbelievable experience with their insurance. If you know someone who you would like to introduce to our team for their insurance needs please visit

Happy learning!