Bryson Blog

Loan Your Car, Loan Your Insurance

If I loan my car to a friend and they get into an accident does it affect my insurance?

"When you loan your car, you loan your insurance." What do we mean by this? Matthew Leyland, Bryson's Director of Personal Insurance, shares liability concerns car owners need to consider before letting other people drive their vehicle.

If you still decide to loan your vehicle to someone, please confirm they have a valid driver's license in place and that they have active car insurance. 

If I lend my car to a friend and they get in an accident, who pays_ (1)

*You may be wondering if this changes when using a designated driving service to get your car home safely at the end of the evening. Unfortunately, like this Toronto woman found out post-accident, you are also loaning your insurance to the driver in a scenario like this too.*

Do you have a specific scenario you would like to run by our team? Connect with us at connect@brysoninsurance.ca or give us a call at 1-800-661-5196.

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For us, we see our purpose as your insurance broker as much more than ensuring you have the lowest price on your personal insurance (though we routinely save individuals and families a significant amount on their personal insurance). We believe in knowledge and in sharing that knowledge.

If you value authentic advice, a sense of partnership and personalized interactions, then it is time to see if the Bryson Experience is right for you.

 Connect with a Bryson team member today

In Brief: What Employers Need to Know about Legal Cannabis

What does legalized cannabis mean for Ontario employers? We asked Carole McAfee, partner with Toronto law firm Fernandes Hearn LLP, to share insight on employee practices risk management concerns employers should be considering.

Legal Cannabis in Canada- What employers and employees need to know

Carole also joined back in June, before Canada legalized cannabis, to review current legislation, probable outcomes and provide best practices for employers in Ontario. You can view the Cannabis in the Workplace webinar here.


~ Transcript ~

My name is Carole McAfee Wallace and I am a Transportation Lawyer in Toronto. 

Now that cannabis has been legalized my clients are contacting me to ask:

What are employee rights in the workplace and what employers dutie and obligations are?

First and foremost, if you don't already have a fit-for-duty policy or you haven't reviewed and updated your fit-for-duty policy, you should do that to ensure that everyone understands that, not withstanding it is now legal, recreational cannabis is not permitted in the workplace. Employees must come to work fit-to-perform free from impairment. So, that is the first thing.

The other thing that employers need to be mindful of is the human rights implications that we are reminded of now that cannabis is legalized. That is if an employee has a substance abuse issue or an addiction that it is a disability that is protected by the Ontario Human Rights Code, or the Canadian Human Rights Act if you are federally regulated. An employer must accommodate to the point of undo hardship.

Second, medical marijuana has been legal for a number of years In Canada. This also leads to employers duty to accommodate the employee to the point of undo hardship.

Bottom line, there is no duty to accommodate the use of recreational cannabis in the workplace.

Thank you.

Additional questions? Email Carole McAfee here.

Planet Money explores "The Price of a Hack"

What is the price of a hack? It is an important question that Dina Temple-Raston and Karen NPR's Planet Money The Price of a HackDuffin, hosts of NPR’s Planet Money, seek to find out. Though the discussion is focused around a hack with a US-based company, the situation is the same for Canadian businesses as well. 

Hackers are an expensive headache for companies. But there might be a simple economic fix. ~ NPR

A big shift in how Canadian organizations manage data breaches occurred at the tail end of 2018. As of November 1st, 2018 Canadian businesses are mandated to publicly report data breaches to the Privacy Commissioner and to any potentially impacted person or company. The report from Planet Money provides a good look into what it may be like for you if your company experienced a data breach. 

The story of the podcast revolves around Mavis, a supervisor in a financial services organization. One day Mavis comes into work, opens her inbox and sees an email from someone she knows. But the email content seems a little fishy. She emails back and asks the person if it is a legitimate email. Mavis received a response confirming that the email was legitimate and Mavis made the decision to click the link… and that is where everything turned. Mavis looking at her computer realizing she just had a cyber hack

A few days later Mavis opened her sent folder to see hundreds of sent emails that she did not send! And in that moment Mavis realized her computer was hacked. As a supervisor, Mavis had access to social security numbers, banking information, bank statements, and even documents with wiring instructions attached. For a hacker it was like finding a gold mine.

Mavis instantly felt panicked and ashamed for being the cause of her company having to spend so much money and time for her mistake.

CYBER RISK TIP: Create an environment where staff feel comfortable sharing with their Manager or IT Department when they think they MAY have clicked a bad link or made some other cyber error.

Cyber hack displayed by a open lock on a laptop symbolizing a data breachNext, Mavis’ boss, Wendy, received a call. It was a large client calling who asked Wendy “Did you get hacked?” Wendy shook inside… imagine getting THAT call from a client with whom you have spent years building trust with.

What would you do next?

Find out how Wendy confidently sprang into action with her secret weapon… Cyber Insurance.

Start a Cyber Insurance Conversation