Commercial Insurance
Do you have a vacant commercial property?
As we navigate the unprecedented circumstances of the COVID-19 pandemic, keeping you informed is now more important than ever. We acknowledge the impact this crisis has had – and continues to have – and want to reassure you that we are here for you. As you are certainly aware, efforts to contain the outbreak of COVID-19 has resulted in various [...]
What is the liability risk of a simple tire swap?
Another liability insurance article? Yes, this is an important read about a basic tire swap. It is important to consider what it may be like for you and your business when you don’t have proper liability limits on your insurance. THIS STORY BEGINS LIKE EVERY OTHER ROUTINE TIRE AND BRAKE INSPECTION… Garage takes possession of a customer’s car and brings [...]
What is phishing and how does it work?
Imagine your personal information as the fish and the scammer, the fisherman out to catch the fish of the day. The fisherman has many fishing rods on his boat and is constantly casting them, waiting for someone to bite. Phishing is a method scammers and hackers utilize to lure people into giving up their sensitive and personal information, including passwords, credit [...]
Penalty for Hand-Held Devices Shifting for Commercial Vehicle Drivers
Hand-held device tickets shifting from minor to major when rating premium for a commercial vehicle Up until now, hand-held device tickets for commercial vehicle operators have been considered minor tickets when rating insurance policies. We have received updates from many of our commercial insurance carriers filing with the Financial Services Commissioner of Ontario (FSCO) to have hand-held convictions adjusted and [...]
Risk Exposures for Retail Operations
For many, operating a retail storefront is an exciting and rewarding experience. For some, opening a retail store is a dream; for others, it is a prudent business opportunity, while others open with a combination of the two. While it is easy to focus efforts on managing the store's day-to-day operations, many business owners are not present to important exposures [...]
Hosting a Fun and Safe Holiday Work Party
Work holiday parties are a time for co-workers to laugh, mingle, and connect. As the party host, we have to share tips to keep everyone in the season's spirit! The holiday season is filled with events full of good cheer, connection, and fun. And while these events have every right to be focused on maximizing the enjoyment for staff, they [...]
The Digital Privacy Act changes data breach reporting requirements
Is your business prepared for Canada's digital privacy data breach notification rules? What does the cyber risk landscape look like today? We have seen an increase in the number of malicious cyber attacks across the globe, both in severity and size. These cyber events are impacting companies and customers alike. Small and medium-sized businesses are the most common victims of [...]
The Cost of a Data Breach for a Trucking Operation is More Than You Think
The cost of a data breach is going up with Digital Privacy Act amendments The Digital Privacy Act amendments that alter PIPEDA (Personal Information Protection and Electronic Documents Act) came into effect November 1st, 2018. The amendment makes it mandatory for any company that experiences a data breach to report it to the Privacy Commissioner of Canada and any potentially impacted clients, employees and [...]
Cyber Threats: an article by Linda Colgan
Almost daily, it is possible to read something on hackers penetrating personal and commercial businesses to gain access to information that benefits the avails of crime. No one is above being vulnerable. It’s not only bank accounts or credit cards these criminals want; its identity as well. The evidence is clear cyber threats are here, and it’s not only through [...]
5 Benefits of D&O Insurance for Non-Profits
Non-profit organizations are vital to creating community. They often provide essential social services that benefit local communities. These organizations often rely on the leadership and direction of their board of directors. And the directors are often leaned on to make important decisions that shape the future of non-profit organizations. However, with each decision directors and officers make on behalf of [...]