COMMERCIAL INSURANCE

Business Interruption Insurance – Exactly what you need to know

In an unlikely event of damage to property, your business could  suffer thousands in losses as operations may come to a temporary halt until...

Why Do Hackers Target Smaller Businesses?

The internet and other digital technologies have revolutionized the way we do business. This much we know. But they have also opened the door...

Errors and Omissions Insurance (E&O)

E&O is the insurance of choice if you need to cover yourself against professional mistakes. This includes things like your software crashing, giving poor...

What does small business commercial liability insurance cover?

If insurance was a birthday party, the Commercial General Liability (CGL) policy would be the cake. That is, it is the most basic type...

Directors & Officers Insurance (D&O)

Proper leadership is always going to be crucial for the upbringing of an organization, regardless of its size. For any organization, getting the right...

4 steps to reducing your cybersecurity risk

A good insurance provider will give you a competitive insurance quote. A great insurance provider will do that, while also helping to reduce your...

CONSTRUCTION CONTRACTORS INSURANCE

5-point checklist to hiring a contractor

A home remodelling job can be very stressful. Not only do you have to decide exactly what you want, but you have to hire...

Risk management while working with subcontractors

A construction contractor typically hires subcontractors for various projects. Subcontractors may be considered a resource for your business as they help you achieve your...

Does my contractor’s insurance cover me in case his/her work is...

If you are doing any meaningful renovation at home, you will likely seek professional help for the major tasks. For instance, an electrician for...

A construction contractor burned down my home: will my home insurance...

Lets say you hired a construction contractor (specifically a handyman) to install a chandelier in your living room. Over the weekend, the wiring on...

Why do I need contractors insurance?

>Given the nature of the construction industry, the need to protect your business with contractors insurance cannot be overestimated. The risk for both property...

5 risks that can hinder the progress of your construction contractor...

If you have been in the construction industry or are a new entrant, you should be aware of the following risks directly affecting your...

CYBERSECURITY INSURANCE

Cyber liability insurance

Businesses that handle sensitive customer information (e.g., credit card information, personal details), a data breach could result in both financial and reputational damage. Cyber...

Seven commonly overlooked cybersecurity insurance coverages

It is quite common to purchase a package policy that covers a variety of scenarios. Often cybersecurity is added as an endorsement onto another...

Overview of Cybersecurity Insurance

Although hacking and cyber threats have been present for quite some time, cybersecurity insurance is a relatively nascent field. Although cybersecurity insurance policies from...

7 steps to getting a cybersecurity insurance quote

Buying cybersecurity insurance can be a daunting task. A typical insurance policy is over 50 pages, and filled with complicated jargon. However, buying insurance...

Five critical elements to check in your cybersecurity insurance policy

Insurance policies are complicated and long. A typical policy might be 60 pages of complex jargon that even the most experience insurance brokers will...

True cost of a cyber security breach

There are many studies showing the average cost of a cyber security breach. A recent article by The Globe and Mail stated that the...

PERSONAL INSURANCE

The New Canadian Century

For anyone that follows global political affairs, Fareed Zakaria of CNN is a household name. His weekly show, Global Public Square (GPS), is a...

Fitness professionals: How To Fill Slow Periods in Your Business Calendar

With holidays and family get-togethers, it’s hard to keep clients using your services year round. Sometimes things get busy and clients fall off. Whether...

Tenant insurance: replacement cost or actual cash value

Tenants insurance is a means to protect and provide coverage for the items in your home.  If personal belongings are damaged, destroyed or stolen either in...

Energy efficiency tips for home owners

Small changes in your energy consumption pattern can lead to profound improvement in your energy efficiency, and thus cost savings. Although you could invest...

5 tips to enhance your tenant insurance policy

It may be easy to go for an off-the-shelf tenant insurance policy. However, taking the time to customize a policy based on your needs can...

5 tips to making moving homes easier

The excitement of moving into a new home can be overwhelmed by the packing and moving process. A lot needs to be done before...

SMALL BUSINESS INSURANCE

Why lawyers must have cybersecurity insurance

Cybersecurity is amongst the fastest growing segments of the insurance industry. Many industries are realizing that their data is one of their most valuable,...

Learnings from the first $1.5M in CASL fines levied

Canada's anti-spam rules (CASL) are amongst the most stringent in the world. Since it came into force on July 1, 2014, $1.5M in fines have...

Top sources for small business loans in Canada

All small businesses need some source of funds in order to survive. The funds could from the owners, from operations or from external debt...

Why accountants must have cybersecurity insurance

Cybersecurity is amongst the fastest growing segments of the insurance industry. Many industries are realizing that their data is one of their most valuable,...

Keeping your business safe as you enter the digital world

The ever-lasting debate around “brick-and-mortar VERSUS digital” is becoming a conversation about “brick-and-mortar PLUS digital”. Businesses should not be choosing one or the other,...

The Robots are Coming: How AI Will Completely Transform the Insurance...

For decades, the insurance industry remained convinced that disruptive technology couldn’t touch it. Yes, a few startups would arrive to automate tedious administrative tasks,...