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Watercraft Insurance

Watercraft Insurance

As winter draws to a close and we put our skis and snowmobiles away for another season, our thoughts turn to summer fun and in between, we use spring to start making plans for the beach or the cottage and fun in the water.  Boat shows abound for those looking to buy their first watercraft or upgrade.  Ads start to appear online or in the paper for used watercraft being offered for sale.  Craft that have been stored for the winter are being readied for their return to the water.  Anglers, sailors, water skiers and swimmers are looking forward to getting back to the water. Whether you are new to watercraft or a seasoned sailor, one of the most important things to remember is insurance for you and your vessel.  Why, you may ask?  No matter how much experience or…read more →

International Marketplace Insights | February 2020 Edition

International Marketplace Insights | February 2020 Edition

International Marketplace Insights | February 2020 Edition Events, developments, and opportunities in the international marketplace. We occupy a unique position in the international risk management and employee benefits marketplace, and have the ability and resources to help you globally. We provide our clients exclusive access to a dedicated, in-sourced international department, effectively on their payroll and fully integrated within their operations, acting as an extension of their team. Our network provides access to more experience, technical resources, and innovative industry expertise. We are able to provide direct local involvement worldwide and strengthen insurer relations, providing regional knowledge and expertise as well as regulatory compliance. Please contact us at 1-800-661-1518 if you have any questions or concerns regarding international insurance. Recent Successes: Placed a Property & General Liability Package policy for a 24,000 sq. foot poly-carbonate greenhouse risk in South Korea. Bound local policies for Property…read more →

Live Well, Work Well – February 2020

Live Well, Work Well – February 2020

February Is National Heart Awareness Month Heart disease is the second-leading cause of death in Canada, with 1 in 12 Canadians ages 20 and older living with diagnosed heart disease. Despite its prevalence, many people still don’t fully understand what heart disease is, how to identify the signs or how to reduce their risk. To increase awareness of heart disease and how to prevent it, the Canadian government recognizes February as Heart Month. Definition of Heart Disease Heart disease can refer to any condition from which the heart does not work properly. This can include heart defects that are present from birth, as well as those that develop later on by biological or lifestyle risk factors. Heart disease can lead to a heart attack, heart failure and death. There are many different types of heart disease, including: Coronary artery disease—Arteries…read more →

Live Well, Work Well – January 2020

Live Well, Work Well – January 2020

Don’t Fall Into This New Year’s Resolution Trap One of the most common New Year’s resolutions is to lose weight. Unfortunately, many people look to fad diets and weight loss products in hopes of achieving their goals quickly. While fad diets may prove effective initially, research shows that many people don’t find long-term success with these types of diets. Lasting Lifestyle Changes vs. Quick Fixes Instead of setting a goal to lose weight quickly in the new year, it can be more effective to set goals that lead to a healthier lifestyle overall. Common lifestyle New Year’s resolutions include: Exercise regularly—Aim to get at least 150 minutes of moderate aerobic activity or 75 minutes of vigorous aerobic activity a week, and to do strength-training exercises of major muscle groups at least twice a week. Maintain a well-balanced, healthy diet—Try to…read more →

The “Hard” Versus “Soft” Insurance Market

The “Hard” Versus “Soft” Insurance Market

The insurance market is cyclical.  During a “soft” market, there’s lots of competition between companies as they try to expand their market share.  Premiums hold steady or decrease.  It’s fairly easy to get coverage for all kinds of risks.  As someone looking to buy insurance, you may have a number of options from which to choose and underwriting rules are less stringent. A “hard” market happens as positive financial results, become more difficult for insurers.  Payouts may have increased over a long period of time.  Challenging regulatory changes that negatively impact results occur and profits have declined.  As a result, insurance companies are less inclined to take on new business.  The requirements to get insurance are stricter and premiums are more expensive.  There may be attrition in the insurance market as fewer players offer coverage to consumers.  Capacity becomes scarcer….read more →

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