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International Insurance Newsletter | December 2018 Edition

International Insurance Newsletter | December 2018 Edition

International Insurance Newsletter | December Edition Recent Successes: Bound Property and Liability policies as part of Controlled Master Programs for a high-end clothing retail store with multiple outlets in Korea. Placed a full suite of local coverages for an agribusiness fish farming operation in Jamaica. Bound local Property policies in Macedonia and Mexico as part of a Controlled Master Program for a multinational specializing in inflator technology for automotive airbag applications. Somaliland An Islamic insurer has been established in Hargeisa, the capital of Somaliland, backed by some of the largest players in Africa’s insurance industry. The new company, called Horn of Africa Insurance, offers automobile, property, medical and marine insurance along Shariah rules. The insurer will operate in a region where most vehicles are uninsured, and most cargo coming into the country is uninsured. Nevertheless, a compelling need for insurance…read more →

This Holiday Season Reduce Your Exposures During Work Events

This Holiday Season Reduce Your Exposures During Work Events

Businesses host parties for a variety of reasons, including the holidays and organizational accomplishments. While these events are fun, team-building opportunities, they can create a number of risks for the hosting company. In fact, in the event that an employee is injured at the party or causes property damage, the employer is usually the one held responsible. This can lead to costly litigation and reputational harm that can affect a company for years. To avoid major losses, it’s not only important for employers to secure the right insurance coverage for every individual risk, but to also have a thorough understanding of common holiday party exposures. Alcohol Anytime you provide alcohol to individuals in a non-commercial manner, you are considered a social host. This is important to note, as a social host may be responsible for the acts of their guests…read more →

Personal Insurance Newsletter | November 2018

Personal Insurance Newsletter | November 2018

Save on your car insurance this winter It’s no secret that getting from point A to point B in the middle of a Canadian blizzard can be tough. Thankfully, there’s one simple step you can take towards a smoother, safer — and even cheaper — winter drive: installing a set of quality winter tires. All Ontario car insurance companies are required to offer a winter tire discount – usually about five per cent. Why use winter tires? As the temperature drops, all-season and summer tires can stiffen and start losing their elasticity, which can lead to decreased traction and poor performance. The rubber used in winter tires, on the other hand, is designed to stay flexible even in extremely chilly weather, so you’ll get a better grip on that slippery side street. Are winter tires good for driving on ice…read more →

Live Well, Work Well – November 2018 Edition

Live Well, Work Well – November 2018 Edition

In this edition of the Live Well, Work Well newsletter, you’ll learn about chronic sleep disorders and mindfulness. In addition, you’ll read about Lung Cancer Awareness Month. Chronic Sleep Disorders Sleep is essential for normal, healthy function. However, about 40 per cent of Canadians suffer from chronic sleep disorders. Sleep disorders can result from a number of causes, including stress, illness, diet or medication. Other causes include genetics, night-shift work, blindness, mental illness, physical illness and aging. Follow these tips for a good night’s sleep: Go to bed and wake up at the same time every day. Exercise daily, but not within a few hours of going to bed. Avoid caffeine, cigarettes and alcohol several hours before bedtime. Make sure your bedroom is not too hot or cold before bed.     A Beginner’s Guide to Mindfulness and Meditation Prolonged…read more →

Employment Insurance Premium Rate Change for 2019

Employment Insurance Premium Rate Change for 2019

Employment Insurance Premium Rate Change for 2019 The Canada Employment Insurance Commission has announced a decrease in employment insurance premiums for 2019. Finance Minister Bill Morneau and Social Development Minister Jean-Yves Duclos said issued the following statement on the Employment Insurance (EI) premium rate for 2019: “Thanks to the hard work of Canadians, job creation has been strong, and unemployment is near 40-year lows. While more and more Canadians are feeling the benefits of Canada’s strong economy, the Government is committed to ensuring that middle class Canadians and people working hard to join the middle class have the support they need as they work to build better lives for themselves and their families. Canada’s EI program provides that support in times of need, and also provides training and employment programs to help Canadians find and keep good, well-paying jobs.” Since…read more →

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