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Cyber Liability Insurance: Does my business need it? Your questions answered!

Cyber Liability Insurance: Does my business need it? Your questions answered!

What is Cyber Liability Insurance? Cyber-insurance is an insurance product used to protect businesses and individual users from Internet-based risks, and more generally from risks relating to information technology infrastructure and activities. Despite the fact that data breaches can impact any business at any time, for many of our clients, cyber liability is a brand new concept—and they’re not alone. We ask clients to consider some of the following questions when determining whether their business is at risk: How many records containing personal information does your organization retain or have access to? Do all portable media and computing devices need to be encrypted? Could you make a claim if you were not able to detect an intrusion until several months or years had elapsed? Click here to take our online Cyber Risk Exposure Survey in under 5 minutes!   But…read more →

Busting The Top 5 Myths About Condo Insurance

Busting The Top 5 Myths About Condo Insurance

So, you’re finally ready to buy that condo you’ve been dreaming about — and it’s time to shop for a condo insurance policy. Before you take the plunge, let us make it a little easier by breaking down five of the most common myths about condo insurance. 1. “My condo corporation already has insurance, so I don’t need to buy my own coverage.” Unfortunately, your condo corporation’s master policy probably isn’t designed to protect you, your belongings, or improvements you’ve made to your unit — it likely only covers damage to the building and items in common areas, like the lobby, rooftop patio, or gym. Each unit owner should have their own condo insurance policy to protect what’s inside their own unit. 2. “Condo insurance will only protect my stuff, so I don’t need it.” Condo insurance protects so much more than…read more →

7 Pillars of Self-Care | Live Well, Work Well – July 2017 Edition

7 Pillars of Self-Care | Live Well, Work Well – July 2017 Edition

7 Pillars of Self-care That Can Help Improve Your Overall Health Self-care refers to anything you do for yourself that promotes healthy choices and helps prevent or deal with illness. International Self-care Day is July 24, and it’s a time for Canadians to focus on elements that influence wellness, like hygiene, nutrition, lifestyle choices, the environment, socio-economic factors and self-medication. There are a number of definitions of self-care produced by different authorities at different times – the World Health Organization for example has produced three much-cited definitions (in 1983, 1998 and 2009). The WHO 1998 definition is: ‘Self-Care is what people do for themselves to establish and maintain health, and to prevent and deal with illness. It is a broad concept encompassing hygiene (general and personal), nutrition (type and quality of food eaten), lifestyle (sporting activities, leisure etc), environmental factors…read more →

Proposed Fee For Boiler And Pressure Vessel Inspection And Certification In Ontario

Proposed Fee For Boiler And Pressure Vessel Inspection And Certification In Ontario

What are the changes? There are a number of proposed changes, and we would like to draw your attention to one in particular that would have a direct impact on your clients. Upon an Insurer’s periodic inspection of a boiler or pressure vessel in the Province of Ontario, the owner or operator of the device would be required to apply for authorization from TSSA to operate their device (Certificate of Inspection) with the payment of a fee and a copy of the Record of Inspection. The fee would apply to each device. The current practice is to inspect and provide any required certificate of inspection at no additional cost. Who would be impacted? The proposed changes would affect insureds who own boiler and pressure vessel objects that require periodic jurisdictional inspections. Opportunity for feedback The Ontario Ministry of Government and Consumer…read more →

Evacuation Guidelines For Yourself & Your Family

Evacuation Guidelines For Yourself & Your Family

Are You Prepared? Evacuations are more common than many people realize. Fires and floods cause evacuations most frequently across Canada, and almost every year, people along coastlines evacuate as hurricanes approach. In addition, transportation and industrial accidents release harmful substances dozens of times a year, forcing many people to leave their homes. In some circumstances, local officials decide that the hazards are serious and require mandatory evacuations. In others, local officials advise evacuations and individual households can decide to evacuate to avoid situations they believe are potentially dangerous. When community evacuations become necessary, local officials provide information to the public through the media. In some circumstances, other warning methods, such as sirens, text alerts, emails or telephone calls are used. The amount of time you have to leave will depend on the hazard. If the event is a weather condition,…read more →

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