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Safety Focused: ATV safety, home painting precautions, & how to reduce choking hazards for small children

Safety Focused: ATV safety, home painting precautions, & how to reduce choking hazards for small children

This month’s Dan Lawrie Insurance Brokers Safety Focused newsletter features articles on ATV safety, home painting precautions, and how to reduce choking hazards for small children. ATV Safety As warmer weather approaches, more people will be using all-terrain vehicles (ATVs) for recreation. While riding an ATV is a fun activity, they can be extremely dangerous. In fact, in the last 10 years, there have been hundreds of ATV-related deaths across Canada. Here’s how to keep you and your family safe while operating an ATV: Read the operator’s manual and attend ATV instruction classes before riding. Wear gloves to reduce vibration pressure and to improve grip. Wear boots to maintain balance and control, protect feet and legs from debris, and maintain sound footing. Wear a long-sleeve shirt and pants to avoid burns and scratches. Always be aware of your surroundings. Watch…read more →

The Inside Scoop on Car Insurance Premiums

The Inside Scoop on Car Insurance Premiums

Whether you’re thinking of buying a new vehicle or just shopping around for a new car insurance provider, it helps to understand how insurance companies determine the amount you’ll pay for coverage. Let us break it down for you. Contact us today about your car insurance coverage! How are car insurance premiums calculated? While there are several factors that go into determining the cost of your car insurance, here are three of the most influential things insurance companies consider: Statistical data about the make, model, and year of your vehicle. Insurance companies use the Canadian Loss Experience Automobile Rating (CLEAR) system to price car insurance based on the likelihood that a vehicle will be involved in a claim and how much it’ll cost to cover the damages. Vehicles that are statistically less likely to be involved in collision or theft…read more →

Have the Liability Floodgates Opened Against Directors and Officers?

Have the Liability Floodgates Opened Against Directors and Officers?

SCC Examines Personal Liability for Directors and Officers On July 13, 2017, the Supreme Court of Canada (SCC) delivered its decision in Wilson v. Alharayeri (Wilson). In doing so, the SCC reaffirmed that directors and officers may be held personally liable for oppressive conduct. The SCC’s decision is significant as it provides additional guidance on what courts should consider before issuing an order in an oppression remedy claim against a director or officer. In particular, the SCC outlined four principles to guide courts in developing an appropriate remedy in oppression cases. The SCC’s decision may assist businesses as they evaluate whether certain types of corporate conduct could lead to personal liability for their directors and officers in the future. Speak to us today about how this decision could affect your organization! WHAT IS THE OPPRESSION REMEDY? The oppression remedy is…read more →

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 →

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