Commercial Insurance

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 →

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 →

Confronting Retail Violence

Confronting Retail Violence

Implement tools and policies to strengthen your teams ability in confronting retail violence. Workplace violence encompasses everything from a robbery to bullying, from threats and non-fatal injuries to homicide. Retail workers face a number of unique circumstances that put them at an increased risk for workplace violence, including: Handling cash Night-time shifts or finishing shifts after dark Presence of valuable merchandise Working solo Poor visibility in parking lots or when working behind store counters Workers can keep themselves safe by becoming educated about risk, being proactive and following the guidelines outlined in our Workplace Violence Prevention Program. Make sure to talk through the tenants of our Workplace Violence Prevention Program with workers and share the following information. Recognizing Risks Workplace violence can be divided into four general categories: Teach workers to contribute to the safety measures in place by recognizing…read more →

Items Every Business Should Include in a Substance Abuse Policy

With Canada on the cusp of legalizing marijuana in 2017, there’s no better time to revisit or establish a substance abuse policy in your workplace. Substance abuse policies not only ensure that your employees are following the law, but they can also keep employees safe on the job, as certain substances—illegal or otherwise—can affect job performance, lead to absenteeism or create unwanted workplace tension. When creating a companywide substance abuse policy, you will want to consider including the following: A statement that details the purpose and objectives of the policy A definition of “substance” and “substance abuse” Details around who the policy applies to Information around employee confidentiality in the event of a substance abuse issue A detailed look into education and other resources available to employees if they need to seek help. It’s also a good idea to outline…read more →

3 Tips for Increasing Your ROI When Sponsoring an Event

Marketing your business can be done in a variety of ways, including billboard ads, radio spots, social media campaigns and TV commercials. However, another way that businesses can increase their exposure is by sponsoring an event. Sponsoring an event can help attract new customers, increase audience engagement and improve your reputation. It’s likely that events of all kinds take place in your community every year, and it’s important to sponsor one that ties back to your business’ mission or products. The following are some tips you need to keep in mind if you are going to maximize the return on investment (ROI) of sponsoring an event: Understand your target audience. Before choosing an event to sponsor, it’s imperative that you have a deep understanding of the demographics you want to attract—their age range, gender, etc. From there, choose an event…read more →

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