Dan Lawrie Insurance Brokers

Liabilities for the Board of Directors

Non-profit organizations provide essential social services that benefit communities and their members. The vast majority of these organizations cannot survive without a volunteer board of directors assigned to elect officers, adopt policies and make major financial decisions for the organization. Although members of the board are volunteers, there is a certain amount of risk involved in holding one of these positions. Specifically, even when acting in good faith, board members are subject to personal liability, which may affect their personal financial status because of their management decisions. It is imperative that your organization and board of directors understand the risks involved with their responsibilities as board members and the ways in which they can protect themselves from personal liability. Risks and Responsibilities To combat the chance of affecting the personal liability of board members, non-profit organizations should assess the risks…read more →

Federal Marijuana Task Force Report – What Employers Should Know

OVERVIEW On Dec. 13, 2016, the Canadian government released a report from the Task Force on Cannabis Legalization and Regulation (task force). The report was ordered by Justin Trudeau’s Liberal government, which has promised to table legislation to legalize marijuana for recreational uses in the spring of 2017. While the government has the ability to accept or reject the task force’s recommendations, the report does provide insight into what a Canadian marijuana legalization framework could look like when the government introduces its legislation. Highlight of the Report The task force’s report contains 80 recommendations for the legalization framework. While each of these recommendations deserves analysis, highlights of the report are included in this Compliance Bulletin. General Framework Under the framework recommended by the task force, Canadian adults over the age of 18 would be able to use and possess up…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 →

10 Holiday Safety Tips for Businesses

The holiday season is here, which means more and more businesses will be decorating their offices and hosting holiday parties. Before your business gets into the festive mood, it’s important for you to take extra precautions during the busy holiday season and offer employees an end-of-the-year refresher course on safety. To accomplish this, keep in mind the following holiday safety tips: Ensure that any seasonal hires are familiar with safety procedures, their surroundings and responsibilities. Offer refresher courses on ladder safety and proper lifting techniques to ensure that, when it comes time to decorate, employees remain safe and healthy. Avoid using real candles in your decorations, opting for safer, battery-powered candles instead. In addition, try to use less flammable decorations, including items made of paper or cardboard. Keep all decorations away from heat or other ignition sources. Practise safe use…read more →

Generic vs. Brand-name Drugs

Generic drugs are used to fill prescriptions more often than brand-name drugs. In fact, two-thirds of all prescriptions in Canada are filled using generic drugs. Still, Canadians want to be sure that generic drugs are as safe and effective as brand-name drugs. Since generic drugs tend to be less expensive than brand-name drugs, there is a misperception that generic drugs are of lesser quality. Similarities Generic and brand-name drugs are similar in that they have identical active ingredients. Also, generic drugs must meet Health Canada’s standards for bioequivalence. Bioequivalent drug formulations have the same rate and extent of absorption as their prescription counterparts. If a generic drug is bioequivalent to a brand-name drug, it is assumed that it will produce the same therapeutic effect as the brand-name drug. As a result, clinical studies for new generic drugs are not needed….read more →

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