Safety Matters

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 →

7 Tips for a Safe Swim

7 Tips for a Safe Swim

Whether you’re headed up to the cottage or planning a pool party, knowing some basic water safety tips can help keep you and your fellow swimmers out of trouble. But water safety is about more than just preventing dangerous situations. Speak to us today about your homeowner’s policy coverage! If someone is swimming on your property and injures themselves, you could find yourself in hot water — so consider these seven tips to keep your guests safe and avoid a liability claim: Keep an eye on the kids. Children should never be left alone in (or near) the pool or lake — even if you run inside to answer the phone or grab a snack, it’s worth bringing the kiddos with you or asking another adult to supervise. For added safety, consider making lifejackets mandatory for younger kids who like…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 →

Host a party without the risk!

Host a party without the risk!

Case law allows for ‘duty of care’ from homeowners hosting bring your own booze party where ‘foreseeability of harm is present,’ lawyers warn. A recent court decision “highlights the amount of work required,” for a defendant being sued after hosting a party where people were consuming alcohol, to get a summary motion dismissing the case, two lawyers argued in a blog post this week. The Ontario Superior Court of Justice ruling in Wardak v. Froom “provides important practice points that highlight the time and expense required to be successful on a summary judgment motion,” wrote lawyers Erin Durant and Kevin Nearing, in a blog post published Tuesday on the CanLII Connects website. In April, 2011, Stephen and Carol Froom hosted a 19th birthday party for their son. A friend of their son, Dean Wardak, 18 at the time, walked to…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 →

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