Commercial Insurance

/Commercial Insurance

Waivers: Managing Risk for Recreation & Sporting Events

By | September 8th, 2015|Commercial Insurance, Small Business Insurance|

Waivers Are Not Always Effective for Risk Management The Idea of a Waiver is Typically Misunderstood Waivers tend to be poorly understood - both by the organizations that require their use and by the individuals who are asked to sign them. Courts impose stringent requirements when considering whether to enforce a waiver as a defence to a lawsuit brought by a user. As a result, the Courts routinely reject waivers that fail to meet these [...]

8/10 Cases of Employee Fraud are Internal

By | September 7th, 2015|Commercial Insurance|

When Loyalty Bites: 8/10Fraud & Embezzlement Cases are an Inside Job Fraud, Theft & Embezzlement are Perpetrated by Your Employees White-collar crime can have serious financial consequences, even threatening a private company’s survival. These frauds can go on for years and, when discovered, the ultimate impact can be enormous. It is the long term, loyal and trusted employee whose dishonesty can put you out of business: the accountant who never takes a vacation, the IT [...]

Co-Insurance: When Your Insurance Won’t Pay

By | August 18th, 2015|Commercial Insurance, Small Business Insurance|

Do You Know How Much Your Insurance Policy Will Not Pay? Learning About When Co-Insurance Kicks In for You When reviewing your property insurance, there are few subjects more difficult to understand than the co-insurance requirements. Still they are found in virtually every insurance policy providing property insurance coverage. A universal premise of property insurance is the obligation to insure to value - that is, the worth of what is being insured. If an insurance [...]

When an Insurance Deductible Hurts: Don’t Miss This

By | June 4th, 2015|Commercial Insurance, Small Business Insurance|

So you think you have your commercial insurance covered, right? If you are like me, you think your insurance deductible is easily managed. What if your commercial insurance doesn't factor the Exponential Effect? Can Your Insurance Deductible Compound and Hurt You? What An Insurance Broker MUST Do For You As insurance brokers, we protect your position. You are our clients and we are with you when we build your insurance policy and we are there [...]

Start Up Insurance – um yes.

By | June 4th, 2015|Commercial Insurance, Personal Insurance|

A lot of startup technology companies are focused on the really cool thing: the idea! And that makes sense. If you can't sell you're idea at the outset, why launch it anyway? And I know what you're thinking - because I've launched start ups too: Who gives a shit? The truth is, start up insurance is a really important thing to consider and here's why... it protects your ass. It can save your company from going [...]