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Canadians are not as litigious as the Americans but the gap is narrowing. Anyone can sue someone for something. Insurance and Risk management is necessary. When a statement of claim is presented the courts decide if it has any merit. If does not it is thrown out. When this happens, the costs can still substantial. …

Are you thinking about protecting your investment in the field!  We have had a great start to the season. Crop values are looking exceptional this year. Many farmers are predicting a record year! Is your current hail insurance coverage sufficient…Can you afford to lose any of this year’s crop? The two greatest risks that you …

It is very important for businesses that are involved in growth, production and preparation of food to have appropriate recall, risk and crisis management plans in place. Available coverage within a Recall Insurance Program includes free pre-loss consulting, crisis management services, and coverage for related expenses. This equates to not only insurance but also loss …

When talking about Group Benefit Plans, the conversation often seems to be spent mostly on questions about the type of Dental coverage, limits within the Extended Health portion of coverage, is travel insurance included, is a doctor’s referral required for massage therapy…all are important points but few want to talk about what I believe is …

We hire contractors to build, repair and to do general maintenance on a regular basis. Have you ever thought about what would happen if there were damages caused because of their work? Imagine you own a building and operate your business in it and you rent out some areas of the building that you do …

Your life is an asset, just like a car, a home, or a business. When you lose it, you lose it unless you buy insurance to replace the value. You have the option to buy family lifestyle protection life insurance to assure your kids and spouse needs are met and business life insurance to protect …

Insurance companies take vacant buildings very seriously. The claims experience with vacant buildings has not been good so the rules in these situations are quite stringent. Examples of vacant buildings are a house, barn or office building. We are not talking about an empty machine shed or grain bin. These are typically empty on a …

Do you operate both a farm and a business? Did you know that you need to discuss this with your insurance broker? All policies contain limitations and one very basic one is that a farm policy is to cover farm property and operations not business property and operations. A farm policy will not automatically cover …

Dale Rempel has been named president of the Insurance Brokers Association of Canada (IBAC) at the annual general meeting held in Banff this past September. This is the highest position an insurance broker can fill and we are very proud of Dale especially when you consider the health issues that he has gone through the …

You could have a collision with your tractor or your combine could catch on fire. Does your insurance policy pay for repairing the machinery without deducting depreciation on the parts? If you are the first owner of this unit and it is less than 5 years old are you covered for the full cost of …