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I recently had the pleasure of driving through a hailstorm.  I was in an early morning fog and it took a few minutes to realize I wasn’t being covered by gravel from the debris of Manitoba construction season, but by stones from the sky.  Fortunately, I have a dent resistant vehicle which seemed to enjoy …

One of the hot topics in the industry these days is the controversy surrounding glyphosates and their effect (or lack thereof) on our world. I am the first to admit that I am simply not educated enough to dive into that debate, so instead, let me put my energy into reminding us all of the …

Most of my articles focus on how you can transfer risk by purchasing insurance to transfer that risk to an insurance company. However, there are additional ways to control risk. One of these ways is called risk separation. In its basic form, it is a risk control method that involves separating key assets to prevent …

The basis behind insurance is that the premiums of many pay for the losses of a few.  This is true whether you are buying travel insurance, cyber liability insurance, or protection for your 1980 John Deere Tractor that refuses to retire. As an independent insurance broker, we represent many different insurance companies who offer a …

With the costs of insurance claims rising, we are starting to see insurers working to reduce their claims costs.  There are a variety of ways that this is done; working to maximize efficiency with clean up and rebuilding costs in claims. One common sense way to reduce the expense of insurance claims is prevention.  Several …

Have you ever been burned by forward marketing your grain?  You’ve heard the stories – you work harder than ever only to get to the end of harvest and discover that there aren’t enough bushels in your bin to fill your contract?  Or the quality doesn’t match what you were contracted to provide?  Or did …

I am amazed at the amount of risk farmers are accustomed to dealing with each and every year.  I am also amazed that farmers can sleep at night knowing that their crop may not be the same when they awake the next morning.  Some farms are very careful at maximizing all insurance options available to …

One of the most overlooked details of construction projects is the insurance coverage.  With all of the details involved, it is easy to overlook the important step of insuring your new building.  This summer, I had the privilege of watching the progress of a new building under construction each day while I drove to and …

The basic concept of insurance is to put someone back to the place they were before the loss.  From insuring your phone from “water damage” after you drop it in the toilet to insuring a cigar for fire insurance, there are lots of options available. Due to the frequency of hail and wind damage claims …

With the excitement of harvest building up around Manitoba, this is a good time to make sure you are properly prepared.  Your first action might be to make sure you have long playlists of country music available along with a cab filled with energy drinks and western novels for the short periods of downtime throughout …