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Very often we receive phone calls from people after they have started making changes to their property or after they have owned something new for a number of months. For example: purchase of a new laptop computer, renovation project is well under way, purchase of a new yard tractor, addition of attached garage, built a …

Farm and Commercial policies cover the electrical, mechanical and other equipment used in most operations against fire, theft and other events. But most property policies specifically exclude losses arising from a very common problem, equipment breakdown, which includes electrical injury, mechanical breakdown, pressure explosion, rupture and cracking. So, any business operation that use pressure, mechanical, …

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 …