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In the midst of an insurance market where insurers are less and less excited to write new policies, and where they are scaling down their capacity for existing business, we are seeing the need for more subscription policies to insure the increasing limits on property insurance policies. What in the world is a subscription policy? …

If you have been one of the lucky people to hibernate for the past few months, let’s catch you up on life events to get you ready for 2022.  Depending on when you went into hibernation, the Toronto Maple Leafs are on pace to lose in the first round of the playoffs, we had another …

Whether it is Santa getting injured while coming down your chimney, one of the reindeer spraining an ankle slipping on a poorly cleared sidewalk or a case of wide-spread food poisoning to your neighbors due to some Christmas baking gone wrong, liability risks are all around us.  Let me be the first to fill your …

Climate change, pipelines, carbon tax, methane from cows.  Let’s talk about the environment. Or since I’m an insurance broker with a one-track mind, let’s talk about insurance for environmental exposures that exist. Environmental liability insurance is readily available in Canada. Even with the challenging insurance market we are facing, the Suez Canal blockage hasn’t stopped …

While on the golf course this past weekend it was suggested by a friend that insurance brokers only have time to golf and send invoices to their clients.  While this may be true for some brokers, my golf game is evidence that I spend a lot more time working for my clients than I do …

Insurance Values and Inflation One of the most challenging things to do right now when advising clients on their insurance coverage is giving direction to building costs in light of the changes that have happened to the price of steel and wood in the last year.  This has caused many insurers to increase the level …