Having a Group Health Insurance plan in place has a lot of positives for you as business owner and for your employees. The obvious benefit is the insurance protection covering Group Term Life Insurance, disability, drug, Group Dental Insurance and group medical insurance. These insurance coverages protect you and each of your employees from serious financial harm resulting from death, disability, and drug and dental costs. Employees truly appreciate having this protection and if a medical disaster strikes, you can…

In this day and age, most people are entertained by games. And these games do not necessarily require players to exert much of physical effort. In fact, most of these games would require at least one-hand function and a little bit of mind utilization. Bet you’re starting to figure out which “games” I’m referring to – oh yes, smartphone’s games that is.  Recent Games As far as I could remember (and I hope I do correctly), it started with the…

Are you confident that you can keep up to date with, and comply with, all of the requirements concerning: employment contracts, recruiting practices, sex, race, religious belief, disability and age discrimination, working hours, employee privacy rights and good faith obligations at the time of termination? Do you have the commercial general liability insurance that you need? Canadian companies no longer operate in a benign legal environment. This is particularly true for employment related risk and the potential for an organization,…

Renting an apartment is a common occurrence. Billions of people around the work are moving into apartments, condos and homes that are owned by other people. Everybody knows that landlords do purchase insurance for their property but are you aware that this insurance policy does protect you? For example if there should be a fire in your apartment and all your belongings burn up. Who do you think will be helping you pay to replace everything you own ? Not…

At the constant insistence of my 7 year old daughter Emma, I am currently looking for a dance program to register her in for this coming September.  I didn’t realize what a daunting task this would be until I started looking in to it. There are so many options, not only for the type and style of dance, Ballet, Jazz, Hip Hop, Tap etc., but also the locations where these classes are available.  There are local community centres and private…

Course of construction insurance is designed to protect buildings or projects against the costs of repair or replacement while they are under construction, and sometimes for a specified period afterwards.  Builders risk insurance typically also covers build materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should these items sustain physical damage from an insured peril.  As I am sure you know buildings under construction face the same risks as completed buildings. They…

It’s fair to say that for the most part families are renting out their cottages on the black market. Some might only rent to friends or through word of mouth and more often then not, take payments in cash. The reason why is simple – they’re cottage insurance is not  for rentals. Coverage Is Key Although they may realize the consequences of doing so, they are more concerned with getting in some extra cash to help pay for the expenses…

Condos are a form of home ownership that allows the purchaser to buy the home without having to buy the building. The ownership of the condo is in the name of the condo corporation most of the time and it enacts it’s own bylaws to govern and direct its actions. Individuals may own one or money units and will have a shared joint of interest and responsibility for common elements such as swimming pools, recreational areas, walkways, parking area, etc….

As you may know, commercial general liability is broken down into 4 sections; bodily injury and property damage liability, personal injury and advertising injury liability, medical payments, and tenants’ legal liability.  Each of these 4 sections has its own specific meaning to a commercial general liability policy, and as such, each of these 4 sections have their own specific exclusions, such as expected or intended injury being an exclusion of bodily injury and property damage liability.  This is just one…

I have watched my father tend to the gardens and landscaping outside of their home all my life. My dad is one of those people who seems to have a perpetually green thumb. Plants rejoice and blossom at the mere sight of him walking through the garden center. Then there is my mother.  She tries to keep the poor leafy beings alive. Really she does. However more times then I could count she over watered or didn’t water enough and…

Often times, I come across clients who have home insurance but don’t know what it entails. In my opinion, it’s important for consumers to be aware of what their hard earned dollars and cents are being spent on. As a result, I decided to take this time to educate you all on what coverage a typical policy for home insurance in Ottawa provides. Policies are split into the six sections shown below. • Dwelling: Costs of rebuilding /repairing your home…

An ATV is an excellent hobby, and a great way to bond with friends and family. Whether you ride for fun or sport, ATVs are a nice way to spend your free time. A family that owns either an ATV or a UTV will have several benefits on their name. This range from hunting, doing camping to working on snow from one’s drive way. Stay Legal To legally ride off your own property with an ATV you require proof of…

Contrary to popular belief, renters DO need insurance. There is a huge misconception that those who don’t own the property they live in don’t need to purchase insurance – the landlord does that already, right? Think again! Statistics actually show that about only half of renters actually purchase rental property insurance. As a tenant, regardless of whether you rent an apartment, a condo unit, or a home, you and the homeowner share some of the same insurance needs and potential…