You’re in the mood to celebrate, it’s a Friday night and you had a really hard workweek, you’re ready for a night out with friends. You’ll be going to your favourite restaurant and of course, having a few drinks to lighten the mood.
In Ontario, it is mandatory that all businesses, organizations and people operating heavy commercial vehicles (having a total weight of more than 4500kg or a bus carrying ten or more passengers) register as commercial vehicle operator. This system identifies the monitoring of on road performance for commercial vehicle operators.
I recently attended a presentation where three individuals (myself included) were presenting their company to an audience of entrepreneurs. By the end of the hour, I was left with a key question that both presenters failed to answer – why do they do what they do?
Here are some claims under Human Rights by both employees / employers:
1. Allegations by employee that his/her employer provides information to third parties he was incompetent, leading to unreceptive working environment.
2. Revenge claimed by employees.
3. When an employee sued for misuse of confidential information.
4. Where an employee files a complaint due to discrimination against culture, ethnic origin, race or even colour.
And more. If you are unsure of a situation you are in, call us and we will be more than happy to assist you.
Event Insurance associated with events covers and protects planners in several specific areas especially in a society where lawsuits runs rampant, it’s always best to protect yourself from ever having to deal with those worst-case scenarios, especially if you’re the one in charge. Event Insurance provides general liability for specific events. Planners can purchase additional coverage that protects them from such things as liquor liability and event cancellation.
At its most basic, event insurance provides you with liability insurance. Other coverages that you may wish to add, include:
No matter the size of your event or how well prepared you are, you never know when the worst-case scenario could become your reality. The small things that cause the most problems if you’re not properly covered. So even the most basic coverage policy could prove to be a big help in the long run. Having the proper insurance can make the difference between a minor bump in the road and a complete detour.
Anyone who holds themselves out as having a special body of knowledge, skill, or expertise and are paid for their work, service or advice, are professionals. A professional liability or also known as Errors and Omissions Insurance. This policy covers liability arising out of negligent acts, errors and omissions in the rendering, or failing to render, of professional services. Such failure could have harmful consequences not only your company’s financial stability but your personal assets as well. Keep in mind that your general liability policy does not provide this protection, so it is important to understand the difference.
Professional liability insurance is applicable for any professional firm including lawyers, accountants, consultants, notaries, real estate agents, insurance agents and technology providers to name a few.
Who needs a Garage Auto Policy? Automobile dealers (new and used cars and trucks), repair garages, service stations, storage garages, parking lots, valet parking, drive away or delivery auto services and towing companies.
The Garage Auto Policy provides insurance to cover:
– insured’s legal liability for death, bodily injury and property damages to others;
– accident benefits for garage personnel
– physical damage insurance for owned vehicles for those businesses primarily engaged in the sale of automobiles. Usually, vehicles owned by the owners of repair or storage garages are insured on a standard owners policy not the garage auto policy.
– legal liability for physical damage to customer automobiles and other non-owned automobiles while in the garage’s care, custody and control.
Whether your organization is publicly traded, private, or non-profit, your directors and officers are exposed to a number of liabilities. In the performance of their ongoing organizational duties, they can be held personally liable for both damages and defense costs.
Directors and Officers insurance (D&O) provides financial protection for the directors and officers of your organization in the event they are sued against their actions that affect the profitability or operations of the company. This type of insurance can cover costs or damages lost as a result of a lawsuit. Claims can arise from a variety of sources – government, competitors, creditors, employees, as well as other stakeholders. In some cases, damages awarded are relatively minor. However, the cost of defending these types of claims can be significant, and could very well impact the financial viability of your organization.
Fleet Insurance is auto insurance for 5 or more commercial vehicles. Insuring your vehicles under one fleet policy can be less expensive than insuring each one individually. Fleet Insurance provides the same coverage and offers some added flexibility as company employees can drive any vehicle in the fleet, as long as each employee is licensed. The deductible options can differ between vehicles but the liability limits are the same for all vehicles listed on the policy.
Fleet insurance protects a company’s vehicles,vehicles hat carry employees, products or equipment. With commercial fleet insurance you can insure your work cars, SUVs, vans and trucks from damage and collisions.