May. 16, 2013: The phone rang in my office and it was a potential client who wanted a business insurance quote. He was on the board of a sports association and he had been tasked by his fellow board members to get the best insurance price possible. Someone even gave him a list of the coverage they would need and the limits of insurance for each coverage. He forwarded me the document. FULL STORY

Feb. 25, 2013: If you run your own business, you know that it’s unique. Not all restaurants, for example, serve the same food to the same people during the same hours in the same neighbourhood. Some offer take out while others don’t. Some only serve breakfast and lunch while others only serve dinner. And so it goes with whatever type of business you operate and that’s why it’s critically important that your insurance broker fully understands the full scope of your operation. FULL STORY

Jan. 14, 2013: Most of us like to help out whenever and wherever we can. Occasionally we’re asked to sit on a fundraising committee for a particular charitable cause or perhaps we’re tapped on the shoulder by a friend involved in a not-for-profit group. Maybe you sit on your condominium board or perhaps you help run the local festival. Often we say yes to these requests with our only concern being how are we going to fit yet another meeting into our busy calendar. FULL STORY

Oct. 2, 2012: As a business owner, you hope that you've done the right things when it comes to protecting your company and managing its risks. With the help of your insurance broker, you've made sure that the proper coverages are in place, including the property, liability, equipment breakdown and business interruption products. FULL STORY

Sep. 4, 2012: But how can you protect your business if you provide a service and a mistake causes financial loss for someone else? This is where a product called Errors and Omissions coverage fills the protection gap. Twenty years ago, Errors and Omissions coverage wasn’t on everyone’s radar but in today’s highly competitive and often highly litigious world, it’s become a common element. FULL STORY

Jul. 16, 2012: Twenty years ago, business owners wouldn’t have given it a second thought but in today’s world where we’ve been taught to stand up for our rights it’s a whole new world and that has lead to a relatively new type of business risk. If you run a company which employs any number of people - from 1 to 10,000 - you need to know the ins-and-outs of today’s employment practices FULL STORY

Jun. 25, 2012: When it comes to protecting your business from the hundreds of risks it faces everyday, you might expect an insurance broker (guilty as charged) to offer a one-word solutio - insurance. But that isn’t the case - or at least it shouldn’t be. Your insurance broker needs to point out a whole list of other options for you whenever the discussion revolves around protecting your company. FULL STORY

May. 30, 2012: In this series of articles, we’ve been digging through the myriad of potential gaps in your business insurance coverage; gaps which could place your company at risk. Many of the gaps might not be obvious at first glance but when you think about some of the limits of coverage outlined in a typical insurance policy and consider today’s costs to repair or replace certain items after a loss, it suddenly becomes apparent that you might be underinsured in certain areas. FULL STORY

May. 15, 2012: Most businesses carry a commercial insurance policy that includes some level of coverage to help pay for cleaning up a mess caused by an insured peril. Hopefully your broker informed you of a very important coverage known a "debris removal". It pretty much does what it says; this insurance product helps to pay for removing all of the debris which is often the result of some type of damage. FULL STORY

May. 1, 2012: Recently we featured a Risky Business article which spoke about how business owners and their insurance brokers need to get good at digging for holes; those potential gaps in insurance coverage which may be easy to overlook but can be deadly to the survival of a company after it suffers a serious loss. Here is one of those holes to look for in your insurance coverage. FULL STORY