Over the last few years, small businesses have been continually tested. From adjusting for the COVID-19 pandemic to riding the inflation rollercoaster, Canadian business owners have come out on the other side more resilient than ever before. Entrepreneurs have risen to the challenge by innovating new high-quality and creative products and services. Craft fairs, farmers’…
Heating, Ventilation and Air Conditioning Heating, Ventilation and Air Conditioning (HVAC) consists of systems and equipment to control and regulate temperature, humidity, airflow and air filtering between indoor and outdoor areas. Owning an HVAC system requires complex structures of ventilation – natural, mechanical and hybrid; set of equipment to generate heat – furnace, boiler or…
As a road construction company, your services are a vital part of transportation throughout Canada. Roadways and sidewalks are in constant need of repair, improvements and expansions. You are relied upon to perform your job safely and meticulously from the planning stage of each project all the way through to completion. There are many moving…
The craft brewing and distillery industry has been rapidly growing throughout Canada in the last 15 years. Currently, 94% of breweries in Canada produce less than 15,000 hectolitres of beer, which classifies them as microbreweries. This journey of growth for the industry has brought on risks that are as varied as the types of beer…
Canada experiences a number of extreme weather events and natural disasters every year. It is not uncommon for a business to be forced to shut down due to a burst pipe in the building that causes extreme water damage. Business Interruption (BI) Insurance is an important policy that provides relief if an unforeseen event impacts…
You may hear the phrase “actual loss sustained” in discussions about coverage under your business interruption insurance policy, but what does it really mean? Understanding this coverage and how it is calculated helps you to determine how it might respond to a potential loss and how much money you might be compensated in an insurance…
When a building construction project occurs as either a new build or renovation of an existing structure, the first coverage that comes to mind is usually a Builder’s Risk policy (also called a Course of Construction or COC policy). Course of Construction protects all parties that have an insurable interest in a construction project including…
Are you unsure about if your insurance policy covers business interruption? Coronavirus (COVID-19) has brought up many questions surrounding how Canadian insurance policies may respond to business interruptions. Unfortunately, there is not generally coverage offered from commercial insurance and traditional business interruption policies that will cover disruption due to pandemic. Most business interruption policies have…
House fires can ignite when you least expect them and can spread uncontrollably within minutes. Even if the fire is put out quickly, it can result in thousands of dollars in damage. It is important to be informed on house fire prevention methods, and to have the right insurance in place if a fire does…
Residential Real Estate Insurance Built With Your Property in MindWe find customized solutions for your condo or apartment building. Our brokers are experts in the real estate industry and are experienced in building comprehensive condo/strata and apartment building coverage packages. Property insurance is one of the most critical decisions you can make to ensure the…