Waivers, the Misunderstood Risk Management Tool
At this time of year we move into the season where equestrians start thinking about the office work they may have neglected through the busy summer riding season! For equestrian clubs, coaches and facility owners, waivers are among one of the many items of concern to address. Do all riders and participants need to sign a waiver? Do I have to have them sign a new one every year? What should be included in my waiver?Read more
What's missing with your fire protection maintenance?
I am a huge fan of sprinkler protection. Sprinklers save lives, they protect property and they can somehow always manage to save or ruin the day in movies and TV. In short, they are usually great.Read more
Recently, I was approached by a client who wants to use drones (also referred to as an Unmanned Aviation System (UAS)) in his business activities, and being a smart client he checked with us to see if his liability policy would cover this activity. My immediate reaction was absolutely not (after all it is an aircraft which is indeed excluded by most General Liability policies) but it did spur me on to do some serious research as drones, in many different types of businesses, are starting to become quite common and usual.Read more
Need a ride? The SPF 9 & Ride Sharing in Alberta
The emergence of Ride Sharing businesses has resulted in challenges which our Auto Insurance wordings across Canada have previously been unable to address. This is largely due to the fact that under an Auto Insurance Owners form, the operations of transporting passengers for a fare are restricted.Read more
Earthquake Insurance: Are you protected?
Earthquake insurance has been a hot topic in recent years in Canada. According to a recent geological survey of Canada, BC is due for a large earthquake with an estimated 30% probability of it happening in the next 50 years. The Globe and Mail recently published an article predicting that a major earthquake could trigger a deep financial crisis. Media coverage of earthquakes in distant countries has left the world shocked and many British Columbians have started to ask what the risk is, here on our doorstep, for good reason.Read more
Are we around the corner yet? Thoughts on transitioning from Alberta’s economic downturn towards a brighter future
Alberta has certainly taken a hit economically over the past couple of years. As the economic downturn continued its spiraling decline, the ever hopeful Alberta Determination and Optimism have given us the courage to power through despite the devastating decline in oil prices and other economic drivers within our province.Read more