Boat Insurance – Saving money can cost you

Consumers are faced with a multitude of choices when shopping for boat insurance.  However, the decision usually comes down to purchasing a boat insurance policy or adding the boat to your home insurance policy.  Regardless of how the boat is insured, the decision is usually based on price without knowing the coverage and how the decision can affect the [...]

Changes to Benefit Plans – Proceed Carefully

As 2009 kicks off, we find ourselves waiting and watching as the face of the bear market begins to show itself. With politician speaking of growing deficit spending, we have to look inwardly to our own cost cutting to be able to weather the storm to come. One of the costs that many businesses incur [...]

Commercial Auto Insurance – Material Changes in Risk

The Ontario Court of Appeal recently confirmed that if an insured failed to disclose a material change in risk, the insurance company could reject a claim without having to void or cancel the policy.  The case involved a company with a fleet insurance policy that had employed a driver who had a record for impaired driving.  [...]