Rate Increased? Here’s why…
Quotes provided same day!
Hard-to-Place Property/Liability
Our group will work with you to tailor solutions for hard-to-place property and liability risks.
Risks that are hard to place due to physical hazards, claims experience, location or occupancy are usually unacceptable to the standard markets.
Examples of hard-to-place risks include
From an insurance brokerage’s perspective:
“As an owner of any business it is our duty to protect our clients privacy and ensure proper security systems and procedures are in place to protect their data.”-privacy officer-Dan Desbiens
8 privacy tips for businesses Based on best practices suggested by the Privacy Commissioner of Canada, the tips below can help us better protect our customers’ personal information and help create a strong regulatory compliance environment at our brokerage. Please note: These tips offer general topics—
1)Get your customers’ consent to collect their personal information.
2)Limit your collection and retention of that information.
3)Ensure that your staff receive appropriate privacy protection training.Limit and monitor access to personal information and take appropriate action when an employee accesses information without authorization.
4)Think twice before collecting sensitive personal information, and guard against collecting sensitive information you are not likely to need, such as your customers’ social insurance numbers.
5)Inform your customers if you are using video surveillance.Have a privacy policy and be upfront about your collection and use of personal information.
6)Protect personal information stored on laptops, USB keys and portable hard drives through technological safeguards such as encryption and password protection.
7)Respond to your customers’ requests for access to their personal information in a timely manner.Safeguard personal information against privacy breaches.
8)Report all breaches that could result in significant harm to an individual.
Pick up around your yard
•Pick up and secure loose items stored outside to avoid them becoming flying debris causing potential damage and personal injury
•If you have a pool, consider covering your pool to avoid debris entering and causing damage
Prepare your home
•Install a sump pump to prevent groundwater from entering your basement. If electric, consider installing a battery-operated back-up in case of a power outage
•Keep drains and toilets free of household grease and other foreign objects that may cause blockage
•Know where basement floor drains are and keep them clear
•Know where your shut-off valves are and how to turn them off in an emergency•Check eaves trough and downspouts every spring and fall to ensure that they are not blocked
Know what to do during a flood
•Do not touch electrical wires, appliances or devices
•If sanitary sewer backs up into your basement, do not flush toilet or turn on any taps
•Never cross a flooded area
•Separate damaged property from undamaged property and prepare an inventory of what has been lost or damaged
•Take photographs of damaged property
•Keep receipts of any clean-up costs incurred
Prepare for power outages:
•Ensure fridge and freezers are well stocked and open only when necessary
•If you have a generator, prepare it for use –including checking fuel and oil levels and ensuring it is in proper running condition
•Have flashlights and blankets ready
•Fill the bathtub with cold water
•Ensure all electronic items are fully charged (laptops, smartphones, etc.)
•Keep non-perishable foods stocked
•Disconnect electronics to prevent electrical surges when power resumes
•Have alternative plans to visit friends, family, a warming centre or a mall to stay warm
Most policies protect you against a host of hazards including wind and rain storms. Review your coverages with your broker to understand your coverages, deductibles and any limits which may apply.
Advanced Insurance Brokers Inc.
2-825 Park Ave W
Chatham, Ontario N7M0N1
E-mail address:
yourteam@advancedinsurancebrokers.com
Office Hours : By Appointment only