What Is Care, Custody, and Control in Insurance?
A care, custody, and control exclusion means your insurance won't pay for someone else's property when it's damaged in your hands. Here's how it works, and how to cover the gap.
9 Insurance Risks Gyms and Fitness Centres in Canada Face
Gyms and fitness centres face injury claims, equipment breakdowns, harassment allegations, and cyberattacks. Here are the nine most common risks – and the gym and fitness centre insurance coverages that protect your finances when something goes wrong.
Back to School: 9 Reasons Why Tutors and Teachers Need Insurance
As a new school year begins, it’s not just lesson plans that need reviewing – your protection does, too. From liability claims to unexpected accidents, educators in Canada face real risks. Here’s what tutors and educators need to know to stay focused on what they do best: teaching.
What Small Businesses Need to Know About Cyber Insurance
Data shows that 48% of Canadian small businesses have implemented any form of cyber defence, and only 22% have cyber insurance. Here's why it's time to get serious about protecting your business from cyber threats.
21 Business Insurance Terms to Know in Canada
Business insurance policies are full of jargon – binders, perils, riders, exclusions. When buying or renewing a policy, use this quick, plain-language rundown of the 21 commercial insurance terms every Canadian business owner should understand.
What Type of Insurance Do IT Consultants in Canada Need?
IT consultants require comprehensive insurance to minimize financial, legal, and operational risks and avoid financial turmoil. Most IT consultants in Canada need professional liability (errors and omissions) insurance, cyber liability, and general liability insurance at a minimum. Here’s what you should know.
Self-Employed Insurance in Canada: Coverage Every Freelancer and Solopreneur Needs
70% of self-employed Canadians have no business insurance, leaving them one lawsuit away from financial ruin. Getting covered is easier and more affordable than most self-employed professionals realize. Here's what you need to know.
What Is a Certificate of Insurance (COI)?
A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is insured. It summarizes your active coverages, policy limits, expiry date, and other key details, so clients, landlords, and partners can confirm you're covered before they agree to work with you.
Do Consultants in Canada Need Liability Insurance?
One misread recommendation or a project that falls short of a client's expectations can trigger a negligence claim or an expensive lawsuit. Here's how the right insurance protects your consulting business, your finances, and your reputation.
What Insurance Do Media and Marketing Professionals in Canada Need?
Missed deadlines. Campaigns that don't land. A client who decides your work costs them money. These aren't hypotheticals, they're the real risks that come with doing creative and strategic work for a living. This guide breaks down what insurance media and marketing professionals need, what it costs, and why having the right policy is increasingly the difference between landing clients and losing them.