Net’s and Gear - Are you Covered?

Written by on 12/5/2018 5:32 AM in , , , , , , , . It has 0 Comments.

Commercial fisherman will usually always have nets and gear that they use in their operations.  Although some may feel that this gear is covered under the commercial fishing vessel policy, that is incorrect. Nets and gear coverage is an added coverage that needs to be purchased by the vessel owner.  There are also 3 streams of nets and gear coverage: 1)     Nets and Gear – On Board the vessel 2)     Nets and Gear – On Land 3)     Nets and Gear – In transit to and from the vessel  Nets and Gear – On Board the Vessel Accidents happen, and fishing accidents are no different, a fishing enterprise can purchase nets and gear coverage under their commercial fishing vessel policy, so that the costly gear can be included if there was an event to occur at sea causing this gear to be lost. There is also some on land coverage included in net’s and gear coverage if it’s purchased for gear on the vessel ...


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Halloween Safety

Written by on 10/30/2018 7:03 AM in , , , , , . It has 0 Comments.

Halloween is a fun and exciting time for most, but can be scary! It is important to keep safe and avoid getting hurt. So here are some Halloween Safety Tips for children and young adults: -head out early and avoid staying out too late -wear reflective tape or light up/flashing items -take a flash light to ensure you can see where you are walking -make sure your costume doesn’t drag so it wont trip -make sure you can see and hear out of your mask properly (or try face paint!) -make sure to dress warm under your costume -look both ways before crossing the street -make sure vehicles are stopped and can see you before crossing the street -consider going to a Trunk or Treat event to avoid walking on the roads in the dark -always go with a parent or with a trusted adult -don’t go inside a home of someone you don’t know -try to only go to doors of people you know -be kind and polite -never eat a candy or treat that appears to be tampered with or opened -have an adult check your loot ...


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How to be a Good Leader in the Workplace

Written by on 9/18/2018 6:05 AM in , , , , , . It has 0 Comments.

Imagine going to work and truly feeling motivated every day. Imagine your co-workers all working together to achieve a common goal. Work productivity all depends on the work environment. If your co-workers are a constant drag, there will be little to no progress during a day and you won’t feel very proud of your accomplishments. Being a good leader influences an entire office. To be an efficient leader you don’t need to be crazy special or unique, you just need to know how to use your skills in a way that benefits everyone around you. Learn how to communicate effectively. Communication is almost always the key to being a successful leader. Think about the "who," "what" and "how" of the situation, and always consider all angles of a situation before diving in. For example, What is the issue at hand? How can it be solved? Understanding the answers to those questions will make communicating your thoughts and ideas to other much clearer.  Have a positive attitude at work ...


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WHY DO I NEED DIRECTOR’S AND OFFICER’S INSURANCE (D&O)?

Written by on 9/5/2018 7:15 AM in , , , , . It has 0 Comments.

Directors and Officers insurance protects the personal assets of directors and officers, and their spouses, in the event they are personally sued by other parties for (alleged) mis-management of their company or organization. What is the difference between Commercial General Liability (CGL) insurance and Director’s and Officer’s (D&O) Insurance: o   CGL provides coverage for claims arising from third party property damage and/or bodily injury. o   D&O provides coverage for wrongful acts such as neglect or breach of duty. People who give advice and/or make educated recommendations also benefit from Errors and Omissions (E&O) coverage, as they are at risk of being sued for giving improper or misleading advice. Examples  of types of potential losses may include: o Wrongful dismissal o Slander o Fraud ...


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Motorcycle Safety Tips for Wharf Rat Rally and All Season Long!!

Written by on 8/28/2018 5:18 AM in , , , , . It has 0 Comments.

With the 14th Annual Wharf Rat Rally coming to Digby, Nova Scotia this week, this little town is expecting an influx of bikes and their riders. While motorcycles are a fun, fuel efficient method of transportation, it is important to be aware of the safety risks that come with riding these bikes. Here are a few tips to keep you and your family safe this year all while enjoying the freedom that comes with riding a motorcycle! 1.      Brush up on core skills in a safe place like an empty parking lot by practicing emergency braking and obstacle avoidance. 2.      Always use your signals to make other drivers aware of your actions at all times.  3.      Ride at a safe speed and stay far enough behind other vehicles that you have plenty of time to stop safely. 4.      Avoid bad weather as much as possible. Rain not only cuts your visibility but reduces your tires’ grip on the road. 5.  & ...


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The Truth about Modifications and Lift Kits – Are you covered?

Written by on 8/23/2018 6:39 AM in , , , . It has 0 Comments.

Does your vehicle have a lift kit or other modifications?  If you answered yes, you may not be covered on your current policy.  The application that you sign for your insurance policy asks if your vehicle has been modified.  If you answered no and the vehicle has, in fact been modified, your policy contract with the insurance company could very likely be null and void. There are many modifications that can be made to a vehicle, but some can affect whether your vehicle meets safety rating laws or the underwriting guidelines of your insurance company.  Modifications such as lift kits and engine upgrades etc., can seriously affect the safety of a vehicle, particularly if it is not installed properly.  For this reason, insurance companies need to be aware of any changes made to the vehicle  and, depending on the specifications, may decline to insure the vehicle. Lift kits are the most common of the modifications that we see and are often overlooked or not reported.  This coul ...


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Be a Better Driver!!

Written by on 6/26/2018 4:44 AM in , , , , , , , , . It has 0 Comments.

Let’s face it, at some point in our driving history we have all been distracted by one thing or another, lucky for most of us, we haven’t caused an accident…YET! Distracted driving has become a serious issue in today’s society. The use of cell phones in cars has increased significantly. RCMP are now cracking down on distracted driving, and are handing out some hefty fines, and we couldn’t agree more…for everyone’s safety. Here are our top 8 tips on how to stop being a distracted driver: If your phone allows it, turn on Do Not Disturb while driving If your phone doesn’t have do not disturb, put it out of reach Set your GPS before your start driving do you don’t need to do it when you’re on the road. Make sure your passengers are not a distraction. If you have children, give them something to occupy them Avoid eating, drinking, and applying make-up while your vehicle is in motion Keep music at a reasonable level so ...


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Trampolines and Safety!!

Written by on 6/25/2018 4:48 AM in , , , , , , , . It has 0 Comments.

Trampolines are becoming more popular every year.  With varying types from small, for personal exercise, to the large outdoor variety, there’s never been a better time to talk about trampoline safety. Every year there are approximately 100,000 trampoline related injuries, the majority of which happen to children. Trampolines are not recommended for at home use, however if you must have one there are guidelines to follow. Here are some trampoline safety tips: Be sure to talk to your insurance broker before installing a trampoline. Ensure there is adequate supervision when the trampoline is in use. Only one person at a time should be using the trampoline. Make sure the trampoline is on level ground and that there is a 2-meter clearance around the sides. Using a trampoline safety net can help prevent injuries from falls Never attempt somersaults on the trampoline. Make sure supporting bars and landing surfaces have sufficient padding. Inspect the tramp ...


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How Much Commercial Building and Equipment Coverage Should I Have?

Written by on 6/21/2018 5:57 AM in , , , , , , , , . It has 0 Comments.

At some point in time as a business owner you have had to decide how much insurance coverage you feel you need on buildings, equipment or stock that you own or are responsible for.  Hopefully the following will help you make an informed decision. Most property insurance polices contain a “Co-Insurance Clause”.  The word in essence means that both parties, yourself and the insurance company can become partners in payment of an insured loss.  Most insurance claims to buildings, equipment or stock tend to be partial losses and not total losses and an insurance company needs to collect enough in premiums to cover all losses and expenses.  It is impossible to know who is going to have a partial loss verses a total loss, so to stop businesses from only insuring a portion of the value of a given building, equipment or stock a “Co-Insurance” penalty is contained in the contract wording.  In simple terms this clause states that insured losses are settled on the basis o ...


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Let's Give Back

Written by on 6/18/2018 3:50 AM in , , , , . It has 0 Comments.

Here at Fairway, we regularly give our time to support local charities and our communities.  We do it all, from volunteer firefighters, coaching children, participating in major events like the Canadian Cancer Societies Relay for Life, and practically everything in between.  Here are our top 5 reasons why we think everyone should volunteer: 1. You’re giving back to the community. When you volunteer you are helping those who really need it.  You are helping strengthen your community. Whether you are helping tutor children, supporting families in eldercare, or cleaning up the local beach, your community reaps the benefits.   2. You’re helping make a difference. There is no satisfaction like knowing you are making a difference in someone’s life.  Even the small things can make a huge difference. 3. It gives you self-confidence and a sense of accomplishment Knowing at the end of the day that you helped someone smile, be it a child or an adult in need, not only ...


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