Sharyn Hiscock's Articles

Summer Is Here!!

Posted on 7/15/2019 7:10 AM . By Sharyn Hiscock

Summer is in full swing, and with that we see more traffic on the roads, and on the water. Whether it’s a car, boat, pedestrian or kayaker there are lots of people out there.  It is very important that we are not distracted when operating any vehicle or watercraft.  Pay attention to your surroundings and always look twice. Ensure that you are following the rules of the road and water.  Here are just a few great tips. If you’re on the road: 1)     Watch for pedestrians and wildlife 2)     Don’t drink and drive 3)     Don’t do anything that distracts you, pull over instead If you’re on the water: 1)     Be cautious of other boaters and swimmers.  Don’t get too close 2)     Don’t drink and boat 3)     Ensure your have your pleasure craft operators card We want everyone to have a safe and enjoyable summer, but accidents ...


Net’s and Gear - Are you Covered?

Posted on 12/5/2018 5:32 AM . By Sharyn Hiscock

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 ...


Be a Better Driver!!

Posted on 6/26/2018 4:44 AM . By Sharyn Hiscock

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 ...


Trampolines and Safety!!

Posted on 6/25/2018 4:48 AM . By Sharyn Hiscock

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 ...


Let's Give Back

Posted on 6/18/2018 3:50 AM . By Sharyn Hiscock

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 ...


What's the Most Important Insurance for Businesses?

Posted on 1/11/2018 7:36 AM . By Sharyn Hiscock

Commercial General Liability insurance, commonly referred to as a CGL policy,  is the most important insurance coverage a business owner can have.  This insurance coverage ensures that the business, and business owner, is protected in the event of injury to a person, or property damage caused by the insured, in an area associated with the business. The commercial general liability policy includes various different coverages as follows: Bodily Injury and Property Damage Liability – For example, if a client slips and falls on your property because you did not salt or sand properly, or you are plowing a client’s property and cause damage to part of the property, these things would be covered under this policy coverage. Personal Injury Liability – This coverage includes coverage for false arrest, wrongful eviction of a person from your property, or oral slander or libel.  For example, if you wrongfully detained someone on your premises because you believe they were stealing on ...


Winter Driving Tips

Posted on 1/3/2018 7:35 AM . By Sharyn Hiscock

With the first winter storm of 2018 fast approaching, the Insurance Brokers Association of Nova Scotia has released some tips to keep you prepared on the road. We all know that no one wants to be on the road during bad weather, but being prepared can make all the difference.  ·        Remove all ice and snow from your windshield, mirrors and side windows. ·        Check your wipers and washer fluid. ·        Make sure you have winter tires on your vehicle. ·        Check tire pressure regularly as this can be affected by cold temperatures. ·        Keep your gas tank topped up in case you get stuck in traffic. ·        Carry a blanket, shovel, snacks, flashlight, emergency kit, road salt/sand. ·        Check ...


Summer Parties, Alcohol, and Your Responsibility as a Host

Posted on 8/8/2017 5:54 AM . By Sharyn Hiscock

Summer is a great chance to have a get together, be it sitting around the pool during the day or even around a fire at night. It’s a great time for weddings, reunions, and all things in between.   If you’re an adult these events will sometimes have alcohol involved, and if you’re the host, then you are responsible for your guests. What exactly does this mean?  It means that if you are the host and your guests are drinking, it is your responsibility to ensure they do not drive or drink too much.  Here are a few suggestions on how to ensure your event goes off without any issues. 1)      Have anyone that has driven to the event location leave their keys with an attendant if they are having a drink or two. 2)      Arrange to have a couple designated drivers / or taxi’s to bring people home when they need 3)      Have snacks around so that people are not drinking on an empty stomach.  ...


Protecting Yourself From Email Viruses

Posted on 5/16/2017 6:11 AM By Sharyn Hiscock

In today's world email viruses are becoming increasingly common. These viruses can be dangerous to business owners and individuals alike. Here are some tips to keep your business and personal information safe: 1) Watch Out For Attachments You should never open an attachment on an email from an unknown sender. These attachments can start spreading viruses when you open the file. They could also trigger software to be installed that can record your user name and password or give an intruder remote access to your computer.  Be very wary of attachments.  2) Be Cautious of Links Within Email Messages Web links can deliver malware to your computer.  Although they may take you somewhere that looks familiar, it isn't necessarily a legitimate site. Make sure you look for discrepancies like misspellings.  3) Take Notice of Unusual Emails from Someone You Know Spoof email address can make it seem like someone your know is sending you a message. If you receive an email from someone you know ...


What To Expect When Insuring a Home

Posted on 2/23/2016 6:34 AM . By Sharyn Hiscock

  Whether you are buying your first home, a different home or shopping around for a new insurance provider: -Insurance brokers will ask questions. Questions such as date of birth, occupation, previous insurance information are commonly asked. Trust that there is a reason you are being asked your date of birth (age discount), previous insurance (claims free discount). Other questions help determine the overall risk and underwriting of the potential policy. -You will be asked questions you might not know. If you are purchasing a home, the realtor website typically does not provide all of the necessary details required by your insurance broker. More specifically, the updates of the home. They play a significant role in determining not only the cost of your insurance but the eligibility. Unless the roof was recently replaced and it is being used as a selling feature, you cannot find the dates for such things as: plumbing, roof, electrical and heat. Most companies require updates within 25 years. There are ...


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