Posts Tagged ' insurance'

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Summer Is Here!!

Written by on 7/15/2019 7:10 AM in , , , , , . It has 0 Comments.

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?

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 ...


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 ...


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 ...


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 ...


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.  & ...


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 ...


How to Buy a Good Sailboat

Written by on 5/28/2018 5:19 AM in , , , , , , . It has 0 Comments.

You have tried your hand at sailing and you love it, and why not? It’s such a great feeling to be out on the water and sailing without the use of a motor. It takes some skill and time to learn but you will enjoy a great source of recreations and freedom with sailing. So now it’s time to buy a sailboat. What do you do and how can you get a good deal? Here are some helpful tips to put you on the right track. New or Used? Is it better to buy a used boat or a new one? This depends on what kind of condition the boat is in. If budget is a big concern, you may have no choice but to look at used vessels. With a used boat you may save on price and on boat insurance. However, you will find many good reasons to buy new. For example: You are the first owner and you know exactly what you are getting. You will receive the best warranty. You can enjoy the latest in sailing technology. There is no need for repairs or a lot of maintenance and this means more time to go sailing. What is t ...


Don't Be Distracted While Driving

Written by on 3/7/2018 9:38 AM in , , , , , , . It has 0 Comments.

In today’s society it is becoming easier to be distracted while driving. Busy lifestyles mean we are always on the go and trying to manage our time can be difficult. There are times and places where this is acceptable. Operating a vehicle is not one of them! More and more we see drivers partaking in bad habits while driving. Distracted driving is a increasing issue. Not concentrating properly can cause you to make mistakes, miss your turn off, not see ahead and cause  fatal accidents. Some activities that contribute to distracted driving  include: Eating or drinking Texting Reading Personal grooming Reaching for an item Smoking Allowing pets on lap Changing songs/music Trying to calm an upset child/help them with something What can you do to avoid being distracted while driving? Be smart and aware! Stop to eat and drink or make sure you have had something before you go. Turn your phone off or on silent and don’t reach for it. There ...


What's your Deductible??

Written by on 2/27/2018 5:19 AM in , , , , , , , , . It has 0 Comments.

Deductible options are used in  both auto and home insurance. Many insurance companies have set deductible options. When choosing your collision and comprehensive deductible your insurance broker should advise what options are available. For example: $1000, $500, $250 and $100. The higher the deductible the lower the premium. Depending on the overall rating, increasing or decreasing the deductible may not change the premium by a large spread. In other cases it can alter the premium enough to make a difference. The same applies to home insurance. Due to rising claims, some companies have set minimum deductibles for collision, comprehensive and home insurance. Picking your deductible should be based not only on how it effects the cost of your policy but also what you can afford if you were to have a claim. If you want  a $1000 collison deductible in order to bring down your annual premium, you need to be able to pay $1000 out of pocket if you were to have an at fault collision claim. Check w ...


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