Posts Tagged ' liability'

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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 ...


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 ...


The Importance of Wearing a Lifejacket

Written by on 6/14/2018 3:41 AM in , , , , , , , . It has 0 Comments.

With summer just around the corner, many Canadians are dreaming of fun-filled days out on the water with family and friends. While boating is a great activity for people of all ages – it also comes with serious risks. Wearing a life jacket is a simple yet extremely important way to keep you and your family safe. Wearing a life jacket is important because: 1.      They save lives 2.      They help turn an unconscious person in a face-up position in the water 3.      Boating accidents can occur to even the most experienced boat drivers and crew 4.      Boating accidents occur during any type of weather 5.      Adults are just as likely as children to drown 6.      Being intoxicated or having alcohol in your system affects your swimming ability 7.      They help prevent hypothermia It is important to stay educated on the ...


Contents and Tenants Insurance...Why it's something you need!!

Written by on 2/21/2018 5:45 AM in , , , , , , . It has 0 Comments.

On a regular basis people are obtaining coverage for their vehicles. People are required to put collision and comprehensive if they have a loan for their vehicle, others choose to protect their investment even when not required. Meanwhile so many people are refusing to protect their belongings. Contents, also known as tenants insurance can help! Regularly we hear, "I don't need contents insurance, I'm not worried about something happening." The unfortunate fact is - losses happen all the time. Fire, smoke damage, thefts are a few of the common claims that happen to renters. You cannot always control claims from happening especially when you live in a rented home or apartment. We also hear, "I don't need contents insurance I don't have many belongings." A lot of renters do not understand the worth of their contents. The truth is most people only think about the big things - television, couch, chair & computer. There are so many items to consider. A broker should remind you of the things you don't thi ...


Is Your Wood Burning Unit Installed Correctly?

Written by on 1/29/2018 9:09 AM in , , , , , , , . It has 0 Comments.

Does your insurance company require you to have your wood device installed or inspected by a WETT professional? WETT, which stands for Wood Energy Technology Transfer, is a non-profit training and education association managed by a volunteer Board of Directors elected by holders of valid WETT certificates. In order to become WETT certified, one must take various courses and training sessions and pass with the required grade. A WETT certified professional can verify that your unit is installed to the required specifications, minimize danger, advise and correct any changes that may be required and fulfill insurance company requirements. Would you like to ensure that your wood device is installed properly? Even if your insurance does not require a WETT inspection, you should have it completed for your own safety! They will inspect wood burning devices to ensure they are installed correctly and they are functioning properly. Incorrect installations and broken/worn out parts can cause house fires and carbon mo ...


Winter Driving Tips

Written by on 1/3/2018 7:35 AM in , , , , , , , , . It has 0 Comments.

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

Written by on 8/8/2017 5:54 AM in , , , , , , , . It has 0 Comments.

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.  ...


8 Ways to Stay Safe on the Water

Written by on 7/18/2017 5:05 AM in , , , , , . It has 0 Comments.

Atlantic Canada is a great place to go boating. There is so much to do and so many fun activities, especially in the warm and lovely weather. However, the unexpected can happen on the water and this can present special hazards that you will not face on land. Here are 8 helpful tips to keep you and your family safe while you are having fun with your boat. 1. Wear Your Lifejacket It may look daring and cool to speed through the water without wearing a life jacket or flotation device, but it is not smart. Maybe you think you are a great swimmer and you won’t need a life jacket if you are suddenly thrown into the water. However, you never know what can happen. Suppose the boat capsized and you were struck in the head? What would happen if your legs were seriously injured in an accident? It only takes a few minutes to drown, and if you have a life jacket on, it can make the difference between life and death. 2. Have an Emergency Plan What would happen if you faced a sudden storm or the boat tipped over? ...


Do I Really Need Liability Insurance for my Pleasure Boat?

Written by on 6/8/2017 7:30 AM in , , , , , . It has 0 Comments.

Do I Really Need Liability Insurance for my Pleasure Boat? It’s not a big boat and it didn’t cost a ton of money.  I only plan to take it on the water a few times this year, so why should I have to worry about any kind of boat insurance? After all, what could possibly happen while I’m taking a short cruise or fishing? This is a common sentiment among many people that plan to take small trips this year.  However, the truth is,  boat insurance is very important and without it, you could be in some serious trouble.  What is Boating Liability Insurance?  There are two main components of liability coverage.  Both of these coverages provide valuable protection and they come as a package in Canada.  Property Damage Liability Property damage liability covers damage that you might accidentally inflict on other people’s boats or property.  For example, suppose you were out boating and a collision occurred.  True, this is a rare instance, but it ...