Sole Proprietorship Liability Insurance: Why Working Alone Does Not Remove Business Risk

Many sole proprietors assume a small business has little need for liability insurance because it has no employees. A customer injury, property damage allegation or service error can still create a costly dispute. Sole proprietorship liability insurance deserves a careful review before you rely on it. The following checklist explains the practical questions to raise […]

Many condo owners assume their monthly fees buy insurance for everything inside the unit. The corporation’s policy and the owner’s policy serve different roles that need to be reviewed together. Ontario condo insurance deserves a careful review before you rely on it. The following checklist explains the practical questions to raise with your insurance representative. […]

Many travellers assume their personal auto policy or credit card covers every rental expense. The protections can address different losses and contain restrictions that matter before the keys are handed over. Separate Liability and Damage to the Rental Ask what liability protection accompanies the rental and what covers physical damage to the rented vehicle. A […]

Many owners compare business quotes using only the premium and a broad industry label. Missing operations, property or contract details can make the quotes cover different risks. Small business insurance quote deserves a careful review before you rely on it. The following checklist explains the practical questions to raise with your insurance representative. Describe Operations […]

Buying a recreational vehicle is a significant investment, but many owners focus only on the purchase price and overlook the importance of recreational vehicle coverage. A collision, theft, severe storm, or liability claim can lead to expensive repairs or legal costs. The right recreational vehicle insurance coverage helps protect both your RV and your financial […]

Many restaurant owners assume that having business insurance means everything inside their restaurant is protected. That assumption can become expensive when a refrigerator breaks down, a customer makes a food-related illness claim, or a kitchen fire forces the business to close. Restaurant insurance can help protect your business against covered property damage, liability claims and […]

Many businesses concentrate on reopening after a loss and overlook the records needed to support a claim. Property damage, lost income and emergency expenses can require different evidence. Business insurance claim deserves a careful review before you rely on it. The following checklist explains the practical questions to raise with your insurance representative. Report and […]

You hear it on the news — A product is being recalled due to contamination, a manufacturing defect or a safety hazard. How would your business protect itself from the financial losses and reputational damage of such an event? No business is immune to the risk of a product recall. Even companies with outstanding safety […]

Many homeowners focus on the premium and leave their coverage questions until a claim. A short conversation before buying can reveal exclusions, deductibles and conditions that change the policy’s value. Ask What Is Actually Insured Request separate limits for the dwelling, contents, detached structures, liability and additional living expenses. Ask which people and addresses the […]

Many drivers assume permission is the only insurance question when borrowing a car. Permission matters, but licensing, driver exclusions, regular use and the vehicle’s coverage also need attention. Check the Vehicle’s Policy Ask the owner to confirm that the car is insured and that your intended use is acceptable. Do not assume your own insurance […]