SWG CGL: Excess & Umbrella Explained

Jun 2021

The difference between Excess and Umbrella can be a bit confusing. Both are applied in circumstances where the underlying limits of a policy have been reached. Though often used interchangeably, they are not the same. Let's look at how to differentiate the two:


Insuring IT Consultants? Here’s What You Need to Know

Jun 2021

Technology Consultants, also known as IT, ICT, or digital consultants, help businesses with the development and application of Information Technology (IT). An IT Consultant works on large transformational projects as opposed to in-house IT upkeep, evaluating an existing process or processes and solving problems, implementing new strategies, and permanently improving their client's business going forward.


SWG PROPERTY: Rooming Houses

Jun 2021

Securing an affordable rental in major cities like Toronto is getting more difficult. According to recent reporting on Rental.ca, monthly rent averages between $1,500 and $2,500 depending on the property type. (1)


SWG ENVIRO: Changes to the CCDC 2 Stipulated Price Contract in December 2020 requires contractors to hold pollution liability insurance

May 2021

The Canadian Construction Documents Committee (CCDC) is a national joint committee responsible for the development, production, and review of standard Canadian construction contracts, forms, and guides.


Summer’s Here! Check up on Your Client’s Watercraft Coverage

May 2021

Which leisure and lifestyle industry has been booming among Canadian families this past year? If you guessed the boating industry, you’re right. According to a recent spending report by Moneris, Canadians spent more on outdoor recreation compared to last year across Alberta, Ontario, and the country as a whole:


Updates to the Pesticide Act and What They Mean for Pollution Liability

May 2021

Brokers providing Pollution Liability to their clients may need to revisit their policies now that the Ministry of Environment has made a new law under the Pesticides Act.