Want to get the best coverage possible for your client, plus shave time and back-and-forth off the application process? The golden rule of submissions is “the more information provided up front, the better”. Having underwritten for a range of markets over the years, South Western Insurance Group knows that submissions can be a tedious chore for brokers. Unfortunately, this chore is made more tedious when brokers submit applications with overlooked details, missing receipts, and skipped text boxes.

'Tis the season for organization-sponsored events at restaurants, clubs, bars, taverns, hotels, and pubs. And during this season of fun and festivities, commercial hosts have many reasons to be wary - especially where alcohol is made available.

Cleanup costs, natural resources and property damages, third-party injury, and civil penalties - a single storage tank spill can wreak havoc while incurring a mountain of costs for companies without pollution liability coverage. And since storage tank pollution liability is often excluded from standard commercial general liability, every business should consider pollution coverage for a complete risk management plan.

Construction projects are rarely neat and tidy. In fact, with long project timelines, plus the constant exposure to hazardous materials and environmental contaminants, construction projects are liability landmines. Among the major risks in the construction industry, pollution liability is a major one. It affects not only contractors but also the people and properties neighbouring the construction site.

There are over 86,000 registered charities in Canada. Since a vast number of these nonprofits operate on tight budgets, many of them end up spending the bulk of their resources on operations rather than risk management. But even with human rights laws in place, the directors and officers who serve ...

Court fees are climbing. A recent article from Insurance Business Magazine reported that close to 80 new court fees were introduced in Ontario earlier this year (1). This includes seemingly small increases that end up doubling the cost of certain legal services - a price many Canadian businesses ...