Mayor Karen Stintz & CEO Andew Clark Meet | ALIGNED

Karen Stintz

It Was A Pleasure To Meet Karen Stintz, Candidate For The Mayor Of Toronto Andrew Clark, President & CEO of ALIGNED Insurance, was quoted as saying “It was a pleasure to meet Karen Stintz, candidate for the Mayor of Toronto, and learn more about her plan and vision for Toronto. Her track record of fighting […]

Total Insurable Value (TIV) : What is it?

Total Insurable Value

Total Insurable Value (TIV): Click Here For A Property Insurance Quote or call us toll-free at 1-866-287-0448 Total insurable value is a property insurance term referring to the sum of the full replacement cost value of the insured’s covered property, business income values, and any other insured property.  Total insurable value is typically used in […]

Runoff Insurance: What Is It & Do We Need It?

Runoff Insurance: What Is It & Do We Need It? - ALIGNED Insurance Brokers

Enquiring minds want to know. What is runoff insurance & do we need it? Insurance insights. Since day one, we’ve taken pride in delivering useful information about Canadian insurance coverages to our business insurance clients across the country. We recognize how important it is for people to understand the specific risk exposures their commercial operations […]

Linda Jeffrey & Andrew Clark of ALIGNED Insurance

Linda Jeffrey

Linda Jeffrey and Andrew Clark of ALIGNED Insurance Andrew Clark, President & CEO of ALIGNED Insurance, had the privilege of meeting Linda Jeffrey at a recent campaign event.  Andrew was quoted as saying “It was a pleasure to meet Linda and great to see such a strong candidate and leader running for the Mayor of […]

Insurance Producer – ALIGNED is Hiring!

insurance producer

Position: Insurance Producer ALIGNED is actively looking for growth focused, entrepreneurial minded people who are interested in being part of a winning culture and rapidly growing team. Q: Every brokerage is looking for good Insurance Producers so why would I choose ALIGNED? A: Our Fee For Service / 0% Commission model is the cornerstone of […]

Securities Class Action Claims In Canada?

Securities Class Action Claims

Securities Class Action Claims: Securities class actions claims are defined as claims brought by a publicly held corporation’s shareholders alleging that actions by the firm’s directors and officers caused a loss in market value of the firm’s shares.  To date, 16 securities class action claims in the US have been settled for amounts in excess […]

Risk Management For Your Business

Risk Management For Your Business

Risk Management For Your Business Risk management is defined as the process of making and implementing decisions that will minimize the adverse effects of accidental business losses on an organization. Making these decisions involves a sequence of 5 steps: Identifying and analyzing exposures to loss, Examining feasible alternative risk mgmt techniques to handle exposures, Selecting the […]

Quantitative vs. Qualitative Claim Auditing…which is better?

Quantitative vs Qualitative

Qualitative Claim Auditing Def: The comprehensive review of claims files seeks to discover whether the claims are being appropriately managed. Some of the criteria used to measure the quality of the claim handling being delivered include experience and skill level of the adjusters and effectiveness of the internal communications system. Quantitative vs. Qualitative Claim Auditing […]

Employment Practices – Risk Management Update

employment practices

Employment Practices -Risk Management Update The risk of litigation from current or former employees is an exposure that comes with operating a business and having staff. In recent posts we have advised how employment law is constantly evolving and becoming more complex. There are many reasons for this including new legislation, changing demographics, increasing diversity of […]

Package Policy: Is The ALIGNED Term Of The Day

Package Policy, commercial general liability, commercial property, CGL , errors & omissions, E&O, D&O, directors & officers, insurance package policy

Click Here For An Insurance Quote or Call us toll free at 1-866-287-0448 What is a Package Policy? A package policy is a combination policy providing several different type of insurance products.  An insurance package policy usually refers to a policy providing both general liability insurance and property insurance. Premium discounts are usually applied to a package […]

Representations and Warranties Insurance Q&A

Representations and Warranties Insurance

Representations and Warranties Insurance Q&A Q: What is Representations and Warranties Insurance? A: Inaccuracies in representations and warranties made by the seller or the target company in connection with a merger or acquisition can result in costly liabilities. Without representations and warranties insurance buyers can be left without the ability to recover losses and sellers […]

Boiler And Machinery Insurance 101

boiler and machinery

The Boiler And Machinery Insurance Definition Of The Day Is: Object The object is Boiler And Machinery Insurance Definition Of The Day: Definition: Object is A boiler and machinery (B&M) or machinery/equipment breakdown insurance term for equipment or machinery. Boiler and machinery (B&M) or machinery/equipment breakdown insurance coverage applies to loss or damage resulting from […]

Named Perils Coverage Explained

Named Perils Coverage

Named Perils Coverage Explained: Named Perils Coverage is a property insurance term referring to policies that provide coverage only for loss caused by the perils specifically listed. Named Perils Coverage contrasts with all risks coverage, which applies to loss from all causes not specifically excluded. About ALIGNED Insurance ALIGNED is a premiere insurance brokerage that was exclusively […]

Malpractice: Is The ALIGNED Insurance Term Of The Day

malpractice

Malpractice def: Malpractice is a professional error, omission, or act of negligence in performing a professional act. Malpractice is also, a term used to denote the type of professional liability insurance coverage written to cover physicians, surgeons, accountants, lawyers, architects, and engineers, among others. Malpratice Insurance Explained Professional liability insurance or malpractice insurance is a […]

Does Your Organization Have A Respectful Workplace Policy?

Does Your Organization Have A Respectful Workplace Policy?

Does Your Organization Have A Respectful Workplace Policy? In his article entitled Protect your employees and your business with a respectful workplace policy, Matthew Both, of  Davis LLP, encourages developing a formal respectful workplace policy to help avoid or limit potential liability from employee claims.  Having a respectful workplace policy is an excellent risk management recommendation and a respectful workplace policy […]