ALIGNMENT Matters Issue 17
Ever wonder why insurance never goes on sale? ALIGNMENT Matters issue 17 – In contrast to pretty much every other product or service, insurance never goes on sale and understanding why matters… The reality is insurance pricing models aren’t rooted in traditional factors like supply and demand. Insurance pricing is built on complex actuarial models that incorporate huge amounts of […]
Hotel Insurance Coverage Info | ALIGNED Insurance
Hotel Insurance Policy Hospitality def: refers to the relationship between a guest and a host, wherein the host receives the guest with goodwill, including the reception and entertainment of guests, visitors, or strangers. Source: Wikipedia Who Needs Hotel Insurance? Any type of establishment that provides lodging for guests on a short term basis needs hotel insurance. The […]
Vacant Properties Insurance Coverage Explained
Vacant Properties Insurance Coverage Explained Securing insurance for a short or long term vacant building can be difficult, expensive and complex. Thankfully ALIGNED Insurance brokers have experience and expertise in handling these types of placements and can present a number of options for consideration for all sorts of vacant properties that require insurance. Vacant Properties […]
SME Insurance Explained
SME Insurance Explained Why You Need SME Insurance If you run a small (1-99 employees) to medium (100-499 employees) sized enterprise (SME), you are driving the Canadian economy. In fact, according to Government of Canada statistics, “In all industries, at least 70 percent of the workforce is employed by small and medium-sized businesses.”1 While SME’s are […]
Fleet vs. Individually Rated Commercial Auto
Fleet vs. Individually Rated Commercial Auto (IRCA) Insurance? People often ask what’s the difference between fleet vs. individually rated commercial auto(IRCA) insurance? The simple answer is that there are 2 categories of insurance for vehicles registered in a company name: 1. Fleet 2. Individually Rated Commercial Auto (IRCA) Fleet Insurance Explained: Fleet insurance is typically defined […]
Drone Insurance Overview
Drone Insurance Overview- Who Needs Drone Insurance? A drone insurance overview is needed as insuring a drone is can be complex and confusing process for some. Drones, or Unmanned Aerial Vehicles (UAV), have a diverse range of commercial applications. They are actively being used in many industries including: Law Enforcement Real Estate Agriculture Photography/Videography Research […]
Andrew Clark On Guelph Chamber of Commerce Board of Director
Guelph Chamber of Commerce Board of Directors Elects CEO Andrew Clark Across Canada, the ALIGNED Insurance team is pleased to congratulate President and CEO Andrew Clark on being elected to the Guelph Chamber of Commerce Board of Directors. Andrew was elected amongst a group of 13 candidates to serve on the 16-member board. “The Guelph Chamber is – first and […]
Family Office Insurance Coverage Explained
Family Office Insurance Coverage Explained Family office insurance coverage is needed as family office risks are significant. Thankfully there are a few specialized family office insurance coverage products in the marketplace that ALIGNED Insurance brokers can craft to help manage Canadian family office risks. Family office insurance is often a flexible package of coverages that […]
Debris Removal Insurance Coverage Explained
What is debris removal insurance? Debris removal insurance is a common extension included in many property policies which provides coverage for the expenses to remove debris of covered property damaged or destroyed by covered loss from insured premises. The amount of coverage automatically included varies among insurers. Some policies include debris removal within the limit […]
ALIGNED Insurance – 2016 Insurance Business Awards Finalist
2016 Insurance Business Awards Finalist – ALIGNED On behalf of the ALIGNED Insurance team across Canada, President and CEO Andrew Clark is pleased to share the news that the organization has been recognized as a finalist for the first annual Insurance Business Awards. The April Canada Award for the Best Brokerage Over 10 People recognizes ALIGNED Insurance as one of Canada’s leading […]
CEO Andrew Clark – YIP 2016 Young Insurance Professional Finalist
CEO Andrew Clark – YIP 2016 Young Insurance Professional Finalist Across Canada, the ALIGNED Insurance team is pleased to congratulate President and CEO Andrew Clarkon being recognized by the Young Insurance Professionals of Toronto (YIPT) as a finalist for the 2016 Young Insurance Professional of the Year award. This year, “20 professionals were put forward due to their outstanding performance and contributions to the insurance industry.”1 […]
The Benefits To Having Your Own Cargo Insurance Program
Benefits To Having Your Own Cargo Insurance Explained The Benefits To Having Your Own Cargo Insurance are both financial and administrative and after reviewing the below we’d encourage you to connect with an ALIGNED Advocate to learn more. What is Cargo Insurance? Cargo insurance provides protection against all risks during shipping, whether by land, sea or […]
Snow Removal Insurance Coverage Explained
Snow Removal Insurance Coverage Explained Snow removal insurance has always been a tough class of business for Canadian insurers given the frequency of slip and falls that tend to plague companies in the snow removal business. In addition, to property managers and landlords often transferring all legal responsibility for slips & falls to snow […]
Who Is Covered Under A Commercial General Liability Policy?
Who Is Insured Under A Commercial General Liability Policy? A Commercial General Liability policy is provided for business organizations to protect them against liability claims for bodily injury (BI) and property damage (PD) arising out of premises, operations, products, and completed operations; and advertising and personal injury (PI) liability. Commercial general liability Insurance is one of the most […]
ALIGNMENT Matters Issue 16
Cyber Attack: Is Your SME Ready? ALIGNMENT Matters issue 16 – On a recent Friday afternoon, a massive cyber attack caused productivity slowdowns across North America. You likely noticed that many services including social media tools and online payment services were inaccessible. Multiple denial-of-service (DoS) attacks effectively caused the internet and many related services to crash. The potential vulnerability we […]