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Let's Stick Together

Let's Stick Together
As the country continues to follow the path of opening back up, some of us have started to adjust back into some of our old responsibilities and activities. With some of our customers possibly heading back to work or establishing a ‘new normal’ for themselves and their families, we wanted to reach out to remind you that if you have made changes to... your policies over the past few months it could impact your coverage if things have now changed again. To ensure our customers are sufficiently covered as their situations evolve, we wanted to make that if you made changes between March and mid-June they may need to be amended if they were related to the pandemic for example. Whether its changes to your mileage or temporarily removing a secondary vehicle in response to the lifestyle changes that the pandemic brought. For more information, contact one of our licensed experts today at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak4f58b9783e616ace1bbdbaaf1044e2ba').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy4f58b9783e616ace1bbdbaaf1044e2ba = 'better' + '@'; addy4f58b9783e616ace1bbdbaaf1044e2ba = addy4f58b9783e616ace1bbdbaaf1044e2ba + 'hubbardinsurance' + '.' + 'com'; var addy_text4f58b9783e616ace1bbdbaaf1044e2ba = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak4f58b9783e616ace1bbdbaaf1044e2ba').innerHTML += ''+addy_text4f58b9783e616ace1bbdbaaf1044e2ba+''; . More
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Virtual Care Is The New Norm

Virtual Care Is The New Norm
It may not have been a mainstream term in 2019, but the turn of the year has seen the popularization of Virtual Care. Aided by the pandemic, virtual care is quickly becoming the new normal and it is here to stay. So, what is virtual care? Virtual care encompasses any interaction between a patient and their healthcare provider done remotely. If thi...s seems rather broad, that’s because it is supposed to be. Though methods such as telehealth have been around for a long time, technology hasn’t allowed for the full integration of virtual care – until now. Now that virtual care is here, it is here to stay. A survey conducted by The Canadian Medical Association suggests that of all patients who have engaged in virtual care during the pandemic, 91% of them are happy with the care they have received. This is a staggering 17 points higher than in-person emergency room visits. In fact, virtual care has proved so popular since the turn of the year that 46% of patients now prefer virtual care to in-person care. Dr. Sandy Buchanan stated that “Physical distancing measures designed to keep Canadians safe during our fight against COVID-19 have led to the adoption of virtual care out of necessity”, adding that “We need to build on this momentum. Canadians should be able to access health care in a timely and convenient fashion.” All-in-all, the future for virtual care seems rather bright – with half of those involved in this survey believing that not only will virtual care positively impact the cost of healthcare, but also that it would improve access to specialists and the timeliness of test results. Virtual care is only as good as the technology around to implement it – which is why it has taken a long time for it to become noticed by the mainstream. However, in the modern day, technology advances exponentially and that is great news for all those involved in virtual care. As virtual care gains momentum, the insurance surrounding it is evolving as well. In fact, virtual care is becoming and increasingly important part of group employee benefit plans. If a company hasn’t revised their employee benefits in the past 12 months, now is the time to re-evaluate with an emphasis on virtual care. According to experts, the next steps are for the government to get involved and facilitate a pan-Canadian framework so that provinces an territories can help improve and expand virtual care. While this may seem like it’s some time away, it will undoubtedly become the norm quicker than we all expect. One day in the near future, going to see a doctor in-person may seem as old-school as sending a fax. We live in an increasingly virtual world and there is no reason to suggest that healthcare won’t go down the same path. If you want to learn more about virtual care and to see if you can get aboard this train before it leaves the station, call one of our experts today at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakaa2014bbb0a63c4145954691b2bfe679').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyaa2014bbb0a63c4145954691b2bfe679 = 'better' + '@'; addyaa2014bbb0a63c4145954691b2bfe679 = addyaa2014bbb0a63c4145954691b2bfe679 + 'hubbardinsurance' + '.' + 'com'; var addy_textaa2014bbb0a63c4145954691b2bfe679 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakaa2014bbb0a63c4145954691b2bfe679').innerHTML += ''+addy_textaa2014bbb0a63c4145954691b2bfe679+''; More
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4 Reasons You Need Directors & Officers Insurance

4 Reasons You Need Directors & Officers Insurance
Directors and officers play important roles in businesses across that country as they form the management team of a corporation. These are professionals who supervise important business affairs and are responsible for making decisions (Directors) as well as overseeing the daily aspects of the organization (Officers). As these professionals are cru...cial parts of corporate governance and decision-making, it is imperative to make sure there is a safety-net in case mistakes are made. This is where insurance comes in. As stated by Southwestern Insurance Group, “D&O Insurance provides coverage for defence costs and damages from wrongful acts allegations and lawsuits brought against an organization’s board of directors and/or officers. This includes negligence, omissions or misleading statements made by the directors and officers that result in a lawsuit being filed against the corporation.” Not convinced? Here are 4 more reasons.   Negligence & Breach of Contract Ultimately, the responsibility lies at the helm of the directors if there is a breach of corporate statutes dealing with income tax, environmental concerns, as well as other reasons. Moreover, the corporate world is a minefield of litigation and small print which leaves directors vulnerable to general laws of breach of contract and negligent misrepresentation as a result of their actions. Having D&O Insurance allows for the directors of an organization to be safeguarded against such fine margins.   Conflicts of Interest As mentioned above, Canadian corporate law requires extremely careful navigation to ensure that there is no malpractice. An example of this is the Canadian Business Corporations Act which requires directors to disclose any and all conflicts of interests between themselves and the boards that they serve. This can then mean that a director who has disclosed such a conflict may need to refrain from voting on matters that directly affect the interest in question. In fact, in some Canadian provinces, the laws are even stricter and prohibit directors in this situation from even attending meetings in which any of those interests may be discussed.   Duty of Care Duty of care perhaps is the simplest one to understand – under Canadian statutes, all directors must exhibit the care, diligence, and skill that a reasonable person would exercise in similar circumstances. In other words, duty of care laws exist to ensure that directors don’t go rogue. Moreover, it adds extra responsibility to the directors of a corporation to educate themselves and take the appropriate steps to make the best decisions they possibly can.   Fiduciary Duty Directors serve as the fiduciaries of the organizations that they serve. This means that they have to take into account the interests of the various shareholders when making decisions – as well as the interests that best serve the company. However, the interests of the corporation must always outweigh those of individual shareholders. This means that it is the responsibility of a director to disclose any significant information that has been sourced from others whilst also being obliged to maintain the confidentiality of a corporation’s sensitive information.   With D&O Insurance, directors and officers find themselves protected against the pitfalls of corporate law. Given D&O liability “pays on behalf of individual directors, officers, trustees, volunteers, employees, and members of any duly-constituted committee damages and expenses in the event they are sued in conjunction with the performance of their duties with the corporation.” This means that D&O Insurance doesn’t just protect the directors and officers, but it protects the organization as a whole. It pays out on behalf of the corporation and further provides full entity coverage. D&O Liability Insurance is an absolute must-have in the modern day so contact your Hubbard Insurance Advisor at 905-696-9090 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakdb92aaddd3751893d77625db52d5e214').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addydb92aaddd3751893d77625db52d5e214 = 'better' + '@'; addydb92aaddd3751893d77625db52d5e214 = addydb92aaddd3751893d77625db52d5e214 + 'hubbardinsurance' + '.' + 'com'; var addy_textdb92aaddd3751893d77625db52d5e214 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakdb92aaddd3751893d77625db52d5e214').innerHTML += ''+addy_textdb92aaddd3751893d77625db52d5e214+''; today to discuss which options are best suited for you and your organization. More
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5 Tips For Driving In A Storm

5 Tips For Driving In A Storm
What a summer this has been already. Severe heat warnings have become the norm and the only relief we may feel comes in the form of severe thunderstorm warnings. We touched upon how climate change has been affecting insurance in the past and it seems like a more relevant topic than ever before. At the time of writing this, there are once again sev...ere weather warnings in Ontario in the form of thunderstorms – so here are some ways to look after your car with the elementals being as volatile as they are.   Make Sure The View Is Unimpeded When the rain is lashing down on your windshield and the clouds make sun disappear, visibility can be a real issue. The last thing you would want with limited visibility is a dirty windshield or side mirrors that further debilitates your ability to see. Not only does this make driving more challenging, it also greatly increases the likelihood of being in an accident. Moreover, make sure that your headlights, taillights, emergency lights, and indicators are working in top condition. The tires should also be checked to ensure that they have the right amount of tread so that your car doesn’t end up in a ditch.   Do Not Use Your Brights While it is important to make sure that your headlights and taillights are turned on in a storm, it’s important to stay away from the full-blast of the brights. The high-beams on a car during a storm not only doesn’t help, but it makes visibility actively worse. This is because the light reflects off of wet surfaces and bounces back into the drivers eyes – all the while blinding those coming the other direction.   Take Your Time, Don’t Rush This really should go without saying but a surprising amount of drivers don’t alter their driving style based on the conditions that they are faced with. If you’re caught up in a storm, slow the car down. Driving in the rain in the same manner as driving on a sunny day is a sure-fire recipe for disaster. Take your time, don’t rush, and make smart decisions!   Watch Out For Deep Water A good rule to follow when driving in the rain is this: if the water is over 3 inches deep and covering the road markings, do not go for a drive. Studies show that once roads are covered in 3 inches of water, there is a greatly increased chance of losing control of the car and having a crash. On top of that, larger vehicles may drive past and push water underneath your car – something that can very easily stall the engine and cause a lot of unnecessary damage under the hood.   Just Stay Inside Ultimately, we’re still in the middle of a pandemic. While restrictions are slowly being lifted, we still need to be cautious and careful – staying inside and avoiding unnecessary trips is the way to go. Add onto this the added risk of a severe storm and it makes sense to keep the car in the garage for the next little while. Make sure to keep an eye on the weather forecasts and plan accordingly. Being as risk averse as possible is the best way to handle this!   To learn more about how you can keep your car safe, contact one of our licensed experts today at 905-696-9090 or send us an email at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloakbc7dc3b177973dc73098fb6b519e6bc8').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addybc7dc3b177973dc73098fb6b519e6bc8 = 'better' + '@'; addybc7dc3b177973dc73098fb6b519e6bc8 = addybc7dc3b177973dc73098fb6b519e6bc8 + 'hubbardinsurance' + '.' + 'com'; var addy_textbc7dc3b177973dc73098fb6b519e6bc8 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakbc7dc3b177973dc73098fb6b519e6bc8').innerHTML += ''+addy_textbc7dc3b177973dc73098fb6b519e6bc8+''; More
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Insurance Market Outlook 2020 - Mid-Year Update

Insurance Market Outlook 2020 - Mid-Year Update
One of our roles as your insurance advisor is to keep an eye on insurance industry trends and stay ahead of the curve as to the impact changes may have on our client partners. As every year, we did that in January … Right, and now it seems like we're in March 125th, 2020 or whatever the days amount to since the pandemic started. It’s time for a mi...d-year update First off, major kudos to the entire HIG team who we’ve never been prouder of. They pivoted literally over night to, not only working exclusively from home, but handling an immensely increased workload. There were no days off for them and I remain humbled by their efforts and diligence through this. The pandemic has had a huge impact on the insurance industry as whole in many ways. The ‘hard market’ insurance environment we spoke of over the past 12-18 months that has impacted virtually every type of insurance with increased costs, limited capacity and far tighter underwriting guidelines, has gotten more severe in the last 3 months. Insurance companies and re-insurers alike have narrowed their appetite, reduced their capacity to write business, and severely tightened underwriting guidelines more than ever before. Add to that multiple catastrophic weather related events (“50 year floods” are annual events now) and it’s not a good combination to say the very least. As insurance companies have widely communicated previously, property coverage requires there to be a direct physical loss or direct physical damage and that business interruption coverage will not be triggered for a loss caused by a virus or bacteria. One of things that has subsequently emerged out of the pandemic is Canadian insurers are making changes to their coverages that fall in line with the rest of the global insurance marketplace. Reinsurers globally are now requiring explicit virus and bacteria exclusions. As a result, we are seeing more companies adding a virus and bacterial exclusions to property policies, so we’ll be seeing more of that. Directors & Officers Liability is seeing one of the most severe swings in coverage availability and cost. Reality, restaurants, wind power & transportation sectors continue to be challenged. Increased disclosure & costs as well as coverage limitations continue in these areas. We held a “COVID-19 and Insurance” webinar which you can see here on our COVID-19 Page that is updated regularly with how insurance companies are responding and other general information. We’ve got a lot of resources available to us so if you have questions, let one of our advisors know or This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak87e879a11b32eacb7a15230c9ced1c0d').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy87e879a11b32eacb7a15230c9ced1c0d = 'better' + '@'; addy87e879a11b32eacb7a15230c9ced1c0d = addy87e879a11b32eacb7a15230c9ced1c0d + 'hubbardinsurance' + '.' + 'com'; var addy_text87e879a11b32eacb7a15230c9ced1c0d = 'simply email us';document.getElementById('cloak87e879a11b32eacb7a15230c9ced1c0d').innerHTML += ''+addy_text87e879a11b32eacb7a15230c9ced1c0d+''; . Our principal focus remains to advise our clients on the best road forward in regards to their insurance programme. Here’s to a healthier second half of 2020, from your Hubbard Insurance Group advisor team.     More
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