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Why Pandemic Pods Aren't The Answer

Why Pandemic Pods Aren't The Answer
With the country slowly returning back to normal, schools are beginning to open up; however, this news isn’t welcomed by all sections of the population. Parents who fear for the safety of their kids in schools have decided to set up “Pandemic Pods” – environments to homeschool small groups of children. The issue is, though, that this is not safe. ...If a parent decides to turn their home into a Pandemic Pod, and someone in that pod contracts COVID-19, then that leaves the homeowners open to being sued as a typical homeowners policy does not cover that liability. Kate Dangerfield of Global News reported that a Pandemic Pod “involves inviting a small group of children – a pod – into the house to learn together.” (Canadian Underwriter) She further states that “The parents, on rotation, can educate the children, or they can pool together funds to hire a tutor or teacher.” Groups have been popping up all over Facebook to promote this initiative – with one such group called Learning Pods Ontario Facebook being established to “to find like-minded families who may not be comfortable sending their children to school and are looking for other options.” (Canadian Underwriter, Global News) A typical homeowners policy has specific exclusions for the transmission of any communicable disease – with many now suggesting that COVID-19 would fall under this category. In fact, the World Health Organization is also promoting a risk-based approach on any gatherings inside a household. In a recent Q&A hosted by the WHO, they stated that “Any decision to hold an event during the COVID-19 pandemic, no matter how large or small, should rely on a risk-based approach”, further adding that “This Q&A is focused on small, non-professional gatherings and events (i.e. birthday parties, children’s football games, family occasions). Precautions to consider include actions to prevent transmission between people, and where to hold the venue, and how it can be modified to make a safer environment. Canceling a planned event is an option that should always be considered, especially in case of non-essential events or when precautions cannot be implemented or adequately communicated.” Ultimately, though some parents may believe that creating a Pandemic Pod is the safer option, all data suggests that it is not. Not only does it leave children and adults exposed to the virus, but it also exposes house owners to legal risks. To learn more about how to handle your homeowners insurance in the coming months, 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('cloak336aa5c2156317a185ec4ec1e37fcfe9').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy336aa5c2156317a185ec4ec1e37fcfe9 = 'better' + '@'; addy336aa5c2156317a185ec4ec1e37fcfe9 = addy336aa5c2156317a185ec4ec1e37fcfe9 + 'hubbardinsurance' + '.' + 'com'; var addy_text336aa5c2156317a185ec4ec1e37fcfe9 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak336aa5c2156317a185ec4ec1e37fcfe9').innerHTML += ''+addy_text336aa5c2156317a185ec4ec1e37fcfe9+'';   More
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Virtual Care - The New Norm, Part 2

Virtual Care - The New Norm, Part 2
We recently brought to light the introduction of virtual care into the mainstream of the healthcare world. While that piece served as more of a summary for those unfamiliar with virtual care, it is now time to go more in-depth. The International Foundation of Employee Benefits Plans recently conducted a survey and the findings were quite spectacul...ar. Even though a third of the surveyed employers stated that they offered telehealth and/or telemedicine prior to the pandemic, an additional 19% stated that they added it during the pandemic. Moreover, a further 17% have stated that the prospect of virtual care is in strong consideration. This has had a further impact on group employee benefits plans as, according to this survey, 9% of employers have eliminated cost-sharing for virtual care services and a further 9% are currently considering following suit. One of the major aspects of this pandemic has been a focus on mental health as people remain quarantined and in isolation for extended periods of time. This has been reflected in current industry trends as 28% of employers have added elements to their current mental-health benefits plans while another 24% are considering the same. Virtual care has been front-and-centre of mental-health benefits plans as 10% of employers have added virtual mental-health elements to their existing structures with 15% on the verge of doing the same. The pharmaceutical industry is feelings the effects of these changes as well. According to this survey, employers are reducing barriers to prescription drug access – with 25% of respondents saying that they have waived prescription drug premiums for members; albeit temporarily. Julie Stitch, the vice-president of the International Foundation of Employee Benefits, stated that “Employers across Canada have made changes to their plans to adapt to the new reality,” further adding that “We’re seeing employers make decisions to ensure not only the health and well-being of their workforce but also the financial stability and long-term success of their organization.” One thing is for certain, virtual care will play a significant role in employee benefits plans going forward. If you are part of an organization that is unaware or unsure of implementing virtual care in your plans, now is the time to act. Contact one of our licensed brokers 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('cloak9c11995cb048075019c5697a73b975ff').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy9c11995cb048075019c5697a73b975ff = 'better' + '@'; addy9c11995cb048075019c5697a73b975ff = addy9c11995cb048075019c5697a73b975ff + 'hubbardinsurance' + '.' + 'com'; var addy_text9c11995cb048075019c5697a73b975ff = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak9c11995cb048075019c5697a73b975ff').innerHTML += ''+addy_text9c11995cb048075019c5697a73b975ff+''; to discuss your virtual care options. More
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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('cloak911eb9c0eee63792b32284eb38ca7cb7').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy911eb9c0eee63792b32284eb38ca7cb7 = 'better' + '@'; addy911eb9c0eee63792b32284eb38ca7cb7 = addy911eb9c0eee63792b32284eb38ca7cb7 + 'hubbardinsurance' + '.' + 'com'; var addy_text911eb9c0eee63792b32284eb38ca7cb7 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak911eb9c0eee63792b32284eb38ca7cb7').innerHTML += ''+addy_text911eb9c0eee63792b32284eb38ca7cb7+''; . 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('cloakec836e693eefb9b8f288946cb62fd895').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addyec836e693eefb9b8f288946cb62fd895 = 'better' + '@'; addyec836e693eefb9b8f288946cb62fd895 = addyec836e693eefb9b8f288946cb62fd895 + 'hubbardinsurance' + '.' + 'com'; var addy_textec836e693eefb9b8f288946cb62fd895 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloakec836e693eefb9b8f288946cb62fd895').innerHTML += ''+addy_textec836e693eefb9b8f288946cb62fd895+''; 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('cloak5c65de17002b0b68e23397732d808562').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy5c65de17002b0b68e23397732d808562 = 'better' + '@'; addy5c65de17002b0b68e23397732d808562 = addy5c65de17002b0b68e23397732d808562 + 'hubbardinsurance' + '.' + 'com'; var addy_text5c65de17002b0b68e23397732d808562 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak5c65de17002b0b68e23397732d808562').innerHTML += ''+addy_text5c65de17002b0b68e23397732d808562+''; today to discuss which options are best suited for you and your organization. More
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