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Surge In Demand For Delivery Drivers

Surge In Demand For Delivery Drivers
Frontline workers represent the best of us right now – the medical professionals putting themselves at risk every day to ensure our safety, the service industry workers working tirelessly to keep everyone fed, and the delivery drivers who make sure we can get our food without exposing ourselves to the virus. This in turn has resulted in a demand f...or delivery drivers. Some may think they have auto insurance in place and therefore can jump right in and start deliveries BUT do they have the right insurance coverage? Are they protected? According to Pete Karageorgos, the director of consumer industry relations at the Insurance Bureau of Canada (IBC), there are a few things to take into consideration. He states that “Anytime you’re using your vehicle for a business purpose, anytime you’re turning your car from a private passenger vehicle into a commercial, money-making enterprise … that use needs to be noted by your insurance company so they are aware of your changing risk.” Using your vehicle for deliveries turns it’s use into “business use” and you must advise your insurance company to ensure you have the proper coverage in place to protect you and others in case of an accident or claim. With the government forcing restaurants to restrict business to take-out and delivery services only, the demands for delivery drivers is expected to surge. Major corporations such as Walmart Canada and Dominos have stated they will be mass hiring delivery workers . s some people lose income because of this pandemic, many will turn to delivery as a means of getting by- but it isn’t as simple as just using your care to deliver goods. The IBC have made it clear to their customers that they need to let their insurance companies and brokers know if they are planning on pursuing work in delivery. If adjustments aren’t made to policies that do not account for these changes, it could leave delivery drivers at increased risks for not being able to access claim payments if something was to go wrong. Pete Karageorgos adds that “insurance is based on the principle of utmost good faith and that requires the client, the insured, to notify their insurer of any changes to their driving habits [and] to their risk factors,” and that “It’s up to insurance professionals to educate people and advise them of why it’s necessary to call in the change — and to outline the possible repercussions if that doesn’t happen and there’s a claim.” On the plus side, if your policy already covers deliveries, then a surge in demand for deliveries is highly unlikely to cause an increase in premiums at this time. To understand what your policy covers during this time, reach out to our expert brokers by emailing us at This email address is being protected from spambots. You need JavaScript enabled to view it. document.getElementById('cloak79545123e5f8f6b64ece47bb37d19563').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy79545123e5f8f6b64ece47bb37d19563 = 'better' + '@'; addy79545123e5f8f6b64ece47bb37d19563 = addy79545123e5f8f6b64ece47bb37d19563 + 'hubbardinsurance' + '.' + 'com'; var addy_text79545123e5f8f6b64ece47bb37d19563 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak79545123e5f8f6b64ece47bb37d19563').innerHTML += ''+addy_text79545123e5f8f6b64ece47bb37d19563+''; or calling 905-696-9090.     Source: Canadian Underwriter More
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The Best 5 Tips For Working From Home

The Best 5 Tips For Working From Home
With the aggressive spread of COVID-19 throughout the world, strict social-distancing and self-isolation techniques are being employed by people around the globe. For many, this has meant a major shift in their work environments – as working from home is fast-becoming the main solution as companies work to battle the spread of the virus. However, ...working from home isn’t as simple as it sounds. The rhythm and flow of an average workday is completely railroaded by the distractions of a home. Furthermore, finding motivation and entering the work-mindset can be difficult when the working environment has changed so drastically. To make working from home a more productive endeavour, follow these 5 rules.   Dedicated Location While working from your bed in pyjamas sounds brilliant in theory, it simply does not work in practice. Areas in the house that we associate with a relaxed frame of mind make it a challenge to be motivated and productive. Instead, the best move is to dedicate a certain area as the working area – and to associate it entirely with productivity and getting work done. This helps with staying on task and fighting off the distractions that come with working from home.   Finding A Friend An extremely underrated aspect of staying productive and motivated is to have positive social interactions in the work environment. Chatting with coworkers can be the perfect combination of taking a short break to reset and adding a dose of mental stimulation that can help make the rest of the day successful. Whilst this becomes more challenging when working from home, it has never been easier than it is today to connect with people digitally. Now this doesn’t mean spend all day on the phone with a friend, but experts suggest that reaching out to a colleague when feeling the need to speak to someone can greatly improve productivity and mood.   Create A Plan Anyone who has worked from home will know that getting distracted is the easiest thing in the world. You set out to complete a task, lose focus halfway through because you checked your phone, and now it’s 3 hours later. Recreating a strict 9-5 workday at home doesn’t work for many. Instead, experts encourage those working from home to create more structured daily schedules that allow for bursts of productivity. This means taking breaks more frequently than you would at the office – but taking these breaks with the prospect of becoming more productive once the break is over. Physical activities such as playing with your pet and going for long walks have proven to help people become more focused and finish their tasks on hand.   Communication For many, in-person communication is a critical part of doing their jobs to the best of their ability. The personal element is lost once that communication moves towards email correspondence and other text-based forms of interaction. In a time such as this, experts strongly suggest utilizing applications such as Zoom and Teams for videoconferencing purposes – with the added face-to-face functionality doing wonders for productivity. Within those apps, tools such as screen-sharing can help focus meetings into more meaningful avenues as everyone can stay on the same page and bounce around ideas. Moreover, throwing lunch parties through these applications has become a trend that experts are encouraging. Anecdotal evidence suggests that offices which throw digital pizza parties once a week have increased team cohesion which leads to a more effective work-from-home environment.   We Are All Different Ultimately, different things will work for different people. While to some the idea of working from home is wonderful, it can be incredibly stressful for others and that is something we all need to be mindful of. Experts are recommending that Managers reach out to their employees and be proactive in combatting the struggles that some may be having with this shift. While the changes from office-based to home-based employment will not be permanent, it is still imperative to make the best of this situation. Staying healthy in general will lead to an overall better experience during this time.     More
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Top 5 Ways To Stay Healthy During The COVID-19 Outbreak

Top 5 Ways To Stay Healthy During The COVID-19 Outbreak
Staying healthy is usually pretty simple – it all comes down to the basic fundamentals of a balanced diet, exercise, positive social interactions, and getting a good amount of sleep. However, with the vast majority of people self-isolating due to the pandemic, it’s all becoming a bit tricky! So how does one stay mentally and physically healthy du...ring a time such as this? Here are the top five things to consider.   Nutrition Since many are stocking up with non-perishable food items, maintaining a healthy diet can be quite difficult. Canned foods tend to be loaded with sodium, fat, and preservatives that can cause damage to the digestive system if consumed in excess. Cameron Byker Shanks, an associate professor of food, nutrition, and sustainable food systems suggests that now is in fact a good time to purchase fresh produce. “Buy those fruits and vegetables, cut them up and put them in your freezer, because they can be used for months to come” she stated. While most people seem to be going for grains, flour, and canned foods, now is an opportune time to stock up on fresh food items and make use of your freezer. It is important to have a plan going into a grocery store in order to avoid impulse purchases and panic-buying unnecessary items. Moreover, having a set meal plan will also help prevent boredom and stress-eating – two things that become increasingly common in self-isolation.   Fitness Going to the gym right now is simply not possible and that is negatively impacting a lot of people. However, this does not mean that you can’t do any exercise at all. It is crucial in these times to get up and moving when possible – not just for your physical health, but for mental health as well. Though gyms are closed, going for a walk or a bike ride is still a viable option – as long as you maintain a safe, six-foot distance between yourself and other people. On top of this, if you do go for a walk or bike ride, make sure to thoroughly wash your hands before leaving and after returning. Moreover, there are many different exercises that can be done in the comfort of your own home! Body-weight exercises such as push-ups, sit-ups, crunches, burpees, and planks can make-up a complete workout without needing any extra equipment. It is also important to note that exercise is not limited to gym-like workouts. Physical activities such as walking, gardening, and cleaning have all been shown to improve overall health.   Sleep Stress and anxiety can become real issues for those who are self-isolating and that can lead to terrible sleep patterns and quality – which, in turn, causes more anxiety and stress. Activities such as yoga and meditation are excellent for managing stress and anxiety – leading to better, healthier sleep as well as a positive state of mind. Creating technology and stimulus-free spaces in the house has also shown to benefit mental health by helping the mind reset and remain calm. Jamie Gold, a wellness design consultant, states that “over-exposure to news, over-exposure to chaos, creates a lot of anxiety.” She further suggests that “if you can create a quiet space to reflect, to journal, it helps to calm you.” It is important to balance this alone, quiet time with positive social interactions to combat the anxieties of isolation and feelings of loneliness that can compound declining mental health levels. With all of us interconnected through technology, it has never been easier to maintain these interactions without leaving the house.   Cleaning Time for a little bit of science. COVID-19, or the Coronavirus, isn’t a strain on its own. In fact, there is another virus called SARS-Cov-2 that causes the Coronavirus – and research suggests that this original virus can live on in plastic and stainless-steel surfaces for up to 72 hours. While surface contamination is not presently the main way this virus is spreading, it is still vital to keep all surfaces clean – using household cleaners to wipe down commonly used surfaces such as doorknobs, railings, and faucets. Experts suggest that, unless someone is sick in the household, obsessive cleaning is not necessary – but that does not mean a higher level of care should not go into daily cleaning. This along with washing your hands frequently will help prevent the spread of this virus. As a bonus, cleaning counts as a workout so you’re taking care of two birds with one stone!   Health Care Health care experts urge everyone to postpone all non-essential visits to clinics and hospitals – as the likelihood of contacting the virus increases exponentially in spaces where multiple people are sick. An alternative to important pre-scheduled appointments, according to experts, is telemedicine. This does not mean that health care should not be sought during this time – those who need help should seek it. However, if you are showing symptoms of COVID-19 or fear you may have contracted the virus, it is imperative to call your doctor or hospital prior to making a visit. Doing this allows for doctors to set containment procedures that will help make sure that you don’t infect someone else.   As always in such a time, staying calm is the name of the game. Panic-buying and hoarding resources hurts the populous as a whole and worsens the hysteria surrounding the virus. Stay level-headed, follow proper procedure, and we will all come out of this on the other side without too much damage. More
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COVID-19 – What You Need To Know

COVID-19 – What You Need To Know
As of March 16, there are 177 confirmed cases of COVID-10 in Ontario alone – with numbers steadily rising throughout the country. This has led to an increase in panic amongst the populous with some engaging in panic-buying and even more self-isolating. With all kinds of misinformation out there, what are the facts? How dangerous is it? What do you... really need to know? First and foremost, self-isolation is the name of the game. PM Trudeau on Monday, March 16 urged all Canadians to stay indoors whenever possible so as to combat the spread of the virus. It is important to note that this is a preventative measure – COVID-19 is still in its infancy in Canada and it will become incredibly difficult to manage the situation if this virus is allowed to spread exponentially like it has throughout Europe. There are many mixed opinions on how dangerous this virus is – but the scientific facts are clear for all to see. As long as an individual is not immuno-compromised, they are not at-risk of anything fatal due to this virus. However, measures such a self-isolation are in-place not for those who are healthy – but rather so the relatively healthy amongst us do not infect someone whose immune system cannot handle this virus. Symptoms of COVID-19 are not unlike a bad flu – with fevers, chills, shortness of breath, coughing, and body aches comprising the majority of the infection. However, asymptomatic cases are becoming increasingly prevalent – so just because you aren’t experiencing the listed symptoms, that does not mean you might not be carrying the virus.  On average, those infected with COVID-19 recover by themselves in 10-14 days. Though there is no current medicinal cure, three separate vaccines are being worked on and tested in Saskatchewan, Cuba, and China. Many are hopeful of a cure in the near-future. Until such a cure becomes available, it is imperative that we all practice self-isolation and get ourselves tested when possible. Furthermore, it is crucial to stay calm and level-headed during this time. Engaging in activities such as panic-buying and hoarding resources is damaging for the populous as a whole and denies others the ability to stay safe. COVID-19 will undoubtedly blow over and normal life will resume. The best course of action during this time is to adhere the advice of the experts in charge of navigating this pandemic. That means self-isolating, limiting non-essential travel, and staying vigilant to any and all updates. With vaccines being tested in three different countries, a cure is surely near. If you have any questions regarding your insurance at this time, contact us 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('cloak05fd170829a7ddec054519bc0f9dce16').innerHTML = ''; var prefix = 'ma' + 'il' + 'to'; var path = 'hr' + 'ef' + '='; var addy05fd170829a7ddec054519bc0f9dce16 = 'better' + '@'; addy05fd170829a7ddec054519bc0f9dce16 = addy05fd170829a7ddec054519bc0f9dce16 + 'hubbardinsurance' + '.' + 'com'; var addy_text05fd170829a7ddec054519bc0f9dce16 = 'better' + '@' + 'hubbardinsurance' + '.' + 'com';document.getElementById('cloak05fd170829a7ddec054519bc0f9dce16').innerHTML += ''+addy_text05fd170829a7ddec054519bc0f9dce16+'';   More
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Insurance Market Outlook 2020

Insurance Market Outlook 2020
  At the beginning of each year, we delve into the “Crystal Ball” and predict where the insurance market is going for the next year. We have talked about the onset of the changing insurance market for several years now, and 2019 was when it really hit home; impacting virtually every line of property and casualty lines of business. The Cause P...ut simply, the foundation of the change in the market was largely reported as the big result of insurers paying out more in claims than the premiums they take in. This was an unsustainable business model, especially when ROI’s are not driving large multiples to offset it. We also feel that there is a lingering effect of some irresponsible underwriting over the past decade. The Effect Market cycles, or “corrections”, are common in many industries – and for the insurance industry, it’s resulting in three main areas of change: increased premiums, stricter underwriting rules, and reduced capacity (or an unwillingness to write business). So if a ‘triple whammy’ wasn’t a thing before, it is now - “thanks insurance industry!” … said no one ever. Some of the hardest hit industries continue to be transportation, hospitality, realty, and retail to name a few. However, virtually every industry sector and personal insurances have all felt the pinch and many large insurers are telling us not to expect the pressure on prices to ease up any time soon. We do see a bit of light at the end of the tunnel though. For “Best In Class” business, we think we will see a leveling off of the drastic rate increases; being replaced by more predictable, low-single digit increases. Cyber liability saw a huge spike in claims ratio from 22.3% in 2018 Q3 to 114.1% in 2019 – and continues to top the list as Risk Managers #1 concern, followed closely by Business Interruption. General Liability Rates Increasing There has been pressure on liability rates for some time, especially with claims in areas not as prevalent historically such as: psychological damage, concussions, post-traumatic stress disorder, and chronic pain. Illustrated by a greater representation of lawyers on files is the inflation in liability premiums. Property Insurance One trend of note in Q3 of 2019 was that there were marginally improved results in property lines – both personal and commercial – which should mean we will see a leveling out of increases in both of those areas of insurance. Automobile Insurance Claims ratios in the auto insurance sector continue to climb nationwide, led by an ongoing increase in personal auto claims payments. We hope that further increases will return to only single-digit increments going forward. Directors & Officers Liability (D&O) Following a prolonged flat-to-declining rate environment and an expansion of coverage for more than 10 years, Public, Private, and Not-For-Profit segments will see increased premiums this year. This is the result of higher claims frequency, severity, and increased loss costs.   More
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