The Rising Cost Of Group Benefits

Due to drug expenses, the cost of group benefits has been quickly increasing. And although this is concerning to Canadian employers, they are still keeping productivity and engagement of their employees a priority.  A survey for Canadian group benefits sponsors was conducted to identify their Top 10 benefits and workplace priorities. Here are...

What Is "High Risk" Insurance And Who Needs It?

Did you know that “high risk” insurance is not just for reckless and risky drivers? Most people don’t know that it can also apply to good drivers and even some homeowners. High-risk insurance (also known as non-standard coverage) is for those who aren’t eligible for coverage from standard insurance companies. Here are 6 common reasons why someone ...

What Is Cyber Risk And How Can It Affect My Business?

Cyber risk is any threat of financial loss, disruption or damage to the reputation of an organization resulting from the failure of its information technology systems. This can be caused in a variety of ways such as:• Deliberate and unauthorized breaches of security to gain access to information systems• Unintentional or accidental breaches of sec...

Group Benefits for a Changing Workforce

With millennials being the largest segment of the Canadian workforce, many employers have started to offer exciting new benefits in the workplace such as gym memberships, pet-friendly offices, and free snacks. Although these perks can be great, it is also important to ensure that more traditional benefits are not overlooked. Traditional perks such...

Most Common Workplace Accidents on Construction Sites

Workplace injuries and fatalities on construction sites are growing at an alarming rate in Canada. Below are some suggestions on how to prevent these incidents to protect your business and your employees. 1. Slips, trips and fallsAttention to detail and proper maintenance is the most important step to avoiding these hazards. Make sure to promptly ...

Simple Ways To Avoid Common Car Insurance Claims

Accidents happen, but sometimes they are preventable. Here are a few tips to help you stay clear of some common types of collisions.  Rear-end collisions 1. Leave plenty of space between your vehicle and the one in front of you. This is crucial especially during wet or snowy road conditions. 2. Try not to slam on the brakes. If a driver behin...

Common Group Benefit Plan Myths

Employee benefit plans can seem complicated, but it doesn’t have to be! However, when choosing a benefits plan it is important that you separate fact from fiction. Here a few myths to watch out for: There are limited options for small businesses.This is false and quite the opposite actually. The options for small businesses are diverse and flexibl...

Mistakes Business Owners Make When Filing Insurance Claims

Disasters do happen. And as a business owner, it is your responsibility to figure out if your insurance will cover your losses. It is also crucial to avoid mistakes to make the process easier for you and your business. To help you, we’ve listed some mistakes business owners make while filing insurance claims:  1. Not contacting your insurer i...

When To Contact Your Insurer

Knowing when you should reach out to your insurance representative is crucial if you want to make sure that you always have the right coverage. Any changes to your car or home could affect your insurance needs so it’s better to be safe than sorry! Here are some examples of when you should contact your insurer: Car Insurance • You’ve changed your j...

Fun Things To Do In Toronto This Summer

Summer is officially here and after being cooped up indoors all winter, we could not be any happier that the warm weather has finally arrived.  If you’re looking for date night ideas, a girls day or even just some fun in the sun with your family, then this list of events and ideas you can do in the city this summer is perfect for you: 1. Roof...

Loss Prevention Tips for Commercial Vehicles

Having a commercial vehicle has a lot of benefits for businesses such as advertising and marketing, equipment storage and transporting employees efficiently. But even with commercial vehicles, accidents can still happen. We’ve listed a few tips to consider to help you protect and prevent damages, injuries, or other losses from happening to your co...

Why Millennials Need Life Insurance

Let’s face it - life insurance is not a very exciting topic. With the pressure of student loans, day-to-day expenses, and planning your next vacation – life insurance just seems to be sitting at the very bottom of the list for millennials, but it certainly is something to start thinking about. What if something were to happen to you tomorrow? Woul...

12 Tips for Safeguarding Your Business

As a business owner, it is always best to expect the unexpected. Having an emergency preparedness plan is important for businesses of all sizes. Here are some tips to make sure that you are prepared. 1.       Review your current business insurance policy to make sure that you have the right coverage for your needs. Ge...

Top 5 Myths about Car Insurance

If you’ve steered clear from buying that bright red car because you think your auto insurance premium will go up, you’re not alone. When it comes to auto insurance, there are a lot of things to consider – and everyone seems to have opinions and advice to share. However, not everything you hear is actually true.  We know that buying car insura...

5 Tips for Hot Work Fire Prevention

Hot work (HW) is the process or action that generates open flame or produces heat and/or sparks. Hot Work initiated flames are 100% preventable but is still one of the top causes of industry fires.   Here are 5 quick tips you can take to prevent fires on your site. 1. The 3 R’s • Restrict (or relocate): Allow HW only in areas designated ...

Business Insurance & You

Managing risk is an essential part of every business, large or small. Theft, fire, vandalism, riots: A host of perils could come your way and you need to be ready for them. Here are some of the basic steps you can take:  STEP 1: Get a good insurance representative  The best first step is to shop for a commercial insurance agent or broker...

5 Reasons to Offer a Group Benefits Package

Offer your employees the protection they deserve, and make your company a place where people want to work. Here are five great reasons to offer group benefits: Protect Your Employees While Canada’s national healthcare program gives Canadians access to doctors and emergency medical treatment, it doesn’t cover everything. In fact, some new drug trea...

DO I NEED TENANT’S INSURANCE? YES. HERE’S WHY:

If you rent an apartment or house, tenant’s insurance is available to help you replace your belongings after a loss due to theft, fire, water damage or other insured perils. Insurance pays for extra costs to help you get back on your feet after a loss. Insurance also protects you if someone gets hurt or someone else’s property is damaged because o...

REFER A FRIEND FOR A CHANCE TO WIN!

Overview: Our NEW referral contest rewards you for letting friends and family know about Hubbard Insurance Group! Simply refer someone to request an insurance quote and be automatically entered in our prize draw to win a FREE $100 American Express Prepaid Gift Card!  Contest Rules: 1) The contest begins April 1, 2018 at 9:00 a.m. (EST) and en...

Keep Your Cargo Safe. Keep Your Cargo Moving.

If you are in the transportation sector, you’re well aware that insurance is one of the top 3 costs for your business and cargo theft is not only a concern of yours, but a significant contributor to increasing insurance costs.  Keep Your Cargo Safe: The Insurance Bureau of Canada (IBC) warns that if you want to keep your cargo safe, it’s best...
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