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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...
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...
Cyber Insurance Is Right For Your Business
Have you considered cyber insurance for your business? Here are a few reasons why it might be smart to do so.
Cyber insurance is finding its way onto the agendas of businesses everywhere, but it’s still a relatively misunderstood class of insurance. Because of this, many companies find themselves confused about how cyber insurance actually works a...
Enhanced Insurance For The Agriculture Industry
The world is in the middle of a severe pandemic – with various industries feeling the full wrath of COVID-19 on their workforce and their bottom lines. Yet, if you were to walk into a grocery store today, fresh fruit and vegetables continue to adorn the shelves. How do they get there?
The agriculture industry, much like every other industry, has s...
Temperature Screening & Glove Use - Insurance Industry Advice
Industry sources are telling us that business’s may expose themselves to legal risk if they don’t adhere to all government recommendations to protect their clients and employees from the spread of coronavirus while re-opening, legal professionals warn.
As social distancing rules loosen in various parts of the country, businesses are looking for way...
Risk Management & Insurance
Restarting a business after coronavirus lockdown – a risk manager's perspective
Countries are easing their lockdowns in different ways, but businesses are facing similar challenges to resume their activities. Douglas Barnett, director for mid-market and customer risk management at AXA UK, is back at work after recovering from coronavirus. With his ...
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...
The Canadian Emergency Response Benefit - What You Need To Know
The Canadian Emergency Response Benefit (CERB) portal is finally live as of Monday, April 6. This is a resource for all those who have lost their jobs because of the COVID-19 pandemic.
Canadians who qualify for this benefit can visit the Canada.ca website for more information or call the toll-free line at 1-800-959-2019.
There are two ways to acce...
COVID-19 Update
The situation with the COVID-19 pandemic continues to evolve and we wanted to provide you with an updated overview of the changes we have implemented to keep business running as smoothly as possible.
The insurance industry is deemed an essential service along with mail and courier services, so we are here and fully operational.
We wanted to reach o...
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...
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, ...
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...
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...
Top 6 Business Risks of 2020
2020 marks the beginning of a brand-new decade. 20 years on from the turn of the millennium and the craze surrounding the Y2K bug, the risk landscape for Canadian businesses continues to evolve and expand.
Whereas the technological and cybersecurity risks touted in previous decades may have been without much substance, this new era wi...
BREAKING NEWS – MITSUBISHI ELECTRIC SUFFERS MAJOR CYBERATTACK
Mitsubishi Group’s electronics and electrical equipment arm – Mitsubishi Electric – has suffered a major cyberattack.
According to a statement from the company, sensitive information on government agencies and other business partners has been compromised – and that a Chinese group is the prime suspect behind this attack.
As reported by The Japan T...
Hubbard Hires Alert - Welcome Elaine Dean!
Hubbard Insurance Group is delighted to announce the addition of Elaine Dean to our Personal Lines Division as the brand new Personal Insurance Team Lead!
Elaine comes to us with over 20 years of experience as a RIBO licensed broker. Her focus has been client service and account management; with her personal insurance expertise including team work...
2019 Cyber Review - Millions Affected by Breaches
Though National Cyber Security Awareness month may be behind us, the focus on cybercrime remains constant. Just this year, there have been reports of massive data breaches in major corporations like Uber, DoorDash, Canva, and Desjardins. However, as we have discussed in the past, the vast majority of data breaches aren’t ever actually reported on ...
Top 5 Winter Home Tips
It’s that time of the year again! Just as Jon Snow predicted, winter has come. With the country firmly in the middle of December and heading into the start of the New Year, an ever-increasing soft white blanket rests upon the grounds upon which we all walk. As beautiful as winter may be, though, this is a time of increased risk for home-owne...
Hubbard Hires Alert!
We are delighted to announce the addition of Jeanette Sangalang-Dela Paz to the Hubbard Insurance Group as a Personal Insurance Advisor!
Jeanette brings with her over 13 years of experience in the personal insurance industry in client service, business development, compliance, and claims assistance.
At Hubbard, we put an emphasis on the personal...
Cyber Crime and Transport
The concept seems a strange one. Why would cyber criminals go after transport? The usual suspects when it comes to cybercrime tend to be financial institutions – such as the recent hacks on Desjardins and Capital One. The answer, though, is rather simple.
Cyber criminals go wherever there is technology. If that technology can be exploited in a boo...
Driver's Listing Reminder Alert
It has become much more important that we keep our drivers listing current and that we not allow anyone who is not listed as a driver to use one of our units.
While there was a time that as long as the driver was legally licensed to drive, we could ‘technically’ allow any driver to drive our vehicles. However, the insurance companies have bec...
Desjardins Cyber Attack Much Worse Than First Thought
The Desjardins cyber breach is far worse than it initially seemed according to a new statement from the company.
In a statement released by Guy Cormier, the president and chief executive of Desjardins, it was announced that over 4.2 million members had their information entirely compromised.
This number is significantly higher than the init...
RISK Management, Insurance Directors & Officers Liability - Survey Results
A 2016 Private Company Risk Survey shows that more than one in four Canadian private companies surveyed experienced a Directors & Officers (D&O) liability loss in the past three years — and 97 percent of those companies were impacted financially. Such losses impact companies of all sizes and industries, ranging from construction, to manufac...
Major DoorDash Data Breach
The food delivery giant DoorDash confirmed on Thursday that nearly 5 million customers have been left exposed due to a massive data breach. The hack seems to be an all-encompassing one as customers, delivery workers, and merchants were all left vulnerable with their data being stolen.
Despite the fact that it is now nearly October, this bre...
Costs for Employer-Provided Medical Benefits to Rise in 2020
It seems that insurance costs are increasing every time we look – whether it’s because of the nature of the market or because technology is making everything more expensive. From home insurance to auto insurance, we’ve covered the recent increases and the reasons for them. However, there is now a new increase – but is this different?
According to...
The Most Dangerous Form of Driving
We’ve all seen our fair share of dangerous drivers on the road – people who believe that they are auditioning for the Jeff Gordon biopic with their hard accelerating and braking, as well as their aggressive cornering.
Yet, it turns out that all those forms of dangerous driving are statistically insignificant when it comes to car crashes. Research...
Jewellery Insurance - Why You Need It
The value of jewellery is often twofold: monetary and sentimental. Buying an engagement ring can set you back thousands of dollars – but it symbolises love and affection; and that is literally worth its weight in gold.
Imagining losing something of such value? Who hasn’t misplaced a ring or some other form of jewellery?
Whilst the sentimental valu...
7 Ways to Lower Auto Insurance Premiums
With the Insurance Industry bunkering down in this current hard market, rising premiums are affecting everyone involved. However, as previously discussed with home insurance, all hope is not lost. As your Insurance Brokerage, our job is to advocate for you regardless of how difficult the market may be. With that said, here are 7 ways to help lower...
5 Ways to Lower Your Home Insurance Premiums
Let’s be honest – no one likes paying insurance premiums. We all recognise that they are necessary and not having insurance would be incredibly detrimental; but when the bills start piling up at the end of the month, our inner-dread tends to grow.
Recently, a lot of homeowners have seen a rise in their home insurance premiums. If you didn’t...
5 Reasons Your Home Insurance Premiums Are Higher
It’s renewal time! Whenever your insurance is up for a renewal, there is always that slight anxiety before receiving your updated premiums. Is my insurance going to cost more? Will I be able to save a few bucks this year?
For many homeowners, the renewal of their home insurance has seen an increase in their premiums. Why is this? Are insurance com...
Massive Data Breach at Capital One
It’s happened again – another massive data breach. It seems that nothing has really changed since the egregious information leaks that happened at Canva and Desjardins. We’ve reported on both and forewarned future attacks and, hey presto, another one pops up!
This attack, though, has put millions in danger.
Since the vast majority of the data that...
Is The Hard Market Here To Stay?
The basis of all business can be condensed down into the concept of supply and demand. It’s quite simple, really; you have what I want, and I have what you want. Both parties engage in an exchange and, voila, there is business.
There has been a lot of talk in the insurance industry lately, though, that there is currently a hard market in place. In...
The One Big Reason You Need Personal Umbrella Coverage
When insurance is mandatory and straightforward, it’s pretty easy to buy into. This is why auto, home, and health insurance are as popular as they are. They all make sense – if something happens to your car, home, or body and mind, then you will be covered.
Yet, there is another kind of insurance that makes just as much sense – if not more – than ...
Why Car Insurance Premiums Are Rising
After the First World War, cars began inundating urban areas. More often than not, these cars were relatively fast and quite dangerous – with almost no mind being paid to safety features. With the auto industry barely in its adolescence, it is no wonder that regulations were nonexistent.
A lot of the time, this meant that those who were the victim...
Car Crashes Into House
Yes. That is a picture of a car stuck sideways in a house. This happened on July 7th in Mississauga when a driver crashed his car into a house in the area of Tenth Line West and Rose Ridge Crescent near Tacc Drive. Luckily, no one was hurt in this incident – but it is a representation of the increasing amount of car accidents in recent year...
The Pride of Hubbard, The End.
The sun is shining its brightest best, grills across the country are being fired up, and various bodies of water are being filled to the brim with life. In the words of the legendary Nina Simone, “I’m feelin’ good.’
Welcome to the final part of our Pride series. In previous iterations, we have covered the origins of the Pride Parade as well as the...
Climate Change is Worse Than You Think
If it seems like weather forecasts are becoming decreasingly accurate and increasingly speculative – well, that’s because they are. Experts use present-day climate models to predict how severe the weather will be in the future; except those predictions are becoming inaccurate because of the destabilisation of weather that has been observed across ...
Insurance Market Outlook 2019 - Mid-Year Update
At the beginning of each year, we try to ‘crystal ball’ where we see the insurance market. This year we spoke about the increasingly ‘hardening’ global insurance environment on the property casualty side of the business. This is due in no small part to the multiple catastrophic weather related events which resulted in unprecedented claims l...
5 Reasons to Get Travel Insurance
It’s summertime and you can already picture it – the waves crashing against the sand, the gentle ocean breeze, the cool drink in your hand; you’ve worked hard all year and it’s finally time to go on that vacation.
Whether it’s a dreamy beach getaway or a cozy cottage respite, summer tends to be the ideal time to take a break. However, it is...
2.9 Million People Left Exposed After Desjardins Leak
The head office of the Caisse Desjardins de Rimouski Photo: Radio-Canada / François Gagnon
It was announced on Thursday by Guy Cormier – president and CEO of Desjardins Group – that improper access by an employee led to the information over 2.7 million individuals and over 170,000 businesses being leaked.
Though the Quebec-based organ...
The Pride of Hubbard, Part II
Welcome to part II of our Pride Month series! Last time around, we touched upon the origins of the Pride movement before moving onto a little profile of Karen Fuentes – a broker here at Hubbard. If you haven’t yet, make sure to check it out!
It’s a Friday, the weather is doing its best Martin Riggs impression, and I’m making dated Lethal We...
The Pride of Hubbard, Part I
As we mark the halfway point of June and the imminent arrival of summer, it’s a good time to turn the spotlight onto what June has become increasingly known for – Pride. Now, Pride Month is more than just a celebration of lifestyles; in fact, it has a rather dark past.
June 28, 1969. 1:20 A.M. Four plainclothes policemen wearing dark...
Chief Meteorologist Says There is a "Heightened Threat for Flash Flooding."
The weather seems to be at its moody worst this summer – bright and warm one second but a torrential downpour the next. How can you even begin to prepare for these sort of conditions?
According to the latest long-range forecast by The Weather Network, conditions this summer will be quite unpredictable – with stark differences to be observed...
Cyber Risks For Small Businesses
Should small businesses be worried about cyber-attacks? Or is the craze around cyber-activity just a phase that will pass? Unfortunately, cyber-crime is very much real and it is here to stay. In fact, considering more than a third of Canadian firms do not report carrying cyber insurance coverage, cyber-crimes may become the biggest p...
Builder's Risk Insurance
Do you ever see a construction site and wonder just what would happen if a massive gust of wind knocked everything down? Or if one of those gigantic industrial machines accidentally clipped something important and everything came crashing down in a giant waterfall of rubble and concrete? Obviously we hope that never happens, but those are r...
Summer Cottage Tips
It’s time to get excited – beach and campfire season is here. Every summer, tens of thousands of Canadians make their way to their cottages to soak in the rays and bask in the sunshine. However, with a lot of these properties not having been used in months, there are some steps that need to be taken to make sure you spend your time relaxing...