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An invitation to join a Board of Directors once signified that a person had attained a certain prominence in business or the profession. The business acumen of the individual was being sought to enhance the profile of the Corporation. Such an invitation was usually accepted, not because of the financial rewards but because the post [...]

As an Insurance Advisor I have to ask a lot of questions during TBI’s Total Review of Insurance™ to get all the information required to properly insure a client.  When discussing homeowners insurance with clients, and especially first-time homebuyers, the majority of the people I talk to have the same the question when we discuss [...]

1. Seek the Advice of a Professional Risk ManagerThe first and easiest way to start implementing risk management in your company is to seek the professional advice and guidance of a professional risk manager.  Not only are they trained in the techniques for risk analysis, control, and finance, they also have access to a wealth [...]

The rules of the game have changed: effective risk management, rather than the commodity-driven “insure and pray” method (you insure your business and pray nothing goes wrong), is the separating line between successful businesses and non-successful ones.  Unfortunately, I meet business owners every day who feel that the size of their business is too small, [...]

A poll conducted by an insurance company in September 2010 showed that nearly one quarter of Canadians don’t know what their insurance policy covers.  According to the study, more than half (53%) said they had made a claim on their insurance policy, and of those, 42% said they were surprised by something contained in their [...]

Too often insurance brokers are faced with resistance when we try to recommend enhanced coverage.  Take the liability limits on your home or auto policy for example; if you’re like most Ontarians, you likely have a limit of $1,000,000.  It seems like a lot, and it is…or at least it is as long as we’re [...]

These days you are 10 times more likely to have your identity stolen than your vehicle. This is just one reason why it’s important to understand what identity theft is and how you can prevent it. According to Michael Arata, in his book “Preventing Identity Theft for Dummies”, identity theft is when an individual uses [...]

Lately, the news has been buzzing about increases to insurance rates and decreases to coverage.  So how does an insurance consumer protect themselves and get the “best deal” when shopping for insurance?  Conventional wisdom suggests that we should “shop around” every few years to make sure that our current company isn’t trying to gauge us, [...]