COVID-19: Information for our clients

Business - Blog

By Staebler Insurance on Sep 21, 2021

Beginning Wednesday, September 22, 2021, the Province of Ontario is requiring proof of vaccination from patrons to enter select businesses . Ontario is joining other provinces with a vaccine certificate program that will eventually become a QR code (see update below). It is a reality business owners and operators are facing and, like so many of the regulations in the past year, businesses need to adapt and work hard to keep their business going. Staebler’s goal...

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By Staebler Insurance on Aug 13, 2021

It’s becoming more frequent that we read a media report of a large, well-known organization that’s been the target of a cyber breach. Often sensitive data and client information is compromised and held for ransom by digital attackers. While the public usually only hears about the major breaches of data security, smaller incidents are happening in Canada far more regularly. Insurance companies are now sounding the alarm : Not only is the average ransom demand going up (170%...

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By Staebler Insurance on Apr 30, 2021

The Insurance Brokers Association of Ontario (IBAO) and the Insurance Bureau of Canada (IBC) have partnered together to address insurance availability issues within the commercial trucking industry. For years, truck drivers with limited years’ experience, and their carriers, have struggled securing the proper insurance coverage they need. At the same time, insurance companies have been paying out an unsustainable amount of earned premiums (105%!) through claims and related...

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By Staebler Insurance on Dec 21, 2020

Insurers, snow removal contractors, and commercial property owners in Ontario received some good news from the provincial government this month, ahead of the heavy snow fall season. A section of Bill 118 , called the "Occupiers’ Liability Act”, will now limit claimants from taking legal action to recover personal injury damages caused by snow or ice (e.g. a slip and fall injury), unless they provide notice of the intent to sue within 60 days of the incident. This is a...

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By Staebler Insurance on Nov 24, 2020

Insurance is bought to ensure if the unexpected happens, there’s a solution to make things better. Imagine an accidental garage fire: All of your possessions are lost, but insurance is there to get your items back and repair the damage. Now consider owning a business, where you not only have possessions but are responsible for the financial wellbeing of others. It’s nearly impossible for anyone to be able to handle that burden if the unexpected happens and you're required make...

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By Staebler Insurance on Aug 18, 2020

Tips to keep your workplace safe during COVID-19 The most important thing to remember is the health and safety of everyone - and that begins with employees.  As always, under the Occupational Health & Safety Act (OHSA) business owners and operators are required to take every reasonable precaution to protect the health and safety of workers - and operations during COVID-19 are no exception.  As a reminder, from a high-level the employer requirements include:...

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By Staebler Insurance on Jun 29, 2020

With pandemic restrictions related to COVID-19 continuing to ease across Ontario and much of the province in Phase Two of the re-opening plan, there are important considerations to be aware of that may affect your insurance. More businesses have restarted operations, more people are heading back to work, and some sense of the old normal is slowly returning. As a result, your routine may be changing (yet again) and you may need to update your insurance policies to reflect your...

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By Staebler Insurance on May 19, 2020

It’s been over eight weeks since government and health officials mandated the majority of businesses close their doors to the public. A lot has changed and everyone has needed to quickly adapt. After a long and patient wait, we are starting to see the slow  re-opening of some businesses and industries from COVID-19 mandated shutdown. This is giving many businesses pause to take the time to look around, take stock of their physical space and operating procedures, and begin...

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By Staebler Insurance on Mar 31, 2020

As COVID-19 spreads around the world, and the business environment changes daily due to government directives, organizations have found that there are many things to consider with respect to insurance and risk management. Property Coverage Many businesses are finding themselves in a situation where they are mandated to shut down operations by their governments in order to prevent the spread of the COVID-19 virus. There are a number of things to consider when doing so, not the least...

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By Staebler Insurance on Mar 24, 2020

With the escalating threat of the COVID-19 pandemic and a State of Emergency declared in Ontario, non-essential businesses are shutting their doors to the public. And many Ontarians are suddenly finding themselves being asked to work from home for the first time in their lives. While this might sound like a nice perk in the middle of all this uncertainty, it isn’t without its downsides either. Here are some tips on how to best prepare yourself and your home during this period of...

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