Ask Steve

At a 2012 Cyber & Privacy Risk conference changes in cyber risk were noted: 1. Cyber attacks have become pervasive 2. current defensive systems aren't working, and 3. Cyber risk is...

If it’s a licensed vehicle, it needs to have Auto insurance before taking it out on to the road, right?  Ontario’s Compulsory Automobile Insurance Act requires that all motor vehicles be...

Every day business owners face a number of liabilities, many of which can be insured with that well known Commercial General Liability (CGL) insurance policy.  But where are the 'gaps' and...

Protect your Personal Insurance. You could be risking everything without knowing it. We all know that a thief can break into a car in a matter of seconds. Cars are been targeted at large...

One of the most common clauses in any insurance policy is co-insurance. Who thought it up in the first place? Co-insurance goes back over 100 years, and is meant as a means to persuade...