Friday, February 24, 2017

Toronto : Amateur Sports Insurance


Amateur Sports Insurance!
 

Commercial General Liability and Accidental Medical insurance
 
 
 
 

  • Sports Teams, Leagues & Associations - soccer, baseball, hockey, volleyball, and a multitude of other sport risks
  • Short Term Sporting Events - recreational triathlons, hockey tournaments, skateboard competitions, fun runs, hockey schools & off season sport training and similar events 
  • Sport Facilities - arenas, paintball facilities, indoor skateboard parks, indoor climbing walls and much more.
  • All Risks Coverage - for sports equipment, retail stores, rental equipment and food concessions
*  Soccer
*  Ringette
*  Volleyball
*  Basketball
*  Hockey
*  Ball hockey
*  Softball
*  Badminton
*  Lacrosse
*  Flag football
*  Racquetball


Features: 
  • Combined policy with CGL & Accident Medical Coverage
  • Full participant coverage with no participant to participant exclusion
  • Cross Liability & Severability of Interests Clauses included
  • Up to $5 mm limits for CGL
  • Commercial General Liability (occurence basis)
  • Accident/Medical (No Fault) Coverage for out of pocket medical expenses & Accidental Death & Dismemberment benefits
  • Non Owned Auto SPF No.6, SEF #94 & SEF #96 included
  • Tenant's Legal Liability
  • Equipment / property coverage available
We are happy to help you fulfill your insurance need. 

Bridges International Insurance Services
647-349-7101


Friday, November 25, 2016

Condominium owners insurance, Tenant insurance and Auto insurance in Bloor Yorkville area, Toronto

If you have condominium insurance, tenant insurance or auto car insurance in Yorkville Bloor area of Toronto, and are looking for an insurance broker that has contracts with RSA, Aviva, Economical, Gore and Intact, please contact us.

INSURANCE BROKER OF BLOOR YORKVILLE, TORONTO

http://bloor-yorkville.com/cat/legalaccounting-services/






We are happy to help you fulfill your insurance need. 

Bridges International Insurance Services
647-349-7101

Wednesday, November 9, 2016

Toronto Spas and Salons Insurance

Every year, a new trend pops up in the spa and salon industry that can cause hard to get coverage.  Be assured that we can adapt with those changes.


We offer a comprehensive general liability and property package including crime to make sure all your risk exposures and covered. We are able to handle a small in-house operation to a large chain.

Spa and Salon operations considered:
  • Manicures and Pedicures
  • Eyebrow/Eyelash Tinting
  • Eyelash Extensions
  • Beauty Schools
  • Chemical Peels
  • Laser Hair Removal
  • Waxing/Sugaring
  • Hairstylists/Barbers
  • Tanning Booths and Saunas
  • Teeth Whitening
  • Spray Tanning
  • Facials
  • Micro Needing
  • Micro Blading
  • And more...
The program provides
  • Options for $2,000,000 or $5,000,000 CGL
  • $2,000,000 Errors and Omissions Coverage
  • $1,000,000 Tenants Legal Liability
  • $1,000,000 Employer's Legal Liability
  • $1,000,000 Employee Benefits Liability
  • $1,000,000 Sexual Misconduct and Molestation (Claim Made)
  • Participant Coverage
  • Property Coverage Available

Saturday, November 5, 2016

Toronto - 5 ways to cut the cost of small business owners' automobile insurance

Margins are often tight for small business owners and finding ways to cut costs is essential. For organizations who require automobile insurance, there are many effective ways to save cash and avoid the unnecessary consequences of collisions. From driver selection to risk management, most businesses requiring auto coverage have potential to reduce collision frequency and, ultimately, lower their insurance costs.

Mandip Hullait Director, Commercial Auto, RSA Canada shares her top 5 suggestions of how small business owners can cut the cost of their automobile insurance.

Driver screening
“It’s a good idea to take extra time to screen your drivers, such as checking accident history, conviction record, number of years licensed and continuous driving experience on similar types of vehicles in Canada or US,” says Hullait. “It’s also imperative to make sure the driver has the appropriate class of license required to operate the type of vehicle.”

Tweaking your coverage

Adjusting your policy to fit your specific business needs - with help from your broker - could be a move that creates some significant savings. “Increasing your physical damage deductibles could definitely help lower your premium,” Hullait says. “Also, in some situations it’s worth removing collision coverage from older model vehicles as their values significantly depreciate.”
 
Hire drivers with proven experience

“Hiring experienced drivers is the first step to maximizing the success of your business,” Hullait says. “Formal guidelines are a necessity to establish acceptable driving qualifications for any employee who regularly drives company vehicles. Also, conviction free drivers are entitled to a discounted rate.  Those drivers with two or more minor convictions are subject to a rate surcharge, so careful driver selection and monitoring drivers on an ongoing basis will continue to help save premium dollars!” 

Loyalty to insurer
In today’s competitive market, small business owners may feel the need to shop for a better price at renewal.  To save you time and money, most insurers want to work with you by rewarding your loyalty.  The longer you stay with your insurance provider, the higher the loyalty discount with them.
 
Multiple lines of insurance coverage with one insurer

Time is precious when you own a small business.  Business owners with multiple insurance needs who place both their automobile and property casualty insurance with one carrier are often entitled to a Multi-line Discount.  This saves valuable time, money and not to mention the convenience of dealing with the same insurer.

For more information on loss prevention measures that small business owners can take to reduce their insurance costs, visit http://www.rsaautofleet.ca/.
















Bridges International Insurance Services





Sunday, October 2, 2016

Fitness and Lifestyles Liability Insurance Program


We offer Fitness and Lifestyle insurance program with extended coverage and competitive rates.

Risk types:

  • Individuals and Group Instructors
  • Fitness Studio and Health Clubs
  • In-Home Studios
  • Hot Yoga
  • Outdoor Bootcamps
  • Yoga, Pilates and Reiki
  • Online Services


Policy premiums as low as $200 for an individual fitness instructor.

Highlights and Enhancements

All risk coverage

  • Up to $5,000,000 CGL in-house capabilities
  • Participants Liability included
  • No Deductible
  • $2,000,000 Errors and Omissions
  • $1,000,000 Abuse (Claim Made)
  • $1,000,000 Malpractice (Claim Made)
  • $1,000,000 Tenants Legal Liability
  • $1,000,000 Employer’s Liability
  • $1,000,000 Employee Benefits
  • $100,000 Voluntary Compensation Benefits
  • All trainers working on your behalf including Contracted Employee are covered under one policy
  • Property coverage available
  • Legal Expense coverage available
  • Cyber coverage available
Please contact

Toronto, Ontario
1-888-298-6526

Wednesday, August 31, 2016

Uber drivers in Ontario now insured automatically

The Canadian Press Posted: Jul 07, 2016 12:52 PM ET
A new insurance policy covers all Ontario Uber drivers, passengers and vehicle owners when Uber is in use, and when the app is off the vehicle owner's personal auto insurance policy applies. (CBC).



Uber drivers in two Canadian provinces are now insured, as Ontario joins Alberta in approving coverage that extends from when the app is turned on to when passengers exit the vehicle.
Ontario's insurance regulator announced Thursday that it has approved a policy from Intact Financial Corp. for private vehicles transporting paying passengers through the ride-hailing service.
Last week, Intact began offering coverage for Uber drivers in Alberta and both companies are working with Quebec to get similar insurance in place.
"This new ridesharing insurance approved by (the Financial Services Commission of Ontario) should serve as a practical solution designed for ridesharing," Uber Canada's general manager, Ian Black, said in a statement.
"Both (Intact) and Uber remain engaged with regulators across Canada to bring new ridesharing insurance policies that offer a smart, seamless and simple solution for driver-partners."

Insurance gap

The Financial Services Commission of Ontario said the "blanket fleet coverage" addresses a "critical insurance gap" for the industry.
CEO Brian Mills said in a bulletin posted to the regulator's website that he anticipates new insurance policies that build on what has been approved for Intact will be filed in the future.
"Going forward, I want to emphasize that the sharing economy in general, and the automobile insurance implications in particular, will continue to evolve and will require innovative solutions and responses by all stakeholders, including FSCO, that respond to technological advances," Mills wrote.
"At the same time, I want to emphasize that approved solutions may also need to evolve and adapt as circumstances and legal requirements change. Therefore, any policy form or endorsement that I approve is also subject to ongoing review."
The new policy covers all Uber drivers, passengers and vehicle owners when Uber is in use, and when the app is off the vehicle owner's personal auto insurance policy applies.

Regulatory change

The Ontario government approved a regulatory change under the Insurance Act to allow insurance companies to develop commercial fleet insurance policies for ride-hailing companies.
It says the regulatory change is an interim measure while the province works with FSCO and the insurance industry "to modernize the auto insurance system to develop a permanent solution for emerging transportation services."
The Liberal government doesn't appear keen to pass a private member's bill from Progressive Conservative Tim Hudak to regulate Uber, AirBnB and other services in the so-called sharing economy. The bill passed second reading in last fall but has yet to go before committee to be studied.
But the government has set up a sharing economy advisory committee to look at policy, regulatory and legislative challenges associated with the emerging industry.
The Intact policy provides coverage that includes statutory accident benefits, uninsured motorist coverage and third-party liability of up to $1 million while the app is in use but no ride has been accepted and $2 million after a ride has been accepted.
For collision and comprehensive coverage to apply, the vehicle owner must be covered in that way under their personal policy.

Sunday, June 12, 2016

Medical Malpractice Insurance

RISKS:
  • Alternative Therapists - Naturopathic, Chinese Medicine, etc
  • Allied Health Care Professionals - Home care & personal support, Counselling & Therapists, Respite & Palliative Care, First Aid & Safety Training, etc
  • Healthcare Facilities and Clinics - Labs, MRI, Ultrasound Scanning Clinics, Walk-Ins, Dental Clinics, Surgical Centres, etc.
  • Medical Malpractice Associations
COVERAGE FEATURES:
  • Minimum Premium : vary by target group and start as low as $250
  • We also can package the CGL for as low as $400
  • Lower Policy Fees
Bridges International Insurance Service