As an Ontario business owner, you may have come across the terms “waiver of subrogation” and “certificate of insurance” during contract negotiations or when securing a new client. Both play crucial roles in managing risk and ensuring that your business

As winter transitions into spring it brings a significant risk—flooding. Spring thaw is a particularly critical time when melting snow and ice can lead to rivers and lakes overflowing their banks. Combined with the more frequent extreme weather events we’re

With everything from excavators to bulldozers, contractors are dependent on these tools not just to get the job done, but to ensure timely and efficient project completion. One key area of concern is the insurance coverage for this equipment. Recently,