risk management

Understanding Strata Insurance in British Columbia

Strata living continues to grow in popularity across B.C., offering convenience, shared amenities, and a sense of community. But with that shared lifestyle comes shared responsibility—and few responsibilities are as important (or as complex) as strata insurance. Whether you’re a strata council member, property manager, or curious owner, understanding the basics of strata insurance is Understanding Strata Insurance in British Columbia

Why High Net Worth Individuals Need Specialized Home Insurance

For high net worth individuals (HNWIs), a standard homeowners insurance policy often falls short of covering the full value and unique risks associated with their properties and assets. High net worth households typically own homes with high property values, luxury features, fine art collections, custom furnishings, and other unique assets that require more than just Why High Net Worth Individuals Need Specialized Home Insurance

Webinar: Post-lost Procedures & Equipment Breakdown Coverage

This webinar explore the essential steps to effectively manage strata losses, from immediate response to final restoration. You’ll learn how to navigate insurance coverage, understand deductible responsibilities, and ensure that both strata and unit owners are protected. Additionally, experts from HSB Canada will explain the ins and outs of equipment breakdown insurance for stratas, ensuring Webinar: Post-lost Procedures & Equipment Breakdown Coverage

Insuring Wine: Is it Necessary?

When it comes to insuring wine, policies often include unique features that set them apart from traditional plans. These features are specifically designed to cater to the needs and preferences of high-value homeowners and serious collectors. Real Claims Story During a power outage, a client’s wine cellar risked ruining an exclusive collection of aged wine Insuring Wine: Is it Necessary?

De-icing Outdoor Walking Surfaces

Keeping outdoor walking surfaces—such as parking lots and sidewalks—clear of ice (de-icing) in the winter is crucial practice, both at the workplace and at home. Not only does ice removal offer aesthetic benefits, but it can also help keep you, your co-workers and the general public protected from the risk of slips and trips. With De-icing Outdoor Walking Surfaces

What’s the deal with Business Interruption Insurance?

We’re often asked why Business Interruption Insurance? Continuity is critical in business, and there are few things more important than continuous revenue and cash flow, particularly for small to medium-sized organizations. In fact, just one brief business interruption can be incredibly costly for an organization, often leading to serious reputational damages or long-term closures. That’s What’s the deal with Business Interruption Insurance?

The Cliff’s Notes of Life Insurance

Life insurance is not something many like to think about… but if you have dependents who rely on you for financial support, then life insurance is really about protecting them in case something happens to you. We have a lot of people asking us about life insurance, so we asked our team of specialists to The Cliff’s Notes of Life Insurance