Could you be a victim of a Cyber Attack?

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Cyber attacks are a growing business interruption threat to so many business.  Fortunately there is insurance for that!


From managing intellectual property to maintaining an email server to protecting the personal information of your clients—cyber risk is deeply woven into the fabric of modern-day business.

Sure you may not be Target or Sony (or dare we say Ashley Madison).  The fact of the matter is that Cyber Attacks are a growing business interruption threat, and the first step in managing this risk is understanding your specific exposures.   Virtually every business relies on data and computer systems.  When your system experiences a virus or other computer attack, that is when your business is in danger of losing critical information that is essential to your daily operations and potentially exposing yourself to third party liability.

Learn more about your liabilities by downloading the content below (don’t worry the document is safe) and then call us at 1-877-642-2738

Cyber Liability – Cyber Attacks – A Growing Business Interruption Threat

Ontario Increases Fines for Traffic Violations

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On Sept. 1, 2015, Ontario implemented stricter fines for traffic violations, with minimum penalties for certain offences nearing $500

distracted driving

These changes are part of Bill 31, commonly referred to as the Making Ontario’s Roads Safer Act.    Changes include tougher penalties for distracted driving, new rules to protect cyclists and measures to ensure the safety of tow truck drivers and children riding school buses.

Since 2009, more than 500 people have died in collisions , in which driver inattention was a causal factor.   Distracted driving has exceeded impaired driving as a causal factor in fatal collisions. More changes to Ontario’s traffic laws are planned for 2016, including:

  • A new law that protects pedestrians at crosswalks and school crossings (Jan. 1, 2016)
  • Stricter penalties for those driving under the influence of drugs (Fall 2016)

Read more about the changes, right here  Ontario Increases Fines for Traffic Violations

Providing Safety for Women in Male-dominated industries

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There are several steps you can take to help minimize the hazards that women face on your job site.  Or, if you do not currently employee all female workers, these recommendations can help create a work environment for all genders.  Please read on!

Construction Women

As increasing numbers of women enter male-dominated trades, concerns about their health and safety are growing.   In addition to the primary safety and health hazards faced by all workers in male-dominated industries, such as construction, manufacturing and agriculture, certain safety and health hazards are specific to female workers.  

As an all female insurance brokerage, who provide insurance advice for all industries, we know too well the challenges we face as women working in what was a predominantly male industry.   The tide is changing in our industry, but not so much in other businesses.   

There are several steps  you can take to help minimize the hazards that women face on the job, and they are here in this months Commercial Profile August 2015.   

What if your business was interrupted?

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 Business Interruption

Without planning for a disaster such as an earthquake, you leave your company vulnerable to financial loss, especially if you are forced to close operations for a period of time.    Originally established for the manufacturing industry, Business Interruption Insurance has evolved into an essential risk transfer tool for all businesses.    Coverage provides resources that aid in recovery and can help get your company back on its feet quickly.  It can also provide employees and shareholders peace of mind, knowing that the business profits are protected in case of a disaster.

Are you ready to protect the business you worked so hard to establish?    We can help…find out more here  in our Commercial Insurance Profile or call us today 905-666-7600

Get Ready For Summer!

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Insight Personal Lines

It’s been a long time coming, but summer is here!  In your life, with your home or your automobile our Personal Lines Insights this month is filled with lots of useful information.  From making sure you are covered on while on vacation…did you know that 25% of Canadians will at some point in their lives need some type of medical care while travelling, to ensuring that your children are safe during the hot months ahead, please take a moment to read the information in the following link.     We think you will be glad you did…and have a great summer!   Personal Lines Insights




Water is beautiful, until it isn’t!

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Controlling flooding due to surface water and knowing what to do ahead of time , will help you react quickly and minimize potential damages to your property.   Water is the new fire!

Water is Beautiful

The devastating floods in parts of Alberta and Toronto in 2013 highlighted a key environmental truth…our country is getting wetter.   Did you know that the average yearly rainfall has increased by 12% in the past 60 years, with 20 more days of rain a year since the 1950’s?    Overland water, that is sudden accumulation or run off of surface water, including torrential rainfall has never been an insured loss under most homeowners policies, until now!   One of our insurance partners, Aviva Canada, is the first to introduce Overland Water Protection in certain risk zones.   This coverage will enhance the water protection for property owners or tenants who have sewer back-up coverage in place.

“Tens of thousands of Canadians have suffered losses from water damage in recent years,” said Sharon Ludlow, President, Aviva Insurance Company of Canada. “We’re proud to be the first insurer to offer overland water protection through our home insurance policies.”

Protect your home and belongings from overland water damage by calling us today to see if you qualify for this valuable coverage 905-666-7600

We also provide the following loss control tips here  Home Matters – Controlling Flooding Due to Surface Water

Reducing Employee Identity Theft

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Did you know that employees with senior status are more likely to cause organizational losses through identity theft since they usually have more access to employees’ personal information?


Did you know that when someone enters your place of business and is injured, you can be held liable for the injuries?

Data breaches are increasingly common occurrences, and companies are losing important data to hackers in cyber attacks….and believe it or not employees too!  As an employer you are responsible for protecting your employees’ personal information as well as your business.

In our Commercial newsletter this month, we have some tips for you to help manage these risks by taking appropriate steps to ensure that the information your company possesses is not compromise.

Keep reading to find out how you can protect your employees, and your business from identity theft, in our commercial insight Employee Theft and Business Liability

We are here to help!

Want a career in Insurance?

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Are you looking for a career change?   Are you interested in working with a dynamic group of people in Durham Region?

join our team

We are always looking for a RIBO Licensed Account Executives to join the Beyond Insurance Brokerage team.   You just need to be tech and social media savy, don’t mind working hard, but more importantly a team player.   If this is you, please send a resume and cover letter outlining why you want to join our team to Debbie Thompson @ 905-666-7600  or by email:

We don’t sell you insurance, we help you buy it ….speaks to the culture at Beyond Insurance! 

Spring means Water!

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Water damage

We have been waiting for Spring, and it appears to be here!

That old saying April showers brings May flowers, can also bring water damage to your property.   We thought you may find  the following loss prevention tips that you can put into place now, outside and inside your home or commercial property.

There’s another old saying, an ounce of prevention is worth a pound of cure. It was Benjamin Franklin that first coined this phrase…a wise man we say.

Please feel free to share these tips provided by our friends at Intact    SpringWaterDamagePrevention