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4 Hazards to Watch For on Construction Sites
Construction sites are dynamic and fast-paced environments—and they present some of the most serious safety risks in any industry. From working at heights to operating heavy machinery, construction workers face hazards every day that require constant awareness and proper safety measures. According to the Workers’ Compensation Board of British Columbia, more than 1,000 construction workers…
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Understanding and Preventing Fleet Fraud
For businesses that rely on vehicles—whether a few service vans or an entire fleet of transport trucks—fraud is an often-overlooked but serious risk. Fleet fraud refers to a range of deceptive practices that can occur during the purchase, operation, or maintenance of company vehicles. Beyond the immediate financial impact, these scams can disrupt business operations, increase insurance…
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How to Build a Group Benefits Plan That Scales with Your Growing Business
*This post is from CMB partner Finuity Wealth. Find out more about group benefit solutions here. As your business grows, so do the expectations of your team—and the demands on your group benefits plan. What may have worked in the early stages can quickly start to strain under the weight of a larger, more complex organization.…
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The Future of Hybrid Work
When the COVID-19 pandemic upended traditional office life, organizations around the world had to adapt quickly. Hybrid work emerged as a practical solution—combining remote flexibility with the collaboration and connection of in-person work. Employees learned to navigate virtual tools and flexible schedules, while employers refined policies to maintain productivity and engagement. What started as a temporary adjustment has now…
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How Life Insurance Can Solve Family Inheritance Challenges for Legacy Assets
*This post is from CMB partner Finuity Wealth. Find out more about group benefit solutions here. For many Canadians, the assets they hope to pass down—like a second property, family business, or recreational land—carry far more than financial value. They represent legacy, identity, and shared memories. But when it comes time to pass these assets on,…
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Winter-proofing Your Home
As the cold weather sets in, taking time to prepare your home for winter can make a big difference. A few simple steps now can help keep your space warm and comfortable, protect your property from damage, and prevent costly surprises later on. Proactive winter-proofing not only saves energy and reduces bills but also helps…
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5 Workplace Safety Trends to Watch For
Ensuring employee safety and reducing the risk of workplace accidents remain top priorities for organizations across all sectors. While many aspects of occupational safety are longstanding, the field is constantly evolving. To stay ahead, employers need to be aware of emerging trends and adapt their risk management strategies accordingly. Here are five key trends currently…
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5 Cybersecurity Mistakes and How to Avoid Them
According to cybersecurity company Proofpoint, 68% of working adults in Canada admit to taking risky actions, such as reusing or sharing passwords, clicking on links from unknown senders, or handing over their credentials to an untrustworthy source. Understanding how to avoid such cybersecurity mistakes is essential to minimizing risk. All organizations, regardless of their size…
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Fostering a Safety Culture Checklist
In recent years, more employers have moved past the old idea that safety programs only apply to certain industries or departments—or that their only purpose is to prevent injuries. Today, it’s widely understood that a strong safety culture benefits every part of an organization. Beyond protecting employees, it helps boost morale, build stakeholder trust, improve…
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Playing Your Part in Workplace Accident Prevention
Workplace accidents can happen at any time, often when you least expect them. However, many incidents are preventable with the right mindset, safe working practices and a commitment to precaution. Causes of accidents can almost always be traced to a dangerous act, an unsafe condition or a combination of the two. In most instances, an…
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Cargo Spill Prevention Strategies
A cargo spill occurs when goods, liquids, or raw materials unintentionally escape from a truck or other freight vehicle while on the road. Almost any type of load can spill, but common examples include large machinery, bulk dry goods (such as grain, gravel, or sand), packaged items, livestock, and hazardous materials like chemicals, oil, or…
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Protecting Your Business From AI Chatbot Errors
For many businesses, operational efficiency and great customer service go hand in hand. That’s why more organizations are turning to artificial intelligence (AI) chatbots. From answering customer questions to troubleshooting tech issues, these tools offer real advantages—speed, scalability, and 24/7 availability. They can even help with sales by recommending products, engaging prospects, and identifying qualified…
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Understanding the Importance of GAP Coverage
For many people, purchasing a vehicle—whether brand new or new-to-you—is one of the biggest financial commitments they’ll make. But here’s something many drivers don’t realize: the moment you drive your car off the lot, it begins to lose value. According to industry experts, vehicles typically depreciate by about 20% in the first year alone, and then…
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6 Strategies for Reducing Your Heating Bill This Winter
When the cold weather sets in, most of us rely heavily on our home’s heating systems to stay comfortable. But as temperatures drop, energy use climbs—and so do monthly bills. For many households, this increase can put significant pressure on the family budget. In fact, a Statistics Canada study found that 1 in 7 Canadians have…
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Protecting Your Home From Electrical Hazards
Electricity is at the heart of modern life. From lighting and heating to powering our favourite devices, it’s something we rarely think twice about—until a problem arises. Unfortunately, electrical hazards are a leading cause of residential fires and can result in devastating injuries, property damage, and costly insurance claims. According to the National Fire Information…
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Preventing Tech Support and Internal Help Desk Scams
Cybercriminals’ methods for infiltrating networks and stealing sensitive data are constantly evolving. Among the most deceptive tactics they use are technical support scams and internal IT help desk scams. In tech support scams, attackers pose as representatives from well-known technology companies, claiming they will fix non-existent issues. They may use unsolicited pop-up messages, social media…
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Preparing Commercial Properties for Fall and Winter
As the cooler months settle in, it’s important for organizations to get ahead of seasonal challenges with proactive property maintenance. Fall and winter bring their share of risks—from wet leaves and icy walkways to heating breakdowns and frozen pipes. Left unaddressed, these issues can jeopardize safety, interrupt daily operations, and even result in costly liability…
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Cybersecurity Tips for a Distributed Workforce
Remote and hybrid work models are here to stay for many Canadian organizations. While these arrangements offer greater flexibility and productivity, they also open the door to new cybersecurity risks. Employees working from home, in coffee shops, or while travelling may inadvertently expose their organizations to threats through unsecured Wi-Fi, outdated software, weak access controls,…
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Should You Offer Critical Illness Insurance as a Voluntary Benefit?
*This post is from CMB partner Finuity Wealth. Find out more about group benefit solutions here. Critical illness insurance can be a valuable addition to any group benefits program—but should it be employer-paid, employee-paid, or offered as an optional add-on? The right approach depends on your company’s goals, budget, and culture. Understanding the trade-offs will help…
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Upskilling Employees on AI and Technology
As artificial intelligence (AI) and emerging technologies rapidly transform the workplace, employers face a critical question: Are their teams ready for what’s next? In many industries, the answer is “not yet.” While companies embrace digital transformation, many employees remain underprepared to work alongside advanced technologies like artificial intelligence (AI) that change monthly or even weekly.…
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How Small Businesses Can Reduce Insurance Expenses
As risks evolve and market dynamics shift, small businesses should explore ways to reduce insurance expenses—without compromising on coverage—to stay protected, resilient, and financially agile. Insurance premiums are a significant recurring operational cost, especially for small businesses. Core policies—such as general liability, property, and auto insurance—are essential for risk mitigation, yet their cumulative cost can…
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Debunking 5 Common Cybersecurity Myths
Cybersecurity continues to be one of the biggest challenges for businesses of all sizes. Unfortunately, a number of persistent myths and misconceptions can lead to dangerous gaps in protection. Believing these myths may give organizations a false sense of security and leave them more vulnerable than they realize. Myth 1: Only large corporations need cybersecurity.…
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How AI Is Making Phishing Attacks Smarter—and What Your Business Can Do About It
Phishing has long been a serious threat to businesses—cybercriminals send emails or messages that trick people into revealing sensitive information or installing malware, often causing financial loss or damaging a company’s reputation. But now, there’s a new twist: phishing attacks are getting a boost from artificial intelligence (AI), making them harder to spot and even…
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Factors That Affect Your Homeowners Insurance Premiums
Homeowners insurance sometimes feels like just another item in a long list of regular expenses. But understanding the various factors that go into determining your premiums can help you make more informed decisions—and possibly uncover ways to reduce costs without sacrificing essential coverage. How Are My Homeowners Insurance Rates Determined? Insurance carriers assess multiple criteria…
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Preventing Employment Practices Liability Claims
Any organization with employees is vulnerable to claims of wrongful employment practices, which can result in costly litigation, reputational harm and financial losses. Employment practices liability claims can occur when a current, former or prospective employee believes their workplace rights have been violated. Examples include discrimination based on a protected class, sexual harassment, wrongful termination…
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Mitigating Cybersecurity Risks in Manufacturing
Although technological advancements in the manufacturing industry provide several benefits, they also present cybersecurity exposures. The expanded use of digital tools such as artificial intelligence (AI), digital sales platforms, and smart machinery broadens the attack surface for cybercriminals, and resulting cyberattacks can cause significant business disruptions, reputational damage and financial losses. Robust cybersecurity measures are…
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Understanding and Preventing Zero-click Attacks
Many types of cyberattacks involve manipulating users into performing specific tasks—such as sharing login credentials, downloading malicious attachments, or clicking on harmful links—to help hackers compromise their systems or data. However, some incidents can be launched without these exchanges. In particular, zero-click attacks involve hackers exploiting software flaws in users’ devices or applications to deploy…
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Navigating Insurance: Trends & Tips for 2025
In today’s evolving insurance landscape, staying informed is the key to controlling costs, improving coverage, and gaining a competitive edge. With shifting market conditions and emerging risks impacting everything from property to cyber security, it’s critical to understand how current trends can affect your business or personal coverage. We’ve compiled the latest insights across 12 key insurance categories, highlighting…
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Ensuring Eye Safety at Work
Eye injuries, ranging from minor irritation to significant vision loss, occur in workplaces across Canada. However, most eye injuries are preventable with the proper protective measures and equipment. Understanding the specific eye risks you could face—and the precautions you can take to minimize them—is essential for ensuring your safety at work. Top Causes of Eye…
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Standalone vs Shared Interest Critical Illness Insurance: Which One Fits Your Business?
*This post is from CMB partner Finuity Wealth. Find out more about group benefit solutions here. Critical illness insurance is a valuable tool for protecting your business and your team from the financial impact of serious health events. However, not all policies are structured the same way. For business owners looking to offer coverage for themselves…
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Benefits of Cybersecurity Awareness Programs
Cybersecurity awareness programs offer informative training sessions on cyber threats and best cybersecurity practices. These programs aim to educate employees and organizations about the importance of maintaining a secure online environment and the potential risks associated with cyberattacks. These programs can offer several benefits to organizations, such as: When implementing cybersecurity awareness programs, organizations should…
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Preventing Water Damage in Commercial Properties
Water damage in commercial properties can occur from various sources and situations, including plumbing failures, roof leaks, flooding, sewer line backups, industrial system failures, poor drainage, inadequate waterproofing and climate control system issues. Unfortunately, water damage within commercial properties can lead to expensive repairs (e.g., replacing damaged equipment and addressing structural issues), business interruptions (e.g.,…
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Are You Covered in the Event of a Wildfire?
Wildfires can spread fast, cause harm and destroy homes. Your home is likely to be your biggest asset, and it’s essential to safeguard it. Proper insurance protection can help you rebuild your home and replace your belongings following a wildfire. Here are five tips you should follow to make sure you’re protected against wildfires: Every…
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Key Benefits of Business Continuity Planning
Various unexpected disasters can impact your organization, its stakeholders, and its operations. Events such as natural disasters, cyberattacks, public health crises, and supply chain incidents can have severe consequences. These emergencies can damage commercial property and digital assets, disrupt critical business functions and cause prolonged operational downtime. They can also result in severe illnesses or…
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Mitigating VPN Vulnerabilities
A virtual private network (VPN) is a type of technology that uses an encrypted connection to route internet traffic through a remote server, granting a user access to certain digital services while masking their online activity. Connecting to a VPN establishes a secure tunnel between a user’s device and the internet, making it appear as…
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Near Misses: Why Reporting Close Calls Matters
In every workplace, there are moments when something almost goes wrong—a forklift tips but doesn’t fall, a machine sparks but causes no harm, or a worker slips but catches themselves. These are known as near misses. While they may not result in injury or damage, they are powerful indicators that an organization’s operations, safety procedures…
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Been impacted by a flooding event? What’s next?
The immediate aftermath of a flooding event can be overwhelming, and knowing where to turn can be difficult. We are here to help. The following guidance outlines essential information to help you navigate the recovery process. Insurance Tips Personal Safety Guidance Weather Alerts Disaster Assistance Recovery Resources Knowing where to go for help and what…
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Critical Illness vs. Disability Insurance: What’s Right for You?
*This post is from CMB partner Finuity Wealth. Find out more about group benefit solutions here. When it comes to protecting your financial future, many Canadians assume that either disability insurance or critical illness insurance will do the job. In reality, they serve very different purposes. Understanding the difference—and why you might need both—is key to…
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Insurance Essentials for Roofing Contractors
As a roofing contractor, you know that no two days on the job are the same—whether you’re repairing a leak, installing a new roof system, or replacing damaged materials after a storm. You work at heights, handle specialized equipment, and face unpredictable conditions, all while managing a business and a team. That’s why having the…
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Insurance Basics Every Plumbing Contractor Should Know
As a plumbing contractor, your job goes beyond fixing leaks and unclogging drains—you’re running a business that depends on tools, vehicles, people, and strong client relationships. Whether you’re working on new installations, troubleshooting plumbing systems, or handling emergencies, your work involves risks that could impact your operations and income. From damaged tools to job site…
