Broker Insights
April 16, 2026
Vape and vapor products are heavily regulated in Canada—and for good reason. From battery malfunctions to health-related claims, vapor product liability presents elevated risks for manufacturers, importers, wholesalers, and retailers. One incident can trigger lawsuits, recalls, and regulatory action. Key Liability Risks for Vapor Products Vapor-related businesses face: Importers and private-label sellers are often treated […]
April 15, 2026
Canada’s legalized cannabis market offers opportunity—but it also operates under intense regulation and heightened liability exposure. Growers, processors, distributors, and retailers all face unique risks that standard commercial insurance often doesn’t fully address. Proper cannabis liability coverage is critical. Key Liability Risks in Cannabis Cannabis businesses may face: Even compliant operators can face claims. Essential […]
February 12, 2026
Short-term rentals through platforms like Airbnb and Vrbo have become popular across Canada—but many homeowners don’t realize that standard home insurance often excludes short-term rental activity. One claim without proper coverage can be costly. Why Short-Term Rentals Change Insurance Risk Unlike long-term tenants, short-term guests bring: Essential Insurance Coverages Platform-provided “host guarantees” are not insurance […]
February 11, 2026
Owning a rented dwelling—whether a condo, duplex, or single-family home—can be a strong investment in Canada. But once tenants move in, your insurance needs change significantly. Standard homeowner policies are not designed for rental properties. Why Rental Properties Need Special Insurance With tenants occupying the space, landlords face added risks: Key Coverages for Rented Dwellings […]
February 10, 2026
Remote and rural homes offer privacy, space, and breathtaking surroundings—but when there are no nearby fire hydrants, insurance risk increases significantly. In Canada, limited fire protection is one of the biggest factors affecting home insurance availability and cost. Why Fire Protection Matters Insurers assess: Homes far from hydrants or municipal services may face: Key Insurance […]
February 9, 2026
Flooding is one of the most costly and common natural disasters in Canada, affecting communities from coastal regions to river valleys and urban centres. If your home is in a flood-prone zone, insurance planning becomes critical. How Flood Risk Impacts Insurance Standard Canadian home insurance policies do not automatically cover overland flooding. Homes in high-risk […]