With the EDC’s two new financing initiatives to help small and medium sized businesses overcome the challenges of COVID-19, we wanted to ensure you are aware of the financing that may be available to your organization. The Canadian Emergency Business Account (CEBA) offers up to $40,000 in interest free loans to eligible micro and small…
Cyber security threats and trends are constantly evolving as technology continues to advance at an alarming pace. As such, it’s imperative for organizations to assess their data protection practices regularly and make achievable cyber security resolutions to help protect themselves from costly breaches: This article is for informational purposes only and is not intended as…
We live in an age where organizations store most of their information digitally. Businesses are responsible for protecting any sensitive data like their clients’ personal information. Therefore, companies need to take appropriate steps to ensure their data isn’t breached or compromised. Having a strong understanding of the risks associated with data and IT security can…
In today’s world, technology causes us to become more distracted behind the wheel than ever before. Many distractions exist while driving, but cell phone usage ranks at the top of the list. Think of how many alerts, texts, e-mails, calls, and voicemail messages you receive in a given day on your phone; now, imagine looking…
Rayner Agencies Ltd. is proud of staff member Kayla McLaughlin (seated in the front row, third from the right) as she participates in the CAIB insurance immersion courses offered in Humboldt. We are pleased to report that Kayla passed the continuing education exams with flying colors. As of this date, Kayla has returned to Humboldt…
For your convenience, we accept electronic bill payments from the following banks: Canadian Imperial Bank of Commerce (CIBC) President’s Choice Financial Bank of Montreal (BMO) Royal Bank of Canada (RBC) HSBC BANK CANADA Credit Union (please check with your specific branch) TD Canada Trust National Bank For most institutions that provide consumers with online or…
On Friday, May 5, 2006, the Supreme Court of Canada released its decision regarding the liability of social hosts and the duty they owe when hosting a party where alcohol is served. To read more about this decision, click here.
License plates may be cancelled at any time by the registered owner. If the registered owner is unable to come into an office they may send someone in on their behalf with written permission to complete the transaction. On your vehicle registration there is a section for cancellation release, this may be signed if you…
Contents If you rent a house, apartment or condominium, you’re probably thinking there are some obvious reasons why you should purchase Tenants Insurance: like break-ins and theft, for example. But what about unexpected events like fire or water damage—did you know that your contents are not insured by your Property Manager or Landlord’s insurance policy?…
If your antiques and collectibles are one-of-a-kind items, you may wish to have a qualified appraiser place a value on your collection. Your property can then be scheduled on (or written into), your Insurance Policy with specific values on each item. Your Insurance Broker can advise if your Insurance Policy covers your “art works, antiques,…
Standing Up for Small Business By: Robert J. Kimball, Past President, Insurance Brokers Association of Canada (IBAC) The election of Prime Minister Stephen Harper’s Conservative government has several implications for our industry. One obvious change is the shift to new and different contacts and ministers responsible for broker and insurer issues. While we have worked…
The 2010 Flood Protection Program was established as a result of the June 29-30, 2010, rain storm to assist eligible property owners with the installation of protective plumbing to decrease the risk of future flooding and the resulting damage. The Program identifies eligible homeowners, and then provides assistance to upgrade plumbing to the latest (as…