Category - Agri-Post Articles

When talking about Group Benefit Plans, the conversation often seems to be spent mostly on questions about the type of Dental coverage, limits within the Extended Health portion of coverage, is travel insurance included, is a doctor’s referral required for massage therapy…all are important points but few want to talk about what I believe is …

We hire contractors to build, repair and to do general maintenance on a regular basis. Have you ever thought about what would happen if there were damages caused because of their work? Imagine you own a building and operate your business in it and you rent out some areas of the building that you do …

Your life is an asset, just like a car, a home, or a business. When you lose it, you lose it unless you buy insurance to replace the value. You have the option to buy family lifestyle protection life insurance to assure your kids and spouse needs are met and business life insurance to protect …

Insurance companies take vacant buildings very seriously. The claims experience with vacant buildings has not been good so the rules in these situations are quite stringent. Examples of vacant buildings are a house, barn or office building. We are not talking about an empty machine shed or grain bin. These are typically empty on a …

Do you operate both a farm and a business? Did you know that you need to discuss this with your insurance broker? All policies contain limitations and one very basic one is that a farm policy is to cover farm property and operations not business property and operations. A farm policy will not automatically cover …

Dale Rempel has been named president of the Insurance Brokers Association of Canada (IBAC) at the annual general meeting held in Banff this past September. This is the highest position an insurance broker can fill and we are very proud of Dale especially when you consider the health issues that he has gone through the …

You could have a collision with your tractor or your combine could catch on fire. Does your insurance policy pay for repairing the machinery without deducting depreciation on the parts? If you are the first owner of this unit and it is less than 5 years old are you covered for the full cost of …

Many people believe that incorporation creates a legal veil leaving limited liability behind. This is not the case. Directors and Officers of a corporation are responsible for their actions, the actions of the corporation and in some instances the actions of other directors. The courts have assessed damages against directors of corporations for wrongful actions. …

We hire people to do odd jobs all the time. Some are licensed and insured sub-trades, some are general contractors, and some are your best friend’s teenager son. If something goes wrong, this can create an entire string of events involving you, the hired individual, your insurance company and their insurance company if they have. …

What will you do if you have an accident with your seeding equipment or if your combine is damaged by a rock or it catches on fire. You cannot afford to be without any of these pieces of machinery so you will rent a replacement.  Does your insurance policy pay for these rental costs while …