Our Advice To You

PLEASE NOTE that the Insurance policies summarized herein do not usually contain automatic coverage for all assets, properties, operations, etc.

We request that you clients notify us of changes. Some examples could pertain to:
Changes in organizational structure
Incorporation, merger, acquisition, partnership, new subsidiaries, business name changes.

Changes in business operation
Product, services, markets, territories, operating procedures, distribution, advertising.

Change in projects and forecasts:
Sales, revenues, payrolls, cash flows, borrowing.

New acquisitions/lease/rental use of the following:
Real Estate, equipment, vehicles aircraft, plant and machinery, watercraft mobile equipment.

Significant fluctuations in:
Inventory, transportation, cash, accounts receivable.

Written or informal agreements with:
Contractors, labour agreements, suppliers, customers, others.

Increases in values, costs or items acquired after inception date of your covers.

A potential claim (or loss) would not represent a “change”, but we emphasize the importance of promptly reporting all claims, including the reporting of incidents that may result in a claim.

If you are in doubt, a few minutes discussion by telephone can be time well spent for each of us.