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Follow Me on TwitterLorne Wiebe is a well known former Cornwall broadcaster. Even though he now calls Ottawa his home, he has a special affinity for Cornwall and SD and G. He now works at Rhodes & Williams Insurance Ltd. and partners with the local business community to help them deal with their day to day risks. If you have questions or wish to contact Lorne, you can email him at Lornew@rhodeswilliams.com

Presented here is a general article about insurance. The discussion is general in nature, and does not constitute insurance advice. This is not intended to be a description of coverage, and does not include details of the coverage nor the terms, conditions, qualifications, limitations and exclusions applicable. Policies should be reviewed in their entirety and related to your specific operations. Many insurers permit changes (Changes to insurance policies are usually called 'endorsements' or 'riders') in their limitations or exclusions to match your specific requirements. As insurance advice must be tailored to the specific circumstances of each situation, nothing provided herein should be used as a substitute for the advice of a competent insurance broker. IN NO EVENT WILL RHODES & WILLIAMS LIMITED BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION PRESENTED IN THIS DOCUMENT.

The Evolving Pollution Insurance Exposure
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The Evolving Pollution Insurance Exposure

Oct. 14, 2014: All businesses have their inherent risks but a potential environmental exposure is something that requires unique pollution insurance coverage. And even though there are perhaps dozens of types of business that could face environmental losses (excavators, HVAC companies, sewage pumpers, waste management facilities, fresh water delivery services, etc) most share the same questions when it comes to risk management and pollution insurance. FULL STORY

What’s Your Biggest Fear?
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What’s Your Biggest Fear?

Jun. 4, 2014: So…what scares you? Spiders…snakes…breaking out before your big date? We all have fears and often there isn’t much we can do about them. But when it comes to running your business, there are tools available to help alleviate your biggest fears and one of those tools is insurance. So… what scares you? Is it... FULL STORY

A New Year and New Risks
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A New Year and New Risks

Jan. 20, 2014: Was 2013 a good year for your business? Did it grow? Did it shrink? Did it stay about the same? Each of these scenarios bring with them a certain set of challenges including new business risks and with 2014 here, now is a good time to re-examine your company’s exposures. Let’s take these three scenarios one at a time… FULL STORY

Your Most Valuable Contract of the Year
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Your Most Valuable Contract of the Year

Oct. 9, 2013: Think back to the biggest sale your company made last year. What was its dollar value; $5,000...$50,000...$500,000? How much time did you and perhaps your team put into making that sale happen? Was it a few days or maybe weeks? Perhaps it took a couple of months and many meetings. When it comes to the biggest transaction of the year, you want to make sure that everyone understands what they are getting, when they are getting it, what to expect and what it will cost. FULL STORY

Business Insurance - Frills
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Business Insurance - Frills

Aug. 8, 2013: If your business insurance policy was a restaurant menu, what we'll talk about today would likely be considered the "side dishes". Just like the vegetables or rice help to compliment the main attraction of either steak or fish, there’s whole host of smaller coverages which are often included in commercial insurance policies which accompany the property and liability, or the “meat" of your coverage. And even though a lot of those who work in the insurance industry consider them to be “frills”, these so-called frills can become awfully important if your business suffers a loss FULL STORY

Are You Paying Too Much for Business Insurance?
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Are You Paying Too Much for Business Insurance?

Jun. 25, 2013: The very first time that I work with a potential client, I'll often ask them if they think they're getting good value for their business insurance dollar. Most of the time, the response is a chuckle followed by something along the line of "How in the world should I know if I’m paying too much for my insurance?" FULL STORY

Is Your Broker a Price Shopper or Risk Manager?
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Is Your Broker a Price Shopper or Risk Manager?

May. 16, 2013: The phone rang in my office and it was a potential client who wanted a business insurance quote. He was on the board of a sports association and he had been tasked by his fellow board members to get the best insurance price possible. Someone even gave him a list of the coverage they would need and the limits of insurance for each coverage. He forwarded me the document. FULL STORY

One Size Doesn’t Fit All
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One Size Doesn’t Fit All

Feb. 25, 2013: If you run your own business, you know that it’s unique. Not all restaurants, for example, serve the same food to the same people during the same hours in the same neighbourhood. Some offer take out while others don’t. Some only serve breakfast and lunch while others only serve dinner. And so it goes with whatever type of business you operate and that’s why it’s critically important that your insurance broker fully understands the full scope of your operation. FULL STORY

Join the Club - But Beware!
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Join the Club - But Beware!

Jan. 14, 2013: Most of us like to help out whenever and wherever we can. Occasionally we’re asked to sit on a fundraising committee for a particular charitable cause or perhaps we’re tapped on the shoulder by a friend involved in a not-for-profit group. Maybe you sit on your condominium board or perhaps you help run the local festival. Often we say yes to these requests with our only concern being how are we going to fit yet another meeting into our busy calendar. FULL STORY

Take it to the limit
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Take it to the limit

Oct. 2, 2012: As a business owner, you hope that you've done the right things when it comes to protecting your company and managing its risks. With the help of your insurance broker, you've made sure that the proper coverages are in place, including the property, liability, equipment breakdown and business interruption products. FULL STORY


11We All Make Mistakes
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