Your credit score can play a significant role in your financial well-being. For instance, many financial institutions will look at your credit score when you apply for a loan, a mortgage or a credit card. A low credit score could make borrowing money or opening a credit card account more challenging. It could also contribute to higher interest rates and higher insurance premiums. Read on to learn more about a credit score and how to keep an eye on it. What Is a Credit Score? A credit score is a number used to predict your credit behaviour, such as how likely you are to repay a loan on time. Cr ..read more

Towing a large load with your vehicle, such as a travel trailer, fifth-wheel trailer or cargo trailer, is a great way to carry additional items without making many trips. When towing, motorists must be careful to prevent accidents and remain safe on the roadways. Before making your trip, here are the top 5 safety inspections you should conduct: Ensure the pin securing the ball mount to the receiver is intact and in place. Look to see that the hitch coupler is secure. Ensure the spring bar hinges are tight with the safety clips in place. Ensure safety chains are correctly attached. Examine the ..read more

Did You Know? Since motorcycles are easily accessible, they are highly prone to theft. If you like to hit the open road on two wheels, be mindful of these theft prevention guidelines to avoid having your bike taken: When you get off your bike, shut off the ignition and then lock it. Lock the forks (disk brakes). Purchase locks that are brightly coloured to discourage potential thieves. Lock multiple motorcycles together if you are travelling in a pack. If you are riding alone, lock your motorcycle to a stationary object that cannot be dismantled such as a light pole. Install an alarm on your ..read more

Dirty and unsafe commercial premises can be hazardous to health and bad for business. Specifically, dirty surfaces are a breeding ground for bacteria and viruses that could cause serious illness among staff, and cluttered workspaces can result in employee injuries. In fact, more than 42,000 workers get injured annually due to slip, trip and fall incidents, according to the Canadian Centre for Occupational Health and Safety. Moreover, poorly maintained buildings can be left looking tired or without vital services, hindering business operations. As such, it’s critical to adequately maintain your ..read more

Artificial intelligence (AI) chatbot ChatGPT has recently made waves for producing human-like text and communications from user inputs. Accessible to anyone with a computer and internet connection, ChatGPT produces usable written material on a wide range of topics and helps make decisions. These functions are leading many employers to consider ways to incorporate this technology into their organizations to enhance workflows, streamline operations and improve customer experience. Since this technology is accessible to employers of all sizes, it presents an opportunity for organizations that str ..read more

Water damage consistently ranks as one of the most common reasons for insurance claims among businesses. This damage is not just expensive; it can also create potential health risks and bring the productivity of businesses to a halt, costing additional time and money. Fortunately, various low-cost preventive measures can help reduce the threat of water damage. Consider the following tips: Maintain heating, ventilating and air conditioning (HVAC) systems. HVAC systems are necessary for maintaining a comfortable work environment but can cause costly water damage when not maintained. As such, in ..read more

Global food consumption reached 2.5 billion metric tonnes in 2021 and has been steadily increasing since 2015, according to data from Statista. To keep up with demand, it’s vital for agricultural sectors to innovate and stay abreast of current trends, particularly those related to efficiencies. Moreover, the effects of climate change continue to impact all industries, and agriculture is no exception. With that in mind, monitor the following five trends in 2023: Artificial intelligence (AI)—AI tools continue to infiltrate the agricultural industry as the world moves further into the digital ag ..read more

Attack surfaces refer to the total possible entry points (also known as attack vectors) for unauthorized access into any system. The recent increase in remote and hybrid work combined with the shift to the cloud and widespread implementation of software-as-a-service (SaaS) applications have made attack surfaces increasingly large, complex and difficult to defend against cyberattacks. As a result, organizations face the challenge of continuously monitoring their attack surfaces to identify, block and respond to threats as quickly as possible. That’s where attack surface management (ASM) can hel ..read more

Your homeowner’s insurance protects your home against common risks like fire, wind, and falling objects, such as tree limbs. But does your policy provide enough coverage to fully rebuild your home?  With guaranteed replacement cost coverage, there is no need to wonder. Guaranteed replacement cost, an option offered with some policies, insures your home for its full rebuild value even if your policy specifies a lower amount. When you buy insurance for your home, you choose a coverage amount for your home itself. These days, the insurer suggests a coverage amount calculated by sophistica ..read more

Well, maybe some of you know these things, but they might be a surprise to many others. Travel insurance can be purchased for a number of situations, including single trips or frequent travel. Policies can also cover trips to other countries or just trips to another province within Canada. Your policy can fit nearly any needs you may have just about anywhere you might want to go.  Pre-existing Conditions May be Covered. This is one coverage area where you’ll want to ask questions, read the fine print, and be forthright in disclosing any pre-existing medical conditions you may have. It’s p ..read more