Storefronts in Ottawa’s Glebe neighbourhood are reflected in a sign indicating the temporary closure of a business to prevent the spread of COVID-19, on March 24, 2020.

The Canadian Press

Ontario’s Finance Minister is urging insurers to stop discriminatory pricing in commercial business policies as almost half of Canadian small businesses report their insurance costs are creating financial pressures during the global COVID-19 pandemic.

“Our government has been keeping a close watch during this pandemic to ensure insurance companies are meeting the needs of small businesses during this unprecedented time,” Finance Minister Rod Phillips told The Globe and Mail in an e-mail.

“My message to insurance companies has been clear: I expect you to treat your customers fairly.”

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Since the onset of COVID-19, the Canadian Federation of Independent Business (CFIB) – an association with 110,000 small-business members – has seen a growing number of small-business owners contacting the association’s hotline with concerns about the rising cost of insurance.

About 48 per cent of small-business owners say their insurance costs are creating financial pressures on their overall business, according to a recent CFIB survey.

Most businesses require commercial business policies, covering policyholders for fire, theft, liability and, in some cases, business interruption. Some Ontario bars and restaurants have seen premium increases of as much as 300 per cent this year when they went to renew policies, while others have been refused insurance entirely.

The hospitality sector is only one group that has experienced premium rate hikes among small businesses. CFIB chief executive officer Dan Kelly says manufacturers, professional services firms, and transportation companies – such as taxis and the trucking industry – have all reported insurance concerns when it comes to renewing existing policies.

“Some of this was happening prepandemic,” said Mr. Kelly in an interview. “We

  • Workers at chains including Whataburger, Ralphs, and Whole Foods are fighting for their right to wear Black Lives Matter masks and other gear on the job. 
  • Employers have the right to create dress codes that prevent workers from wearing clothing with any sort of messaging, according to employment and discrimination attorney Wendy Greene. 
  • However, if these policies are not regularly enforced, employers could be subject to discrimination claims. 
  • “Even though generally, employers are within their legal rights to bar employees from wearing ‘Black Lives Matter’ masks and shirts, employers should shift the focus from whether I can legally do so to should I do so?” Greene said.
  • Visit Business Insider’s homepage for more stories.

Workers are fighting for their right to wear Black Lives Matter gear on the job. But, can they win in court? 

Last week, Ma’Kiya Congious filed a complaint with Texas officials against Whataburger, saying the burger chain pushed her out after she wore a Black Lives Matter mask to work. Congious’ attorney says she plans to file a racial-discrimination lawsuit against the burger chain. 

Labor union United Food and Commercial Workers Local 21 also filed an unfair labor charge against Kroger-owned supermarket chains QFC and Ralphs in September, saying Seattle-area employees were told to remove Black Lives Matter buttons. 

Meanwhile, back in July, Whole Foods workers filed a class action suit against the grocery chain, saying they were prevented from wearing Black Lives Matter masks on the job. The lawsuit now involves 28 Whole Foods and Amazon employees in nine states, some of whom say they were sent home or threatened with termination for wearing BLM gear. 

The chains and a number of other companies that have banned employees from wearing BLM apparel at work emphasized that they were not specifically barring workers from wearing BLM

MELBOURNE, Fla., Sept. 29, 2020 /PRNewswire/ — The website has gone live for consumers and agents to quote, compare and purchase flood insurance policies from multiple flood insurance companies, as well as from the National Flood Insurance Program (NFIP) administered by FEMA. The free, one-stop site is aimed at giving users the ability to research and select from competitive flood insurance rates and customized coverages to help best protect their property in the event of flood damage.

Aurora Technologies developed the website to assist the self-reliant consumer, as well as support insurance agents in securing flood coverage. Through, property owners complete three simple steps to generate flood coverage quotes from the NFIP and various private insurance offerings in less than one minute. Insurance agents are given credentialed access to discover and write flood policies from several top-rated private flood companies and one of the largest providers of NFIP policies, all of which are represented in the same portal.  The selection of flood coverage plans the website offers for consumers and agents to evaluate will depend on the geographic location of the property.

“ was created to serve the flood insurance market in response to the demand for comparison shopping and digital self-service tools that have emerged in other segments of the insurance industry,” said Amanda Bryant of Aurora Technologies.  “We believe that facilitating access to flood insurance products and plans will encourage more consumers to purchase such essential protection for any property, anywhere.”

According to the Insurance Information Institute, only 15% of homeowners in the U.S. have flood insurance coverage. Yet, FEMA data shows that all 50 states and 99% of U.S. counties have experienced some form of flooding disaster in recent years.

“The flood insurance industry has grown with the availability of private offerings to

The word insurance refers to any settlement the place an individual pays another particular person or business to indemnify the protection, but to be more precise, pay for the replacement of any such personal property if said possession is misplaced, destroyed, or damaged in another approach other then the neglect or willful destruction of the property by mentioned proprietor. Medical expense coverage is required within the quantity of $5000 for every automobile you insure in your coverage. As a substitute strive elevating your deductible amount (the quantity you pay first in the event of an accident before your insurance firm kicks in with its payment).

In fact, he nonetheless introduced in income nicely above the six-figure mark some 35 years in the past and could have been very financially safe if he had taken the time to handle the cash carefully. Regardless that they stay in a more developed nation, not everybody can afford or have entry to quality well being care.

The insurance firm, hoping to reduce its losses, takes a extra optimistic outlook of your luck in life, and bets that you’ll not need to make a claim. The small enterprise sees this as a chance as a result of business is booming and so they do not must pay People twice as much to do the job of the illegal.

A 2008 survey of doctors in America confirmed that the majority of them favored a universal healthcare program. Discovered within the healthcare invoice. Insurance adjusters prefer to swoop in with their favourite approved restoration contractor and do a “pack-out.” However your insurance coverage has a restrict on Private Property.

Therefore, when ones’ car hit a wall or has misplaced its brake and fell down a ravine, the insurance firm is just not held liable for fee. This …

What is Performance Primarily based Insurance? You’re right that insurance premiums aren’t the only drive behind the excessive costs, nonetheless, the med. This can require quite a lot of measures including very tight regulation of health care insurance companies who carry out no vital function. That is my downside with healthcare.

A person may be a gaggle of people, a company or a human being underneath law. If you are aged over sixty five, and have a life insurance coverage, you could possibly sell the policy. In Canada they get pleasure from mostly free well being-care however must endure atrocious wait instances for vital procedures.

There must be a possibility to counter provide, or even simply to flat out not settle for, because they can’t lawfully compel us into a contract. Like any other factor, research is the easiest way to search out the right medical insurance firm for you.

That stated, there is no such thing as a evidence to suggest that a program for universal healthcare would restrict salaries to such an extent that might trigger a loss of expert expertise. There are few unique sorts of Insurance contracts are available for any one that wish to be coated in Insurance contracts.

The government is the reason for the problems in home prices (CRA), college tuition charges (gov stud loans), and healthcare (tort, insurance regulation). Subsidy primarily based or standard insurance could be described as “guaranteed price insurance.” Firms pay a set premium no matter their claim levels.…