February 2026 - Insurance Champion

February 10, 2026

⚙️ Product & Completed Operations Liability for BC Manufacturers and Contractors 🏗️🇨🇦

In British Columbia, manufacturers and contractors face unique risks—not just during production or on-site work, but long after a project is completed or a product leaves the facility. That’s where Product & Completed Operations Liability coverage becomes essential. 🔧 What It Covers 📌 Example Scenarios Both situations could expose your business to significant legal and financial consequences without this coverage […]

Blog 0 1 min read

February 9, 2026

🛡️ Commercial General Liability (CGL): What It Covers—and What It Doesn’t 🇨🇦

For businesses across Canada, Commercial General Liability (CGL) insurance is one of the most important layers of protection. It safeguards your company from many common risks—but it doesn’t cover everything. Knowing these boundaries helps you make smarter decisions about your overall insurance strategy. ✅ What CGL Covers ❌ What CGL Doesn’t Cover ⚖️ The Takeaway CGL provides essential protection against […]

Blog 0 1 min read

February 7, 2026

Commercial Property Insurance in British Columbia: Replacement Cost vs. Actual Cash Value

When it comes to protecting your business in British Columbia, commercial property insurance is one of the most important safeguards you can have. But a key decision is often overlooked: should you insure your property at Replacement Cost (RC) or Actual Cash Value (ACV)? 🤔 🏗️ Replacement Cost (RC) RC coverage reimburses you for the cost of repairing or replacing […]

Blog 0 1 min read

February 6, 2026

🔍 Underwriting Inspections: What Carriers Look For 🏢🇨🇦

If you’re applying for or renewing commercial property insurance in British Columbia, don’t be surprised if your insurer schedules an underwriting inspection. These reviews help carriers assess your risk profile—and can directly affect both premiums and coverage terms. ⚡ Key Areas Inspectors Focus On 📌 Why It Matters ✅ The Takeaway An underwriting inspection isn’t something to fear—it’s an opportunity […]

Blog 0 1 min read

February 5, 2026

📢 Reputation & Crisis Management Coverage Options 🇨🇦

In today’s hyper-connected world, a single incident can escalate in minutes—whether it’s a data breach, product recall, workplace accident, or negative media story. For Canadian businesses, protecting against reputational harm is just as vital as insuring property or liability risks. That’s where Reputation and Crisis Management Coverage comes in. ⚡ What It Covers 📌 Why It Matters in Canada ✅ […]

Blog 0 1 min read

February 4, 2026

📂 Claims Management: Documentation, Subrogation & Recovery 🇨🇦

Filing an insurance claim is only the first step. How the claim is managed can have a major impact on the outcome—for both policyholders and insurers. In Canada, effective claims management often comes down to three essentials: documentation, subrogation, and recovery. 📝 Documentation ⚖️ Subrogation 💰 Recovery ✅ The Takeaway Effective claims management isn’t just about filing a form—it’s about […]

Blog 0 1 min read

February 3, 2026

🚢 Cargo Insurance & Trade Terms (Incoterms) for Importers/Exporters 🇨🇦🌍

International trade is the lifeblood of many Canadian businesses—but it comes with significant risks. Whether shipping goods across the Pacific, trucking over the U.S. border, or moving freight by rail, understanding cargo insurance and Incoterms is essential to protecting your bottom line. ⚡ Cargo Insurance Basics 📑 Why Incoterms Matter Incoterms (International Commercial Terms) define who is responsible for costs, […]

Blog 0 1 min read

February 2, 2026

🔄 Group Health Plan Portability in Canada: Why It’s More Important Than Ever 🇨🇦💼

In today’s mobile workforce, changing jobs shouldn’t mean leaving health coverage behind. That’s where group health plan portability comes in—and it’s becoming essential in Canada’s evolving benefits landscape. 📦➡️📋 👥 The New Reality of Work More Canadians are working in:🔹 Freelance and contract roles.🔹 Gig economy jobs.🔹 Multiple positions across their careers. The days of “one job for life” with […]

Blog 0 53 sec read

⚙️ Product & Completed Operations Liability for BC Manufacturers and Contractors 🏗️🇨🇦

🛡️ Commercial General Liability (CGL): What It Covers—and What It Doesn’t 🇨🇦

Commercial Property Insurance in British Columbia: Replacement Cost vs. Actual Cash Value

🔍 Underwriting Inspections: What Carriers Look For 🏢🇨🇦

📢 Reputation & Crisis Management Coverage Options 🇨🇦

📂 Claims Management: Documentation, Subrogation & Recovery 🇨🇦

🚢 Cargo Insurance & Trade Terms (Incoterms) for Importers/Exporters 🇨🇦🌍

🔄 Group Health Plan Portability in Canada: Why It’s More Important Than Ever 🇨🇦💼

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