Commercial General Liability (CGL) insurance is intended to cover damages caused by negligence that has resulted in property damage or bodily injury. CGL policies may also cover defence costs*.
It’s important that brokerages have CGL insurance to protect REALTORS® from third-party claims. While some claims may be covered under a sellers’ insurance policy, Realtors may still be involved in a lawsuit if the property owners seek recovery for damages caused by the negligence of the Realtor. In other cases, the seller may not have insurance and the Realtor will be sued directly by the injured party.
Given the disruption of routines, it’s understandable that quarantine can be a stressor for many. As we’ve all had to find ways to rearrange our daily lives, many are abandoning their healthier eating habits due to a lack of regular schedule, stress and boredom. While there’s nothing wrong with indulging in comforting or convenient foods every once in a while, it should also be the exception rather than the norm. With refrigerators and endless snacks now always within reach, it may take a bit more self-control and mindfulness than usual to help keep the Quarantine 15 at bay. However, there are still ways you can eat well during this time of social isolation while keeping your sanity too.
While the peak of COVID-19 panic purchasing has died down, these stockpiling behaviours inevitably have created supply chain issues for numerous industries, including life sciences. As we make our way through uncharted territory, the global pandemic has highlighted weaknesses in our medical supply chain that poses a danger to public health.
When it comes to protecting our health during this pandemic, we all know the importance of physical distancing measures and regular handwashing. However in addition to these recommended behaviours, improving your quality of sleep can go a long way in boosting your overall health. Aside from playing a critical role in your physical health and the effectiveness of your immune system, sleep is a key promoter of emotional wellness and mental health. With that said, you may be finding that getting quality sleep is hard to come by with all that’s going on right now. Despite these stressful and uncertain times, there are concrete steps you can take to help you wind down to get a good night’s rest.
As the coronavirus (COVID-19) outbreak evolves, businesses face growing uncertainty as to how this pandemic will affect their operations long term. This is especially true when you consider that many organizations—including bars, restaurants, entertainment venues, retailers and manufacturers—have had to close their doors or cease operations as a result of COVID-19. Not only has this severely impacted their ability to serve their customers, but, for some, it has also led to indefinite disruptions—disruptions that could impact their bottom line.
For restaurants, offering delivery service provides a convenient food option for your customers. It can also lead to increased business opportunities for your restaurant.
If you’ve ever felt exhausted, overwhelmed and unable to cope with the demands of life, chances are you’ve reached a point of burnout. While burnout isn’t a medical diagnosis, it’s still a condition that shouldn’t be ignored. Affecting our physical, mental and emotional state, burnout is often experienced when we’re subjected to excessive prolonged stress.
The coronavirus (COVID-19) outbreak has impacted a number of businesses across a variety of industries, forcing them to rethink their daily operations to ensure the safety of their employees and the general public. This is no different for construction firms, where multiple contractors and tradespeople on a job site may be working in the same space at any one time. In these instances, just one misstep can lead to the quick spread of COVID-19, jeopardizing the well-being of workers.
In response to the COVID-19 pandemic, many employers across Canada have had to either temporarily close their business doors or transition to a telecommuting program, leaving their commercial property unoccupied. However, unoccupied properties are more susceptible to vandalism, theft, undetected structural failures and property damage.
Needless to say, there’s a wide array of emotions at play with all that’s going on in the world right now. Many are worried about COVID-19, as well as what it will mean for the economy and labour market. Some are having to learn new tools and routines that best enable them to work from home. And in most cases, people are being confined to their homes with family members, children, or roommates who have their own work or school demands. While all of this can take a toll on your mental health, we’ve got some tips to help protect you during this challenging time.