Transfer Cyber Risk to Cyber Attack Insurance

Posted by David Hamilton on Jul 31, 2018 3:32:07 PM

cyber attack insurance

As noted in the media in recent years, cyber attacks have become an increased threat to the cyber security of a business. While the most prominent cases report have been attacks against large companies such as Target, Sony and Home Depot; in fact, 43% of attacks are occurring against small businesses. Of the small businesses attacked, 60% never recover after a hack and go out of business within 6 months because of a lack of cyber security.

Fortunately, there is a way that you can protect yourself against cyber crime by purchasing Cyber Insurance otherwise known as Data Breach Insurance. Front Row Insurance has recently launched a new product called Hackinsure.

Hackinsure offers the following cyber security protection:

Comprehensive Cyber Liability: Combines third-party cyber-liability (your customers/clients) and first-party (you and your business) and cyber crime expense.
Theft and Fraud: Data breach coverage. Protects against destruction or loss of digital data resulting from a criminal or fraudulent cyber event.
Business Interruption: Covers lost income and related costs when unable to operate due to a cyber security event or data loss.
Extortion & Ransomware: Provides coverage for costs associated with payments to those who threaten to disclose sensitive information.
Forensic Investigation: Covers the legal, technical or forensic services necessary to assess whether a cyber attack has occurred and assess impact of the attack.

Coverage starts at $300 for the year, but you can save $50 by using the following coupon code: DICEHACK$50. (not valid in QC, ON, SK)

A basic cyber insurance policy would include the following options, with higher limits available (subject to change):

COVERAGES	LIMIT	DEDUCTIBLE
Cyber Incident Response Limit	$100,000	$1,000
Cyber, Privacy & Network Security Liability	$100,000	$1,000
Regulatory Proceeding	$100,000	$1,000
Non Panel Response Provider	$10,000	$1,000
Business Interruption Loss & Extra Expense	$10,000	$1,000
Contingent Business Interruption Loss & Extra Expense	$5,000	$1,000
Network Extortion	$10,000	$1,000
Digital Data Recovery	$10,000	$1,000
Payment Card Loss	$100,000	$1,000

Coverage can be purchased online through our Hackinsure website. If you have any questions regarding the coverage, please don’t hesitate to give us a call.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides cyber insurance for a very low cost. Should a claim occur, Front Row ensures that clients receive the money they are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Hosting an Adult Birthday Party: Do You need Insurance?

Posted by David Hamilton on Jul 30, 2018 3:22:31 PM

Adult birthday party

adult birthday party insurance

It is good planning to consider adult birthday party insurance. No-one wants to think of what might go wrong; however, events do sometimes have to be cancelled or the unexpected happens. You may find yourself being served with a lawsuit from your friends or family for a wide range of different reasons and Front Row event insurance is there to help make sure that you do not lose money – or sleep - as a result.

6 THINGS to consider when hosting an Adult Birthday Party:

Does your venue require you to provide evidence of short term event insurance? Read your rental contract before you sign it.

Are you hosting the party at home? Check with your home insurance broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture, a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. Adult Birthday Party liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs - up to the limit of the policy - awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your marquee blows away and injures other people in the park? Lawsuits would be covered with Adult Birthday liability insurance.

Most birthday venues will require you to have event insurance in place. Often the venue will tell you in their contract the short term venue liability amount required.

Adult birthday party planning should include online adult's birthday party insurance.

Our cheap event insurance policies start at $130 and certificates for your Adult Birthday venue are free. A one-day event insurance quote is also free: a fast quote is available any time of the day or night in just 3 minutes.

Adults Birthday Party planning should include online.

If you will be serving alcohol at your Adult Birthday Party make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your adult birthday party and harm themselves or someone else. Consider how your guests will be traveling home.

It’s always good planning to have event insurance because you never know when something unexpected may occur. Adult birthday insurance will allow you to fully enjoy the special day.

Holiday Party Insurance: Do You Need It?

Posted by David Hamilton on Jul 30, 2018 11:49:21 AM

Holiday party event insurance

Throwing a party in your office or at your home or maybe you are renting a venue?

Well, you’re going to need one day special event insurance.

Holiday party

WHAT IS EVENT INSURANCE?

Short term event insurance protects you from lawsuits caused by damage to the location you are renting or lawsuits that arise if your guests are injured. Your rented venue is likely going to ask for evidence of liability insurance so the venue owners are not drawn into your lawsuit.

What would I need event insurance for?

Hosting a company party during the holidays is a great time to bond with coworkers. Parties are fun until your staff are injured. What if your employee is forced to sue your company? Will your business office insurance cover a holiday party? Event liability insurance will cover you if you are sued by providing a lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found negligent.
If you are hosting a Canada Day party in a municipal park, or on a municipal beach or on crown land you may need a permit that requires you to show evidence of insurance. Often the permit will specify the liability amount required. Front Row's event insurance can provide limits up to $5,000,000 online.
Your guests may accidentally damage the cabana or barbecue shelter you have rented. Does the owner require you to provide evidence of liability insurance? It is suggested that you check your rental contract.
Are you hosting the holiday party around Christmas at your house? Check with your home insurer to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
Have you rented furniture, a sound system or a marquee for your annual summer bash? Are you responsible to insure the equipment you have rented? Take time to read the fine print in those rental contracts. Coverage is available through Front Row's event insurance.
If you are serving alcohol, try to hire a caterer to serve the drinks and purchase host liquor liability insurance.
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with event insurance.

Front Row Insurance Brokers offers online event insurance. Policies start at $130 and certificates evidencing insurance coverage for your rented venue are provided immediately at no cost.

A quote is also free - a fast quote is available any time of the day or night.

If you will be serving alcohol at your holiday party, make sure that you request host liquor liability coverage. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your holiday party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes by buying Front Row's event policy online today.

Get a Free Online Quote Now

It’s always good planning to have event insurance because you never know when something unexpected may occur. Online event insurance will allow you to enjoy your special day.

Whether you need one day liability coverage, short term venue coverage or holiday party liability insurance, Front Row’s event insurance has you covered. We can also include host liquor liability insurance when venue alcohol liability coverage is required. Need to prove your insurance coverage? We provide a certificate of insurance when you complete your order, so you can provide this to your venue and/or suppliers.

Related: Holiday office party insurance

Holiday party event insurance landing page

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Insurance for a Picnic: Is it Necessary?

Posted by David Hamilton on Jul 27, 2018 4:14:04 PM

Picnic event insurance

Hosting a picnic for the day? Do you need event liability?

Consider these risks associated with picnics to help you decide:

If you are hosting the picnic in a municipal park, on a municipal beach or on crown land you may need a permit that requires you to show evidence of one day event liability. Often the permit will specify the short term venue liability amount required.
Your guests may accidentally damage the cabana or barbeque shelter you have rented. Does the owner require you to provide evidence of short term venue liability insurance? Check your rental contract.
Are you hosting the picnic at home in your yard? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered especially if you serve alcohol.
Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Time to read the fine print in those rental contracts.
Hosting a picnic is a great time to bond with family, friends and coworkers. Picnics are fun until your guests are injured. What if your friend or relative is forced to sue you or your company? Will your homeowners insurance cover you? Probably not. Picnic liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
If you are serving alcohol, try to hire a caterer to serve the drinks or purchase one day liquor liability insurance.
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with day insurance.

Front Row Insurance offers online picnic insurance; policies start at $130 and certificates proving insurance coverage for your location are provided immediately at no cost. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your picnic, make sure that you request venue alcohol liability. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your picnic and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind in five minutes:

It’s always good planning to have picnic insurance because you never know when something unexpected may occur. Online picnic insurance will allow you to enjoy your special day.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides picnic insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the picnic insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Hack Insurance: It's not just for big businesses

Posted by Meghan Stickney on Jul 27, 2018 3:47:05 PM

Worried about a cyber attack? Here’s what you need to know.

cyber attack hack insurance | cyber attack insurance canada

Hack Insurance | cyber insurance canada

There’s been a lot of buzz in the news lately about cyber attacks on big banks and corporations. Cyber attacks are a topic of concern not only for big businesses, and their customers, but also for the many small and mid sized businesses that make up the fabric of our economy in Canada.

43% of all cyber attacks happen against small businesses, which means more Canadian consumers are at risk now than ever for having their security compromised by hackers. Also, because small businesses tend to allocate less budget and resources to privacy and security systems, they are the ideal target for hackers.

Computer - cyber hack insurance So, where does this leave your business? Well, for starters, you’ll want to ensure you’re protected against the costs and risks associated with a possible cyber attack. Front Row has recently launched an online Hack Insurance product to address this exact need. You can obtain coverage online starting at $300. And, like all of Front Row’s online products, you’ll be fully insured within a couple of minutes with no need for any meetings, paperwork, or hassle.

To help guard against the risk of a cyber attack:

Developing a password strategy: Using the same password across devices and accounts is the easiest way to compromise security. Once a hacker gets their hands on a password, they can easily use it to compromise employee and customer information, turning a single password breach into millions of dollars in damage.
Avoiding collecting or storing payment information: Outsource payment processing and avoid collecting customer payment information such as credit card info on your own. Dedicated security staff have the resources and tools to protect data better than you can.
Educating your employees: Develop a written policy about security and privacy and make sure employees are on board and understand their responsibility to protect any confidential data. No business is “too small” for a hacker - the better prepared you are, the less at risk you are.
And, of course, purchasing hack insurance: 90% of small businesses do not currently have cyber insurance. You need to know that your business will be protected against any security breaches. Our new product provides this protection. You can get insured online in a couple of minutes by clicking here.

If you’re looking for tips or advice on Hack Insurance, or any other insurance needs, our team is always available to chat! You can connect with us on Facebook, Instagram or give us a call.

Movie Theatre Cinema Insurance: Protection for Owners

Posted by David Hamilton on Jul 26, 2018 2:35:01 PM

movie theatre CINEMA insurance

Proper movie theatre insurance allows you to transfer the risks of operating a cinema so you can focus on marketing and growing your business.

Do You Need Movie Theatre Insurance?

Yes: Film house insurance allows you to obtain financing at the bank and it helps you avoid bankruptcy caused by accidents in your theatre. These are some examples of repairs and lawsuits that can happen:

A yoga instructor slips on spilled drink in the dark and blows out a knee and sues for loss of future earnings.
Customer gets sick after ordering at the concession and blames food for lost wages.
Bathrooms are vandalized causing a flood.
Promotional displays are knocked over and the distributor demands payment to replace.
The building burns to the ground or is damaged in an earthquake.
Digital projector breaks down causing business interruption until a repair or replacement occurs.

What Does Movie Theatre Insurance Cover?

A basic movie house insurance policy should include compensation for damage to your building or furnishings, as well as your responsibility any customers that are injured visiting your property.

You likely need protection for:

Commercial theater property coverage: This covers the building and contents, such as: desktops and other office equipment, cash machines, digital projectors, screens, seating, etc.
Business interruption coverage: This protects against lost business income and pays for on-going operating expenses if you need to shut down.
Commercial theatre general liability coverage: This pays for bodily injury and property damage due to your negligence (e.g., a guest falls down the stairs from the balcony and sues because the carpet was not glued down on one of the stairs)

At Front Row we can provide you with:

Liquor liability for venues : This is necessary if you sell alcoholic beverages at your movie theatre. It protects you in instances of bodily injury and property damage that result from selling or serving alcohol.
Online cyber coverage: To protect you if you are hacked and lose customer data. https://hackinsure.frontrowinsurance.com/
Short-term Venue Liability Insurance: If you do short term rentals at your theatre, you can direct your tenants to our online short term event insurance and short term venue insurance site where they can purchase special event insurance in 5 minutes and provide you with evidence of one day event insurance so that your theatre is protected.

How Much Does Movie Theatre Insurance Cost?

Depends on your revenue, number of screens, location, construction of your building, age of venue. Contact us for an estimate.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office movie theatre insurance for the lowest possible cost. Should a claim occur, Front Row ensures that movie theatre insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

Wedding Insurance: What is it?

Posted by David Hamilton on Jul 26, 2018 10:20:34 AM

What is Wedding Insurance?

Special event wedding insurance protects a couple if they are sued as a result of a mishap at their wedding that injures a guest or damages the venue. It also covers lost rings, presents, gowns but does not cover the missing best man.

Why Get Wedding Insurance?

Yikes:

Alex and Robin spend months planning their summer wedding on a relative's farm. On their big day, a forest fire blocked access to the farm. With the right wedding insurance policy, the couple can postpone their wedding and receive the money they lost (less the deductible)—including money for the invitations, wedding cake, food, rented dresses and suits and non-refundable deposits for the band, flowers and other suppliers.
The ring is stolen from the truck of the best man’s car. Special event wedding insurance will pay for a replacement.
Right before walking down the aisle, the marquee tent is buffeted by wind and comes loose from its moorings and injures guests and destroys the buffet. The wedding insurance policy will provide the wedding couple with a lawyer to defend the resulting lawsuits from friends and relatives and the policy will also pay for the judgement amounts and will pay for the food and destroyed catering tables.

How Much Does Wedding Insurance Cost?

A basic one day wedding insurance policy that covers: attire, presents, deposits and venue liability usually costs anywhere between $105 and $350 CAD, depending on the amount of coverage you want. Pricing subject to change.

Do You Really Need Wedding Insurance?

If you cannot afford the costs associated with a lawsuit then it is smart to transfer the risks of your wedding to an insurance policy. The cost of one day event insurance for a wedding is usually 1% or less than the cost of your wedding budget. Often the venue will not allow you access until you prove you have short term venue liability. The venue may also want to see evidence of venue alcohol liability.

When Should You Get Wedding Insurance?

As soon as you start your wedding checklist. Let's say you put a deposit on your wedding venue months in advance of your wedding date and then it is damaged in a windstorm a month before the big day. With online wedding insurance, you'll receive your deposit back.

What Does Wedding Insurance Cover?

Check our online site to learn all the ways you will be protected.

Wedding Insurance Doesn't Cover...

A change of heart.
Unused alcohol
Photos or video or food that was not as good as you were expecting

Cheap event insurance is available for your wedding online with no need to talk to an insurance broker. Get a free wedding insurance quote in 3 minutes.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides wedding insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

6 Reasons for Purchasing Kid's Birthday Party Insurance

Posted by David Hamilton on Jul 25, 2018 4:56:45 PM

birthday party insurance | kid's birthday party insurance

Planning a Kid’s Birthday Party? You Should Consider Insuring It.

Hosting a kid’s birthday for your loved one? There are risks associated with kid's birthday parties that you may not have thought of:

Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of short term event insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contracts.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? Will your homeowners insurance cover you? Probably not. Kid’s birthday party liability insurance will cover you if you are sued by providing a lawyer to defend you and paying the judgement costs awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your tent blows away and injures other people in the park? Lawsuits would be covered with kid’s birthday party insurance.

When hosting a kid’s birthday party, most birthday venues will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Kid’s birthday party planning should include online kid’s birthday party insurance.

Special event liability is available online with no need to talk to an insurance broker. Our cheap event policies start at $130 and certificates for your kid’s birthday party venue are free. A one day event insurance quote is also free: a fast quote is available any time of the day or night in just 3 minutes.

Purchase peace of mind in five minutes with no need to talk to a broker by buying online today.

It’s always good planning to have event insurance because you never know when something unexpected may occur. Kid’s birthday insurance will allow you to fully enjoy your special day.

Insuring Your Bar Mitzvah Party

Posted by David Hamilton on Jul 25, 2018 11:21:10 AM

Bar Mitzvah Party Insurance

Risks associated with a Bar Mitzvah Party that you may not have thought of:

Bar Mitzvah Ceremony: your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
Are you hosting the Bar Mitzvah celebration at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture or a sound system or a marquee? Are you responsible to insure the Bar Mitzvah speech equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? Oy vey. Will your homeowners insurance cover you? Probably not. Bar Mitzvah event liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered.

When hosting a Bar Mitzvah, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Your Bar Mitzvah planning checklists should include bar mitzvah insurance.

Policies start at $105 and certificates for your venue are issued immediately at no additional cost. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your bar mitzvah party make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during bar mitzvah celebration and harm themselves or someone else. Consider how your guests will be traveling home.

It’s always good planning to have Bar Mitzvah insurance because you never know when something unexpected may occur. Bar Mitzvah insurance will allow you to fully enjoy your special day. https://events.frontrowinsurance.com

Consider Purchasing Baby Shower Insurance: 6 reasons

Posted by David Hamilton on Jul 25, 2018 10:42:46 AM

Planning a Baby Shower? Consider Purchasing Baby Shower Insurance: 6 reasons

Baby Shower insurance will protect you against damage your guests accidentally cause to the venue you have rented. Does your venue require you to provide evidence of venue insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely not covered.
Have you rented furniture or the sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a drink spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? No doubt. Will your homeowners insurance cover you? Probably not. Baby shower event liability insurance will cover you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest.
Do you need protection for the gifts in case they are stolen?
What happens if your tent blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with baby shower insurance.

When hosting a baby shower most banquet halls and venues such as a community center or church hall will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Baby shower planning should include online baby shower insurance otherwise known as one day event insurance

Cheap event insurance is available online with no need to talk to a broker. Policies start at $105 CAD and certificates for your baby shower venue are free. A quote is also free: a fast quote is available any time of the day or night.

If you will be serving alcohol at your baby shower make sure that you request venue alcohol liability – available through our online site. Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your baby shower and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind day insurance in five minutes. It is always good planning to purchase special event insurance for your party for a baby shower to protect against the unexpected.

Anniversary Party: 6 reasons why you should purchase event insurance

Posted by David Hamilton on Jul 25, 2018 10:04:00 AM

ANNIVERSARY party insurance

Risks associated with anniversary parties:

Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely excluded.
Have you rented furniture or a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Anniversary event liability insurance will protect you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found to be liable.
Do you need protection if your guests drive drunk and crash?
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with anniversary celebration insurance.

anniversary party insurance When hosting an anniversary party, most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often, the hall will tell you in their contract the short-term venue liability amount required.

Anniversary party planning should include one-day event insurance.

One-day insurance is inexpensive. Policies start at $105 CAD and certificates for your anniversary venue to prove you are protected are provided at no cost.

If you will be serving alcohol at your anniversary, make sure that you request venue alcohol liability – available through our online site. Remember, as a host you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your party and harm themselves or someone else. Consider how your guests will be traveling home.

Purchase peace of mind day insurance in about five minutes:

It’s always good planning to have special event insurance for your party because you never know when something unexpected may occur. Anniversary insurance will allow you to fully enjoy your special day.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides anniversary insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

Planning a Bridal Shower? Consider Insuring It.

Posted by David Hamilton on Jul 23, 2018 5:00:21 PM

bridal shower insurance

bridal shower event insurance

Hosting a shower for the bride? There are many risks associated with a wedding shower that you may not have thought of:

Your guests may accidentally damage the venue you have rented. Does your venue require you to provide evidence of insurance? Yikes. Check your rental contract.
Are you hosting the party at home? Check with your homeowners broker to see if you are covered. Parties over a certain size are most likely excluded.
Have you rented furniture or a sound system or a marquee? Are you responsible to insure the equipment you have rented? Check your rental contract.
Your guests could trip on temporary carpeting or slip on a wine spill on the floor and injure themselves. What if your friend or relative is forced to sue you? Awkward? For sure. Will your homeowners insurance cover you? Probably not. Bridal shower event liability insurance will protect you if you are sued by providing a free lawyer to defend you and paying the judgement costs awarded to your injured guest if you are found to be liable.
Do you need protection for the gifts in case they are stolen?
What happens if your marquee blows away and injures other people in the park? Lawsuits from a cartwheeling marquee would be covered with bridal insurance.

When hosting a bridal shower most banquet halls and venues such as golf and country clubs will require you to have event insurance in place. Often the hall will tell you in their contract the short term venue liability amount required.

Bridal shower planning should include online bridal shower insurance.

Policies start at $105 CAD and certificates for your wedding shower venue are no cost. A quote is also free, any time of the day or night.

If you will be serving alcohol at your bridal shower make sure that you request venue alcohol liability – available through our online site. Remember, as a renter you are responsible for the safety of any guests. You could be held legally responsible if people consume alcohol during your bridal shower and harm themselves or someone else. Consider how your guests will be traveling home.

It’s always good planning to have bridal insurance because you never know when something unexpected may occur. Wedding shower insurance will allow you to fully enjoy your special day.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides bridal shower insurance for the lowest possible cost. Should a claim occur, Front Row ensures that you receive the money you are owed per the bridal shower insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax and are licensed and registered in all provinces in Canada.

4 Ways to Prevent Cyber Attacks in the Creative Industry

Posted by Amanda C. Poole on Jul 19, 2018 3:48:42 PM

cyber attacks in creative industries

Content creation companies such those involved in advertising & media, film production, graphic design or animation that operate without cyber security insurance are exposed to cyber attacks.

Any company that produces creative content usually holds sensitive information for their clients. It could be: a film production company holding scripts from writers; ad agencies holding strategic plans to formulate an ad campaign; photographers holding secret marketing campaign ideas.

4 WAYS TO PREVENT CYBER ATTACKS IN THE CREATIVE INDUSTRY:

Educating your employees. All companies can take action by raising awareness through employee training. By teaching your employees how to properly dispose of sensitive information and having protocols to change passwords on a regular basis, the chance of preventing a cyber attack is increased.
Purchasing Cyber Security Insurance. Whether you are Sony Pictures or operating a small two-person design studio, you are never going to be truly protected without cyber insurance. Sophisticated cyber hackers are now targeting small companies as bigger companies invest in better protections. 43% of all cyber attacks are now against small businesses.
Being proactive. Business owners who are tuned into the ongoing cyber risks will always come out on top because they realize this is a growing exposure. 60% of small business that are hacked never recover and go out of business in 6 months after the cyber attack.
Dealing with data. People don’t think they need cyber insurance because their data is backed up, on another server or encrypted. Unfortunately, anyone dealing with data has an exposure to cyber attacks; this doesn’t ensure cyber security. 90% of all small business have no protocols in place to protect client data. Create a plan and follow it.

Need cyber insurance? Peace of Mind starts here:

Insurance Business Canada interviews Front Row on Cyber Insurance

Posted by Amanda C. Poole on Jul 18, 2018 4:26:51 PM

Insurance Business Canada interviews Front Row on Cyber Insurance

Front Row was interviewed by Insurance Business Canada as expert providers of online cyber insurance.

Spend less and protect your business against cyber risk with online cybersecurity insurance.

Front Row now offers a small or medium-business cyber insurance policy so you pay only for what your business needs. No overselling, and no losses is a “no-brainer”.

Front Row Insurance offers solution to small business cyber conundrum

Originally printed by: Bethan Moorcraft July 18, 2018

Approximately 99.8% of Canadian companies are considered small or medium-sized businesses (SMBs), employing 64% of private sector workers in Canada. The impact of SMBs on the Canadian economy is huge, and yet many smaller businesses struggle to protect themselves adequately against financial loss.

The complex realm of cyber insurance is an area where small business understanding falls short. Statistics suggest about 43% of all cyberattacks target small businesses and yet 90% of small businesses do not have cyber insurance.

This common coverage gap is a top-of-mind issue for insurers around the world, with many suggesting educational and awareness campaigns as the key fix.

But what if the cyber insurance products in the market are the real problem here? What if small business owners can’t identify a product that they think meets their needs, budget and service expectations?

Vancouver-based Front Row Insurance recently launched a cyber product aimed specifically at the small business owner. It’s a fully-automated online policy, written by Chubb, which is very low touch and has even lower limits. The starter limit is $100,000, which can be purchased at a premium of $300, and the maximum limit is $1 million.

The policy can be obtained online in just two or three minutes.

“If you look at a graphic designer that’s billing $50,000 a year from their home office, the difference between a cyber policy that costs $800 and one that costs $300 is really significant – it’s 1% of their income,” said David Hamilton, CEO and president at Front Row Insurance. “We found that really small businesses, with one to three people, understand the need for cyber coverage but don’t want to pay a lot for it. Our $300 starter premium is very palatable and provides what we feel is an excellent starter policy for small business proprietors in Canada.”

So far, responses to the policy, which launched in April, have been positive. It has drawn particular interest from younger gig economy workers who are looking to bypass intermediaries and conduct business at any time of day when they can grasp a few spare moments. The online solution includes step-by-step tips and explanation points to help customers through the buying process.

“Take the example of the graphic designer. The Graphic Designers of Canada association has around 3,700 members, every one of whom should have a cyber policy. Why? If you’re a graphic designer and you’re taking business material from a client in order to design a logo for them, and that material somehow gets exposed due to a cyber incident, your client may sue you for not protecting that material,” Hamilton explained.

If you take into account the fact that more than 50% of small businesses go out of business within six months of a cyberattack, suddenly the $300 premium for the sole graphic designer doesn’t seem like a bad investment, according to Hamilton.

The Front Row cyber insurance policy could also be “the perfect solution” for brokers, according to Hamilton. Any broker can access the policy online and can surcharge it with a small fee. They don’t have to submit anything to an insurance carrier and they can transact business in less than 10 minutes.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office renters insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

By: Bethan Moorcraft July 18, 2018

What is your cyber risk?

Posted by Amanda C. Poole on Jul 13, 2018 2:52:46 PM

What is your cyber risk?

The more dependent we become on technology, the greater target we are to cyber hackers.

With the mass amount of technology and software in use today, the exposure to cyber-crime continues to be an ongoing concern resulting in a greater demand for cyber security.

The most common misconception about cyber fraud is it’s only applicable to businesses who operate high-profile websites or those who generate majority of their business income online. What’s going unsaid is that any business, using any online software program is vulnerable to the risk of cyber-hackers.

DID YOU KNOW?

43% of all cyber-crime are against small businesses.

WHY?

Because hackers know 90% of small businesses don’t use protection for company or customer information.

Don’t be another statistic. Get an free online quote at no obligation today.

Considering Cyber Insurance for your company

Based on customers concerns and claims, it is important to understand what risks your company is willing to take versus what risks are too severe when it comes to cyber exposure. And when the question arises, transferring the risk to a cyber insurance policy is your answer.

As the leading provider of online cyber insurance for quality and convenience, we offer free online quotes and/or insurance protection without the need to talk to a broker.

For more info, or for a free cyber insurance quote or to buy a cyber insurance policy, click here.

About: Front Row Insurance Brokers Inc. is an independent insurance broker that provides office renters insurance for the lowest possible cost. Should a claim occur, Front Row ensures that business rental insurance client receives the money they are owed per the office insurance policy, as quickly as possible. Front Row has offices in Vancouver, Toronto, Montreal and Halifax.

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