Remembering Their Sacrifice – 75 Years Since the Liberation of the Netherlands

Remembering Their Sacrifice – 75 Years Since the Liberation of the Netherlands

In May 2000, the late Cliff Chadderton (1919 – 2013) led a parade of fellow Canadian veterans through the streets of Apeldoorn, Netherlands, where they were met with cheering crowds and words of “thank you.” This May marks 75 years since Canadians sacrificed life and limb to help liberate the Netherlands from Nazi occupation.

Chadderton lost part of his right leg while in command of a company of The Royal Winnipeg Rifles battling for the Scheldt Estuary in Belgium and Holland. In Faces of War (1998), a collection of veterans’ stories, he said, “I should have died right there. I stepped one foot into Holland and left it there.”

While recovering in the army field hospital, Chadderton had an epiphany that would define how he approached the rest of his life. “I don’t need my legs. My head was ok, so I could go out and challenge the world and find something to do that would be useful,” he said.

On returning to Canada, Chadderton and his fellow Second World War amputees were welcomed as members of The War Amps, an Association originally started by First World War amputee veterans to help each other adapt to their new reality. An active member, he held several positions within the Association until his appointment as Executive Secretary (later CEO) in 1965. He was also Chairman of the National Council of Veteran Associations (NCVA).

The Canadians who fought in the Liberation of the Netherlands helped bring peace and freedom to the people of Europe. During Chadderton’s visit to the Netherlands in 2000, he felt immense gratitude from the Dutch. “You can see the mothers and the fathers pointing at the Canadian veterans, saying, ‘Those are the guys that saved our country,'” he said. “Now I know why we fought the war, now I know why we were here.”

SOURCE War Amps

Related Links

http://www.waramps.ca

How to save on car insurance through COVID-19

Economical and Sonnet continue to offer individualized options to support those impacted by the COVID-19 pandemic

WATERLOO, ON, Apr. 30, 2020 – As COVID-19 continues to impact families and businesses across the country, Economical Insurance has enhanced its response to offer relevant relief options for those who need it most.

“During this exceptional time, our teams have acted with compassion and professionalism to support our customers with relief measures suited to their unique circumstances,” said Rowan Saunders, President and CEO, Economical Insurance. “Over the past several weeks, we have launched a number of programs for our personal and commercial insurance customers which we expect will result in more than $50 million in total relief for them during this uncertain time. We have also increased our annual community giving to more than $1 million to help communities across Canada meet distinctly local needs.”

Modifications to car insurance coverage can change what Canadians pay for insurance on a monthly basis. Economical customers should reach out to their broker, while Sonnet customers can use online chat or email, to review their individual policy and options available to them.

If you are driving less, you may be eligible for an enhanced reduction on car insurance rates. Many insurance rates are calculated using an expected number of annual kilometres driven, so customers who disclose this change could, on average, see a difference of up to 15% in their monthly rate, until June 30. If you previously had a long commute, you may save more than someone who drove fewer kilometres annually.

If you aren’t driving at all and your car is now parked, you can change the type of coverage on your vehicle for significant savings on your monthly rate – up to 75% on average. Applying a coverage suspension to your vehicle is a great way to reduce your rates while keeping your insurance policy active. You should ensure your policy will still protect you if you’re injured as a passenger in another car, or even as a pedestrian, if you do decide to remove some elements of coverage. You must inform your Economical broker or Sonnet before you start driving again so you have at least the provincially required coverage in place.

If your monthly budget has been impacted by COVID-19 through lack of employment or other factors, you may be eligible to defer your monthly payments, change your payment plan, or alter your method of payment to find a solution that fits your needs.

If you are supporting your community by using your personal vehicle for things like volunteering or some form of delivery support, there will be no impact to your premium, but you should disclose this to your insurer.

Economical and Sonnet will continue to assess these measures and ensure the right options are in place for customers. Alongside valued broker partners and dedicated employees, Economical is prepared to support Canadians through COVID-19.

About Economical Insurance

Economical Mutual Insurance Company (“Economical” or “Economical Insurance”, which includes its subsidiaries where the context so requires) is a leading property and casualty insurer in Canada, with $2.5 billion in gross written premiums and approximately $6.0 billion in assets as at December 31, 2019. Economical is a Canadian-owned and operated company that services the insurance needs of more than one million customers.

 

Economical Insurance continues to provide pandemic relief for businesses

WATERLOO, ON, May 1, 2020 — As the COVID-19 pandemic continues to impact Canadians, Economical Insurance has been supporting businesses across Canada with tailored and effective relief options. In recognition of the financial impact COVID-19 has had on small- and medium-sized businesses, Economical prioritized the importance of providing flexible options that will maintain the insurance coverage necessary for business continuity. Commercial customers of Economical should connect with their broker to review their policy and discuss individual options.

“Throughout this truly unprecedented time for Canadian businesses, Economical has been supporting our commercial customers by providing extensive options for their insurance needs,” said Fabian Richenberger, EVP, Commercial Insurance at Economical. “We recognize that many businesses have had to pivot or shut their doors, so Economical has adapted our practices to support the need for alternative insurance solutions and be there for our customers when they need us most.”

Options for businesses adapting

Some businesses have been able to adapt to changing restrictions and state of emergency orders. For those that have changed their operations to support COVID-19 relief efforts, Economical has flexible options to maintain insurance coverage.

As an example, one customer of Economical is a distillery that shifted their manufacturing to hand sanitizer to support the need in their community. After informing their Economical broker of this re-tooling, their coverage was adapted to appropriately cover their new manufacturing.

Other business customers have not changed what they offer, but have changed to a delivery model that respects physical distancing. For businesses that now offer delivery as a result of COVID-19, Economical is working with brokers to extend coverage to protect their business against claims arising from the use of non-owned delivery vehicles.

More commonly, companies have had to shift workforces to remote work. In this case, Economical has added $5,000 coverage at no extra cost to cover equipment that employees need to take home such as computers or monitors.

“From the onset of the pandemic we proactively considered the ways that we, alongside our broker partners, could provide relevant relief to businesses that would support their changing needs in this time,” said Obaid Rahman, VP, Commercial Insurance, Economical.  “It’s important that businesses inform their broker of any changes in operation so that we can continue proper insurance coverage that will protect them now and in the future.”

Options for closed businesses

Some businesses do not have the option to adapt but have had to close in response to provincial states of emergency or other lockdown measures. For businesses that have seen a drop of 30% or more in revenue, Economical will now adjust these business policies mid-term, allowing for a reduction in premium to support the tough circumstances these business customers face.

Further, Economical customers can rest assured that if their business is closed because of COVID-19, but they keep enough non-perishable stock or inventory on site to conduct regular business and they visit the premises at least once a week, their business will not be considered vacant or unoccupied and the insurance coverage will continue.

Temporarily closed businesses may experience unique challenges to protect both people and property as there is an increased risk for unauthorized access, theft, or vandalism. In order to keep a property secure, there are some steps businesses can take, such as:

  • Physical security: ensure all possible entrances are locked and secure, store valuable materials away from windows, and activate a security system alarm if possible
  • Lighting: good exterior lighting is a deterrent to many trespassers, while interior lighting indicates a presence on the property
  • Fire alarms and sprinkler systems: ensure all systems have been properly maintained and are functioning properly

Policy extensions and rate relief

In addition to the options above, Economical has committed to its commercial property customers that no policy will be cancelled during the state of emergency, unless a customer has violated policy conditions. When requested by the broker, businesses will be granted an extension until the state of emergency is over.

Further, in recognition of the enormous economic strain businesses across Canada are experiencing, Economical has amended its rating strategy to provide financial relief on insurance. Under normal circumstances, rates are adjusted periodically to reflect inflation, the cost of claims, and other factors, but during the COVID-19 pandemic these changes will be capped and restricted to provide affordable insurance solutions to Canadian businesses.

Another measure of relief is for any personal use vehicles insured under commercial policies, which will receive a discount for lower driving mileage and capped rates during the pandemic.

Commercial customers should connect with their broker

Economical has been providing these relief measures to commercial customers since the onset of COVID-19 and remains committed to offering tailored solutions through our valued broker partners.

About Economical Insurance

Economical Mutual Insurance Company (“Economical” or “Economical Insurance”, which includes its subsidiaries where the context so requires) is a leading property and casualty insurer in Canada, with $2.5 billion in gross written premiums and approximately $6.0 billion in assets as at December 31, 2019. Economical is a Canadian-owned and operated company that services the insurance needs of more than one million customers.

Economical Insurance 

 

 

What do we do with the kids?’ Experts say child care needed in reopening plans

By Stephanie Taylor

THE CANADIAN PRESS

REGINA _ Kelly Knowles has many questions about returning to work, including where her son would go.

The Regina hairstylist contacted his daycare after the Saskatchewan government announced last week that some businesses such as salons, shut down because of COVID-19, could reopen in mid-May.

She was told there is space for her 2-1/2-year old, but the centre is only caring for kids of essential workers. And with her partner still working, there isn’t anyone else at home to help, she said.

“If I did go back to work, we do need that extra care,” Knowles told The Canadian Press.

“I can’t open up my schedule and start accepting my guests to come in if I don’t have a daycare for my son.”

Questions about child care and schools are being raised as various provinces outline their plans to relax public health restrictions so that some services and businesses can reopen and residents can go back to work.

“For families with kids, they can’t participate in that if they don’t have child care,” says Jennifer Robson, associate professor in political management at Carleton University in Ottawa.

Each province is dealing with the issue differently.

In Saskatchewan, Premier Scott Moe has said students are unlikely to return to classes this school year. On Thursday, the province announced child-care spots reserved for the children of essential workers will also go to children whose parents are headed back work in the first two stages of its reopen plan.

Manitoba plans to keep schools closed, but intends to allow day camps with a maximum of 16 kids per site.

Schools and daycares in Quebec are to reopen May 11 outside greater Montreal, but high schools are to stay closed until September. In Ontario, publicly funded schools are to stay closed until at least the end of May.

The inability to provide hard timelines is understandable, Robson says, since those decisions are driven by medical evidence.

She says households with parents who can resume work will be figuring out what makes economic sense. And without child care or schools, someone has to stay home with the kids.

“Gender roles being what they are and gender-related pay gaps being what they are, odds are good that most families are going to elect to have Mom end up staying home with the kids.”

Lindsay Tedds, professor of economics at the University of Calgary, says women have already borne the brunt of the pandemic and, without child-care options, that could be exacerbated.

Citing a Statistics Canada labour force survey from March, Tedds says women were the hardest hit by job losses and a lot of the impact was felt in female-dominated sectors such as hospitality and tourism.

“Women had to leave their jobs even before the big shutdown started simply because the schools shut down.”

In a statement, the president and CEO of the Business Council of Canada, acknowledges that restarting the economy will be tough for working parents if schools and daycares stay closed during the initial phases. Goldy Hyder encourages employers to be flexible.

Dan Kelly, head of the Canadian Federation of Independent Business, says some employers may not be able to find workers who can pull away from their families. But he feels it’s better to move ahead with an imperfect plan than to keep the economy frozen.

While some parents can work from home, those who work in bars, restaurants and sectors such as the airline industry cannot, Tedds notes.

She and Robson say household incomes will continue to take a hit if both parents can’t get back to work. Gains made over the last few decades have been in large part thanks to women entering the labour force.

They also say time away from work may mean not getting promotions or building up work hours associated with career advancement. As well, staying home means not paying into a pension plan or employment insurance, including maternity and paternity leave.

“If we’re … expected to go back to work and nobody has thought about what we do with the kids, we have a huge problem,” said Tedds.

The CEO of the Canadian Women’s Foundation says it’s time governments examine how child-care centres are funded. Right now, without receiving fees from parents, they could close.

Paulette Senior says Ottawa has a critical role to play.

“This government is committed to gender equality and gender equality is an essential rung to the economy.”

Maryam Monsef, federal minister for women and gender equality, says in a statement that the pandemic has shown long-term solutions are needed in child care _ and provinces need to collaborate.

“It is clear that the steps that all orders of government take in the next days and weeks as we contemplate slowly reopening our economy will require a vision for child care.

“We can’t resume without it.”

Many insurers offering rebates whether you’re driving or not but many others aren’t

The excerpreted article was written by Aaron Saltzman · CBC News

Some drivers are questioning why they aren’t seeing a significant reduction in insurance rates given the lockdown’s eerily empty roads, especially in light of the insurance industry promising rebates and relief in the order of hundreds of millions of dollars.

“They offered me a reduction of two dollars a month until August,” said Craig Fenn, a ground handler at Pearson Airport in Toronto. “That’s not much of a discount.”

Fenn’s wife, a teacher, is no longer driving to work. He says their broker told them their insurance company, Aviva, would only give them what amounted to about a one per cent rate reduction and only if they changed his wife’s insurance coverage from driving to work to driving for pleasure.

“They’re not giving discounts unless you change something on your insurance, and it has to be [a] big [change],” he said. He could have gotten his premium reduced in return for reduced coverage regardless of whether there was a pandemic, he said.

Fenn was one of a number of people who contacted CBC News after reading a story about Canada’s insurance industry promising to help drivers cut costs during the pandemic.

“I was so irritated by the fact that the insurance companies were getting good publicity,” he said.

In the United States, a number of companies are offering a 15 per cent refund to all their customers, regardless of circumstances. But the relief promised by Canada’s insurance industry has so far been a patchwork of different policies, with some companies issuing significant rebates, others cutting premiums only if coverage is reduced and at least one insurer going ahead with an increase, albeit one that was decided before the pandemic. ‘Doesn’t seem right’

“My premium went up 20 per cent,” said James Downey, a lighting director with his own production company in Toronto, who is with the Co-operators insurance. “That doesn’t seem right.”

Downey says he received the notice of the increase from the Co-operators in March, retroactive to January. He says nothing had changed in his driving record so he contacted the Co-operators, but wasn’t given a reason for the increase, other than it was a decision made before the pandemic hit.

Downey’s business is completely shut down, and his wife is on reduced hours at her job. The increase to his insurance amounts to about $400 annually.

“I’m in a spot where I can afford it for the next little while, but I know a lot of people I work with can’t,” Downey said.

Lisa Guglietti, executive vice-president and chief operating officer at the Co-operators, said, “these rates were implemented prior to the pandemic and reflect the claims experience that we have seen over the last number of years.”

The Co-operators is now offering a base 10 per cent refund for rates between April 1 and May 31.

“Due to the overall decrease in traffic on the road, this refund is available to all auto policyholders, even those continuing to commute to work,” Guglietti said.

Customers have to register online to claim the refund.

“But that still wouldn’t make up for the initial increase, which to me is not fair,” Downey said.

What some insurers are offering

Canadian Underwriter, a trade publication covering the insurance industry, has a comprehensive list of what many companies are and aren’t offering their drivers in terms of relief.

Allstate Canada is offering all its customers a one time 25 per cent refund on their May bills regardless of whether or not their driving has been reduced.

“We recognize that with fewer people driving, there are fewer collisions on our roads,” Allstate Canada CEO Ryan Michel said earlier this month, in citing the reasons for passing on cost savings to customers.

Several other Canadian companies are also offering across-the-board rebates, including CAA, Gore Mutual Insurance, iA home and auto, Unique insurance, La Capitale and Northbridge Insurance.

Another approach

But as of publication some of Canada’s biggest insurers, including RSA, TD Insurance, Desjardins, Wawanesa, Intact, and Aviva Canada are only offering reduced premiums if you’re driving less.

We’ve chosen not to adopt a ‘one-size-fits-all’ approach for our customer relief measures, as we believe each customer’s situation is unique.– Janis McCulloch, of Aviva Canada

“We’ve chosen not to adopt a ‘one-size-fits-all’ approach for our customer relief measures, as we believe each customer’s situation is unique,” said Aviva Canada’s Janis McCulloch in a statement. “We know many customers are driving less during this pandemic, while some are driving more.”

“We believe this is a fairer approach than an across-the-board reduction,” said Intact’s Jennifer Beaudry, senior consultant of external communications, “as it gives us the flexibility to provide additional relief to those who need it most and for longer than three months if needed.”

Still too early

Desjardins said it may yet end up offering across-the-board rate reductions, depending on how things play out.

“It’s still really early, and we don’t have enough claims frequency and severity data to consider reviewing our premium refund approach at this time. For one thing, the police have reported far more speeding and reckless driving on our roads. What impact will that have? We don’t know yet,” said Desjardins spokesperson Joe Daly.

Steve Kee, director of external relations for the Insurance Bureau of Canada (IBC), which says its member companies are providing a combined $600 million in relief for Canadian drivers, said, “Each approach is different but nonetheless, meaningful to customers.”

The bureau hasn’t broken down the savings so it’s unclear how much of that total is coming from drivers opting to reduce their coverage because they’re driving less.

CAA Insurance Company Successfully Launches CSIO’s My Proof of Insurance Solution

Press Release:

(Toronto – April 29, 2020) CSIO is pleased to announce that CAA Insurance Company has successfully launched CSIO’s My Proof of Insurance as its preferred solution for sending customers their auto insurance cards (eSlips) over email. The launch coincides during a challenging time when paper and in-person meetings are less favourable and digital tools such as My Proof of Insurance are encouraged to ensure safe and consistent customer service.

Launched in 2018, CSIO’s My Proof of Insurance solution was developed collaboratively with industry support from insurers and brokers in response to a growing consumer demand for easier and convenient digital options within the insurance landscape. Since its release, support for the solution has grown year over year, with an increase in provincial approvals of electronic proof of auto insurance expanding across the country.

With a history of providing customers convenient and innovative auto insurance options, CAA Insurance looked to My Proof of Insurance as the next step in their digital roadmap. The solution provides customers with a free and secure way to receive, store and present their insurance documents and eSlips. Leveraging mobile wallet technology, eSlips are stored in a customers’ mobile wallet and can be accessed without the internet or having to download a separate app or sign into a company portal.

“Offering customers, a digital, efficient way to get their auto insurance cards, or eSlips, is an exciting addition to our service portfolio,” says Matthew Turack, President of CAA Insurance. “What was especially helpful was the fact that the registration, adoption, and launch of the solution was seamless. A simple and straightforward API meant we weren’t stuck in the implementation phase for months, allowing us to launch the solution in a timeframe we were comfortable with.”

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About Centre for Study of Insurance Operations (CSIO)

CSIO is Canada’s industry association of property and casualty insurers, service providers and over 38,000 brokers. CSIO is committed to improving the consumer’s ease of doing business within the broker channel by overseeing the development, implementation and maintenance of technology standards and solutions such as My Proof of Insurance, eDocs, and eSignatures. In addition, CSIO operates the industry-owned mail network service, CSIOnet. CSIO maintains offices in Toronto and Montreal. For more information, visit csio.com.

www.csio.com

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