WestJet signs multi-year contract with Suncor


WestJet announced today it has reached a multi-year agreement as primary provider for Suncor Energy to fly employees and contractors to and from its oil sands operations in Northern Alberta beginning in early November.

WestJet will use a combination of its Boeing 737 Next-Generation and Bombardier Q400 NextGen aircraft to fly Suncor employees and contractors between Edmonton, Calgary, Vancouver, Kelowna, Saskatoon, and Fort McMurray and its operations in the Regional Municipality of Wood Buffalo, Alberta. The agreement will involve more than 100 weekly flights.

“We are very pleased to work with another great Canadian company like Suncor,” said Bob Cummings, WestJet Executive Vice-President, Commercial. “Positioning us as the primary provider of charter services for Suncor, this agreement will facilitate the seamless movement of energy sector workers to and from their job sites, as well as from across the WestJet network.”

About WestJet
We are proud to be Canada’s highest-rated airline for customer service, powered by an award-winning culture of care and recognized as one of the country’s top employers. We offer scheduled service to 100 destinations in North America, Central America, theCaribbean and Europe. Through our regional airline, WestJet Encore, and with partnerships with airlines representing every major region of the world, we offer our guests more than 150 destinations in more than 20 countries. Leveraging WestJet’s extensive network, flight schedule and remarkable guest experience, WestJet Vacations delivers affordable, flexible travel experiences with a variety of accommodation options for every guest. Members of our WestJet Rewards program earn WestJet dollars on flights, vacation packages and more. Our members use WestJet dollars towards the purchase of WestJet flights and vacations packages on any day, at any time, to any WestJet destination with no blackout periods  ̶  even on seat sales. For more information about everything WestJet, please visit westjet.com.

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Read the WestJet blog at blog.westjet.com


Manulife announces $100 million redevelopment of Manulife Centre

Press Release:

Manulife Real Estate today announced plans for a $100 million redevelopment of Manulife Centre, its premier mixed use complex in the heart of Toronto’s Yorkville.  The project will add 35,000 square feet of new retail space with construction beginning early next year and an anticipated completion date of early 2019.

The Manulife Centre redevelopment will include a complete overhaul of the exterior of the Centre adding a glass façade and expanding the retail area.  There will be a reconfiguration of the interior space as well as the renovation of several of its key tenant spaces.

Manulife Centre will be home of Eataly: its first location in Canada.  The Centre currently has more than 40 shops, services and eateries including Cineplex, Bloor Street Market, Indigo, William Ashley, BMO, Bay Bloor Radio and Birks.  The retail hub is connected underground to the east-west Bloor subway line and the north-south Yonge subway line, providing year-round weather protected access.

“The transformation of this landmark property and the modernization at the corner of Bloor and Bay will build on the tremendous changes that are taking place in Yorkville,” said Kevin Adolphe, President & Chief Executive Officer of Manulife Real Estate. “Manulife Centre will feature a premier shopping experience and offer some of the most exciting dining in the city. We’re looking forward to bringing this to Toronto.”

About Manulife Real Estate

Manulife has been investing in and managing direct core and core-plus real estate for more than 80 years. Operating as John Hancock Real Estate in the U.S. and Manulife Real Estate elsewhere, we proudly invest, own, develop and asset manage commercial real estate in major metropolitan cities across the globe. We leverage our fully integrated in-house capabilities to best serve our customers and investors while generating value for our stakeholders. Manulife Real Estate manages the space requirements and own use facilities for Manulife and John Hancock operations around the world. Manulife Real Estate is the global real estate arm of Manulife and is a unit of Manulife Asset Management Private Markets where we extend our unique asset management capabilities for the benefit of institutional investors. As at June 30, 2016, the Manulife Real Estate portfolio totaled more than 62 million square feet with an AUM market value ofC$19.8 billion (US$15.2 billion). To find out how you can benefit from our unique approach to real estate please visit us at www.manuliferealestate.com.

About Manulife

Manulife Financial Corporation is a leading international financial services group providing forward-thinking solutions to help people with their big financial decisions. We operate as John Hancock in the United States, and Manulife elsewhere. We provide financial advice, insurance and wealth and asset management solutions for individuals, groups and institutions. At the end of 2015, we had approximately 34,000 employees, 63,000 agents, and thousands of distribution partners, serving 20 million customers. At the end ofJune 2016, we had $934 billion (US$718 billion) in assets under management and administration, and in the previous 12 months we made more than $25.4 billion in benefits, interest and other payments to our customers. Our principal operations are in Asia, Canadaand the United States where we have served customers for more than 100 years. With our global headquarters in Toronto, Canada, we trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges and under ‘945’ in Hong Kong. Follow Manulife on Twitter @ManulifeNews or visit www.manulife.com or www.johnhancock.com.

SOURCE Manulife Financial Corporation

Home owners insurance: Are you Covered?

Ottawa Business Journal 

Generally, most home owners have purchased home owners insurance. But, many often don’t read the fine print and rely on their insurance brokers to ensure that they have the proper coverage.

The Supreme Court of Canada defined the duty of insurance brokers in 1977 in Fine’s Flowers Ltd. v General Accident Assurance Co. of Canada. According to the Court, an insurance broker must exercise a reasonable degree of skill and care to obtain policies in the terms requested by the customer, service those policies as circumstances might require, and advise the customer if they are unable to obtain the policies requested so that the customer may take such further steps to protect himself/herself. Specifically, where the customer adequately describes their insurance needs to the broker, then the onus is on the broker to review the insurance needs of the customer and provide the full coverage requested. In that instance, should an uninsured loss occur, the broker will be liable unless he/she has pointed out the gaps in coverage to the customer and advised the customer on how to protect against those gaps.

But, this does not mean that the broker has an obligation to review each and every exclusion clause with the homeowner. It’s imperative that the home owner determine their own insurance needs and review the exclusion clauses within their home owners’ insurance policy to ensure that they take the steps necessary to prevent that exclusion. For example, many home owners’ insurance policies exclude any loss or damage caused by freezing during the usual heating season within a heated portion of the home if the home owner (and their family) has been away from their home for more than 4 consecutive days. The home owner can, however, negate this exclusion if, for example, they arranged for a competent person to enter their home each day that they were away to ensure that the heating was being maintained. Alternatively, the exclusion can be negated if the heating and plumbing systems are connected to a monitoring alarm station providing 24-hour service or if the water supply is shut off and all the pipes and domestic water containers are drained.

Additionally, home owners’ insurance policies sometimes exclude any loss or damage that occurs after the home has, to the insured’s knowledge, been vacant for more than 30 consecutive days. The definition of “vacant” will vary depending on the applicable policy.

These type of exclusions are not only important for those that relocate south during the winter months, but those that travel for a few weeks’ vacation, or perhaps even for a long weekend.

The specific exclusions and ways to negate the exclusions vary based on the insurance policy and the insurer, so it is very important to read your specific policy and see what applies to you and your home. Your insurance broker need only point out the gaps in your home insurance if you specifically advise of the broker of your insurance needs. Saying that you want “full coverage” will not necessary suffice.

Victoria Boddy is an Associate with the law firm of Howard Yegendorf & Associates.  Victoria can be reached at 613-237-5000 ext. 240 or vboddy@yegendorf.com. For more information about Victoria, please visit www.yegendorf.com.

Disclaimer and Cautionary Note

The foregoing provides only an overview and does not constitute legal advice or establish a lawyer-client relationship with the authors or BrazeauSeller.LLP. Readers are cautioned against making any decisions based on this material alone. Rather, specific legal advice should be obtained from a qualified lawyer.

Eligible educators: you can now claim your school supplies!

Eligible educators: you can now claim your school supplies!

The Canada Revenue Agency (CRA) is reminding teachers that they can now claim a refundable tax credit to offset the cost of supplies they purchase for their classrooms.

In a message posted to its website yesterday, the CRA noted that teachers may start claiming the new Eligible Educator School Supply Tax Credit this year. This 15% refundable tax credit is available on up to $1,000 of educational supplies purchased per year.

Who is eligible?

You can only claim this tax credit if you are a teacher or early childhood educator employed at an elementary or secondary school or a regulated child care facility:

  • You must have a teacher’s certificate that is valid in the province or territory where you are employed; or
  • You must have a certificate or diploma in early childhood education that is recognized in the province or territory where you are employed.

What kinds of teaching supplies are eligible?

For your supplies to be eligible for this credit, they must be:

  • purchased in the taxation year by an eligible educator;
  • used in a school or in a regulated child care facility for teaching or helping students learn;
  • not reimbursable and not subject to an allowance or other form of assistance (unless the reimbursement, allowance or assistance is included in the income of the teacher or educator and not deductible); and
  • not deducted or used in calculating a deduction from any person’s income for any taxation year.

Some examples of eligible supplies include:

  • construction paper;
  • flashcards;
  • items for science experiments;
  • art supplies;
  • various writing materials
  • games and puzzles;
  • books for the classroom; and
  • educational support software.

If you claim this tax credit, the CRA may ask you to provide a certification from your employer attesting to the eligible supplies expense. You should request the certification from your employer in a timely manner and keep it in your files, along with your receipts, in case the CRA requests.

Source; Canada Revenue Agency


No Negligence Where Customer Trips on Overlapping Mats

Reasons for judgement were released today by the BC Supreme Court, Vancouver Registry, dismissing a trip and fall lawsuit where a customer fell on over-lapping mats at a grocery store.

In the recent case (Biason v. Loblaws, Inc) the Plaintiff tripped and fell injuring herself while she walked on overlapping floor mats.  She argued that it was negligent for the store to have these mats overlap each other.  The Court noted that counsel could not point to other cases addressing such a fact pattern but ultimately found there was no negligence.  In dismissing the claim Madam Justice Baker provided the following reasons:

[29]         Mr. Patton testified that he was unaware of any previous incident involving a customer tripping over overlapped mats.  Although there was no direct evidence about the depth of the mats, from the description given, and the appearance of the mats on the recording, they were neither deep nor “plushy”.  The front end of the third mat that overlapped a portion of the rear end of the second mat was not wrinkled or buckled or folded back or lifting up in any unusual fashion.  Part of one mat was simply lying on top of part of another mat.

[30]         There is no evidence that there had been previous accidents due to overlapping mats – the evidence is to the contrary.  There is no evidence that the overlapping of mats was a recognized hazard in the industry.  Other customers had been walking over the mats without incident on the day that Ms. Biason tripped and fell…

[35]         I have read and considered all the other authorities provided by counsel.  Taking the authorities and all of the evidence into account, I have concluded that the plaintiff has failed to establish, on the balance of probabilities, that the placement of the mats in the defendant’s store constituted a failure on the part of the defendant to take reasonable care to ensure that the premises were reasonably safe.  The defendant placed the mats in the entryway to protect customers from a readily apparent and recognizable risk – the risk of slips and fall due to wet floors.  I am of the view that it was not reasonably foreseeable that a customer would fail to lift his or her feet sufficiently while walking to avoid tripping on the edge of one of the mats, even if those mats were slightly overlapping.

[36]         Having found no breach of the standard of care, and therefore no liability on the defendant’s part, Ms. Biason’s action must be dismissed.

Cayman Captive Insurance Industry Builds Its Presence in Canada

GEORGE TOWN, Grand Cayman–(BUSINESS WIRE)–The Cayman Islands captive insurance industry continues to build its position within the Canadian market as they head to the 2016 Risk and Insurance Management Society (RIMS) Canada Conference which is being held in Calgary 11–14 September 2016.

A team of experienced and respected members from the key Cayman-based insurance managers, law and audit firms and investment and banking institutions will be explaining the benefits of doing business in Cayman. With more than 600 delegates expected to attend RIMS this year, it is an ideal opportunity for Cayman to reinforce its status within the Captive Insurance arena.

The Insurance Managers Association of Cayman (IMAC) Chairperson Kieran O’Mahony commented, “Canada is a key market for Cayman Islands captives. With the 2011 tax information exchange agreement between the two countries, the strength of our legislative and regulatory infrastructure, and the extensive experience and expertise of our local service providers, Cayman offers Canadian companies a product that is well-tested and efficient. Our business cultures are similar and our laws are Common Law based, and with a number of Canadian captives already domiciled in Cayman we are excited to have this opportunity to continue the trend and to explore these synergies further.”

In keeping with tradition, the Cayman Islands will be hosting a Cayman Style Beach Party networking event the evening of Tuesday September 13th that conference delegates will not want to miss. For further details on the event, and to RSVP, please contact Neville Hicks at neville.hicks@fivecontinents.ky or William Forsythe at william.forsythe@caymancaptive.ky.

Insurance Managers Association of Cayman (IMAC) is a non-profit organisation run by the insurance managers of the Cayman Islands. In operation since 1981, IMAC’s aim is to act as both regulatory liaison with the Cayman Islands Government and to promote the Cayman Islands as a domicile of choice for captive insurance companies.

For more information on IMAC visit www.caymancaptive.ky.


Insurance Managers Association of Cayman
William Forsythe, +1-345-949-4622

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