38% of Canadian Professionals Will Shop Online From Work This Holiday Season

38% of Canadian Professionals Will Shop Online From Work This Holiday Season

Toronto, ON — Online shopping has afforded consumers the luxury of shopping around the clock, but how many professionals take advantage by shopping on the clock during the holidays? Nearly two in five Canadian employees (38 per cent) will be “workshopping” — shopping online from the office or when using corporate devices — according to a new survey from staffing firm Robert Half Technology. Of those respondents, 21 per cent admitted that looking for cyber deals hinders their on-the-job productivity.

Even though 76 per cent of technology leaders said their firm allows for it, more than half (55 per cent) prefer employees avoid shopping online during business hours or while using a company device. Security risks (62 per cent) and loss of productivity (30 per cent) are the top “workshopping” concerns among tech managers. 

“Between planning for the holidays, fitting in social obligations and wrapping up major projects, year-end can be a stressful time for workers,” said Deborah Bottineau, district director for Robert Half Technology. “Online shopping during the workday can be a helpful way to manage to-do lists and alleviate some of the pressures of the season.”

“Tech leaders should anticipate an increase in online shopping this time of year and make a proactive effort to refresh and communicate IT security policies with their teams,” added Bottineau. “Ensuring employees limit their browsing time and understand safe online practices can mitigate potential risks to the organization and help staff stay productive both at and outside of work.”

Additional findings:

  • Workers ages 18 to 34 (47 per cent) are the most likely to “workshop,” compared to 38 per cent of workers ages 35 to 54 and 17 per cent of workers 55 and older.
  • Forty-four per cent of all “workshoppers” say they’ll spend under 30 minutes per week shopping from work during the holiday season, while 38 per cent will spend up to an hour per week “workshopping.”
  • Thirty-nine per cent say they like to “workshop” just about any day; 22 per cent say Cyber Monday is their favourite day to “workshop,” followed by Amazon Prime Day (16 per cent).

About the Research
The online surveys were developed by Robert Half Technology and conducted by independent research firms. They include responses from more than 500 workers 18 years of age or older and employed in office environments and more than 270 IT decision makers in Canada.

About Robert Half Technology
With more than 100 locations worldwide, Robert Half Technology is a leading provider of technology professionals for initiatives ranging from web development and multiplatform systems integration to network security and technical support. Robert Half Technology offers online job search services at roberthalf.ca/technology

Brown & Brown, Inc. Enters into Agreement to Acquire Special Risk Insurance Managers, Ltd.

DAYTONA BEACH, Fla., Dec. 09, 2019 (GLOBE NEWSWIRE) — J. Scott Penny, Chief Acquisitions Officer of Brown & Brown, Inc. (NYSE:BRO), and Mark Woodall and Tom Willie, the principals of Special Risk Insurance Managers, Ltd. (“Special Risk”), today announced that Brown & Brown Programs (CA), Inc. has entered into an agreement to acquire the assets of Special Risk.  The transaction is expected to close effective January 1, 2020, subject to certain closing conditions.

Founded in 1991, Special Risk has grown to a preeminent player in the MGA industry in Canada, recognized as MGA of the Year in 2018.  The acquisition of Special Risk is a strategic step forward for Brown & Brown in establishing a presence in the Canadian insurance brokerage market.  Special Risk will operate as a part of Brown & Brown National Programs, which, under the leadership of Chris Walker, consists of over sixty specialty niche programs and collectively represents over $3 billion in written premium.  Special Risk will become a distinct operating division in the National Programs Division alongside specialist operations such as Arrowhead General Insurance Agency and Bellingham Underwriters.  Mark Woodall will continue to lead the Special Risk team and will be part of the leadership team of the National Programs Division, reporting to Chris Walker.  Tom Willie will continue to the lead the underwriting team of Special Risk.

Chris Walker, President of Brown & Brown National Programs stated, “We are delighted to bring Mark, Tom and their exceptional team of professionals to our operation. We are excited about the opportunities in Canada and believe with Special Risk we now have the talent, reputation and platform to succeed.”

Mark Woodall stated, “I see this partnership as an exceptional marketing advantage going forward for Special Risk.  Brown & Brown will bring us new major insurer opportunities, enhanced Lloyd’s relationships and new and innovative products to offer our retail broker network.  We are very excited about our future within Brown & Brown National Programs.”

Brown & Brown, Inc. is a leading insurance brokerage firm, providing risk management solutions to individuals and businesses. With Brown & Brown’s 80 years of proven success and thousands of teammates, we offer knowledge you can trust and strive to deliver superior customer service.  For more information, please visit bbinsurance.com.

This press release may contain certain statements relating to future results which are forward-looking statements, including those associated with this acquisition. These statements are not historical facts, but instead represent only Brown & Brown’s current belief regarding future events, many of which, by their nature, are inherently uncertain and outside of Brown & Brown’s control. It is possible that Brown & Brown’s actual results and financial condition may differ, possibly materially, from the anticipated results and financial condition indicated in these forward-looking statements. Further information concerning Brown & Brown and its business, including factors that potentially could materially affect Brown & Brown’s financial results and condition, as well as its other achievements, is contained in Brown & Brown’s filings with the Securities and Exchange Commission. Such factors include those factors relevant to Brown & Brown’s consummation and integration of the announced acquisition, including any matters analyzed in the due diligence process, and material adverse changes in the business and financial condition of the seller, the buyer, or both, and their respective customers. All forward-looking statements made herein are made only as of the date of this release, and Brown & Brown does not undertake any obligation to publicly update or correct any forward-looking statements to reflect events or circumstances that subsequently occur or of which Brown & Brown hereafter becomes aware.

R. Andrew Watts
Chief Financial Officer
(386) 239-5770

Okanagan woman fights for prompt insurance payout after serious overseas accident

The excerpted article was written BY

A Lake Country woman said she went into shock immediately after she was in a severe accident in Indonesia, but it was the pain that followed while she was waiting in the emergency room for her insurance coverage to kick in that was most agonizing.

Brittany Roth was exploring a small island near Bali on the back of a scooter when the road made a sharp turn.

“My left knee clipped a jagged rock wall and tore me off the bike,” she said.

Brittany said she looked down and saw an exposed kneecap, a foot that was ripped open and her leg covered in blood.

“I looked at my friend and I said, ‘We have to call travel insurance now’,” she said. “I know you have to call the insurance company before you make a claim or it’s void.

An ambulance then rushed her to a local medical clinic, but her injuries were too severe for staff to treat.

Brittany said she was told she needed to catch a boat back to the main island before sundown.

But despite her insurance coverage, she had to pay up first.

“The way that it works in Bali unfortunately, is the care is really, really good, but until you can pay the bill, you don’t get treatment,” Brittany said. “So they said, ‘we need a credit card now or you’re on your own for the night.’”

Her travelling companion called Brittany’s sister Brooke Roth in the middle of the night in Canada, asking for her credit card number.

“My sister said it was terrifying receiving the call, hearing me screaming in the background. She thought I was getting kidnapped, she didn’t know why I needed a credit card,” Brittany said.

Brooke said she tried to stay calm as she learned the details.

Brooke paid the bill, and Brittany was put on a spine board for transport to Bali.

Some locals and her travelling companion carried Brittany to the waiting boat.

“They had to go down really, really steep concrete stairs to get to the beach, and then they had to walk through the ocean, knee-deep through water to get me to this boat,” Brittany said.

When the 20-year-old arrived at the hospital in Bali, still in a bathing suit, she was met with another bill — this one for $12,000.

“I was there for about four hours,” Brittany said. “They had said, ‘Unless we receive payment in 15 minutes, I’m sorry, we have to let you go. We can’t keep you here anymore.’”

“We were terrified thinking that we might be on the street,” Brittany said. “I don’t know what to do with my leg. I can’t walk. I’m bleeding.”

Meanwhile, back in Canada, Brooke was in a bureaucratic battle with Pacific Blue Cross Insurance.

“It was really frustrating. We had the approval right in front of us, but it took them so long to send the confirmation to the hospital,” she said.

After hours on the phone, confirmation finally went through, and Brittany successfully underwent surgery.

She received 38 stitches, has a torn tendon and is now moving around with crutches.

The sisters are still waiting for their $3,500 back, and Brittany is out-of-pocket the $3,000 expense of flying home unexpectedly.

Friends have started a GoFundMe campaign to help Brittany recover some of her costs.

Pacific Blue Cross declined an interview, but emailed Global News a statement on Monday.

“All travel insurance policies require contact with the insurer as soon as possible after an event has occurred to ensure the best treatment for the insured individual and to properly facilitate the claim,” it said.

“We’re obligated to work within each country’s medical system; it is not uncommon for medical facilities to require confirmation of payment, which we appreciate is unpleasant when injured.”

The insurance company also said that it can’t address specific cases because of privacy concerns.

Global News

ICBC provides Drive Smart tips for holiday shopping season

ICBC provides Drive Smart tips for holiday shopping season

As the holiday shopping season officially kicks off this week, ICBC is asking drivers to prioritize safety over finding the perfect parking spot. Last year, there were about 96,000 crashes that happened in parking lots.*

ICBC receives hundreds of thousands of claims every year, with vehicle damage costs totaling $1.33 billion in 2018 alone.

While some may believe that driving in parking lots is ‘safer’ than highway driving, parking lots present drivers with other challenges such as increased congestion and heavy pedestrian activity. The holiday season could add a layer of distraction with people apt to be more preoccupied with their shopping list or finding a parking spot.

Drivers are encouraged to apply a bit of holiday cheer, be courteous and have a bit more patience during this time of year with these Drive Smart tips from ICBC:

  • The rules of the road still apply, even on private property where the public is invited to park. Don’t use your phone while driving, even in parking lots. Program your navigation or holiday tunes before you put your car in gear.
  • Have your car facing out in your parking spot: This position is safest for drivers because it helps you avoid the risk of reversing into a lane with potential blind spots when leaving.
  • Park further away, if you can: Instead of circling endlessly to get a spot that’s closest to the mall entrance, pick a spot that’s further away. You’ll avoid a high-traffic area where you’re more likely to crash with another vehicle or hit a pedestrian.
  • Slow down and be on alert: Drivers should drive slowly in parking lots to have enough time to react to an unexpected vehicle backing out of their parking spot or an unanticipated pedestrian, especially young children, who may be harder to see.
  • Pay attention to the arrows and stop signs: Many parking lots are quite narrow, restricting certain lanes to a single direction. Pay attention to the signs and markings on the road to avoid getting into a crash.
  • Don’t block traffic: Deciding to follow a shopper, then waiting for them to load their car, buckle up and leave, jams up traffic behind you and likely takes you much longer than if you had just found a spot further away. Sitting idle in a lane can leave you vulnerable to a collision, and you could be blocking other drivers who are trying to leave.
  • Let it go: No sense in having a showdown with another driver for a parking spot. Move along, and maybe that good karma will net you something really nice this season.

Statistics

  • About 96,000 crashes occurred in parking lots in 2018. About 4,300 resulted in casualties and 92,000 resulted in damages only.

  • 480 pedestrians were injured in parking lot collisions last year.
  • There were 4,000 reported instances of theft from a vehicle in a parking lot last year

Shopping bag giveaway

As always, ICBC reminds all shoppers to keep their belongings with them or out of sight in their vehicle.

ICBC will be talking to customers about driving safely and handing out a limited quantity of large, reusable shopping bags at the following locations:

  • Highstreet Mall, Abbotsford: Friday, November 29th from 3:00 p.m. to 6:00 p.m. ICBC and Police will be handing out bags in the Central Plaza.
  • Pacific Centre, Vancouver: Saturday, November 30th from 9:30 a.m. to 11:00 a.m. or until supplies last. Look for volunteers from West End Coal Harbour Community Policing and Granville Community Policing Centres with ICBC, handing out bags at the Easy Park Parking Lot.
  • Coquitlam Centre Mall, Coquitlam: Saturday, December 6th from 12:00 p.m. to 3:00 p.m. ICBC and RCMP will be handing out bags near the food court.
  • Pine Centre Mall, Prince George: Thursday, December 12 from 1:00 p.m. to 2:30 p.m. ICBC and Operation Red Nose’s mascot, Rudy the reindeer, will be handing out bags at the main entrance.

* 2018 vehicle claims data. Rounded to the nearest thousand.

DYK: Nearly half of Canadian drivers think vehicle safety technology poses a risk to road safety

DYK: Nearly half of Canadian drivers think vehicle safety technology poses a risk to road safety

Over-reliance on technology and lack of education cited as main factors

Toronto, ON, November 27, 2019 – Your vehicle brakes automatically to avoid a collision. It beeps to warn you if there is a car in your blind spot. The steering wheel vibrates if you unintentionally drift out of your lane or start crossing lanes without signalling. A light flashes to warn you of a risk of a frontal collision. These features are all designed to make driving safer, but nearly half of Canadian drivers also think they pose a risk to road safety, according to a recent survey released by Desjardins Insurance.Increasingly, vehicles on our roads are equipped with highly sophisticated safety features to prevent crashes or warn drivers of unsafe conditions. While a majority of drivers agree that these safety features are needed to make our roads safer (51%), the survey data suggests more needs to be done to ensure drivers not only understand what these features are meant to do, but also what they don’t guard against.

“While studies clearly show that crash avoidance and other safety systems in newer cars are reducing collisions and saving lives, the survey’s findings are enough to give us pause. They are an important reminder that no matter how sophisticated the safety systems, the driver’s vigilance and attention are essential to ensure safe driving, both for the people in the vehicle and those who share the road with motorists,” said Alain Hade, Vice-President, Marketing and Member Client Experience at Desjardins Insurance.

Among the survey’s highlights, it was found that:
  • 48% of drivers think vehicle safety technologies pose a risk to road safety
  • 46% of drivers think Canadian drivers are over-reliant on vehicle safety technologies
  • 80% think there should be more education on how to use safety features in vehicles
  • 63% of Canadians, drivers or not, feel advanced safety technology can contribute to distraction among drivers
However, the survey did reveal some positive points, including:
  • 52% of drivers believe vehicle safety features help reduce the number of collisions
  • 51% of drivers feel vehicle safety features are needed to keep our roads safer

“It’s important that driver knowledge of safety features and confidence in them is on the rise, particularly as they are exposed to features that are increasingly standard on new vehicles,” said Robyn Robertson, President and CEO of the Traffic Injury Research Foundation. “Caution is warranted in the promotion of safety features and their benefits to ensure Canadians understand the functionality and limitations of them, and to discourage drivers from relying on them in situations for which they were not designed.”

Are we ready for autonomous vehicles?
With most car manufacturers expected to unveil semi- or fully autonomous vehicles in the not-too-distant future, it is clear Canadians are somewhat reluctant to fully embrace the technology. According to survey results, less than a third of Canadians who expressed an opinion on that matter (28%) say they would trust being driven in a fully autonomous vehicle.

“These results lead us to believe that people experienced with the technology have confidence in vehicle safety systems, but not blindly,” added Hade. “Drivers need to be well informed about the car they’re driving before getting behind the wheel. This means knowing what the features and technology can and cannot do. Safety technologies are important to prevent injuries and fatalities, but they also have limitations.”

Impact on insurance
Half (52%) believe the safety systems help reduce the number of crashes; however, they rely on costly electronic components and sensors that also have a direct impact on the cost of repairing a vehicle. Between 2009 and 2016, the average cost of a two-vehicle collision (at-fault and not-at-fault) jumped 30%.

WSIB Rate Framework: Gearing Up For 2020

Article by Jerry Cukier

Effective January 1, 2020, the Workplace Safety and Insurance Board (the “WSIB”) is changing the way premium rates are set for over 300,000 Ontario businesses covered by its workplace injury and illness insurance.

The new model will change the way businesses are classified, boosting fairness and increasing transparency as to how premium rates are set and adjusted.

The WSIB’s new model will use a two-step approach to set and adjust premium rates for businesses:

  1. Set an average rate for each industry class based on their risk profile and share of responsibility to maintain the insurance fund.
  2. Examine how a company’s individual claim history compares to the rest of the businesses in its class. This means that businesses’ overall rates under the new model will reflect their individual claims experience and risk.

The WSIB will be using insurable earnings, claims costs and the number of allowed claims, over a six-year period to set premium rates. For new businesses with less than one year of experience, premium rate will be the class rate.

The WSIB is offering monthly webinars to ensure Ontario businesses are prepared for the New Rate Framework. More detailed information on these changes can be found on the WSIB website.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

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