IBC Top 10: Tips to avoid slips, trips and falls

Despite mild winter in some parts of Ontario, Ontarians need to remember that a quick change in temperature leading to freezing conditions or a heavy snowfall can be hazardous for pedestrians, creating slippery sidewalks, driveways and walkways. Insurance Bureau of Canada (IBC) is reminding pedestrians to be careful and encouraging homeowners to take steps to help ensure their properties are safe.

“Each winter, slip-and-fall accidents cause serious injuries. Many of these incidents occur in places that people mistakenly assume are safe, such as right outside their front door or in their driveway while getting into the car,” said Kim Donaldson, Vice-President, Ontario, Insurance Bureau of Canada (IBC). “We all have a role to play in keeping our property safe, to say nothing of ensuring the safety of our friends and family.”

IBC’s Top 10 tips for avoiding slips, trips and falls while walking on snow or ice are:

  1. Wear sturdy footwear with good grip.
    • You can always change into other shoes when you reach your destination.
  2. Walk slowly and take short, deliberate steps.
    • Allow yourself extra time to get from point A to B so you don’t need to make a last-minute dash.
  3. Avoid walking with your hands in your pockets.
    • Keeping your hands free helps with balance.
  4. Avoid areas with poor lighting.
    • Remember that black ice can look like wet pavement.
  5. Use the handrails on stairs so you can catch yourself if you slip.
  6. Take extra care when entering or exiting vehicles.
  7. Keep walkways clear of debris, water, ice and other slippery materials.
  8. Push the snow rather than lift it when shovelling.
    • If you must throw snow, take only as much as you can easily lift, and bend with your knees, not your back.
  9. Try to shovel your driveway and sidewalk immediately after a snowfall, before it gets packed down.
    • Many municipalities have bylaws that require homeowners to clear city-owned sidewalks adjacent to their property within 24 hours after a snowfall.
  10. Salt or sand your front steps, driveway and sidewalk.

About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, car and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 118,000 Canadians, pays $6.7 billion in taxes and has a total premium base of $48 billion.

For media releases and more information, visit IBC’s Media Centre at www.ibc.ca. If you have a question about home, car or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

Worst passwords of 2015: Did yours make the list?

Worst passwords of 2015: Did yours make the list?


Do you have a safe password, or are your accounts open season for hackers? The list of 2015’s worst passwords will help you to find out.

Year in and year out web users are reminded of the danger of using poor passwords for their online accounts – and 2015 was no different. From the Ashley Madison hacking scandal, to a data leak affecting children’s electronic toy company VTech, there were plenty of examples as to why password security is important.

But if the following list is any indication, people still aren’t getting the message.

SplashData, a password management application company, has released its annual list of the 25 worst passwords of the year. The list is compiled from files containing over two million leaked passwords from 2015.

For the fourth year in a row “123456’ and “password” topped the list.

The data was largely compiled from North American and Western Europe.

Here’s the full list:

  1. 123456
  2. password
  3. 12345678
  4. qwerty
  5. 12345
  6. 123456789
  7. football
  8. 1234
  9. 1234567
  10. baseball
  11. welcome
  12. 1234567890
  13. abc123
  14. 111111
  15. 1qaz2wsx
  16. dragon
  17. master
  18. monkey
  19. letmein
  20. login
  21. princess
  22. qwertyuiop
  23. solo
  24. passw0rd
  25. starwars

Tips for creating secure passwords

If any of your passwords made this list, you might want to consider some of the following advice.

Stay away from easy-to-guess passwords like “123456″ or “password” as well as easy to guess identifiers, like your dog’s name.

Numbers included in a password should never be something easy to guess based on the user. That means your age, the current year, or your address are not good choices. Similarly, the longer the password the better.

Passwords that use up to 10 uppercase and lowercase letters mixed with numbers are proven to be more secure – despite being hard to remember.

One tip is to construct a password from a sentence, mix in a few uppercase letters and a number – for example, “There is no place like home,” would become “tiNOplh62.”

And remember, try not to use the same password for any two accounts.

New Training And Safety Requirements For Drill Rig Operators In Ontario

The Ontario government has passed amendments under the Occupational Health and Safety Act which provide new technical and operational safety measures and procedures for rotary foundation drill rigs, and require that drill rig operators be trained and certified.

The amendments containing the new drill rig requirements, which have been passed in regulation, will come into effect on July 1, 2016 to allow time for the construction industry to comply.

The Ministry of Labour states in its press release that rotary foundation drill rigs are used for boring holes in soil in order to install foundations or earth retention structures.

Ontario is the only jurisdiction in Canada to implement explicit training requirements for drill rig operators in its health and safety legislation. The Ministry states in its press release that these changes are intended to build on actions that the province is already taking to improve safety for construction workers, including the Working at Heights Training requirements (read our article about this training here). The Ministry says that Ontario’s construction industry has traditionally experienced higher rates of workplace injuries and fatalities than other workplace sectors, and that there were 200 critical injuries in construction last year and 21 fatalities.

The Ministry of Labour’s press release announcing the changes can be found here.

For more information, visit our Occupational Health & Safety Law blog at www.occupationalhealthandsafetylaw.com

About Dentons

Dentons is a global firm driven to provide you with the competitive edge in an increasingly complex and interconnected marketplace. We were formed by the March 2013 combination of international law firm Salans LLP, Canadian law firm Fraser Milner Casgrain LLP (FMC) and international law firm SNR Denton.

Learn more at www.dentons.com

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. Specific Questions relating to this article should be addressed directly to the author.

Article by Chelsea Rasmussen

Terrorism and Insurance: What You Need to Know

Terrorism and Insurance: What You Need to Know

 | Huffington Post

Whether it’s TV, the newspaper or social news feeds, today’s media coverage is a constant reminder of the violence and civil unrest around the world.

As a father and business owner, the idea of having the safety of my family and community threatened is unimaginable. Unfortunately, however, in many parts of the world (and even here in America), it’s a legitimate concern. While the idea of terrorism is an unappetizing discussion, we’d be remiss not to consider and prepare ourselves for the unthinkable. These tragedies happen more often than they should, and businesses (large and small) should prepare accordingly in case acts of terrorism strike close to home.

According to Insurance Information Institute, roughly 60% of U.S. companies carry terrorism insurance, yet there is often confusion about what this type of insurance covers and who should consider investing in it. Below are a few helpful answers to clear up some of these common questions.

Terrorism Insurance: What It Is, What it Covers

In the U.S., terrorism insurance is offered as an addition to your standard commercial insurance policy. This type of insurance often covers damages to your building and equipment following a terrorist attack. (Note: The U.S. Department of the Treasurymust certify the event as an act of terrorism before a claim can be filed).

Depending on your policy, you may also be covered for any losses stemming from an interruption to your business operation. If you manage insurance for your organization, talk to your insurance provider to see if your company would be covered for this type of loss, or if you should also consider adding business interruption insurance to your policy. The cost of this addition varies based on several factors, including your business’ needs, perceived risks, size and location. Talk to your insurance provider to receive an accurate quote to consider.

Terrorism Insurance: Quick Background

Following the devastation of 9/11, many insurance companies began limiting (and even eliminating) terrorism coverage for clients. To help solve this problem, President Bush signed the Terrorism Risk Insurance Act (TRIA) in November 2002. This temporary federal program was designed to enable the insurance industry to share losses with the federal government following a major terrorist attack–which “effectively limit[ed] insurers’ losses [and] greatly simplif[ied] the underwriting process.” The act was renewed in 2005, and named the Terrorism Risk Insurance Extension Act (TRIEA) of 2005.

In January 2015, President Obama signed the Terrorism Risk Insurance Program Reauthorization Act (TRIPRA) of 2015. This program “amended and extended” the TRIA of 2002, and is effective until December 31, 2020.

For more information about the amended Act, including filing procedures for property and casualty insurers, visit the National Association of Insurance Commissioners.

Terrorism Insurance: Who Needs It?

Investing in terrorism insurance is entirely up to your organization and the level of perceived or known risks associated with your operation. If you’re unsure if you should invest in this type of policy, contact your insurance agent to discuss your risks and exposures.

Your agent will likely assess:




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