Personal AutoAlthough effective October 17, 2018 Ontarians will be allowed to use Cannabis recreationally, there are still some very strict laws as it applies to driving under the influence of Cannabis. Drivers with the following licenses: G1, G2, M1, M2 and 21 years of age and younger are PROHIBITED from having any drug in their body while driving. If they drive with a drug in their body they will be guilty of an offence. The only exception to this law is if the officer is satisfied that the driver is authorized to use the drug for medical reasons.
Zero Tolerance Penalties for Drugs or Alcohol - Personal Auto1st Offence - 3 Day License Suspension and $250 Penalty 2nd Offence - 7 Day License Suspension and $350 Penalty 3rd and Subsequent Offences - 30 Day Suspension and $450 Penalty
What Happens if you Get Into an Accident Under the InfluenceAll coverage related to your vehicle will be DECLINED in the event of a claim. In other words, not only will you have to repair/replace your own car, defend yourself in court, pay your own legal fees and pay for the award from the judge if found guilty.
How Will You Be Tested for the Presence of CannabisThere will be an Oral Fluid Sample and a Blood Sample. Currently, their tests are much more able to identify that presence of Cannabis and not the levels in your system.
Commercial AutoThere is Zero Tolerance for all Commercial Truck Drivers for Prohibiting the presence of drugs and/or alcohol in their system. Again the only exception to this law is if the officer is satisfied that the driver is authorized to use the drug for medical reasons. This means that All Commercial Drivers cannot use Cannabis recreationally.
The Commercial Auto Penalties are considerably less than for Personal Auto:1st Offence - 3 Day License Suspension and $250 Penalty 2nd Offence - 3 Day License Suspension and $350 Penalty 3rd and Subsequent Offences - 3 Day Suspension and $450 Penalty Read more
cyber security becoming a problem for everyone, it’s a good thing to start thinking more about it, if you’re not already. Data breaches can be simple nuisances, or they can seriously jeopardize your entire business, which is why your best option is to try to limit your exposure to them. With that in mind, we have compiled a list of essential tips that can help you in reducing your data breach exposure.
1. Train Your EmployeesThe first thing that you should do and this goes for all types of companies, no matter their size, is to train your workforce. Even if you have the best cybersecurity money can buy, your exposure to data breaches can still be massive due to human errors. The security you have won’t mean much unless you educate your employees about it and how to handle the company’s data. It is vital because a data breach can happen from a simple USB thumb drive that one of your employees never checks, just like most people.
2. Create a Response PlanNo security system is perfect, and no matter what you do, a data breach can still happen at some point, which is why it’s good to have a plan up front. You can develop a plan by yourself and with your team, or you can hire experts to help you. Either way, it’s vital that you do have a plan, even though a chance for a data breach is small.
3. Encrypt Your DataEncryption is the fundamental part of any cybersecurity plan. It is the simplest and yet the most effective way of protecting data. Encrypted files can still be stolen, but they cannot be accessed without an encryption key. Even the most advanced computer cannot breach a file that was adequately encrypted.
4. Classify Data According to ImportanceMost companies have a lot of data, and it can be hard to protect all of it adequately. It’s much better to classify your data by its value to the company. It’s good to organize all of your data either way, as some information is more sensitive while some other is not as essential for the company. This way you can also decide who can have access to specific data and how should everyone handle it. Doing this would further increase your security, and you would in effect also protect yourself from possible data breaches.
5. Cyber InsuranceIn the end, it’s always an excellent idea to get cyber insurance. You should get advice on this from a good insurance broker. Your broker should have an excellent understanding of your business and your exposures. He/she should be able to give you an estimate of what the potential consequences are as a result of a breach and how best a proper policy can minimize or eliminate these consequences. Read more
fully insured adequately. However, many are not familiar with the full extent of the necessary insurance. Property damage is usually the first thing that comes to mind. However, your business needs to be insured for the loss of income as well. When your business unexpectedly comes to a halt, you naturally start losing revenue as well. The good thing is that you can insure for this. The term for the type of insurance that covers the loss of income is Business Interruption. However, you are probably wondering what this type of coverage is and more importantly, how it works, and why you need it. We will explain precisely that.
What Is Business Interruption Insurance and How It WorksAs we mentioned, this type of insurance covers the loss of income, but only when that loss of income occurs due to an unforeseen disaster. Traditional property insurance does cover the losses you suffer when a disaster occurs, but it never accounts for the loss of income that happens after and as a direct result of that disaster. That’s precisely where Business Interruption Insurance comes in handy. Proper coverage of this type will make sure that the loss of income, clientele, and employees, is reduced. Most types of Business Interruption Insurance Policies offer several benefits:
- They cover all of the profits that your company would have made, had the disaster not occurred. The exact amounts are calculated according to the previous financial records.
- They cover all the expenses that your business must pay, even though it’s temporarily not operating. Included in these expenses are also the ones which occur from the company working at a temporary location.