Cannabis Legalization in Canada - What You Need to Know About Driving and Recreational Use

Personal Auto

Although 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 Auto

1st 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 Influence

All 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 Cannabis

There 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 Auto

There 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

5 Essential Tips to Reduce Data Breach Exposure

  Data breaches are increasingly becoming one of the biggest plagues of modern businesses, be those small or big companies. With 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 Employees

The 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 Plan

No 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 Data

Encryption 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 Importance

Most 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 Insurance

In 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

Business Interruption Insurance Explained - Your Business Can't Survive Without It

  Every business owner is acutely aware of the fact that their company needs to protect itself by being 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 Works

As 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.

Why You Need Business Interruption Insurance

In essence, all of the things about this insurance that we mentioned, in effect mean that a Business Interruption Insurance Policy will cover all the most essential expenses and the loss of income your business will have to endure due to a disaster. You will continue to have these benefits until your original property is again fully operational. When put in such terms, it’s quite evident that this type of insurance will effectively allow you to continue operating your business and reaping its usual benefits as if nothing has happened.

Everything Else That You Need to Know

Getting a proper Business Interruption Insurance is vital if you want to get all the benefits you need and deserve. To do that, it’s much better to hire an insurance broker to look out for you as opposed to purchasing something online with little or no interaction with a broker. They can provide you with all the details you need to know and to properly inform you of what is best for you and your business. It will ensure that your company is adequately insured and that it will continue to operate the way you want and deserve. Read more

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