Chimene Puder, Insurance broker

Chimene Puder, Insurance broker Commercial and Personal Insurance Broker

05/12/2022

If you are leasing a commercial space for your business operations, there are a few requirements you should be aware of when arranging your Commercial General Liability insurance protection.

Commercial building owners will want to ensure that you have a minimum Commercial General Liability coverage limit of $2,000,000 - $5,000,000 in order to protect against injury or property damage claims occurring on the premises as a result of your business operations.

The landlord may also request to be listed as the Additional Insured on the Commercial General Liability policy. This allows for an amount of liability protection to be afforded to the landlord in the event of an injury on the premises where the property owner is held liable. Some insurance policies have coverage automatically included for lessors of premises leased to you.

An Additional Insured document may be requested by the landlord as proof of insurance reflecting the location details, landlord name and address, and the coverage limits you hold on your policy. If you have several landlords for the location being leased or several locations leased with the same landlord, you will need an Additional Insured document for each landlord/location.

If you have any questions about commercial insurance protection for your business, I can help. [email protected] / mobile 289-338-5843

04/13/2022

Cyber Crime is the #1 crime worldwide with ransomware being the biggest threat. Over $10 trillion has been paid out to this crime in 2021. Professional services, healthcare and consumer services are the common industries targeted.

Cyber criminals use malware which encodes all data in the network to restrict access and then will charge a large ransom to provide a decryption tool.

There are several things you can do to lessen the vulnerability of your business to cyber criminals.
1. Train your employees to properly identify malware and phishing attempts.
2. Perform regular pe*******on tests of your network. (I.e., Send a phishing test and identify who opened the attachment.)
3. Perform frequent backups of your data.
4. Install system updates promptly.
5. Create a 2-person approval process for payments.
6. Encrypt all IoT devices.
7. Perform regular password changes.
8. Add Cyber Insurance coverage to your commercial property policy.

Cyber Insurance will provide your business with protection from the financial strains of data and system restoration costs, system restoration costs and business income during the time your business is unable to operate because of the data breach.

If you are an agent or business owner and have questions about your commercial insurance policy, I can help. [email protected] / cell: 289-338-5843

04/12/2022

So, they are giving you a discount to insure your home and car together. That's great! But is that why you are choosing your insurance provider? What about when you need information on protecting your business operations or even more importantly protecting your family? What about when you have a claim? Will you be able to talk to the insurance representative that set up your policy or will there be a team of agents you need to meet every time you have a question?
Customers can save more year over year by choosing the right insurance professional. But what is the right insurance professional for you? Here are some questions to ask yourself.
Do you...
A) Prefer to have an insurance professional shop the market for your renewal automatically?
OR
B) Have time yourself, to check the market at every policy renewal to see if you are getting the best coverage and rates?
Do you...
A) Have a provider with several policy options to meet your protection needs?
OR
B) Is just one policy option provided with your carrier causing you to seek insurance separately for your business and lifestyle from other providers?
Do you...
A) Like dealing with one insurance professional?
OR
B) A team of insurance advisors?
Do you...
A) Want specific industry knowledge on how to protect your family, lifestyle, and business?
OR
B) Want general insurance information when you have a question?
If you chose (A) for any of the above questions, you need an experienced insurance broker who can manage your insurance portfolio effectively delivering you peace of mind and an ongoing commitment to delivering you value for the lifecycle of your policy.
Does it cost more to have this additional expertise and sophisticated handling of your insurance portfolio? Not a nickel.
An experienced insurance broker can bring you value far beyond the car and home discount you hear about on tv and has access to that discount too!
So, what should you expect from an experienced insurance broker?
• Insurance premiums can be one of the costliest expenses. An experienced insurance broker knows that insurance rates can change daily and keeps abreast of industry rate filings to secure the very best rates available for the best protection offered to you.
• Time is another very costly expense for business owners or busy families. Working within an insurance company's hours of operation can be an obstacle for some. An experienced insurance broker provides a flexible schedule to meet yours, always available to you, ready to secure coverage keeping you protected at any hour of the day.
• Information is a valuable commodity and with so much of it out there in the insurance market it's hard to understand what the best solution is for your protection. With an experienced insurance broker, you never have to think about insurance again because you will have an insurance expert at the helm managing your portfolio for you always up to date on current and relevant industry knowledge to ensure your protection for the long term.
Ready to have an experienced insurance broker handle your protection needs at the very best rates? [email protected] mobile: 289-338-5843

04/12/2022

Auto insurance rates are on the rise with the lifting of covid restrictions and employees returning to the office commute. There are still auto insurance products that can save you large premium dollars with low mileage and safe driving habits. If you have questions about your auto insurance renewal, I can help. [email protected] / cell 289-338-5843

Ontario small business owners without risk managers are reliant on the advice of their insurance representative to ident...
04/07/2022

Ontario small business owners without risk managers are reliant on the advice of their insurance representative to identify risks of their business and help them choose the appropriate insurance products to protect their business against potential losses.
Most of your clients know the importance of insuring against losses to building, equipment and stock. But, do they understand the impact that an interruption to business can have on their operations? Even a short interruption will result in a reduction in sales and loss of profits. Your clients may have to continue to pay fixed expenses such as property taxes, rent and employee wages.
Business Interruption insurance covers the business's loss of income while unable to operate due to a covered loss.
If you are an insurance agent or a business owner and you have questions about commercial insurance, I can help. [email protected] 289-338-5843

Auto insurance rates are on the rise following the lifting of covid restrictions and people returning to a daily commute...
04/06/2022

Auto insurance rates are on the rise following the lifting of covid restrictions and people returning to a daily commute to the office. With 30 years of industry experience, I can help. [email protected] 289-338-5843

In the year 2015, April Jones was walking inside a South Carolina Walmart when she felt a sharp pain in her foot. This p...
04/05/2022

In the year 2015, April Jones was walking inside a South Carolina Walmart when she felt a sharp pain in her foot. This pain happened to be a rusty nail that had pierced her shoe embedding into her foot. This was followed by an infection and 3 amputations leaving Jones with the loss of most of her right leg. Jones filed a lawsuit in 2017 and was awarded $10 million in damages to cover past and future medical bills.
Just one rusty nail can expose your business to an injury lawsuit beyond your expectations.
Ontario small business owners without risk managers are reliant on the advice of their insurance representative to identify risks of their business and help them choose the appropriate insurance products to protect their business against potential losses.
Get your Commercial General Liability quote today to protect you and your business. 💯‼️

Sometimes it takes a village but it all starts with one broker. Choosing the right broker for your insurance protection ...
08/30/2021

Sometimes it takes a village but it all starts with one broker. Choosing the right broker for your insurance protection can be the best investment you can make.
Losses Hurt. Choose Wisely!

Address

1400 Bayly Street
Pickering, ON
L1W3R2

Telephone

+12893385843

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