Global disasters affect your premium – After the first 11 months of 2009, it is being reported that global disasters are less frequent and less severe than last year.  And catastrophe (“cat”) losses paid for by insurance, are also down significantly. That’s good news for those of us paying premiums on any insured property.  Here’s why: When  more...

Hurricane Bill has lost his identity, petering out somewhere in the North Atlantic; but he led the headlines last weekend as he threatened the maritime provinces. For those of us who were around in the final decade of the last millennium (remember way back to the 90’s??), such events evoke memories of Hurricane Andrew,  more...

Those of us living in Ontario this summer have had a tough time finding evidence of global warming.  But the weather is unusual in much of North America – the result of some form of climate change. And the changing climate is causing more damage because of something as simple as changes in rainfall. Let’s put this  more...