Architects, Engineers & Geoscientists

Members of APEGS have access to an exclusive discounted home, condominium, and tenant protection program. Whether you own your home or are renting, we can provide you with solid coverage at a price that can only be found with Harvard Western Insurance.

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Negligent acts such as faulty design, misstatement, defamation, or breach of contract give rise to civil liability. These are just a few of the exposures you could be covered for under this policy. If a client loses revenue or experiences other harm due to an error on your part, they may seek financial reciprocation from you. Our E&O policies are specially designed to respond to these circumstances.

To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for business owners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your business insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.

While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.

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To be liable mean simply that you are found to be legally responsible. If you are liable for injury to someone or found responsible for damage to another’s property, you can be sued for damages. No one likes to imagine being sued. But accidents happen, and if one does occur and you’re deemed negligent, you could find yourself with a hefty settlement. This type of insurance is essential for business owners because it helps protect them from financial losses that may occur due to a lawsuit. Liability automatically comes with your business insurance, but reviewing your coverage with an advisor to ensure you’re appropriately protected is essential.

While Canada may not be known for outrageous personal liability settlements, the cost of these claims is rising. A five-million-dollar case may have been rare ten years ago, but not so much anymore. With inflation on the rise, the compensatory awards awarded to plaintiffs are also increasing. Keep in mind no lawsuit is a quick fix. Some take years for the court to settle, which all adds to the bottom line.

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Your office is where first impressions are formed, and trust is built. To do that properly, you must fill your office with various job-specific items. Protecting these items is essential to get you and your practice back up and running in the event of a loss.

This coverage is essential if your business stores sensitive client information, bank records, or other vital information on its computer systems. As a business owner, it’s necessary to be realistic about cybercrime risks. To protect yourself fully, you’ll want to talk to one of our advisors who can help assess your situation.

Help reduce financial stress if something happens to protect your employee’s and their family’s health. Base benefits often include prescription drugs, dental care, disability programs, life, critical illness and accident insurance. Specialty benefits can be added to the policy: a healthcare spending account, benefits for retired employees, emergency medical coverage, and travel assistance.

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