Expert Advice
Combined with over 30 years of experience as an employee, manager, consultant and insurance brokerage owner, I am uniquely positioned to assist organizations face their many and varied challenges!
An Expert’s View into Insurance
Government Changing Auto Insurance
Effective January 1, 2022, the Direct Compensation for Property Damage Regulation will change the way vehicle damages are handled in Alberta.
It’s all Gobbledygook to me! (Understanding your insurance policy)
I know that the first thing you do when you receive your policy is to sit down and read it. NOT!! So, I thought I would give you an overview of...
“Insurance” – Misunderstood?
Sitting in a waiting room the other day, I struck up a conversation with a gentleman (let’s call him Bob). He was waiting for his fiancé and the...
Strategic vs. Business Planning – Is there a difference?
Ensuring that you are protected in the event of an unforeseen insurable event, is critical to the success of any business. With the pandemic, both...
What is Market Blocking?
Most consumers have no idea what I’m talking about so let me share a story with you. A few years ago, a large commercial business owner wanted to...
Are Insurance Companies Gouging Consumers for Commercial Auto Insurance?
That’s a comment I hear regularly from the consumer when they finally get a quote for their commercial auto premium. So, they start shopping around...
Business Insurance for the Entrepreneur
Have you lost your job and are now being forced to find another source of income? Have you decided that now’s the time to start that new business...
Reducing Premiums Not Protection
Many business owners are struggling with decreased revenue and increased costs as a result of COVID. They are asking themselves “Where can I reduce...
Leasing A Commercial Space For Your Business – BEWARE!
The face of small to medium-size business is changing mostly because of COVID but also because of the prior downturn in our economy. Many business...
Cyber Insurance Protection Overview
Many insurance companies are including limited cyber coverage in some commercial package policies on the market today. You need to be aware that...
Cyber Crime – How To Protect Yourself?
Hi again, it’s Heather Cournoyer – your commercial insurance advisor. Last week I shared some information about some of threats posed from cyber...
Cyber Crime – What is it?
Breaches, DDo’s, Phishing, Whaling, Malware, Porting, Trikbots, Ransomware and Zoombombing. What do these words have in common? Yes! These are all...
Good News
We are indeed in challenging times and if you spend a lot of time watching the news, it can get quite depressing. So I decided to see if I could...
FAQ’s On COVID19
These are challenging times for both individuals and business owners. Many of my business owners have been reaching out for information on how...
Having problem with your claim or a dispute with your insurer? Help is on the way.
In my last blog, we provided some great claims tips and promised that this time we would give you information on how a policy is set up and some of...
Claims – Tips for the Consumer
I’m Heather Cournoyer, your commercial insurance expert and I’m coming to you from “sunny” Alberta where the temperature here has risen to a balmy...
What If Insurance Didn’t Exist?
Long gone are the days when “barn raisings” were popular. For those of you who don’t know what barn raisings are check out the link at wikipedia. ...
New Year Thoughts
At this special time of year, I would like to say THANK YOU! I’m thankful and honored to have such amazing friends, trusted business associates and...
Have you had your annual insurance “Checkup” yet?
In May we talked about the “Hard Insurance Market” and we are certainly feeling it more and more. Affordability and availability in certain classes...
Death, Taxes & Insurance!
Benjamin Franklin said there were only two things certain in life: death and taxes. But I'd like to add a third certainty: Insurance. We can’t do...
Have a Question?
Drop Heather a line!