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

Leasing A Commercial Space For Your Business – BEWARE!

by Heather Cournoyer | Aug 12, 2020

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

by Heather Cournoyer | Jun 12, 2020

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?

by Heather Cournoyer | May 8, 2020

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?

by Heather Cournoyer | May 1, 2020

Breaches, DDo’s, Phishing, Whaling, Malware, Porting, Trikbots, Ransomware and Zoombombing. What do these words have in common? Yes! These are all...

Good News

by Heather Cournoyer | Apr 10, 2020

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

by Heather Cournoyer | Apr 2, 2020

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.

by Heather Cournoyer | Mar 1, 2020

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

by Heather Cournoyer | Jan 22, 2020

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?

by Heather Cournoyer | Jan 5, 2020

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

by Heather Cournoyer | Dec 26, 2019

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?

by Heather Cournoyer | Nov 13, 2019

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!

by Heather Cournoyer | Sep 13, 2019

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...

What do mean my liability insurance premium doubled?!?!

by Heather Cournoyer | Aug 10, 2019

In my May article “What's going on with my Property insurance? Where's my quotation?” we talked about increased premiums and the number of insurers...

Things are Not Always as They Appear

by Heather Cournoyer | Jul 9, 2019

I’ve proudly represented the insurance industry for 35 years. There isn’t a day that goes by that I don’t see anything negative about our industry....

What’s going on with my Property insurance? Where’s my quote?

by Heather Cournoyer | May 18, 2019

The insurance industry is the only consumer product I can think of that has to price its product based on data from the past without having any idea...