b'Insurance NotesBack to Work: An Insurance Advisers PerspectiveBy Simon J. Fenn, CIP Chairman A Simon Says articleI t seems like we have all beenhope that we never see a recur- Management Liability andOfcourse,itisneverclear3 RDPARTY TESTINGsucked into some endless vor- rence in our lifetimes, and fromEmployment Practices Liability when it is government-issued, so texrecentlybecauseofCO- metoeachofyouwelcomeyou can never be certain you have VID-19. We are all now emergingback from the vortex! Theconductofbusinessisit rightwe are all in the same followingnumerouscancelledThereisconsensusthatweunder more scrutiny than it hasboat. If your company or its di- Thermographyevents,familyget-togethersandmustpressforward,butwearebeen in many years. Compliancerectors and officers come underLeak Detectionvacations to try and kick-start ourweighed down by new rules andwithnewgovernment-imposedscrutiny and face a lawsuit fromUplift / Pullout Testingeconomyonceagain.Weprob- regulations attributable to COV- safe workplace requirements plac- employees, shareholders, the gov-ablylooklikeascarybunchID-19. We all have to work muchMaterials Testingenough to make invading aliensdifferentlythanwedidbefore,es new stresses on business lead- ernment enforcers or the publicShop Drawing Engineeringand we all have so much to learners, especially in the constructionalleging wrongful conduct related turnaway,whatwithourlongabout our new world. I actuallysector. For example, I have heardto COVID-19, you will possibly hair and, in many cases, scruffydouble-checked this Fathers Dayalreadyofmanybusinessesen- sustain an action incurring legal faces! As we re-open, we are both- morning to be sure the sun wascountering wrongful terminationand possibly settlement expenses ered by the possibility that Ontar- rising in the east as usual, as theactionsfromemployees.Figur- (if you lose), as well as fines and io and indeed Canada could beplanet feels so very different froming out what compliance actuallypenalties.ManagementLiability shut down again just as quickly2019.(HappyFathersDay,bymeans is itself so difficult for aandEmploymentPracticesLi-as before. Additionally, we havetheway,tothoseDadsreading suchanunstableneighbourinthis.) At the risk of wearing youcontractingcompanythathasabilityinsurancemaydefendOTTAWAthe U.S.A., who just cannot seemdownfurtherfromallthe24/7both office and jobsite exposures.and indemnify (pay settlements)KINGSTONLONDONto gain control of this disease, re- COVID-19 hype, here are someYou all place safety of your em- on your behalf for some of theseMONTRALATLANTICquiring Canada to keep its borderinsurance issues to consider thatployeesfirst,butwhatactuallysituations,dependingonwhatmail@fsaeng.comclosed. This was an unimaginablerise to the forefront following thisconstitutes compliance with theseexclusionarywordinganinsurerwww.fsaeng.comsituation for many of us; let ushistoric world-changing event.new safety requirements?may have imposed. ORN THE ONLY SOURCE FOR PROFESSIONAL ICI ROOFING CONTRACTORS IN ONTARIO ONTARIO ROOFING NEWSISSUE 2 202017'