Ask the Experts Insurance and risk professionals share practical advice to elevate your expertise, strengthen your strategies, and help you grow. Have a question? Please email annachristina@newcom.ca. Canadianunderwriter.ca journalists are not involved in writing these articles. Polygon Restoration View all → → Is Canada’s Insurance Market Ready for Proactive Loss Mitigation? Ask the Experts Sponsored Is Canada’s Insurance Market Ready for Proactive Loss Mitigation? Shifting the focus from restoring damage to preventing loss before it occurs. By Polygon Restoration | March 16, 2026 3 min read Sponsor Image ARAG Legal Solutions View all → → How do underwriters evaluate Legal Expense Insurance risk today? Ask the Experts Sponsored How do underwriters evaluate Legal Expense Insurance risk today? Learn what legal risk really means in Legal Expense Insurance and how it’s uniquely assessed. By ARAG Legal Solutions | February 17, 2026 4 min read Sponsor Image Trinity Underwriting View all → → Are some MGAs evolving into hybrid insurers? Ask the Experts Sponsored Are some MGAs evolving into hybrid insurers? Some MGAs in Canada are shifting from niche intermediaries to hybrid insurers, fueled by tech, private equity, and reinsurers as they grow in specialty lines. By Trinity Underwriting | December 8, 2025 4 min read Sponsor Image More content from Trinity Underwriting Ask the Experts Sponsored Risk in Canada’s Innovation Economy: Is Traditional Coverage Adequate for Canada’s Innovation Economy? As healthcare goes digital, traditional coverage can’t keep pace. Here’s how we can close the gap. By Trinity Underwriting | November 24, 2025 3 min read Sponsor Image Ask the Experts Sponsored Will AI disrupt our industry? AI is transforming underwriting, but human judgment and relationships remain the industry’s greatest advantage. By Trinity Underwriting | November 10, 2025 2 min read Sponsor Image Echelon Insurance View all → → How can brokers support customers in mitigating cyber risk? Ask the Experts Sponsored How can brokers support customers in mitigating cyber risk? As cyberattacks increase in frequency and sophistication, brokers are uniquely positioned to guide business owners through today’s complex risk landscape. By Echelon Insurance | November 17, 2025 4 min read Sponsor Image More content from Echelon Insurance Ask the Experts Sponsored How can brokers help combat auto insurance fraud? A guide to understanding fraud classifications, current trends, and the important role brokers play in auto insurance fraud prevention. By Echelon Insurance | November 3, 2025 3 min read Sponsor Image Ask the Experts Sponsored How can brokers help fleet operators build stronger fleet safety programs? A robust safety program can help prevent collisions and protect employees, contributing to an improved overall safety score which, in turn, can lead to lower insurance premiums. By Echelon Insurance | October 20, 2025 3 min read Sponsor Image Ask the Experts Sponsored What factors drive commercial property insurance costs? From rising construction and replacement costs to increased climate-related exposures, it’s important for commercial business owners to understand the range of dynamic factors influencing commercial property premiums across Canada. By Echelon Insurance | June 2, 2025 4 min read Sponsor Image Ask the Experts Sponsored How to mitigate and respond to cargo theft in long-haul trucking? As the threat of cargo theft facing Canada’s long-haul trucking industry persists, it’s important for fleet operators to recognize potential exposures and to take proactive steps to mitigate risks while understanding how to respond effectively if theft occurs. By Echelon Insurance | May 20, 2025 4 min read Sponsor Image Ask the Experts Sponsored How can businesses prepare for and recover from flooding? As the frequency and severity of floods increases, it’s important for business owners to incorporate proactive strategies in preparation for, response to, and recovery from flooding, as part of an effective flood risk mitigation plan. By Echelon Insurance | May 5, 2025 4 min read Sponsor Image ISB Global Services View all → → What steps help commercial auto insurers spot and stop driver fraud? Ask the Experts Sponsored What steps help commercial auto insurers spot and stop driver fraud? Discover the best practices commercial auto insurers can follow to detect driver-level fraud early and protect underwriting integrity. By ISB Global Services | October 27, 2025 4 min read Sponsor Image More content from ISB Global Services Ask the Experts Sponsored How does advanced driver screening help commercial auto insurers curb cargo theft? As theft losses from commercial trucks climb, advanced driver vetting enables commercial auto insurers to stop bad actors before they get behind the wheel. By ISB Global Services | October 14, 2025 4 min read Sponsor Image Ask the Experts Sponsored How can smarter driver data help insurers manage nuclear verdicts? As legal risks grow in commercial auto, insurers need better driver screening to improve risk selection and avoid costly claims. By ISB Global Services | September 29, 2025 4 min read Sponsor Image Ask the Experts The Moment Before: Managing Impact In transportation, the smallest moment can make the biggest difference. The Moment Before shows how Red Flag Alerts give supervisors the insight they need to manage impacts before they become incidents. With Red Flag Alerts, compliance becomes prevention. By ISB Global Services | September 29, 2025 1 min read Sponsor Image Beazley View all → → Is cyber risk just a big business concern — or a big threat to small firms too? Ask the Experts Sponsored Is cyber risk just a big business concern — or a big threat to small firms too? Cyber risk is no longer confined to large enterprises – SMEs are now also prime targets. By Beazley | October 8, 2025 3 min read Sponsor Image More content from Beazley Ask the Experts Sponsored Precision or Peril: How is AI reshaping personalised medicine? Healthcare organisations are navigating a new era of risk – one that cuts across cyber threats, operational resilience, board-level accountability, and ethical responsibility. By Beazley | September 22, 2025 3 min read Sponsor Image Ask the Experts Sponsored Beyond the Breach: Are businesses prepared for cyber risk – from Day 1 to Day 600+? The immediate breach may be behind you, but are the cyber consequences truly over? By Beazley | September 8, 2025 3 min read Sponsor Image Sovereign Insurance View all → → Are your clients ready for today’s equipment breakdown risks? Ask the Experts Sponsored Are your clients ready for today’s equipment breakdown risks? Unpredictable weather and new threats on Canadian businesses need sharper strategies, smarter coverage, and stronger advice. By Sovereign Insurance | July 7, 2025 3 min read Sponsor Image More content from Sovereign Insurance Ask the Experts Sponsored What proactive steps can brokers encourage clients to take when managing equipment risk? Here’s how to advise your clients on protecting their critical systems. By Sovereign Insurance | July 7, 2025 2 min read Sponsor Image Ask the Experts Sponsored How can brokers help clients see the true cost of underinsurance? In today’s high-cost, high-risk environment, many commercial clients are looking for ways to trim expenses, but underinsuring risk isn’t the place to start. By Sovereign Insurance | June 23, 2025 3 min read Sponsor Image Ask the Experts Sponsored How did a challenger mindset redefine Sovereign’s journey? In a complex and crowded commercial insurance market, mindset matters most. By Sovereign Insurance | May 13, 2025 3 min read Sponsor Image Unica View all → → How do I help my commercial clients find the right building for their needs and protect their property investment? Ask the Experts Sponsored How do I help my commercial clients find the right building for their needs and protect their property investment? Navigating the evolving risks of commercial properties means brokers require a proactive approach to helping clients select the right building and adequately safeguard their investment. Jason Ostapeic, Unica Insurance’s Senior Risk Control Consultant, discusses hidden exposures and risk control strategies your clients need to mitigate risks they may not know they have. As businesses grow […] By Unica Insurance | January 27, 2025 5 min read Sponsor Image More content from Unica Ask the Experts Sponsored How can expert fleet risk analysis help reduce complex exposures for my construction clients? Fleet operations in the construction industry face mounting challenges — from driver shortages and seasonal employment, to the increasing complexity of fleet safety. These dynamics pose significant exposures if they’re not proactively managed, says Jason Ostapeic, Unica Insurance’s Senior Commercial Risk Control Consultant. “Many smaller construction businesses don’t have dedicated fleet managers or the resources […] By Unica Insurance | January 13, 2025 4 min read Sponsor Image Ask the Experts Sponsored How do I advise my commercial property clients on the hidden risks of lithium-ion batteries? As Canada adopts sustainable energy solutions, emerging exposures from lithium-ion batteries pose new challenges for your commercial property clients. For brokers, understanding these risks is crucial to safeguarding clients from an evolving threat that many building owners are still unaware of. Jason Ostapeic, Unica Insurance’s Senior Risk Control Consultant, explores this emerging issue and shares […] By Unica Insurance | December 16, 2024 5 min read Sponsor Image Interac Verified View all → → How can digital verification enhance insurers’ claims experience? Ask the Experts Sponsored How can digital verification enhance insurers’ claims experience? Claims management is a core pillar of the insurance industry. It represents the moment when insurers deliver on their promise to be there for their customers. But today, insurers face a multitude of challenges that are placing extraordinary pressure on their claims handling processes, including an unprecedented surge in claim volumes, rising fraud, strained resources, […] By Interac | December 2, 2024 3 min read Sponsor Image More content from Interac Verified Ask the Experts Sponsored How can digital verification help insurers fight fraud and foster customer trust? Canadian insurance companies are facing one of their biggest challenges yet: mitigating rising fraud and compliance risk, while also providing a seamless, trusted digital customer experience as they modernize the way they collect, verify, and secure customer data. Canadians lost almost $570 million to fraud last year, notes the Canadian Anti-Fraud Centre. Since only one […] By Interac | November 5, 2024 4 min read Sponsor Image Ask the Experts Sponsored How can digital verification help insurers transform the customer experience? In a world where customer experience is a cornerstone of success for Canadian insurers, enhancing the customer journey means modernizing outdated processes and addressing emerging risks — especially when it comes to data verification. Manual data collection, fraud vulnerabilities, and resource constraints have traditionally hindered progress, but Interac Corp. (Interac) is stepping up to help […] By Interac | October 24, 2024 4 min read Sponsor Image Intact View all → → Why scalable products help build your book – and customer loyalty Ask the Experts Sponsored Why scalable products help build your book – and customer loyalty Successful businesses evolve. If they don’t, they flatline and eventually fail. Successful insurance products evolve too. Traditionally, this has meant that once every few years, insurers would revamp existing products, retire obsolete ones and perhaps launch one or two new offerings. In-between, we’d tweak limits and introduce new exclusions and the occasional endorsement. Then the […] By Intact | October 14, 2024 4 min read Sponsor Image More content from Intact Ask the Experts Sponsored How to get better commercial insurance options for your mid-market customers Every broker who works in commercial lines knows the mid-market is a special place, full of complex risks, evolving businesses and premiums that defy algorithms. By Intact | September 30, 2024 5 min read Sponsor Image Ask the Experts Sponsored How to support customers through complex commercial claims Any claim is a high-stress period in a person’s life. A complex commercial claim has the potential to elevate stress to unprecedented heights. The customer must grapple not only with the immediate loss but its repercussions on employees, suppliers and customers – and the future viability of the business. The number one consideration for insurers […] By Intact | September 16, 2024 4 min read Sponsor Image HSB View all → → What is the role of prevention services in cyber security? Ask the Experts Sponsored What is the role of prevention services in cyber security? In today’s digital age, cyber risks are everywhere, and the damage inflicted by a cyber attack can be devastating. Protecting against these threats requires more than just a basic firewall: modern hackers are more sophisticated, and defense strategies must evolve accordingly. It is essential that businesses and individuals have the necessary tools and services to […] By HSB Canada | October 7, 2024 3 min read Sponsor Image More content from HSB Ask the Experts Sponsored Understanding cyber risks: an underwriter’s perspective Cyber is one of the fastest-growing areas in insurance. In today’s digital world, cyber risks are an ongoing threat, evolving rapidly and presenting challenges for businesses and insurers. Cyber insurance is not one-size-fits-all. For underwriters to understand and manage cyber risk, they require deep knowledge of traditional underwriting principles, as well as a forward-looking approach […] By HSB Canada | September 24, 2024 3 min read Sponsor Image Ask the Experts Sponsored How brokers can overcome objections to cyber insurance Cyber insurance provides important protection for businesses in today’s digital age, yet brokers often encounter insureds who are resistant in purchasing the product. Understanding and addressing their concerns is key to fostering better adoption of cyber insurance. Below are some common objections to cyber insurance with suggestions on how brokers can respond to them. “Cyber […] By HSB Canada | September 9, 2024 3 min read Sponsor Image Intact View all → → How to have rate conversations with customers Intact Sponsored How to have rate conversations with customers As the cost-of-living crisis continues to impact Canadians, it’s imperative that customers feel they are paying the “right” price for their insurance. By Intact | June 17, 2024 4 min read Sponsor Image More content from Intact Ask the Experts Sponsored How to talk about insurance so that customers listen – and understand what you’re selling Let’s be honest: shopping for insurance doesn’t top anybody’s bucket list. It’s not fun. It can feel overwhelming. The consequences of a poor insurance buying experience are terrible for everyone: when a person doesn’t know what they bought, never mind why, they are not a satisfied customer – and unlikely to be a repeat customer. […] By Intact | June 3, 2024 4 min read Sponsor Image Ask the Experts Sponsored How can I best support customers through the claims process during a CAT? With frequent extreme weather events now an expected part of our lives, we’re prepared for 2024 to be another CAT-heavy year. As we mobilize our claims teams, we must also recognize that customers, no matter how many risk mitigation actions they may implement beforehand, are never truly prepared for the stress extreme weather losses bring. […] By Intact | May 16, 2024 4 min read Sponsor Image Swiss Re Corp View all → → How can technology help businesses strategically strengthen their resilience? Ask the Experts Sponsored How can technology help businesses strategically strengthen their resilience? There’s no understating how much has changed over the last five years. The world has experienced a series of extraordinary shocks, including the COVID-19 pandemic, the highest global inflation rates since 1981, the largest war in Europe since 1945, and increasingly volatile climatic events. Indeed, the world has changed, and risk is elevated. These risks […] By Swiss Re | December 13, 2023 3 min read Sponsor Image More content from Swiss Re Corp Ask the Experts Sponsored How do I help my clients leverage digital tools to manage their climate risk? For a decade or more, the business case for companies to effectively manage their exposures to the myriad risks that accompany a warming planet has been growing increasingly clear. Leveraging digital tools to better understand climate risk and its interplay with other risk factors can boost our ability to manage today’s threats — and get […] By Swiss Re | November 27, 2023 5 min read Sponsor Image Ask the Experts Sponsored How can parametric solutions help your company prepare for the unexpected? Although relatively infrequent, British Columbia (BC) is not immune to earthquakes. The last major earthquake to strike BC was centuries ago, understandably justifying why they are rarely front of mind for corporates and public entities. As a result, we see low penetration of traditional earthquake insurance and meaningful retained earthquake exposure. However, when an earthquake […] By Swiss Re | November 20, 2023 2 min read Sponsor Image HDI View all → → How do I guide my clients through an international claim? Ask the Experts Sponsored How do I guide my clients through an international claim? Post-pandemic, more of your local clients are doing business globally. And they rely on you for peace of mind — not only for expert advice on their increasingly complex corporate exposures and the right international insurance program to protect their business, but also for guidance when they need to make an international claim. “Companies today […] By HDI Global SE Canada | October 16, 2023 4 min read Sponsor Image More content from HDI HDI Sponsored How do I offer my local clients expert global insurance advice? It’s a new era for international insurance coverage: more companies are doing business globally post-pandemic — and with it, their corporate exposures are increasingly complex. “That’s why more clients than ever are turning to brokers to bring them peace of mind with expert, credible advice and comprehensive global insurance protection,” says Klaus Navarrete, Managing Director […] By HDI Global SE Canada | September 25, 2023 4 min read Sponsor Image Ask the Experts Why do my clients need global solutions post-pandemic? The world has changed. And with it, your clients’ corporate exposures abroad have become increasingly complex. “Post-pandemic, international activities have become ‘business as usual’ for more and more companies. Today, brokers need to be aware of the challenges, risks, and various regional changes across the world so they can confidently advise their local clients on […] By HDI Global SE Canada | September 11, 2023 3 min read Allianz View all → → What are the Top 4 myths clients believe about travel insurance? Ask the Experts Sponsored What are the Top 4 myths clients believe about travel insurance? Post-pandemic, Canadian travellers have realized how essential travel insurance has become, with almost 90% planning to buy coverage for their next trip, shows data from Allianz Global Assistance — a leading travel insurance provider. Despite this awareness, many clients still get stuck on some misconceptions surrounding travel insurance — presenting brokers with the opportunity to […] By Allianz Global Assistance | June 12, 2023 4 min read Sponsor Image More content from Allianz Allianz Sponsored How does travel insurance add value to your brokerage? Loyalty is trending among consumers. And there’s one sure way for your brokerage to increase loyalty among clients and get them the peace of mind they’re looking for. “Travel insurance is helping drive loyalty with insurance advisors who can help their clients experience worry-free vacations,” explains Roger Marcelo, Vice President of Business Development, Broker Channel, […] By Allianz Global Assistance | May 29, 2023 3 min read Sponsor Image Ask the Experts Sponsored Why is travel insurance the next big opportunity for brokers? It’s a new era for travel insurance. Despite economic uncertainty, Canadians plan to spend over $14 billion on vacations this year, according to new data from Allianz Global Assistance, a leading travel insurance provider. Post-pandemic, travellers have become more risk-aware than ever, and almost 90% say they plan to buy travel insurance for their next […] By Allianz Global Assistance | May 15, 2023 3 min read Sponsor Image CAA View all → → Why should we be social on social media? Ask the Experts Sponsored Why should we be social on social media? Having a social media strategy is a proven approach that supports numerous business objectives such as growth, engagement, brand loyalty, SEO, and more. And with 25.35 million users in Canada, it makes sense that people’s buying decisions can be strongly influenced through social media. Are you, as a broker, taking advantage of its full marketing […] By CAA Insurance Company | May 17, 2021 4 min read Sponsor Image More content from CAA Ask the Experts Sponsored Usage Based Insurance – What’s in it for Brokers? A fundamental need for today’s insurance consumer is flexibility. As witnessed over the past year, consumers want choice when it comes to their auto insurance, and the ability to take control of their costs. Usage based insurance (UBI), otherwise known as insurance telematics, is a clear solution for consumers. So why aren’t more adopting the […] By CAA Insurance Company | May 9, 2021 4 min read Sponsor Image Ask the Experts Sponsored Why invest in the health and wellness of my team? This past year has tested everyone’s resilience, positivity, patience and productivity. Most have had to work differently – at home, balancing the kids, home cooking and virtual meetings. It is understandable that some people’s overall wellness may have suffered. Gyms are closed and we no longer have the walk across the office to get that […] By CAA Insurance Company | May 4, 2021 4 min read Sponsor Image
