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Setting Your Small Business Up for a Stronger Year Ahead

Small Business Insurance Checklist for Ontario

Running a small business means things change quickly. Revenue grows, services expand, new equipment gets added, and contracts get bigger. But many Niagara business owners don’t review their insurance as their operations change.The start of the year is the best time to step back and make sure your coverage still matches your risk. Even small […]
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Workers’ Compensation in Schools: Preventing Common Staff Injuries

Workers’ Compensation in Schools: Preventing Common Staff Injuries

School districts work hard to keep students safe, but employee safety deserves the same level of focus. Workplace injuries not only impact staff well-being, they can also lead to higher workers’ compensation costs, staffing disruptions, and operational strain. By understanding the most common school staff injuries — and proactively addressing their causes — districts can […]
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July 2026 Ontario Canada Auto Reform Information

Ontario Auto Insurance Changes 2026

Ontario is making significant changes to auto insurance starting July 1, 2026. As Ontario insurance brokers, the team at Duliban Insurance is already helping drivers understand how the new modular system will affect their coverage, their costs, and their financial protection after an accident. The province is moving away from a one-size-fits-all model and toward a […]
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Managing Risk Around School Construction & Renovation Projects

Managing Risk Around School Construction & Renovation Projects

School construction and renovation projects are essential for maintaining safe, functional, and modern learning environments. Whether a district is expanding due to enrollment growth, upgrading aging facilities, or making safety improvements, construction activity introduces a level of risk that goes well beyond the worksite itself. When projects occur on active campuses, those risks extend to […]
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How Employers Are Responding to Rising Employee Expectations in 2026

How Employers Are Responding to Rising Employee Expectations in 2026

Over the past two months, several major surveys — including the 2025 SHRM Employee Benefits Survey, the ADP TotalSource Employee Benefits Survey, and the 2025 National Benefits Survey — have painted a clear picture: employees are demanding more meaningful, more personalized, and more supportive benefits than ever before. Employers, facing a tight labor market and […]
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2026 Compliance Update: More on Last Month’s Key Regulatory Changes

2026 Compliance Update: More on Last Month’s Key Regulatory Changes

In our January issue, we outlined the major compliance themes shaping 2026. This month, we build on that foundation with a deeper look at the annual updates, effective dates, and action steps employers need as the new year begins. As employers enter 2026, a wave of regulatory updates, benefit limit changes, and new reporting requirements […]
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Marketplace Coverage and Employer Plans: What Employers Need to Know

Marketplace Coverage and Employer Plans: What Employers Need to Know

As Marketplace health plan premiums rise and subsidies shift, employers are seeing more requests from employees (and their spouses) to drop Marketplace coverage and enroll in an employer-sponsored health plan mid-year. While this may feel straightforward, Marketplace rules and employer plan rules do not always work the same way. Marketplace Rules vs. Employer Plan Rules […]
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Who Pays If Someone Else Crashes Your Car?

Who Pays If Someone Else Crashes Your Car?

Lending your vehicle to a family member or friend might seem harmless – especially if it’s just for a quick errand or a short trip. But what many drivers don’t realize is that if the person behind the wheel gets into an accident, your insurance is usually the one that responds, not theirs. In Ontario, […]
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Myths Your Neighbour Probably Told You (That Aren’t True)

Common Insurance Myths (That Aren’t True)

Most people have that neighbour – the friendly advice-giver who swears they “know how insurance works” because “that’s how my cousin’s policy used to be.” And while the intentions are good, a lot of the insurance “facts” that get passed around the driveway or over the fence are myths that stopped being true a long […]
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If You Win the Lottery... What Insurance Should You Get First?

Won the Lottery? Here’s the Insurance You Need

Most people have played the “what if” game at least once. You buy a ticket, imagine your numbers coming up, and suddenly your life looks completely different. New home. Travel. Helping family. Maybe early retirement. But there’s one part of the fantasy most people don’t consider until reality sets in: how do you protect a […]
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