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A car represents a comprehensive guide to G1 restrictions in Ontario for 2025.

G1 Restrictions in Ontario 2025

What Is a G1 Licence?A G1 licence is the first stage in Ontario’s Graduated Licensing System (GLS), designed to introduce new drivers to the road in a structured, lower-risk environment. It allows novice drivers to gain practical experience while following strict rules that limit exposure to high-risk situations. According to the Ministry of Transportation’s Official […]
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Remembering at Home: Small Ways to Honour Veterans in Your Community

Remembering at Home: Small Ways to Honour Veterans in Your Community

Every November, Canadians across the country pause to remember the courage and sacrifice of those who served (and continue to serve) in our Armed Forces. While formal Remembrance Day ceremonies are deeply moving, there are countless small, personal ways to honour veterans right at home and within your community. These gestures, though simple, carry lasting […]
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Managing Your Home From Florida: How Snowbirds Really Do It

Managing Your Home From Florida: How Snowbirds Really Do It

For thousands of Canadians, escaping winter is a lifestyle, not a vacation. When the first frost hits, snowbirds are already planning their drive or flight to Florida, Arizona, or somewhere warm enough to trade boots for sandals. But life as a snowbird also comes with a question most people don’t fully consider until they do […]
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Did You Know? Indoor Gym Rentals Need Commercial Coverage

Did You Know? Indoor Gym Rentals Need Commercial Coverage

As temperatures drop and outdoor fields close for the season, players, coaches, and community organizers move their activities indoors. Fall and winter signal a big shift into gymnasiums, sports domes, fitness studios, school gyms, and recreation centers. Whether it’s a weekly volleyball league, a youth basketball program, pickleball nights, or a private fitness class, most […]
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As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end.

Benefits Administration Update: MLR Rebates, Texas SB 1332, and Year-End Priorities

As the final quarter of 2025 begins, several developments in benefits administration are reshaping how employers manage compliance, coverage, and communications. From rebate distribution rules to state-level legislation, benefits managers should take note of key updates that may affect plan operations and documentation heading into year-end. Medical Loss Ratio (MLR) Rebates Released Health insurance carriers […]
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As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide.

Compliance Update: Gag Clause Attestations, Contraceptive Coverage Ruling, and SF Ordinance Impacts

As Q4 begins, benefits managers face a trio of compliance developments with implications for plan design, documentation, and year-end filings. Two are federal in scope, while one local ordinance continues to affect employers nationwide. Gag Clause Prohibition Attestations Due by December 31 Under the Consolidated Appropriations Act (CAA), employer-sponsored group health plans must submit an […]
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The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors.

Trump Administration Reshapes Health Plan Oversight

The Trump administration has issued a series of executive orders aimed at recalibrating federal oversight of employer-sponsored health plans. These directives target unpublished rules and agency enforcement priorities, signaling a shift toward deregulation and increased flexibility for plan sponsors. In tandem with these policy moves, leadership changes at key agencies are already influencing the regulatory […]
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What to Know Before Insuring Your Snowmobile This Winter

What to Know Before Insuring Your Snowmobile This Winter

When the first snow hits, most people reach for a shovel, but snowmobile owners reach for their keys. Whether you ride casually on the cottage trail or spend weekends carving fresh powder, gearing up your sled for winter takes more than a tune-up and a tank of fuel. The right prep also includes making sure […]
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Understanding Educators Legal Liability (ELL)

Understanding Educators Legal Liability (ELL)

Educators face unique professional exposures that go beyond standard general liability. That’s where Educators Legal Liability (ELL) coverage comes in. Understanding Educators Legal Liability is critical for school administrators, as it protects against claims related to employment practices, student rights, professional duties, and more. From wrongful termination to student disciplinary disputes, ELL can provide defense […]
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