SCRIVENS NEWSLETTER

The Scrivens Perspective - Summer 2019
A brief look back at our wet spring and the Scrivens Perspective of our Summer to come. Topics include severe weather, new investment opportunities, and a few new faces around the office!
Pollution Liability Insurance: Expect the Unexpected
At first glance, your company may not appear to be at risk for the pollution liability exposures facing the heavy manufacturing. sector. However, pollution liability coverages also address common exposures that you might face.
9 Ways to Keep Workers Safe From Falling Objects
Keep your employees safe and prevent injuries from falling and flying objects with these practical steps.
Severe Weather and the Job Site
While there is no way to completely guarantee your job site is protected from the elements, there are measures that can be taken to reduce the risks posed by extreme weather events.
Severe Weather: Taking the Insurance Industry by Storm
The reality is, severe weather events are occurring more often and seem to be resulting in more insured damage.
How Insurance Premiums Are Calculated
Without examining specific lines of insurance, it’s important to understand how insurance companies determine a policy’s premium.
Insurance For Rookies: Building an Insurance Score
Just like building your credit score, building your insurance score earlier can help build credit with insurers.
Advanced Life Deferred Annuity (ALDA): That 70's Annuity
The 2019 Federal budget has introduced the Advanced Life Deferred Annuity (ALDA), a “deferred annuity” that will begin before the end of the year you turn 85.
Homebuyers Plan (HBP): Too Much Of A Good Thing
Budget 2019 proposes the Homebuyers Plan (HBP) increase the amount qualifying first time homebuyers can draw from their Retirement Savings Plans (RSP) to $35,000 from the current $25,000
The Scrivens Perspective - Spring 2019
After a particularly long, tough Ottawa winter, we’ve earned this spring and all the pleasant perks that come with it: milder weather, budding trees, a break after another tax season.