The Scrivens Perspective - FALL 2017

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At Scrivens, we take a lot of pride in reviewing and updating our range of services to meet the evolving needs of our clients.

With that in mind, I urge you to read Shawn Ryan’s article describing employee benefit plans and the excellent service Scrivens now provides.

Scrivens works directly with companies to offer their employees the benefits they need. Some of these group benefits include critical illness, long-term care, life, health, and dental insurance plans.

Ken Browness asks some great questions about how well your financial plan manages risk. He gives some valuable advice on how to best manage your portfolio’s risk.

Distracted driving continues to be the leading cause of automobile collisions.

This is not a new phenomenon and I am sure you are taking the best precautions with your employees to ensure they are driving distraction-free.

However, accidents do happen and that’s what automobile insurance is for.  But if your employees operate their personal vehicles while working, your business may be held liable.

Additional automobile liability coverage is required and Ole Jensen does an excellent job explaining Non-Owned Auto Liability Coverage.

A pool of employees often overlooked are people with disabilities. Ole describes how hiring employees with disabilities provides your business with advantages.

This has been a record-breaking year of water as both May and July set rainfall records.

This has made us stress the importance of explaining the difference between "Actual Cash Value" and "Replacement Cost" for property insurance policies. Karen Spencer outlines the differences and emphasizes the value of considering how much your home will cost to rebuild rather than how much it is worth on the "market".

Internet privacy has become a large concern for businesses and individuals alike. The internet is an incredible resource but understanding the risks of cyber threats like phishing, spyware, and cookies will ensure your time online is safe and secure. Read Karen's tips on how to protect yourself on the internet.

I would like to take this time to acknowledge the hard-working staff at Scrivens responsible for creating these newsletters.

The countless hours of research and writing are truly worth the valuable information they all provide to you.

Please help share this sentiment by thanking them on our social media or emailing them directly.

Ole Jensen

Partner, Commercial Lines Account Executive - ojensen@scrivens.ca

Shawn Ryan

Succession and Estate Specialist - sryan@scrivens.ca

Ken Browness

Financial Planner - kbrowness@scrivens.ca

Karen Spencer

Personal Lines Account Manager - kspencer@scrivens.ca

Nathan Last

Marketing Communications Manager - nlast@scrivens.ca

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Scrivens Insurance and Investment Solutions
270 MacLaren Street
Ottawa, ON K2P 0M3
www.scrivens.ca | 613-236-9101
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