About us

Diversity and Inclusion

Newsroom

Media Kit

Claims

Contact us

Team-building exercises in the workplace can help build trust among employees, improve camaraderie, and increase collaboration, innovation, and morale. These are many of the same goals that DEI (diversity, equity, and inclusion) programs aim to achieve, so it&rsquo;s well worth integrating DEI into your next team-building event.
In fact, when organizations incorporate DEI into team-building events, they can help to foster a greater understanding of the diverse backgrounds and experiences of employees, which in turn can cultivate greater empathy and respect.1
DEI team-building ideas
There are many ways to not only celebrate diversity at your organization, but also cultivate a better appreciation for and understanding of DEI within your organization. Here are some DEI themed ideas to consider incorporating into your next teambuilding event:
Guest speakers: Bring in guest speakers who specialize in DEI topics, such as cultural awareness, understanding stereotypes, and unconscious bias. Events can be held in person or online but be sure to leave time afterward for questions and discussion among employees.2
DEI book club: A fun way to explore different viewpoints is through a book club, where books are chosen based on DEI themes such as race, gender, disability, etc. Make sure the books selected are engaging (you don&rsquo;t want it to feel like homework) and give employees plenty of time to read the book (at least a month). Then hold an in-person or virtual meeting to discuss.3
Team-building games: Games aren&rsquo;t just fun; they can be educational. A trivia session, for example, can be done either in-person or with remote teams. By divvying employees up into teams and encouraging friendly competition, the event will be more engaging&mdash;helping employees retain what they learn. The idea is to highlight lesser-known facts about DEI to encourage discussion and learning.4
Celebrations: Year-round, organizations can honour observances such as Black History Month (February), Mental Health Awareness Month (May), Pride Month (June) and Women&rsquo;s History Month (October), as well as a diverse range of religious and cultural holidays.5 These could be ideal times to share educational resources, demonstrate allyship, and amplify the voice of non-profits or charitable organizations working in this space.
Volunteer: Another option is to offer volunteer opportunities for employees&mdash;as a team&mdash;in the community, such as serving food to the unhoused or helping at a charity event, which can create camaraderie while fostering greater understanding and empathy for others.
<h4>Sovereign: DEI in action</h4>
Sovereign Insurance put DEI into action during a team-building event at its 2023 Claims Conference in Calgary, which brought together 52 team members from across Canada. The conference&rsquo;s theme, &lsquo;The power of connection,&rsquo; emphasized the importance of building strong relationships with peers and with the community.
One of the highlights of the conference was a team-building activity that included participants simulating accessibility challenges. By experiencing first-hand the limitations of loss of sight, hearing, or touch, the team gained a better understanding of the widespread need for differently abled and disability accommodations.
The team also built wheelchairs for the Calgary Drop-in Centre, to create a meaningful and tangible impact for the community. As a result, nine wheelchairs were donated to those in need, and the team was proud to show their commitment to diversity and inclusion.
&ldquo;For our Claims Conference, we wanted to select an activity that allowed us to both collaborate as a team and reflect upon our commitment to making a positive impact in our communities,&rdquo; says Larissa Maclean, Assistant Vice-President of Claims at Sovereign Insurance.
&ldquo;The challenge activities supported our ongoing commitment to DEI, allowing us to gain insight into the challenges faced by those who are differently-abled, and resulted in the donation of nine wheelchairs to a local organization&mdash;a win-win!&rdquo;
These activities were organized through <a href="https://www.outbackteambuilding.com/">Outback Team Building &amp; Training</a>, a team building and employee training provider in North America that offers more than 60 team-building and training solutions endorsed by thousands of corporate groups across North America.6
&nbsp;
Sources:
1 &ldquo;15 Fun Diversity Team Building Activities&rdquo; (Teamland, accessed Jan. 16, 2024). <a href="https://www.teamland.com/post/fun-diversity-team-building-activities">15 Fun Diversity Team Building Activities (teamland.com)</a>
2 Angela Robinson; &ldquo;18 Virtual Diversity And Inclusion Activities For Workplaces&rdquo; (teambuilding.com, Oct. 24, 2022). <a href="https://www.teamland.com/post/fun-diversity-team-building-activities">15 Fun Diversity Team Building Activities (teamland.com)</a>
3 Collin Waldoch; &ldquo;Diversity and inclusion Team Building Activities (10 Options), (Water Cooler Trivia, Apr. 1, 2022). <a href="https://www.watercoolertrivia.com/blog/diversity-and-inclusion-team-building-activities">Diversity And Inclusion Team Building Activities (10 Options) (watercoolertrivia.com)</a>
4 &ldquo;15 Fun Diversity Team Building Activities&rdquo; (Teamland, accessed Jan. 16, 2024). <a href="https://www.teamland.com/post/fun-diversity-team-building-activities">15 Fun Diversity Team Building Activities (teamland.com)</a>
5 Grace He; &ldquo;Diversity and Inclusion Activities &amp; Ideas for the Office in 2024&rdquo; (teambuilding.com, Dec. 12, 2023). <a href="https://teambuilding.com/blog/diversity-and-inclusion-activities">Diversity and Inclusion Activities &amp; Ideas for the Office in 2024 (teambuilding.com)</a>
6 Outback Team Building, accessed Jan. 16, 2024. <a href="https://www.outbackteambuilding.com/">The #1 Corporate Team Building Company | Outback Team Building</a>

DEI-themed ideas for your next team-building event

Purpose And Impact

In a traditional industry like insurance, change can sometimes happen at a gradual pace. But there&rsquo;s one emerging technology many businesses might be wise to move quickly on: Generative AI.
Hailed as a transformative force in business, Generative AI (GenAI) refers to deep-learning models that can generate high-quality text, images and other content based on the data they were trained on.1 While GenAI&rsquo;s roots trace back to the early days of artificial intelligence in the 1950s, the technology burst on the public scene in 2022, when OpenAI launched a consumer-facing GenAI tool called ChatGPT.2
In the insurance sector, experts say GenAI is &ldquo;fundamentally reshaping everything from underwriting and risk assessment to claims processing and customer service.&rdquo; More specifically, GenAI tools &ldquo;have the potential to automate processes, enhance customer experiences and streamline claims management, ultimately driving efficiency and effectiveness across the industry.&rdquo;3
In the Canadian Underwriter 2024 National Broker Survey, sponsored by Sovereign Insurance, brokers were asked how beneficial certain changes or investments have been in their organizations. Just over a fifth (21%) of respondents said using artificial intelligence and machine learning tools such as ChatGPT have been highly beneficial to them. Brokers were also asked how beneficial certain investments and actions have been for strengthening their business. Twenty-two percent of brokers indicated AI and machine learning tools have been highly beneficial on that front.&nbsp;
While it&rsquo;s still early days for generative AI, there&rsquo;s no doubt brokers and carriers alike are thinking about how they can harness the power of GenAI across their operations. Here&rsquo;s a look at a few key areas where the sector can leverage AI.&nbsp;
Claims management: For carriers, one promising application is in claims management, says Ricky Chan, Senior Solution Architect at Sovereign Insurance. &ldquo;Generative AI can help automate claims processing and assessment, which in turn increases adjusters&rsquo; productivity, allowing them to focus their expertise on more complex claims,&rdquo; he says.&nbsp;
Underwriting: GenAI can also help inform underwriting decisions. As Accenture notes, the technology highlights risk control analysis insights to show loss prevention measures in place and the effectiveness of those controls. Generative AI can generate a comprehensive narrative of the overall risk and its alignment to the carrier&rsquo;s appetite and book, as well as identify and source missing data.4
Submissions: For brokers, GenAI has a variety of promising use cases, such as submission preparation and client Q&amp;As. According to Accenture, the effort required to identify adequate coverage and prepare submissions can be dramatically reduced through GenAI. Specifically, the technology can prompt the broker on the types of questions they should ask based on what is known about the insured, the industry the insured operates in, and the risk profile of the insured&rsquo;s company compared to others. In addition, GenAI could identify potentially overlooked up-sell or cross-sell opportunities.5
Information and knowledge: For any company, GenAI can make day-to-day work life easier by performing administrative tasks and knowledge gathering, an area that Sovereign is currently exploring. &ldquo;There are substantial positive impacts to day-to-day operations, such as summarizing information and meeting minutes, intelligent information search and ease of access of information,&rdquo; says Ricky.&nbsp;
Chad Hunter, Vice-President, Information Technology at Sovereign Insurance, adds that Sovereign &ndash; like many companies &ndash; uses a handful of different platforms and domains, including e-mail, OneDrive, SharePoint and Microsoft Teams. By using a natural language chatbot or co-pilot tool, the company&rsquo;s knowledge and data could be streamlined. For example, &ldquo;instead of underwriters having to go to several different spots looking for knowledge, they could use the chatbot&hellip; and behind the scenes, that generative AI model will go to all the different areas and provide real-time responses,&rdquo; explains Chad.&nbsp;
What&rsquo;s next for GenAI? Beyond just talking about the possibilities of the technology, many companies in the insurance space &ndash; Sovereign included &ndash; are now testing and learning. Looking ahead, Deloitte notes that as generative AI moves from possibilities to practicalities, choosing the right use cases, selecting appropriate tools, getting to scale, and accurately measuring progress will all be important steps.6

Sources&nbsp;
1 IBM, &ldquo;<a href="https://research.ibm.com/blog/what-is-generative-AI">What is generative AI?</a>&rdquo; April 20,2023 2 Medium, &ldquo;<a href="https://matthewdwhite.medium.com/a-brief-history-of-generative-ai-cb1837e67106">A Brief History of Generative AI</a>,&rdquo; Jan. 7, 2023 3 EY, &ldquo;<a href="https://www.ey.com/en_us/insights/insurance/how-insurers-can-leverage-the-power-of-generative-ai">How insurers can leverage the power of generative AI</a>,&rdquo; Aug. 28, 2023 4 Accenture, &ldquo;<a href="https://insuranceblog.accenture.com/3-ways-insurance-underwriters-gain-insights-generative-ai">3 ways insurance underwriters can gain insights from generative AI</a>,&rdquo; March 21, 2024 5 Accenture, &ldquo;<a href="https://insuranceblog.accenture.com/5-key-generative-ai-use-cases-in-insurance-distribution">5 key generative ai use cases in insurance distribution</a>,&rdquo; Feb. 13, 2024 6 Deloitte, &ldquo;<a href="https://www2.deloitte.com/content/dam/Deloitte/us/Documents/consulting/us-state-of-gen-ai-report-q2.pdf">Now decides next: Getting real about Generative AI</a>,&rdquo; April 2024

Why the insurance sector should keep step with GenAI 

Hot Topics

Managing Risk

Even the most advanced technologies and significant investments in cybersecurity can&rsquo;t fully protect businesses from a major cyber risk: their own employees.
In the 2024 Voice of the CISO report by cybersecurity firm Proofpoint, 74% of survey respondents said human error is their most significant risk when it comes to cyberattacks. This finding is echoed in a 2023 study by Verizon, which found that human error is indeed a factor in 74% of total breaches, despite ongoing efforts by enterprises to strengthen their defences and increase training in cybersecurity.1,2
Employee training can fall short for several reasons: distractions in the workplace, a lack of awareness about the critical role employees play as the first line of defence, and the challenge of staying on top of the evolving threat landscape, to name a few.3
Small- and medium-sized businesses (SMBs) face an even bigger challenge: They might not have the resources to conduct employee training in the first place, relying instead on third parties to support their security measures. This can be a costly mistake.
Despite the perception that cybercriminals only target large corporations, certain types of attacks, such as social engineering, are more frequently aimed at small businesses. These companies are typically not financially prepared for an attack, and it could even put them out of business. According to IBM&rsquo;s 2023 Cost of a Data Breach Report, the average cost of a data breach on organizations with fewer than 500 employees is US$3.31 million.4,5
<h4>Simple steps for employee training in SMBs</h4>
While it may not be feasible for SMBs to regularly conduct extensive employee training sessions, mitigation strategies don&rsquo;t have to be complex. There are simple and cost-effective measures that can be easily understood and adopted, making it possible for SMBs to strengthen their cybersecurity efforts.
Make employees aware of the critical role they play: First and foremost, employees must understand the &ldquo;why.&rdquo; According to a 2023 survey by the Insurance Bureau of Canada, many employees underestimate the role they play in being cyber safe at work and the impact of potential cyberattacks on their employer. Nearly half (47%) believe technology plays more of a role in protecting their workplace from cyber threats than they do; 30% believe their employer is solely responsible for protecting the organization from cyber threats; and 31% do not believe cyber criminals would target them.6
Whether it&rsquo;s in the form of interactive workshops or channels like emails and posters, employers should regularly communicate security awareness to staff. When they are aware of the importance of cybersecurity and their role in safeguarding their company, employees are more likely to take this issue seriously and report suspicious activities.7,8
Educate employees about common and evolving threats: Educating staff about different types of cyberattack, how to spot them, and how to respond to them is crucial for protecting against breaches. Recognizing phishing tactics, for example, includes identifying suspicious emails, unusual requests, and fake websites. Staff should also be clear on who to contact if they encounter a suspicious message. In a social engineering attack, cybercriminals may mimic the writing style of a CEO to trick an employee into sending money. In this case, businesses should have dual controls in place, meaning a second person should verify the request.9,10
As part of awareness training, SMBs can take advantage of free online resources, such as webinars, toolkits, articles and e-learning courses from cybersecurity organizations like the <a href="https://www.cyber.gc.ca/en/small-medium-businesses" target="_blank" rel="noopener">Canadian Centre for Cyber Security</a> and the <a href="https://www.unb.ca/cic/webinars.html" target="_blank" rel="noopener">Canadian Institute for Cybersecurity</a>, the Government of Canada&rsquo;s <a href="https://www.getcybersafe.gc.ca/en/resources/get-cyber-safe-guide-small-businesses#C7" target="_blank" rel="noopener">Get Cyber Safe</a> platform, as well as cybersecurity firms.
Other ways to keep employees informed are through newsletters with tips, news about recent threats and best practices; informal lunch-and-learn lessons where employees can share news and insights; and a database or guidebook where employees can stay up to date on the latest threats and find answers to their cybersecurity questions.11,12,13
Nurture a cybersecurity culture: A strong culture of cybersecurity &ndash; meaning it&rsquo;s entrenched in the company&rsquo;s values &ndash; is essential. SMBs should lead by example, showing the company is committed to cybersecurity at all levels. This makes employees more likely to follow suit. Since employee engagement is a key element of building a cybersecurity culture, business leaders should also recognize and reward employees who demonstrate good practices.14
Another way to build a strong cybersecurity culture is to speak employees&rsquo; language. Experts advise communicating in plain language, avoiding technical jargon and focusing on practical advice employees can use daily. For example, rather than using the term &ldquo;multi-factor authentication,&rdquo; they can explain there is an extra layer of security when logging in.15
Additionally, fostering open communication and a &ldquo;no-blame culture&rdquo; is essential. Employees should feel comfortable asking questions, reporting suspicious emails and voicing concerns without fear of reprisal.16
While SMBs may face resource constraints, the cost of not investing in cybersecurity &ndash; even in the simplest of ways &ndash; is far greater. By prioritizing employee awareness and creating a strong cybersecurity culture, businesses can turn their weakest link into their strongest line of defence.
&nbsp;
&nbsp;
Sources
1 Proofpoint, &ldquo;<a href="https://www.proofpoint.com/us/newsroom/press-releases/proofpoints-2024-voice-ciso-report-reveals-three-quarters-cisos-identify" target="_blank" rel="noopener">Proofpoint&rsquo;s 2024 Voice of the CISO Report Reveals that Three-Quarters of CISOs Identify Human Error as Leading Cybersecurity Risk</a>,&rdquo; May 21, 2024
2 Verizon, &ldquo;<a href="https://www.verizon.com/about/news/2023-data-breach-investigations-report" target="_blank" rel="noopener">2023 Data Breach Investigations Report: frequency and cost of social engineering attacks skyrocket</a>,&rdquo; June 6, 2023
3 Skillsoft, &ldquo;<a href="https://www.skillsoft.com/blog/why-security-training-fails-and-how-to-fix-it" target="_blank" rel="noopener">Why Security Training Fails And How To Fix It</a>,&rdquo; June 3, 2022
4 &nbsp;StrongDM, &ldquo;<a href="https://www.strongdm.com/blog/small-business-cyber-security-statistics" target="_blank" rel="noopener">35 Alarming Small Business Cybersecurity Statistics for 2024</a>,&rdquo; Feb. 1, 2024
5 Business.com, &ldquo;<a href="https://www.business.com/articles/smb-budget-for-cybersecurity/" target="_blank" rel="noopener">The Cost of Cybersecurity and How to Budget for It</a>,&rdquo; Aug. 13, 2024
6&nbsp; Insurance Bureau of Canada, &ldquo;<a href="https://www.ibc.ca/news-insights/in-focus/ibcs-research-suggests-business-owners-and-employees-could-be-putting-their-organizations-at-risk" target="_blank" rel="noopener">Are you cyber savvy? IBC&rsquo;s research suggests business owners and employees could be putting their organizations at risk</a>,&rdquo; Nov. 6, 2023
7 LinkedIn, &ldquo;<a href="https://www.linkedin.com/advice/1/you-need-communicate-security-awareness-your-ob68f" target="_blank" rel="noopener">You need to communicate security awareness to your employees. What are some effective ways?</a>&rdquo;
8 FasterCapital, &ldquo;<a href="https://fastercapital.com/content/Train-your-employees-on-cybersecurity.html#The-Importance-of-Cybersecurity-Training-for-Employees" target="_blank" rel="noopener">Train your employees on cybersecurity</a>,&rdquo; June. 4, 2024
9 Pure IT, &ldquo;<a href="https://www.pureit.ca/five-ways-small-businesses-can-stop-a-cyber-breach-from-ever-happening/" target="_blank" rel="noopener">Five Ways Small Businesses Can Stop A Cyber Breach From Ever Happening</a>&rdquo;
10 Teal, &ldquo;<a href="https://tealtech.com/blog/cybersecurity-awareness-training-for-employees/" target="_blank" rel="noopener">5 Ways to Promote Employee Cybersecurity Awareness Training</a>,&rdquo; July 25, 2024
11 Mitnick Security, &ldquo;<a href="https://www.mitnicksecurity.com/blog/remote-security-tips" target="_blank" rel="noopener">Remote Security: 5 Cyber Security Tips for Employees and Businesses</a>,&rdquo; Feb. 22, 2024
12 The AME Group, &ldquo;<a href="https://www.theamegroup.com/headlines/engage-employees-to-increase-cyber-safety/" target="_blank" rel="noopener">Engage Employees To Increase Cyber Safety</a>&rdquo;
13 &nbsp;Compyl, &ldquo;<a href="https://compyl.com/blog/cybersecurity-awareness-training-for-small-business/" target="_blank" rel="noopener">Getting Started With Cyber Security Awareness Training for Small Business</a>,&rdquo; Sept. 5, 2024
14 Babylon Solutions, &ldquo;<a href="https://www.babylonsolutions.com/cybersecurity-guide-for-small-businesses-how-to-protect-your-company/" target="_blank" rel="noopener">Cybersecurity Guide for Small Businesses: How to Protect Your Company</a>,&rdquo; Oct. 7, 2024
15 SMB Solutions: &ldquo;<a href="https://www.smbsolutions.com.au/10-easy-steps-to-building-a-culture-of-cybersecurity-awareness/" target="_blank" rel="noopener">10 Easy Steps to Building a Culture of Cybersecurity Awareness</a>,&rdquo; Aug. 23, 2024
16 Tripwire, &ldquo;<a href="https://www.tripwire.com/state-of-security/cultivating-cybersecurity-culture" target="_blank" rel="noopener">Cultivating a Cybersecurity Culture</a>,&rdquo; Jan. 23, 2024

Empowering employees to help prevent cyberattacks

Careers

Your Experience at Sovereign

Manufacturing

Construction and Contracting

Wholesale, Warehousing and Transportation

Energy & Resources

Industries & Solutions

Advice & tools

Work with us

Senior Executive Team

Calgary

Halifax

Montreal

Toronto

Vancouver

Winnipeg

Partner with Sovereign

Commission Disclosure

Commission Schedule

National Risk Engineering Services

Automobile

Management Liability

Equipment Breakdown

Liability

Professional Liability

Property

Technology and Cyber

Cross Border Facility

tools

Sovereign - Tools

Complete your daily vehicle inspection by referring to the guide below. Keep in mind, all defects must be recorded on the inspection report and reported to the operator immediately. No vehicle should be driven with a major defect.
To download the guide, click the &ldquo;Download Tool&rdquo; button above.

Vehicle Inspection Guide

This checklist provides a list of critical items for a driver to check on the vehicle prior to the start of the shift or workday. Completing this checklist not only helps ensure the vehicle is safe to drive, it may also help prevent costly on-road breakdowns.
To use a digital version of this tool, click the "Download Tool" button above. Once the PDF file is downloaded and opened in Adobe Acrobat Reader, click the "Fill &amp; Sign" button in the right column to start digitally filling the PDF file.

Non-commercial Vehicle Pre-trip Inspection Checklist

This checklist tracks the periodical mechanical inspections required for your commercial power units and trailers, to help you ensure that critical safety functions have been inspected and managed appropriately. It also keeps a log of the maintenance history of your inspected equipment, so that you can track maintenance/repair trends. To use a digital version of this tool, click the "Download Tool" button above. Once the PDF file is downloaded and opened in Adobe Acrobat Reader, click the "Fill &amp; Sign" button in the right column to start digitally filling the PDF file.

Fleet Preventative Maintenance Checklist

Liquid Bulk Trucks & Trailers: Product Offloading Best Practice

Accidents happen quickly and without notice. Therefore, we have listed some important tips to remember if you are faced with a motor vehicle incident. Use this kit as a tool to aid you in making a claim in the event of a motor vehicle accident.&nbsp;
To use a digital version of this tool, click the "Download Tool" button above. Once the PDF file is downloaded and opened in Adobe Acrobat Reader, click the "Fill &amp; Sign" button in the right column to start digitally filling the PDF file.

Automobile Accident Reporting Kit

Designed with fleet managers in mind, the Auto Risk Management Toolkit offers helpful resources to protect and support your drivers and help prevent road risks before they happen. The toolkit includes: The benefits of defensive driver training
While preventing accidents to keep people safe is the most compelling benefit of defensive driver training, there are several other benefits.&nbsp; Find out what defensive drivers look out for, the key benefits of defensive driver training, and some key defensive skills and techniques to keep your drivers, and fleet, safe. The importance of pre-hire road tests When hiring new drivers, applicants with years of trucking experience can look great on paper. However, regardless of a candidate&rsquo;s work history, it&rsquo;s crucial for fleet owners and operators to conduct a pre-hire road test to ensure the driver&rsquo;s skills and professionalism are up to speed. Learn what&rsquo;s involved and how to put your drivers to the test.&nbsp; Fleet preventative maintenance checklist template This checklist tracks the periodical mechanical inspections required for your commercial power units and trailers, to help you ensure that critical safety functions have been inspected and managed appropriately. It also keeps a log of the maintenance history of your inspected equipment, so that you can track maintenance/repair trends. Non-commercial vehicle pre-trip inspection checklist template This checklist provides a list of critical items for a driver to check on the vehicle prior to the start of the shift or workday. Completing this checklist not only helps ensure the vehicle is safe to drive, it may also help prevent costly on-road breakdowns. Liquid bulk trucks &amp; trailers: product offloading best practice infographic When offloading product from a liquid bulk truck/trailer, it&rsquo;s critical that drivers remain at the controls. Remind your drivers of this important best practice with this pictogram &ndash; and optional decal!

Auto Risk Management Toolkit

Designed specifically with Fleet Managers in mind, use this report template to track your fleet's accident and incident trends to support your drivers in upholding safe and responsible driving practices. Included in this template: are three different registers to help you track trends in your fleet: an Accident/Incident Register, a FMCSA Accident Register and a Violation Register To download the Excel Template, click the &ldquo;Download Tool&rdquo; button above.

Accident/Incident Register

Having a response to an unplanned shutdown of your office, facilities, project site, etc. should be part of your Business Continuity Plan. It&rsquo;s important to plan for such events by establishing a contingency plan and a systematic procedure to coordinate your facility shutdown in the best possible way. Complete this checklist to help you coordinate an unplanned shutdown of your facility.

Unplanned Shutdown Checklist

If your employees are using their own vehicles to support your business operations, for instance shifting their responsibilities to include driving deliveries of your products to clients, your current insurance policy may not provide appropriate coverage. Use the checklist below to help you screen and onboard employees into driver roles.

COVID-19 Non Owned Auto Exposures Checklist

Ontario provincial regulations (Technical Standards and Safety Authority) require certain boilers and pressure vessels be inspected and certified. We can help you determine your inspection requirements.

Ontario Equipment Breakdown Boiler and Pressure Vessel Checklist

Here are some tips to help you ensure that your construction site, the partially built structure, and neighbouring area remain well safeguarded and secure when construction has ceased.
This checklist provides general guidance only. Refer to the terms and conditions of your policy for further details regarding your obligations with respect to construction sites and partially built structures. In the event of any conflict between this general guidance and your policy, the terms of your policy will govern.

How to Manage Your Site when Construction Stops Checklist

The following checklist provides guidance and best practices to help you secure and protect vacant, shut down or unoccupied buildings.
This checklist provides general guidance only. Refer to the terms and conditions of your policy for further details regarding your obligations with respect to vacant, shut down or unoccupied buildings. In the event of any conflict between this general guidance and your policy, the terms of your policy will govern.

Securing Vacant/Unoccupied Buildings Checklist

Whether a major event shuts down your business completely, or allows you to continue operating at reduced capacity, you&rsquo;ll be glad you developed a solid Business Continuity Plan (BCP). No matter which scenario you may find yourself in, it&rsquo;s important to recognize that the risks to your business evolve with the state of your operations.&nbsp; When it comes to protecting your critical equipment, at a minimum your BCP should outline how you will operate, fix, shut down and even restart your equipment. And if it&rsquo;s missing some key considerations, we can help!

Safeguarding your Equipment in Challenging Times

Completing this Hot Work Permit is required before starting any operation that involves an open flame or produces heat and/or sparks.

Hot Work Permit

Qu&eacute;bec provincial regulations (R&eacute;gie du b&acirc;timent du Qu&eacute;bec) require certain boilers and pressure vessels be inspected and certified. We can help you determine your inspection requirements.

Quebec Equipment Breakdown Boiler and Pressure Vessel Checklist

Take appropriate steps to safeguard your business while your fire protection systems are impaired by completing this checklist and emailing it to your broker.

Fire Protection Impairment Notification Checklist

Today, boilers and pressure vessels are ubiquitous in modern society and are used across many sectors, including power generation, manufacturing, agri-food, forestry and dry cleaning.1 But when it comes to managing the risks associated with them, many companies still aren&rsquo;t aware of the role their insurers play with regards to inspections, their responsibilities as owners and how inspections can be beneficial to their businesses. We break down three key reasons why you not only need a jurisdictional inspection, but how it can benefit your business.
<h4>It&rsquo;s the law!</h4>
First and foremost, regular inspection of boilers and pressure vessels is the law, and it&rsquo;s important for owners and operators to stay on top of any regulatory changes. In July 2018, The Technical Standards and Safety Authority (TSSA) introduced new regulations for boilers and pressure vessels in Ontario.2 Previously, the insurer would issue a Certificate of Inspection directly to the client. Now, boiler and pressure vessel (BVP) owners must work directly with the TSSA, which will issue a Certificate of Inspection after the device has passed a periodic inspection and the insurer submits a Record of Inspection. Owners are required to pay a fee to the TSSA to receive their Certificate of Inspection. Ultimately, the onus is on owners and operators to comply with the law. In Ontario, if it&rsquo;s determined that the boiler or pressure vessel falls under the regulations, the owner or user is responsible for having it inspected before being put into operation (by the TSSA) and on a periodic basis after being put into service (by their insurance company). Once in operation, the insurer or third-party inspector will inspect every one, two or three years as required by the regulations. Qu&eacute;bec has similar requirements, though differs slightly in inspection frequency. In Qu&eacute;bec, if it&rsquo;s determined that the boiler or pressure vessel falls under the regulations, the owner or user is responsible for having it approved before being put into operation by the R&eacute;gie du b&acirc;timent du Qu&eacute;bec (RBQ).3 After being put into service, the boiler or pressure vessel is then inspected on a periodic basis by a person or body recognized by the RBQ, which issues a periodic inspection certificate. The inspection frequency varies, and may be a one, two, three or four-year cycle depending on the type of boiler or pressure vessel. Insurance companies are valuable partners in this regard. They can help companies determine if their vessel falls under the regulations and what the inspection requirements are, as well as help them comply with the regulations.
<h4>It&rsquo;s a matter of safety</h4>
In any jurisdiction, the primary reason boilers are periodically inspected is to verify compliance with safety requirements. Boilers can explode, causing property damage, injuries and deaths4, so ensuring the safety of people who are in the vicinity of the unit &mdash;whether they&rsquo;re employees or members of the public &mdash; is job number one.
<h4>It can save you money</h4>
Beyond the critical importance of safety, regular inspections have bottom-line benefits for owners and operators. For example, a common discovery during inspections is the formation of scale on the heat transfer surfaces of the boiler.5 Scaling reduces the rate of heat transfer across boiler tubes, and the reduced efficiencies result in increased energy costs.6 &nbsp;While regular maintenance and proper upkeep is imperative, an inspector&rsquo;s expertise can help ensure efficient operation and extend the life of the equipment. Though explosions are rare considering the sheer volume of boilers in operation around the world, they can also be very costly to businesses. First, there&rsquo;s the damage from the explosion itself, and then there&rsquo;s the cost of replacing the units. Insurance is the obvious way to reduce financial impacts in the event of an accident &ndash; but you need the right coverages in place. For example, it&rsquo;s important to note that losses to equipment aren&rsquo;t always covered under Property policies and there are exclusions that Equipment Breakdown insurance is designed to fill.7
<h4>We can help</h4>
At Sovereign, we make every effort to determine &mdash; based on your type of business &mdash; whether you have boiler or pressure vessel equipment installed and can arrange a visit from our inspector as needed. We have extensive equipment inspection services and can provide jurisdictional inspections in both Ontario and Qu&eacute;bec through our trusted partners.
&nbsp;
1&nbsp;Ontario&rsquo;s Regulatory Registry:&nbsp;<a href="https://www.ontariocanada.com/registry/view.do?postingId=24227&amp;language=en">Boilers and Pressure Vessels Regulatory Review</a>&nbsp;June 2, 2017 2 TSSA:&nbsp;Amendments to Ontario&rsquo;s Boilers and Pressure Vessels Regulation&nbsp;February 2, 2018 3 B-1.1, r. 6.1 - <a href="http://legisquebec.gouv.qc.ca/en/pdf/cr/B-1.1,%20R.%206.1.pdf" target="_blank" rel="noopener">Regulation respecting pressure installations</a>&nbsp;Updated November 1, 2019 4&nbsp;Engineering 360: <a href="https://insights.globalspec.com/article/2044/training-and-vigilance-key-to-preventing-boiler-accidents" target="_blank" rel="noopener">Training and Vigilance Key to Preventing Accidents</a>&nbsp;February 2, 2016 5&nbsp;The National Board of Boiler and Pressure Vessel Inspectors: <a href="https://www.nationalboard.org/Index.aspx?pageID=164&amp;ID=224" target="_blank" rel="noopener">Water Maintenance Essential to Prevent Boiler Scaling</a>, accessed August 22, 2019 6 U.S. Department of Energy: <a href="https://www.energy.gov/sites/prod/files/2014/05/f16/steam7_surfaces.pdf" target="_blank" rel="noopener">Clean Firetube Boiler Waterside Heat Transfer Surfaces</a>, accessed August 22, 2019 7 Sovereign Insurance: <a href="https://www.sovereigninsurance.ca/Industries-and-Solutions/Equipment-Breakdown">Equipment Breakdown</a>

Advice and Tools

Tools

Join our newsletter

You may also like

Client spotlights

Connect With Us

Let's stay in touch