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For Bracebridge town in the cottage district of Muskoka, some 175 kilometers north of Toronto, a C$160,000 increase in expenses in a year raises property taxes by 1%, said its mayor, Graydon Smith, who is also president of the Association of Municipalities Ontario.
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Accident-related lawsuits against cities and settlements have risen alongside cyber attacks and natural disasters, both domestically and globally, even as bond yields have slid, resulting in more stringent underwriting standards and higher premiums around the world.
The states alleged that Google bought off developers so they would not support competing app stores, and that through numerous secret projects it intended to pay Samsung Electronics Co, whose rival app store posed the biggest threat, to stop competing.
“Underwriters only have a certain amount of premium dollars,” said David Richards, chief executive of specialty insurance brokerage EQUA Specialty Risk Partners Corporation. “If they’re historically losing money on municipal insurance … then capacity shrinks. As a result, they focus on where they can make money.”
The 444 municipalities in Ontario, Canada’s most populous province, would face a combined revenue shortfall of about C$2.4 billion ($1.9 billion) due to the pandemic, Ontario’s Financial Accountability Office said website in December.
Make a video clip and blog post it on YouTube. Make sure you add a hyperlink to your web site. YouTube is huge. It will get so a lot visitors everyday. Envision some of this traffic grew to become yours?
Lloyds syndicates including MS Amlin and the Ontario Municipal Insurance Exchange (OMEX), which enabled cities to group together to self-insure, are among those who have left the Canadian municipal market in the last few years.
Most people believe of kittens and Justin Beiber when they think of YouTube videos; nevertheless, if you are Marketing an On-line company then you have to realize the powerful link between the fact that Google now owns YouTube.
While cities elsewhere, including in the United States, have also faced higher costs, there has been an outsized impact on Canadian municipalities due to a small pool of insurers, smaller populations and the legal requirement for municipalities to have joint and several liability (J&S) coverage, according to DBRS Morningstar.
Although J&S is not unique to municipal policies, the perception of governments as deep-pocketed has driven outsized payouts, said Pete Karageorgos, consumer and industry relations director at the Insurance Bureau of Canada.
“The municipality can still go after the other defendant if they pay more than their proportionate share.” ($1 = 1.2468 Canadian dollars) (Reporting by Nichola Saminather in Toronto Editing by Denny Thomas and Matthew Lewis)
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