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“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.”
Despite being considered lower-risk than other cities, premiums in Waterloo rose a “modest” 9.8% last year, and a “significant” increase is expected this year, said Brian McEnhill, risk manager for the insurance pool.
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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.
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.
Plus, five smart speaker settings to change right away and every Google Assistant command. Here’s how to find and delete everything Google has collected about you and how to lock down your Google Nest privacy settings. Ready to clean up the rest of your digital footprints?
Eloise Head, who became a social media sensation during the first Covid lockdown by posting videos of desserts on her now-viral food blog, FitWaffle Kitchen, makes the treats with chocolate, fudge icing and a box of pre-made chocolate cake mix.
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Larger cities facing steep declines in transit fees had the biggest hit to revenues, but many smaller municipalities have faced big cost challenges, as many families, taking advantage of what appears to be a permanent shift to working from home, at least part-time, have fled large cities for smaller towns in search of more space and affordable housing.
Kyly Clarke proves she is ‘body goals’ as she flaunts her… Green-thumbed Aussies are buying trendy new veggie garden… Sydney workers and businesses to get more cash to cover lost… Melbourne apartment building is locked down after infectious…
In the wake of the deadly US Capitol Hill riot on Jan. 6, Trump was effectively exiled from social media due to concerns that his online remarks could incite further violence. Last month, a Facebook oversight panel upheld the suspension of Trump’s accounts, but told the social network to either put a limit on the suspension or make it permanent.
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The recipe could be a welcome distraction for the five million Sydneysiders stuck in lockdown, which looks set to continue well beyond Friday’s intended end date after a trail of Covid seeping across the city’s south-west touched 21 new exposure sites.
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