December 11, 2025
CRA Flags Aggresive Tax Schemes
The Canada Revenue Agency (CRA) has issued a public warning about aggressive tax schemes involving offshore critical illness insurance policies….
Read MoreEffective November 1 2025, Lloyd Sadd will now be doing business as Navacord. Nothing changes for our clients — service, policies and contacts remain the same. This update simply reflects our new brand and combined resources to better serve our clients.
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Insights
December 10, 2025
Protecting Materials Beyond the Job Site
Construction projects rarely stay confined to a single site. Materials move from suppliers to job sites and often sit temporarily…
Read MoreNovember 24, 2025
Protecting Projects with Delay in Start Up Coverage
Delay in Start Up (DSU) insurance coverage is designed to protect project owners, sponsors, and lenders from the financial impacts…
Read MoreNovember 19, 2025
Cyber Exposure: The Hidden Deal Risk in Canadian Mergers & Acquisitions
Cyber Risk Is Universal, Not Just for Digital-First Companies Cyber risk isn’t limited to “digital-first” businesses, every organization is exposed….
Read MoreSeptember 25, 2025
Insurable Soft Costs in Construction
In the construction sector, certain soft costs can be insured to protect project stakeholders from financial losses. When a construction…
Read MoreSeptember 23, 2025
Using Risk Management as a Catalyst for Startup Investment
When startups in Canada prepare to raise institutional capital, most founders concentrate on product-market fit, revenue trajectory, and team pedigree….
Read MoreSeptember 4, 2025
Replacement Cost and Co-Insurance: Ensuring Sufficient Limits
Replacement cost and coinsurance are two foundational concepts in property insurance. Together, they determine whether you have enough coverage to…
Read MoreAugust 27, 2025
Why Project-Specific Professional Liability Insurance is Essential in IPD Projects
Integrated Project Delivery (IPD) is reshaping construction by promoting collaboration, shared risks, and collective success. This model also creates new…
Read MoreAugust 18, 2025
Understanding Benefits Coverage for Drugs Like Wegovy, Ozempic, and Rybelsus in Canada
Wegovy, Ozempic, and Rybelsus are medications containing semaglutide that have recently been gaining popularity for managing diabetes and, more recently,…
Read MoreJuly 29, 2025
Reducing Liability Through Driver Abstract Reviews
By: Kim Hrushenski, Lloyd Sadd Authorizing someone (employee, volunteer, contractor) to drive a company vehicle creates legal exposure. It’s not…
Read MoreJuly 22, 2025
Protecting Against Tenant Related Risks with Pollution Liability Insurance
Landlords face significant environmental liabilities, particularly when their tenants engage in activities that carry pollution risks. Pollution liability insurance is…
Read MoreJuly 15, 2025
Preventing Water Damage in Your Home
One of the most common homeowners insurance claims, water damage, is completely preventable.This damage isn’t caused by flooding, heavy rainstorms…
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