COVID-19 NOTICE: Due to the current Pandemic, we will be limiting public access to our offices.

We are still working to service your insurance needs, but please contact your broker by phone or email only.

Occupiers’ Liability*

An individual or organization in possession of property (i.e., the occupier) owes a duty of care to those who come onto the premises. The occupier must take reasonable care to protect others from harm that might result from programs on the premises or at the hands of a third party on the premises. For example, an occupier should ensure that the building is safe by shovelling sidewalks in the winter.