Barbecue Season Is In Full Swing: Don’t Go Up In Flames
The joys of outdoor cooking also bring fire and associated risks. Here are some safety reminders for gas and propane barbecues to protect you and your property from harm or damage.
• Never operate a barbecue in an enclosed space, close to a structure, or near combustibles. Have a one metre radius around it free of obstructions.
• Keep your barbecue in tip top shape. Check for hose breakage, valve leaks, and other parts before securing the tank well and turning on the gas.
• When in use, never leave the grill unattended, and when finished turn the tank off before the burners so the remaining gas in the lines can burn off. This can help prevent a flash the next time the BBQ is in use.
• Make sure your fire extinguisher is easily accessible and in good working order.
Additional Tips
• Propane companies use an additive to create an unpleasant odour like rotten eggs to make a propane leak easier to detect, so you can shut off supply immediately, stop using the grill, and clear the area.
• Although the risk of carbon monoxide is low when using a BBQ outdoors, it is not entirely eliminated. Learn to recognize the signs of CO2 poisoning and take appropriate action.
• Store propane tanks in an upright position, in a spot where they are unlikely to be knocked or bumped to prevent any safety risk.
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COVID-19 and Business Interruption Insurance
In order for Business Interruption coverage to respond, there must be direct physical loss or damage to the insured building and/or its contents or its equipment by an insured peril, such as fire, wind, or falling object, for example. Business Interruption cannot be activated on its own – a slowdown in business, closure, quarantine, etc. do not cause a direct physical loss or damage to insured property. Likewise, a virus, COVID-19 in this case, does not cause any direct physical loss or damage either. An extension in policy wordings called “interruption by civil authority,” does exist, but refers to bodily injury or property damage to a neighbouring or adjacent property where the business is closed by order or civil authority for clean-up, investigation, etc. It is hopeful that small business will be able to re-coup some of their loss from special government programs put in effect in response to the COVID-19 outbreak. The IBC and the Canadian Government have put together several resources regarding COVID-19. Information can be found under the following links: COVID-19 and business insurance: How coverage is triggered Coronavirus disease (COVID-19):Resources for Canadian businesses |
COVID-19 and Business Interruption Insurance
In order for Business Interruption coverage to respond, there must be direct physical loss or damage to the insured building and/or its contents or its equipment by an insured peril, such as fire, wind, or falling object, for example. Business Interruption cannot be activated on its own – a slowdown in business, closure, quarantine, etc. do not cause a direct physical loss or damage to insured property. Likewise, a virus, COVID-19 in this case, does not cause any direct physical loss or damage either.
An extension in policy wordings called “interruption by civil authority,” does exist, but refers to bodily injury or property damage to a neighbouring or adjacent property where the business is closed by order or civil authority for clean-up, investigation, etc.
It is hopeful that small business will be able to re-coup some of their loss from special government programs put in effect in response to the COVID-19 outbreak. The IBC and the Canadian Government have put together several resources regarding COVID-19. Information can be found under the following links: COVID-19 and business insurance: How coverage is triggered
Coronavirus disease (COVID-19):Resources for Canadian businesses
                                                            Who’s At Fault in Caution Light Crashes?
Canada’s dreaded amber light is the source of numerous intersection crashes, resulting in untold insurance claims. Because of this, be especially vigilant when turning left against yellow caution lights at intersections. Although the outcome of a given case will be determined based upon the facts that are unique to that case, a driver making a left-hand turn will generally not be able to rely on an assumption that the other driver will stop for the yellow light.
Fault for the resulting collision will likely be found in such cases on the part of the left-turning driver.Â
Drivers have a legal duty to stop for a yellow light, but only if they can do so safely. Otherwise, they are allowed to proceed through the intersection with caution.
The Highway Traffic Act states that a left-turning driver must ensure the turn can be safely made, so it is the responsibility of that driver to make sure it is safe to proceed through the intersection.Â
Some drivers attempting to make a left turn on a yellow light may assume that an approaching vehicle will stop; however, this assumption does not lessen or negate liability for left-hand turning drivers in the event of a collision.
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W.H. Williamson & Co. Limited
