Should you be concerned about Cyber Liability & Data Breaches?


“Data security has always been an issue, but perhaps no more than today. cyber-crime-500A recent survey of 1,500 Canadians clearly shows, however, that awareness of data security lags concern,” according to a Canadian Underwriter article written by Willie Wong, Security Leader, IBM Canada.

We are continuously hearing about large data breaches that are happening to celebrities or large organizations such as Target and Home Depot, but we rarely hear about the smaller data breaches that happen on a regular basis.

Cyber risk can be defined as any exposure to financial loss resulting from some sort of implication from data loss through the Internet and computer networks. It can happen to all types of organization. If you store any information on the Web, work on a computer, or if technology is a part of your organization, you are at risk.

Although coverage is now widely available, according to Nate Spurrier, Business Development Director at IDT911, quoted in Canadian Underwriter, “not all companies are willing to address every type of loss that could be incurred when investigating an event, even when offering some form of remedy to affected parties.” Awareness of the implications resulting from a data breach is simply too low for the high risk that cyber liability carriers.

To read the full article at Canadian Underwriter click through to

Are you and your organization protected against cyber risk and a data breach? There are many options available to you. The team at Roughley Insurance Brokers Ltd. can help you understand the type of risks, what you should be prepared for and what every business owner needs to know. Send us an email at for more information.

Roughley Insurance Brokers Ltd. Announces New Location in Clarington

dkt40824-prepress (2) - Clarington Snap'd Grand Opening Ad_LowRes . jpegRoughley Insurance Brokers Ltd. has opened a second location to serve the Durham Region community even better. Located at 160 Baseline Road East, Suite E-3, Bowmanville, ON, L1C 1A2, Roughley Insurance is excited to now offer valued clients in Bowmanville and the surrounding area an opportunity to get in-person access to The Roughley Advantage.

With over 65-years in service to the community from its Oshawa head-office, the team at Roughley Insurance Brokers recognized the need to support the incredible growth happening in the Durham Region to the East. As a new member of the community, Roughley Insurance Brokers continues its strong commitment to serving the community in which it’s located by providing exceptional client service and innovative insurance products, as well as demonstrating a devotion to community involvement and aiding the growth of the local business community through its membership and support of the Clarington Board of Trade. You will be sure to run into Roughley Insurance team members throughout the Bowmanville and surrounding area community.

The Roughley Insurance team invites you to join in celebrating the Grand Opening on May 1, 2015 at 1:00 PM, with an exciting ribbon cutting happening at 1:30 PM. There will be an open house, as well as light refreshments and snacks being served.

For more information on the Grand Opening please contact us at

We are looking forward to seeing you there!


Trucks a hot target for theft in 2014

Although most vehicle manufacturers would be thrilled to make a Top 10 list, Ford is likely not happy to be topping this list.

The Insurance Bureau of Canada (IBC) recently released its list of the most popular stolen vehicles for 2014, and Ford trucks are topping the list.

  • Ford F-350 SD 4WD PU 2007Trucks are top for theives
  • Ford F-350 SD 4WD PU 2006
  • Ford F-250 SD 4WD PU 2007
  • Cadillac ESCALADE 4DR 4WD SUV 2003
  • Ford F-350 SD 4WD PU 2005
  • Honda CIVIC 2DR COUPE 2D 1999
  • Ford F-350 SD 4WD PU 2004
  • Ford F-250 SD 4WD PU 2006
  • Honda CIVIC SiR 2DR 2D 2000
  • Ford F-350 SD 4WD PU 2003

According to the IBC, although Canada has seen a decrease in auto theft, almost 73,000 vehicles were stolen in 2014. The decrease in overall auto theft is a result of declines across a number of provinces, but some notable increases across the country were an 11% increase in Alberta and a staggering 29% increase in vehicle thefts in Yukon.

Police services caution vehicle buyers to be aware when they are making a purchase, particularly if they are buying a used vehicle. Do your homework on the vehicle, and purchase from a reputable dealer. But caution doesn’t stop with the purchase. Owners need to be taking precautionary steps to avoid theft.

Alarmingly, 20% of thefts occur when keys have been left in the vehicle.


The government is promising cuts, but can they deliver?

There has been no shortage of chatter and speculation surrounding the proposed cuts to insurance premiums being promised by the current Ontario government. And while we could all use a break in the pocketbook, the essential question on everyone’s mind is simply this: Can they deliver on these proposed cuts? If so, how?

photo credit: Alejandro Mallea

Will we really see a full 15 percent cut?

At the 2014 National Insurance Board of Canada Conference (held September 21, 2014 in Ottawa, Ontario), at the session entitled “Taking the Pulse: Where are we at with auto insurance”, panelists discussed and debated whether or not the proposed 15% decrease in auto insurance premiums was truly realistic.

General consensus among panelists was that the proposed 15% decrease in auto insurance premiums would be great for consumers, and would certainly allow the current government to make good on a key part of their proposed insurance reforms, there is simply not enough room to make it happen.

In an article posted on, Barbara Sulzenko-Laurie, Vice-President of Policy Development for the Insurance Bureau of Canada, is quoted as saying:

“… in our conversations with the superintendent of insurance, he’s indicated to us that no one in FSCO believes that there’s 15% that’s in the system (to be reduced).”

For more details on this story, please click through to read the full article. If you would like to discuss how these proposed changes may impact your policy, please call or email us at

Contributing to student success in our community

Roughley Insurance Brokers Ltd. and Simcoe Hall Settlement House are Gearing up for Back to School

It’s that time of year again when it seems everyone is gearing up for back-to-school.  The Simcoe Hall Settlement House and Roughley Insurance Brokers Ltd. are getting ready in a big way.

Simcoe Hall Settlement House, located in Oshawa at 387 Simcoe Street South, has begun their annual Backpacks for Success program. The program services primary, junior, high school and some college students who are going to school but may not be able to afford the supplies they need to succeed.

Lisa Storrey & Wanda Smith with folks from Settlement House

Lisa Storrey (far L), & Wanda Smith (far R) with Mark Shuwera & Pat Savage of Settlement House

“This program has been spearheaded by McGraw Hill Education, who this year collected 289 backpacks filled with school supplies. With the additional support from our friends at Roughley Insurance and other community partners, we have been able to push the number of backpacks to over 350,” said Mark Shuwera, Executive Director, Simcoe Hall Settlement House. “Each year the demand is greater.”

The team at Roughley Insurance learned of this program and reached out to contribute. The response from the community and businesses like Roughley Insurance Brokers Ltd. goes a long way in meeting the growing demand in the community for school supplies, especially at this time of the year.

This year, Roughley Insurance Brokers Ltd. contributed $1000 worth of supplies to fill the backpacks including pens, paper, duo tangs, pencil crayons, calculators and the list goes on. Lisa Storey and Wanda Smith, part of the Employee Committee at Roughley Insurance Brokers Ltd. were in charge of this community give back campaign.

Roughley Social Committee gives the gift of success to Oshawa students.

Roughley Social Committee gives the gift of success to Oshawa students.

“Employees just kept bringing in donations, up to the very last minute they could,” said Ms. Storey. “We have a strong connection with Simcoe Hall Settlement House. This isn’t the only initiative we participate in with them.” The response from the staff and management at Roughley Insurance Brokers Ltd. was overwhelming.

Jim Roughley, Owner and Broker of Roughley Insurance Brokers Ltd., explained why he participates to initiatives like the Backpacks for Success Program: “I know that some students in this community simply can’t afford school supplies. Every child should be able to get an education and have the supplies they need to succeed. This is a way for me to give back to the community and help the people who need it.” Roughley Insurance Brokers Ltd. and the Employee Committee organizes community give back programs throughout the year.

“I was born and raised in Oshawa. I’m taken care of and I work for good people. I want to help the people in this community who weren’t given the same opportunities that I was,” said Ms. Storey when asked why she and her colleagues contribute to programs like Backpacks for Success.

People throughout the community have come to know about the Backpack for Success program from previous years. The Simcoe Hall Settlement House does not pick who the backpacks go to, but instead there is an open-call for any student who needs to take advantage of the program. Pat Savage, a long-time volunteer and coordinator of the Backpacks for Success Program with the Simcoe Hall Settlement House, works tirelessly to put together the backpacks targeted to different age groups so that everyone can get the most use from the supplies they are given.

“We do what we can for all ages,” explained Mr. Shuwera.

About Simcoe Hall Settlement House:

Simcoe Hall Settlement House is a not-for-profit community resource centre dedicated, since 1935, to assisting children, families and vulnerable adults whose lives are affected by poverty. For more information about the Simcoe Hall Settlement House and to find ways that you can contribute please visit

Do small businesses have a false sense of cyber-security?

A recent article posted on tackled the issue of cyber-security, and shines a light on the fact that small businesses may not be taking their cyber-risks seriously.

photo courtesy

photo courtesy

Businesses outside the information technology sector seem less likely to seek cyber liability insurance since news broke last December 19 about the breach involving Target, suggests Insureon, an insurance provider for small business.

In a statement Wednesday, Insureon identified that in the months before information came out on Target’s data breach, 9% of non-IT Insureon applicants requested cyber coverage. In the months since, only 5% have made the request.

Insureon cautions that it appears media portrayals of breaches are giving small businesses a false sense of security.

“The reality is that small businesses get hacked far more often than big ones,” Ted Devine, CEO of Insureon, says in the company statement. “But you’re not going to turn on the evening news and hear about the florist on the corner getting breached. You’re going to hear about Michael’s and Neiman Marcus and P. F. Chang’s,” Devine continues.

Click here to read the full article, or visit and search posts related to Cyber-Security.

Gone Phishing?

There has been a lot of awareness generated about fraudulent activities that target seniors, usually with
telephone calls, to get them to give up personal and banking account information. In a digital age, however, anyone who spends time online is a target for ‘phishers’.

Phishing is a form of fraucyber-crime-500d that is actioned online, where the fraudster(s) pose as legitimate companies in order to access financial information. Phishing is typically carried out by email spoofing or instant messaging, and it often directs users to enter personal details – account numbers, login details, passwords – at a fake website whose look and feel are almost identical to the legitimate one. (Wikipedia)

Personal attacks are most common, but more and more businesses are now being targeted:

Businesses aren’t being attacked by computers, but by people attempting to exploit human frailty as much as technical vulnerability. It is a strategy problem, a human problem and a process problem,’’ said Steven Henderson, who leads PwC’s Canadian forensic services.

Cyber-crime is on the rise, and all industries are struggling to defend themselves. In a recent study published by PwC, one in three Canadian business admit to being the victim of economic fraud of varying degrees.

Just like telemarketers phishers are virtually impossible to stop. So what should you do if you suspect that you are being ‘phished’? On the personal side, Gord Jamieson, head of risk services at Visa Canada states that “emails shouldn’t be opened, [and] they shouldn’t be deleted until after they’re forwarded to law enforcement, the Canadian Anti-Fraud Centre at”

For businesses, the challenges to overcome phishing and cyber-crime are significantly increased due to the number of vulnerabilities – be it the people using technology or the software and online platforms themselves – within their systems and the fact that we have become so dependent upon technology for the daily execution of business. Tightening online security in the workplace, including adding additional layers of anti-virus and/or anti-phishing software and enforcing strict controls over internet access, is really the only option.

For more data on the impact of phishing on Canadians, please click here to read an article posted on

The (deadly) risks of taking your eyes off the road

DistractedDrivingWe all know that we shouldn’t do it, but at one point or another most of us are guilty of using our cellphones while driving. Although there is a complete, legal ban on the use of cellphones while operating a motor vehicle in Ontario, the threat of a fine does not appear to be enough to discourage drivers – in Ontario and across the nation – from engaging in this risky behaviour.

In her recent Globe and Mail article, Jessica Leeder reports that “distraction – caused by texting, smartphones and other forces that draw drivers’ attention off the road – is eclipsing impaired driving as the leading cause of crashes and fatalities in many jurisdictions across Canada and the United States.”

 “With the proliferation of technology, it’s hard to say what … this is going to lead to,” said Nova Scotia RCMP Constable Mark Skinner. “We know it’s a problem already. Will the problem continue to get worse?”

Although drivers of all ages are guilty of engaging in this behaviour, teens are reportedly the highest risk group. A 2013 study commissioned by the Ford Motor Co. of Canada reported the following alarming statistics:

  • 93 per cent of teens admitted to distracted driving;
  • 72 per cent admitted to using hand-held technology, such as texting, while behind the wheel; and,
  • 37 per cent admitted to e-mailing while their vehicle was in motion

To read the entire Globe and Mail article, please click here.

’tis the season… to GIVE!

At a time of year when many people are focused on figuring out what they want to GET this holiday season, the staff at Roughley Insurance chose to focus instead on what they could GIVE.

Roughley staff members Wanda Smith and Lisa Storey (r) with teachers at Glenn Street Public School

Roughley staff members Wanda Smith and Lisa Storey (r) with teachers at Glenn Street Public School

Several times each year the Roughley Social Committee organizes community giving initiatives, and for the 2013 holiday season, committee organizers reached out the Durham Children’s Aid Society as their charity of choice. With the help of the DCAS, the Roughley team “adopted” a family in need for Christmas; a mother and her two children, aged 4 & 15.

Having been given a ‘wish list’ from the family, the entire staff participated to raise enough money to purchase everything on the family’s wish list, with a few surprises thrown in for good measure.

In total the team at Roughley collectively raised over $1000 to bring joy and delight to a deserving family in our community.

Eyes on the Road

texting-while-driving2In an article first posted on, columnist Henry Stancu gives a breakdown of the statistics of the alarming trend of texting and driving.

“Talking on the phone, texting or using any hand-held device while driving is against the law — but many of us still do it.

In fact, more than 90 per cent of Canadian drivers surveyed confess they do.

But motorists in Ontario may soon be facing stiffer penalties, which could include demerit points along with the current $155 fine for the offence, as the provincial government considers bringing in new legislation.

Transportation Minister Glen Murray told CTV news this week that the government acknowledges everyone is using a handheld device and it’s time to re-examine the penalties relating to their use on the road. …”

Click here to read the full article as seen on