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Flexible work hours, new technology, and ever-changing workplaces has made it more difficult when it comes to setting healthy boundaries at work.
Factor in ongoing labour shortages and retention issues in many sectors, it’s now more important than ever for employers to create an environment where employees feel comfortable and productive.
“As people continue to move back into the workplace, you want to do it in stages. You don’t want to do it all at once,” recommends Carrie Thomas, owner of Nimbus HR Solutions Group, a Chamber Member. “Many people don’t really have a workday anymore they have a workflow, and we don’t even have boundaries and have let them all go.”
She says workplace boundaries can be broken into several categories, including physical, intellectual and emotional, communication, time, and priority and workload, and that each requires employers and employees to have a clear indication of what their work expectations are.
“If work performance isn’t where it needs to be, as a leader, we need to ask ourselves why? Does the employee feel comfortable here and does the task match?” says Carrie. “Are we having those candid conversations with our employees to say these are the clear expectations I need from you? Maybe I missed something on your onboarding?”
She recommends creating a 90-day commitment plan to ensure a new employee can get up to speed, and to give returning employees time to get back into the flow.
“If an employee was away from work for medical reasons, we would create a return-to-work plan and it would be gradual,” says Carrie, adding that most SMEs owners spend at least 90% of their time dealing with people and people problems and that using a professional HR company can help ease those stresses. “We like to put the power of a full-service HR department into the hands of the small business owner so they can focus on the business of running their businesses.”
The team at Nimbus HR Solutions Group Inc. – Carrie Thomas, Danielle Delnick and Janette McDonald – provided the following advice when it comes to creating healthy workplace boundaries:
How would you define ‘healthy’ workplace boundaries? Healthy workplace boundaries are an agreement and understanding between the employer and employee on what a person requires to be effective, successful, and even over-achieve in their work. It is a balance between the needs of the employee versus the needs of the business. Overall wellness impacts a person’s ability to produce quality work, the happier, more fulfilled and balanced a person feels the better the output from them. Investing in a health work environment and company culture is a more cost-effective solution as it promotes retention and ultimately lowers the cost of recruitment and training.
Examples:
When people return to the workplace, or continue with hybrid models, what potential steps should employers take to make the transition smoother?
How can an employer help employees communicate their needs? Establishing rapport with employees: The more employees trust their employer, the more likely they are to communicate when experiencing any challenges. Establishing rapport with employees immediately is an excellent way to encourage open communication. For example, managers can bring lunch for their teams, and instead of discussing business, they can encourage everyone to share their interests and lives. This might be a modest gesture, but it can work as an excellent way to help employees begin communicating with each other.
What are the signs that ‘healthy’ workplace boundaries may be lacking in a workplace?
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The much-anticipated introduction of the Canada-Wide Early Learning and Child Care plan and its goal to introduce its $10 a-day program by 2026 has created a higher demand for spaces as regulated child-care facilities struggle to find qualified staff, which in turn has impacted the economy as parents, many of them women, forgo entering or re-entering the workforce to stay home with their children.
“As the plan was introduced right at the beginning of 2023 fees have been cut in half and that has opened up the opportunity for a lot more families to access care that couldn’t, or didn’t, in the past,” says YWCA Cambridge CEO Kim Decker, noting the long wait lists it has created at the organization’s four school-based centres. “We now have parents calling us when they find out they are pregnant to see if they can get their kids on the list for child care because there just aren’t enough spaces.”
She says the national plan is being implemented in different ways by provinces and territories, explaining the political ‘will’ of each is dictating what level of success they will reach. In Ontario, which committed to reach $10 per day and create 86,000 new spaces by 2026 when it secured a deal last March with the Government of Canada, Kim says the plan has fallen short.
“It’s a status quo funding model and there’s no real opportunity for growth,” she says. “There needs to be a growth plan that accompanies this.”
Child-care ‘deserts’ created
Kim says the national plan was put in place to not only reduce fees for parents, but create spaces, particularly for those living in underserviced areas. Quoting a report by the Canadian Centre for Policy Alternatives, Kim says 53% of younger children in the province reside in child-care ‘deserts’, adding that Kitchener-Waterloo was identified in the report as being underserviced, despite a push by the Region of Waterloo to the Province to provide more spaces.
“Right now, we know that from 2024 to 2026, we will only get another 200 spaces,” she says, adding other local licensed child-care providers are also experiencing space shortages.
Kim says the economic impacts of these shortages are being amplified as more companies continue to call employees back to the workplace, explaining that many parents had taken their children out of child care when the pandemic hit but now can no longer find them spaces.
“This has disproportionately impacted women because if a family has choices, I will say in most cases it will be the women who will have to make the decision to give up their careers and stay home,” she says. “It’s going to affect the economy and women need to be a big part of our economy if it is going to remain strong.”
Chamber submits national policy
In effort to alleviate the problem, the Cambridge Chamber of Commerce has submitted a national policy to be considered by the Canadian Chamber of Commerce network at its AGM this fall in Calgary, Alta. Included among our recommendations is a call for the federal and provincial/territorial governments to work together to investigate the possibility of providing subsidization for ECE (early childhood educators) wages and the creation of a fully funded pension and benefits plan in effort to attract more workers into the child-care sector with the goal of reducing wait lists.
Labour shortages in terms of attraction and the retention of qualified ECEs has compounded the issue of growing wait lists. As noted in a recent response released by the YWCA Ontario Coalition to the Province regarding its CWELCC discussion paper on the child-care funding formula, the group identified the fact the plan is based on operating capacity rather than licensed capacity. YWCA Ontario’s response states many Ontario child-care operators are operating below licensed capacity due to recruitment and retention issues yet must still bear the costs of maintaining rooms and unoccupied spaces which makes it difficult to hire additional staff to fill those empty spaces.
YWCA dealing with staffing crisis
“We are in a staffing crisis right now,” says Kim, adding the local YWCA has used reserved funds to hire someone to work with its director of child-care services on recruitment and retention. “We need to be able to staff the spaces we already have.”
The Province has set a wage floor of $18 an hour for ECEs, with Ontario’s Minister of Education Stephen Lecce recently announcing an increase of $1 a year annually up to $25.
“That’s not going to work,” says Kim. “It needs a whole new way of thinking and a whole new strategy, and a real commitment to paying people what they are worth.”
The Association of Early Childhood Educators of Ontario has called for a minimum of $30 an hour for ECEs and $25 an hour for non-ECE staff members. Either one or two of the workers in a child-care room are required to be an ECE, depending on the age of the children.
“They have the responsibility for our youngest learners and creating a foundation and baseline for them going forward. It is a really important job and for a very long time, we’ve devalued the work child-care workers provide in our community,” says Kim, adding how local child-care workers were one of the first groups to return to work a few months after the pandemic began in 2020, allowing parents to get back to work sooner. “I think the pandemic also shone a light on how the whole care economy has been underpaid for a really long period of time and child care is part of that.” |
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The Ontario government will launch a first-of-its-kind program June 1 to make free naloxone kits (and free training) available at workplaces where there is a risk of staff witnessing or experiencing an opioid overdose.
In 2022, there were 2,521 confirmed probable opioid deaths in Ontario, which represents a 12% drop in cases compared to 2021. Despite this, the number of deaths last year remains substantially higher compared to what was observed prior to the pandemic (2017-2019).
Naloxone is a life-saving medication that can temporarily reverse an opioid overdose, restore breathing within two to five minutes, and allow time for medical help to arrive.
“Ontario, like the rest of Canada, is in the middle of an opioid epidemic made worse by a toxic supply of recreational street drugs,” said Monte McNaughton, Minister of Labour, Immigration, Training and Skills Development, when the program was first announced last year.
According to a report released last summer by researchers from the Ontario Drug Police Research Network (ODPRN) at St. Michael’s Hospital, one in 13 opioid-related deaths in the province between 2018 and 2020 occurred in the construction sector. The reasons behind this, say researchers, are a complicated mix of pain management, job insecurity and having nowhere else to turn.
Bars and nightclubs have also seen increased opioid usage and accidental overdoses, often because of recreational drugs laced with deadly opioids such as fentanyl and carfentanil.
For up to two years, Ontario will provide free nasal spray naloxone kits to businesses at risk of opioid overdoses through the Workplace Naloxone Program and free training needed to equip staff with the tools to respond to an opioid overdose.
Businesses can determine if they are eligible for the program and find additional information on accessing naloxone kits and training at Ontario.ca/workplacenaloxone. Once the requirement is in effect, Ministry of Labour, Immigration, Training and Skills Development’s inspectors will take an education-first approach to enforcement.
We reached out to Tushar Anandasagar and Hina Ghaus at Gowling WLG to provide some legal insight as to what this new legislation will mean for some businesses:
Q. What prompted the Province to introduce this OHSA legislation?
A. The province is recognizing that the ongoing opioid crisis is affecting workplaces across the province – something needed to be done. Opioid overdoses may be preventable or possible to delay (to an extent) – the province has adopted the role of educating employers on steps they can take to recognize and reduce the severity of overdoses. These measures also have the effect of reducing the load on the healthcare system – the province is pushing for early triage and prevention rather than escalation. We’re already doing many of the same things when it comes to allergies – for instance, many workers with severe allergies are already carrying around EpiPens. Many social changes start at the workplace – there is a good chance that we will start to see this protocol (or something similar) extending beyond the workplace. The opioid crisis is ubiquitous - we have already seen other provinces discussing the adoption of similar requirements for workplaces.
Q. Is there a possibility the free training and access to the kits could be extended beyond two years and could funding be provided by another source?
A. Definitely. Our sense is that this is just the start. There are numerous benefits associated with early prevention rather than treating severe overdose cases via the healthcare system. A stitch in time saves nine.
Q. Are workers legally required to make their employers aware they could overdose?
A. Not by operation of statute – the onus is on the employer to spot a potential health and safety issue and create systems to make the workplace as safe as possible. Of course, nothing prevents a worker from voluntarily disclosing a substance use disorder to their employer. Aside from statute, employers may be able to establish early warning systems via fit for duty policies – such a policy would require the employee to report to work while not under the influence of an impairing substance. Employers are then responsible for enforcing the policy.
Q. What kind of privacy issues come into play with this legislation?
A. An employee’s disclosure of a substance use disorder is considered strictly confidential information – the employer should be prepared to treat this information as it would any other medical information received from an employee Appropriate protections should be put in place to safeguard the information – shared with only those managers or supervisors who “need to know”. These issues, and sample scenarios, are discussed in the province’s updated guidance on naloxone in the workplace: https://www.ontario.ca/page/naloxone-workplace
Q. What are potential concerns surrounding this legislation, if any, that managers of workplaces deemed as at-risk should be aware of?
A. There are risks associated with non-compliance with the OHSA – for instance, primary liability may result if the employer doesn’t run through a naloxone kit risk assessment to determine if there is a risk of a worker overdosing at work. Every employer is required to do this. There are also risks associated with running a deficient risk assessment or ignoring risks that come to the employer’s attention – for instance, an employee self-discloses that they have a substance use issue, and the employer does nothing. Another consideration is what could possibly happen if a worker administers naloxone and the recipient has, for instance, an allergic reaction – as per the province’s current guidance, the Ontario Good Samaritan Act should kick in to relieve workers of liability when they are administering naloxone in good faith.
Q. What should be the first steps an at-risk workplace should take when it comes to introducing this program?
A. Every workplace needs to run through a naloxone risk assessment – employers may wish to engage a third party to demonstrate that they have done this, as needed. If naloxone risks are detected during the risk assessment, the employer should plan for implementation by referencing the OHSA guidance published by the province – this will necessarily mean engaging with staff, the OH&S rep, the JHSC, etc. There are specific training requirements which need to be in place, which have been referenced within the province’s guidance. As needed, the employer should also prepare to procure naloxone kits – there may be free naloxone kits available depending on the sector the employer operates within.
Q. Can workplaces not deemed ‘at-risk’ access the program?
A. All workplaces can access the Province’s guidelines and training resources. As for the free naloxone kits and on-site training, we know the Province is initially focusing on high-risk workplaces. In future we may see an expansion of the training programs and free kits to non-high-risk environments.
Q. Is it difficult to make changes to the OHSA?
A. Yes and no – some changes are met with objection from employers (and employer associations), trade unions, and other stakeholders (e.g., fine increases, doubling of limitation periods, etc.). It really depends on the type of change that is being made.
Q. How will compliance of the legislation be monitored?
A. Effective June 1, 2023, we can expect standard MOL audits for employers – they will ask about naloxone kits in the same way that they currently ask about harassment policies, etc. There may also be acute responses triggered by workplace accidents – for instance, if there is a serious workplace accident and there is some indication that substance use disorder may have contributed to the situation, the employer’s risk assessment may be called into question, and they may be found not to have complied with these new OHSA requirements if they failed to identify reasonably apparent risks. Once again, employers will need to be mindful of proving that they have undergone a risk assessment (document, document, document), particularly if they have concluded that there is no risk in the working environment. |
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The concept of a four-day work week has been gaining attention in Ontario, thanks in part to the decision by at least seven municipalities that are now offering their staff the flexibility of that option.
But the merits of such a system, which has become commonplace in many European countries including Denmark, Germany, Norway, and the Netherlands, is the subject of much debate among critics and advocates in North America.
While there are those who believe implementing a shorter work week is impossible in many sectors resulting in additional costs for overtime or hiring more staff, not to mention placing more stress on employees to get their work done in a shorter time frame, others insist such a system creates a better life balance and overall sense of wellbeing that can inspire increased productivity.
“There has been a lot of upheaval in workplaces which has opened the doors to rethinking arrangements,” says Ellen Russell, Associate Professor of Digital Media & Journalism at Wilfrid Laurier University and a labour market and economics expert.
She believes the next generation of employees may not understand the need to have arbitrary time limits placed on their work hours. “If there is not a reason then my guess is these future workers would really find it strange to be so arbitrary for no apparent reason,” says Ellen.
This is a subject Joe O’Connor, Director and Co-founder of the Work Time Reduction Center of Excellence (WTRCE), is more than familiar.
As the former CEO of 4 Day Week Global, which has been leading four-day work week trial programs with businesses worldwide, including 10 in Canada, he is a strong believer in the concept and through the WTRCE has been partnering with organizations to support their transformation to a shorter work week.
His organization is a proponent of reduced work hours schedules, not just a compressed model where employees are required to work 10-hour days four days a week.
“Arguably, post COVID-19 quality of life is now the new frontier of competition,” says Joe, adding for many workers it means more than compensation. “One of the things I have observed is the shift towards embracing shorter work weeks has happened at all three traditional layers of the organization.”
He believes business leaders have become more ‘open’ to it because they see the potential benefits in terms of attracting and retaining talent, and that many managers are more comfortable with this type of system because they are now familiar with measuring outputs rather the length of time people spend at their desk.
“For the employees, it’s really the demand effect. The value people have placed on time as a benefit has greatly increased because of what people experienced during the pandemic,” says Joe.
But he is quick to point out there is no ‘one size fits all’ solution when it comes to implementing a shorter work week.
“This is not something that should be implemented the same way from business to business, and industry to industry,” he says, adding in larger organizations work models could even vary between departments. “There will still be a need to facilitate different kinds of irregular work patterns based on business needs and employee preferences.”
Employee support is key says Joe when it comes to implementing such a drastic change, which means taking a hard look at how an organization operates, noting that introducing a shorter work week could be met with fear and skepticism.
“This is something that really works in organizations with very strong work cultures,” he says, adding going through a thorough evaluation process can galvanize a team as efficiencies are found so they can accommodate that addtional time off. “There is a real collectiveness at the heart of this and it relies on a commitment within teams and departments to find ways to change how they do things together to make it a success.”
Joe is confident within the next few years shorter work weeks will be the norm in sectors like information and communication technologies, software companies, and financial services. He also notes that two Canadian law firms, YLaw in B.C. and The Ross Firm in Ontario, have both switched to a four-day work week, something many in the legal industry deemed would be impossible due their current billing systems. Joe says YLaw accomplished this shift by finding efficiencies in its operations and the latter firm did it by implementing a fixed fee billing system.
“My prediction is that in five years’ time, this is going to be the norm in some sectors and in 10 years it’s going to be more common than a five-day week,” says Joe, adding the potential is there to implement this concept in many sectors, including manufacturing. “I think there is an opportunity here for proactive leaders and strong organizations. Now is the time to really set yourself apart from the competition.”
Pros of a four-day work week
Cons of a four-day work week
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Quiet quitting, thanks to viral posts on social media, has become a term very familiar in workplaces worldwide.
It describes the phenomenon of employees who no longer go above and beyond by doing only what is expected in effort to maintain jobs that may no longer interest or inspire them.
This disengagement from work has grown exponentially since the pandemic. In fact, the 2022 State of the Global Workplace report from Gallup shows only 21% of employees are engaged at work.
“We’ve come through such a crisis over the last couple of years. To some extent, I think we’re over it now, but it has forced people to make different decisions about work, especially if they were burnt out already,” says Frank Newman, CEO of Newman Human Resources Consulting, who will explore quiet quitting at a Cambridge Chamber of Commerce webinar Dec. 1 entitled Is Your Team Quietly Quitting?
He will not only touch on some of the top reasons why employees quietly quit as well as the warning signs but provide insight on how employers can alter their work environment so they can not only attract but, more importantly, retain employees.
“You want to make sure you create the best work environment as possible,” says Frank, acknowledging the existence of an “employees’ market” due to labour shortages. “That really means taking a very critical look at your work environment. Do you know what people need? Is it benefits? Is it better management? This is the ideal time to do an employee survey or workplace assessment to provide you with some sort of tool you can use to get a fix in terms of what are you going to fix first.”
He says this process may not prove to be a comfortable experience for some workplaces, however, insists this information can go a long way in assisting an organization set benchmarks regarding branding, image or even compensation.
“There are so many changes happening right now and if you don’t understand where you’re going or where you’re at, it’s pretty hard to make any progress,” says Frank.
He also recommends employers conduct exit interviews, formally or informally, to get a sense of why an employee has decided to leave.
“Make sure you understand what people are feeling. Also, spend some time with your newest employees and ask them what attracted them to your organization.”
Frank says in the age of social media, it’s important to encourage people who leave to remain an ambassador for the organization adding that bad reviews tend to get more traction than good ones.
“Organizations need to think about that as they manage those who are quietly quitting and those who suddenly walk out the door,” he says. “I always encourage my clients to search various job boards to see what’s being said about them.”
Frank admits it’s a tough time to be a manager right now, noting that employees have become much more critical on how their companies are managed than they were in the past.
“People looking for work have so many options out there now, and if you’re a hiring manager, it’s putting more pressure on management to get work done with less resources,” he says, noting the difficulty this causes employees who are now required to pick up the slack due to staffing shortages.
However, Frank says he’s optimistic as the economy continues to readjust following the pandemic there will be less quiet quitting.
“As companies get smarter in managing their businesses and people, I think you’ll see less of that," he says.
Work Trends Facts:
Source: World Economic Forum website |
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The word ‘diversity’ has become commonplace in most workplaces.
But according to a local expert in the field, the definition of that concept may be difficult and even confusing to pin down.
“Diversity is like the big buzz word right now and it’s a big topic that’s on everyone’s mindset,” says Dr. Nada Basir, Assistant Professor at the Conrad School of Entrepreneurship and Business at Waterloo University. “Companies are putting money into it because we all know that it’s important. But business leaders, when they think about diversity, tend to think of it on the surface level.”
As a result, she says the deep level of diversity, not just the observable points relating to gender, race, and nationality, often get overlooked.
“While we understand diversity is about differences, we sometimes narrowly focus on one type, and I think that’s where there is confusion and that’s where we need to think a little bit more outside the box.”
Dr. Basir will delve into this subject even deeper at our Women Leadership Collective Series event entitled: ‘Collaboration Between Men and Women to Empower Each Other, Inspire Each Other, and Lead Together’. During this in-person event Oct. 21 at Langdon Hall, she will explore what kind of diversity matters when it comes to producing benefits in the workplace.
“But I don’t want to make a case as to why diversity is important because we already know it’s important,” she says, noting introducing diversity in the workplace is not just about hiring or collaborating with diverse people. “It’s about the context that diversity is in and how do we make sure the teams or companies we are building are harnessing that diversity. What does it mean to have people come to the table and feel engaged and welcomed, and how do we tap into their identity-related knowledge?”
Dr. Basir says many companies may have a 50/50 split between male and female employees and feel they are doing well when it comes to promoting diversity, but this is not always the case.
“Who is making the decisions in that company? Who are in the leadership roles?” she says, explaining research surrounding motherhood show that women tend to leave the workforce more than men because they may not feel supported enough when it comes to such things as childcare or fertility issues. “We can have a diverse workplace but if the environment does not cater to it and leverage it, then what’s the point?”
When it comes to creating a diverse and collaborative workforce in a post-COVID-19 environment, Dr. Basir says companies have learned about the importance of being more agile.
“The world is complex and complicated, and things change very quickly in business since customers and stakeholders are involved in everything that’s happened and we have to keep them engaged, and it can be really costly if we don’t pay to attention to diversity,” she says.
Dr. Basir says relying on different perspectives and lived experiences can help the decision-making process at any company and hopes to convey that to participants at the Oct. 21 event.
“I hope it’s a workshop of reflection in terms of what people thought diversity was and why it’s important and maybe when they leave, they’ll have a different perspective on what diversity should look like,” she says, referring to the research she will also introduce to build a business case for diversity. “I want to talk about what do we know about diversity in terms of ROI (Return on Investment).”
To find out more, visit our Events Calendar. |
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“We’ve been researching this issue for a long time with respect to motivation and performance,” says Dr. Simon Taggar, Professor of Management in the Lazaridis School of Business and Economics, Wilfrid Laurier University, noting previous generations used expressions like ‘deadwood’ or ‘retiring on the job’ to describe the phenomenon of employees who’ve given up the notion of going above and beyond in the workplace and only do what is expected of them.
Dr. Taggar says the concept, which can mistakenly evoke images of an employee ‘slacking’ at work, really centres more on the notions of engagement and disengagement, and how committed they are to their job, using the bare minimum approach which doesn’t lead to termination.
“I think increasingly people are becoming disengaged. We’ve always had an increasing trend in disengagement,” he says, referring to a Gallup poll conducted in 2013 which indicated that only 13% of employees worldwide were actually engaged in their jobs.
In North America, that number was 30% compared to 24% in other countries like South Korea, Australia, and Japan. “The people that are disengaged are now getting a whole bunch of attention.”
While COVID-19 sparked a major economic movement in terms of job shifts and losses, Dr. Taggar says many ‘quiet quitters’ continue to stay put in their jobs – unless something they deem is better comes along - due to a sense of continuous commitment to their work. He says unlike those with a passionate commitment to do the best job they can, or even those who feel an obligation to stay, ‘quiet quitters’ approach their jobs using a more transactional rationale.
“They look at as ‘I’m here because I have to be here’,” says Dr. Taggar, noting financial and personal circumstances are mitigating factors in their decision. “It’s almost like being in jail.”
However, he says in some circumstances, having ‘quiet quitters’ on the payroll does not make much of a difference.
“There are some jobs out there that really don’t need a huge amount of motivation,” says Dr. Taggar. “The design of the job itself is the control mechanism.”
However, he says increasingly many jobs in North America now require employees to be more motivated as they navigate strategies on their own.
“Our competitive advantage in Canada is having highly educated and motivated employees having complex jobs. That’s the source of our competitive advantage,” says Dr. Taggar, noting there are many signs pertaining to those who are ‘quietly quitting’. “As human beings, we’re very good at figuring out to the degree someone is motivated or highly engaged in the workplace.”
Signs that someone may be ‘quietly quitting’ include not assisting colleagues, not being prepared at meetings, absenteeism, not going above and beyond when it comes to serving customers or staying away from company social events.
“A positive workplace climate is created by people who are passionate and want to be there and love their jobs,” says Dr. Taggar.
He says communication is key when it comes to dealing with potential ‘quiet quitters’. “No one ever enters an organization they want to be in thinking I’m going just going to be continuously committed,” says Dr. Taggar. “Humans aren’t made that way. We want to be passionate. We want to spend our lives doing something valuable that makes us feel good.”
He says it all boils down to the expectations an employee has when they join an organization, referring to such things as promises of a better work/life balance.
“When people’s expectations are not met, it’s called a breach of their psychological contract,” says Dr. Taggar, adding this breach can quickly alter someone’s passion for the job. “You’ve got to maintain people’s expectations because when you lose that trust, it’s harder to gain that trust back.”
As well, he says asking for feedback is imperative to foster a workplace culture that will keep employees engaged, noting that allowing a work culture to grow organically can create issues and misunderstandings.
“If you invest in them and make them feel like you care and are developing them, they will be committed to you,” says Dr. Jagger. “You’ve got to have that constant communication and constant culture building so people can make sense on what’s happening around them.” |
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The past two and half years has seen virtually every industry and company re-evaluate how they conduct business.
Readjusting to a post-pandemic world is at the forefront in many of their plans and strategies as they look towards operating in a different world compared to the one we had at the start of 2020.
But despite adjusting their operations in substantial ways, many may be using the same insurance coverage they adopted prior to the pandemic, not realizing that COVID-19 could lead to new risks and exposures for them.
We reached out to insurance experts Amanda Scheerer at Josslin Insurance and Shelley Sutton at Dumfries Mutual Insurance Company to share their thoughts on what businesses can do to ensure they are properly prepared.
Q. How has the pandemic changed the approach SMEs are taking when it comes to insurance coverage?
Amanda: Post-pandemic inflation has had a huge impact on valuation of buildings and equipment. Before the pandemic, it was common to adjust rebuild, or replacement cost every couple of years, but with current inflation rates we recommend that business owners review the rebuild or replacement costs listed on their policies at each renewal.
In addition to inflation, we find rebuild time after a major loss is longer. We’re seeing a few our clients increasing their indemnity period for business interruption from 12 months to 18 months. This accommodates for the extended building periods and will allow business to survive during the rebuild and keep key people from leaving for another workplace.
SMEs have to protect their assets. Insuring to limits helps to do so and the need for business interruption coverage for insured perils should be considered and weighed out. Limits are higher due to building material increases (inflation) and shortages of both materials and labour. Overall, SMEs are being more careful about understanding the coverage they have and the premiums they are paying.
Q. Does having a portion or all of staff working remotely require businesses to consider adjustments in their insurance coverage?
Amanda: If you have people working remotely as a business owner, you should ensure that company-owned assets like computers and other work-from-home equipment is covered under your insurance with an off-premises coverage extension. That extension was normal in certain industries even before 2020, but with so much company equipment now in people’s homes, it’s more important than ever to make sure your Business Insurance Liability policy has it now.
Finally, if your employees are meeting clients in their own homes, you may want to extend your liability coverage as their personal insurance will not cover them in the event a visitor is injured.
Shelley: With staff working from home comes more need for cyber security and cyber coverage if the storage of stock and equipment has changed you may need to update your agent or broker to ensure you are covered at other locations (office equipment, stock etc.). Companies need to insure equipment for off premises. If building(s) are unoccupied coverages could be void. Businesses should check with their insurer.
Q. What are some new trends when it comes to insurance coverage that businesses may not be aware of?
Amanda: As mentioned before, many of our clients are extending the indemnity period on their business interruption coverage to account for the longer rebuild times.
Because of cybersecurity concerns, many businesses are now installing multi-factor authentication on any devices that connect to their systems. They are also ensuring that any personal devices their employees use for work (bring-your-own-devices) have sufficient security on them, so they don’t infect the business systems.
Finally, more businesses are using contractors to deliver their products and they may not be aware that they need non-owned auto coverage. If a restaurant owner employed an independent delivery driver with his own auto coverage and that driver is in an accident while working, the restaurant would also be named in the claim. Having a non-owned auto extension on the business’ commercial general liability policy with protect the owner in this situation.
Shelley: As large companies double down on their efforts to protect themselves and their clients, cyber criminals are targeting smaller businesses that do not have the resources to protect themselves. Comprehensive cyber coverage for ransomware, malware, data breaches, phishing attacks, remote desktop intrusion and more is critical for today’s business whether you are an online retailer or a contractor – protecting your own information and the information of your clients is your responsibility.
Q. What are some of the common concerns or questions you’ve been receiving from businesses regarding their insurance coverage?
Amanda: The biggest concern we’ve been hearing from our clients is about the cost of rebuilding. It’s a good idea to ensure that the property and equipment values on your insurance are current. Many policies include a co-insurance clause, which limits the amount paid on a partial claim. If you’re building or contents are underinsured, you may be responsible for any shortfall.
Shelley: Saving money is high on their radar as well as having adequate limits considering rising building costs.
Q. What advice would you offer business owners when it comes to insurance coverage during the pandemic?
Amanda: If your people are working from home and your building is partially or totally vacant, please notify your insurance provider as this could void some coverages you may have. The same goes for any building owners who rent to tenants. Many are experiencing challenges in finding tenants, so please let your insurance provider know if you have vacant units to ensure you remain covered.
Shelley: We still advise clients to purchase as much liability coverage as they can afford. It is important to read your policy and understand exclusions when day-to-day operations change if you are unsure, call your broker or agent.
To learn more, visit Dumfries Mutual Insurance Company or Josslin Insurance. |
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The number of employees returning to their workplaces has been steadily increasing since the start of the year, according to stats recently published in the Globe & Mail. However, as the months pass not all may be thrilled with the notion of going back to the office.
“We are hearing mixed reviews about returning to work and that has to do with both employee preference as well as the expectations that businesses put in place prior to the pandemic,” says Peninsula Canada Account Manager Victoria Vati, adding that if a business didn’t have a working from home policy in place prior to COVID-19 not many put one in place when staff began staying home. “This created confusion for staff who have been productively working from home for the last year or two, and now they are expected to return. Many of them feel as though it is not necessary to be there in-person and are pushing back.”
“It can be tricky to navigate this area completely,” she says, noting that some businesses have found it more lucrative to have employees work from home removing the financial need for physical office space. “Others may opt for a hybrid solution because they have the resources to accommodate and support both in-house and remote workers.”
When it comes to hybrid working, the JLL (Jones Lang LaSalle) Workforce Preferences Barometer report released in June notes that from among just over 4,000 office workers surveyed in 10 countries – including Canada - this type of work model was expected by 60% of respondents, with 55% already utilizing a hybrid approach.
The report also indicated that 73% of these office workers are going into the office at least once a week, an increase of 5% compared to March of 2021.
To ensure a hybrid model works, the report states that six out of 10 employees expect to be supported with technology and financial assistance for expenses linked to remote work and outlines the need for a ‘holistic’ approach to management since 25% of those surveyed felt isolated from colleagues, with 55% stating they missed the social interactions of the workplace.
“Many employees are mentally, physically and emotionally drained from the last two years,” says Victoria, adding that many employers are also feeling ‘burned out’ trying to juggle the day-to-day issues of operating a business amid financial worries and ongoing labour shortages. “The burnout is a little different for them, but they are facing it as well.”
She says not overworking their employees and themselves is very important.
“Employee retention right now is key for all employers. It is important for employers to provide support to their staff in as many ways as they possibly can. If an employee now suffers from anxiety due to the pandemic and would like to work from home on certain days, the employer has an expectation to (within reason) explore options to assist that employee. If remote working is not possible, then providing the employee with resources and guidance on where to turn to for help is also very important.”
Working for an employer that focuses on their health has become very important to many, as outlined in the report which states 59% of employees expect to work for a company that supports health and wellbeing and now rank them as the second biggest priority, after quality of life and before salary.
“It is important for employers to evaluate and understand the needs of the business and weigh the pros and cons of remote working,” advises Valerie, noting the recent implementation of Ontario’s ‘Right to Disconnect’ legislation is a great way to build transparency and trust in these changing work environments. “By enforcing this and educating staff on what their rights are, employers can create a culture of excellence and finding what works for both the business and staff.”
Visit Peninsula Canada for more information.
At a glance (Source: JLL Workforce Preferences Barometer)
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As discussion mounts about another pandemic wave this summer, the Cambridge Chamber of Commerce is prepared to do what it can to help businesses and their employees remain safe.
Since the beginning of April 2021, the Cambridge and Greater Kitchener Waterloo Chambers have been working with Health Canada and the Province on a pilot program to provide free rapid antigen self-screening kits to small and medium-sized businesses throughout Waterloo Region.
That program – open to all SMEs not just Chamber Members – continues this summer and as of June more than 1.2 million kits had been distributed to more than 9,100 businesses in our area. This translates into screening kits being provided to approximately 151,000 individuals which in turn aims to help curb transmission of the virus in the community.
“We must always be ready. We need to accept the fact there is a ‘new normal’ and that consistency in our environment is not in our favour any longer,” says Cambridge Chamber of Commerce President & CEO Greg Durocher. “We need to ensure our business and ourselves are nimble, prepared, and strategic.”
Like many public health agencies in Ontario, through wastewater testing the Region of Waterloo Public Health has detected an increase in positivity rates indicating an increase in COVID-19 activity.
In a recent edition of the Waterloo Record, Region of Waterloo Public Health’s Sharon Ord is quoted as saying: “Although the wastewater signal — up to June 25, 2022 — is dominated by Omicron subvariant BA.2.12.1, the BA.4 and BA.5 subvariants are increasing in Waterloo Region.”
According to health experts, these subvariants are the most transmissible variants of Omicron and can evade the immune system in previously infected individuals.
For this reason, Greg is urging businesses to ensure they are well stocked with screening kits in effort to provide as much protection as possible to their employees and customers.
“Don’t dismantle your plexiglass dividers just yet or toss out your hand sanitizer. Ensure you have access to a good supply of masks to keep you, your employees, and your customers safe, which in turn will keep your business safe,” he says. “We are so very close to finding our way out of this so let’s not blow it now. The ‘new normal’ is here to stay. Let’s be prepared, always.”
The program was expanded by the Ontario Chamber of Commerce network to Chambers provincewide soon after it launched here.
In Waterloo Region, businesses can order kits by visiting chambercheck.ca. |
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Brian Rodnick 176 December 2, 2023 |
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Greg Durocher 41 July 28, 2023 |
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Canadian Chamber of Commerce 24 January 29, 2021 |
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Cambridge Chamber 2 March 27, 2020 |