Each year we include a reminder in your renewal documents about this incredibly valuable (and FREE) benefit, but thought a separate reminder might be a good idea.  Please reach out to your Business (P&C) broker to double check.

Plan or Benefit Administrator Liability coverage is a “Rider” to your business liability (CGL) policy.  It provides coverage in the event an error or omission being made in the administration of the benefit plan (e.g. an employer fails to enrol a new hire and a death, disability or health event then occurs).  I’ve included excepts from a copy of my policy to illustrate what the coverage looks like.

Please reach out to your Business (P&C) broker to double check that you have this rider.  It should not cost anything to add it (for groups under 500 employees), but if they say it will, I can connect you with a broker that can provide a competitive quote that will include it at no charge.  Just ask.

On April 1, 2025, the Government of Ontario announced that the general minimum wage will increase from $17.20 per hour to $17.60 per hour effective October 1, 2025. This change applies to most employees but not all.

Some exceptions include:

• Students under the age of 18 who work 28 hour or less per week while school is in session or those who work during a break or summer holidays will be entitled to a minimum wage of $16.60 per hour effective October 1, 2025.
• Hunting, fishing, and wilderness guides will see an increase to $88.05 for working fewer than five consecutive hours in a day or $176.15 if they work five or more hours in a day, regardless of whether the hours are consecutive. This change is effective October 1, 2025.
• The homeworkers minimum wage will increase to $19.35 per hour. This includes students of any age who are employed as homeworkers. This change is effective October 1, 2025.

(content from E2R)