When you purchase workers compensation insurance for your business it is important to remember that your employees won’t be contributing to the premiums. This is one expense that employers are required by law to bear all by themselves.
That also means that if you want to get a good deal on this essential insurance coverage all the work will have to be done by you. Depending on your jurisdiction, workers com rates may or may not be predetermined. Even in regions where they are predetermined, however, calculating exact premiums is not a totally cut-and-dry process, and quotes may differ depending on a broker’s approach. That’s why it’s always a good idea to get quotes from three different brokers, regardless of your province or state.
Also keep in mind that once you buy workers comp coverage, it is not unheard of to be mistakenly overcharged. That’s why you should make routine checks to ensure that your employees are classified correctly, and that your business is being charged the correct amount for each employee. If rates ever go up unexpectedly, it’s up to you to look into the situation and get an explanation as soon as possible.
Finally, if you want to keep premiums down, it’s a good idea to make a habit of providing a safe and healthy environment for your employees. That’s the best and only way to keep your record clean, and prevent claims against your policy.
Civil Forfeiture and the Standard of Proof
Unlike criminal proceedings, where an accused person must be presumed innocent until proven guilty and only punished once their guilt has been proven beyond a reasonable doubt, civil forfeiture proceedings operate on the balance of probabilities, meaning that the state must merely demonstrate that an individual has probably done something illegal in order to obtain forfeiture of their property.
The Right to Counsel in Canada
Section 10(b) of the Canadian Charter of Rights and Freedoms preserves the right of a detained individual to contact counsel immediately upon arrest or detention, and simultaneously imposes a duty upon police to immediately inform individuals that they have this right.
Democratic Rights: A Broad Charter Guarantee
Summary: In Canada, the right to vote and participate in provincial and federal elections is robustly protected under Section 3 of the Charter of Rights and Freedoms. This article delves into the nuances of this protection, highlighting key legal interpretations and decisions that underscore the strength of democratic rights in Canada, contrasting it with other freedoms that face more limitations.
