Frank Cowan Company
Risk Management Centre of Excellence

Frank Cowan Company Risk Management Centre of Excellence is an online resource created by Frank Cowan Company to provide our clients with the information and tools you need to manage the various risk issues you face on a daily basis.

The site has two access levels; Guest (limited access) and Unrestricted for our broker partners, clients and associates.

Available 24/7, 365 days a year, it’s an online resource you can’t be without.


Monitor and track the weather via, a web-based weather monitoring platform. Free access to forecasting by Environment Canada with reporting and verifications to assist with documenting actions as they relate to the weather. This service can help Ontario municipalities to manage best practices related to the weather.

For more information, please email Barb Szychta:


Claims don’t always occur during regular business hours. When you need help, we’ll be ready.
We understand that claims don’t occur during regular business hours, that is why Frank Cowan Company clients have access to an after hours claims services. This is just another way we make it easier for you to work with us and provide you with best customer service possible.

Call 1-866-287-4971 for after hours claims assistance.


Recent AdditionsView Resource Library »

Maintaining Safe Swimming Pool Indoor Air Quality

The potential harmful air quality at indoor swimming pool natatoriums has been an issue and concern raised by ORFA aquatic professionals for many years. The ORFA Aquatic Technical Advisory Committee (ATAC) has recommended the creation of a guideline on the topic as a priority. The ORFA reminds readers that authors are not an authority on the topic of indoor swimming pool air quality, but feels confident that through a basic understanding of the issue and what steps can and should be taken for the reduction of elevated toxic air conditions, that the potential for worker or user exposure risk to this potential workplace hazard can be significantly reduced.

Tags: ASHRAE, chloramine, health, health and safety, indoor air quality, irritants, ORFA, pool, pools, regulations, risk management, safe, swimming, toxic, ventilation, Regulation 565

Risk Management Considerations for Spray/Splash Pads

Splash pads are a fun aquatic addition to any neighbourhood park. They are a great place for children of all ages to beat the heat in a fun and safe way. Parents don’t have to worry about their children swimming in deep water, or their swim level. There are no life jackets or floaters required. Even parents have been known to have some fun with their children to cool off.  This article discusses Best Practices for owner/operators of recreational water spray/splash pads.

Tags: aquatic, aquatic facilities, Pad, recreation, risk management, safety, Splash, Splash Pad, Spray, Spray Pad, water

Claim Case Studies & Legislation - Sandbox Maintenance and Documentation

The importance of accurate documentation should be part of all staff training including part time and seasonal employees. Instructions should be included in all manuals. Train staff on the importance of these documents, how they are to be completed and when they are to be completed.

Tags: document, documentation, inspect, inspection, Maintenance, park, parks & recreation, playground, policies, policy, procedure, public works, risk management, sandbox

Policy & Procedures for Bring Your Own Device

Corporate IT departments face two challenges when contemplating a Bring Your Own Device (BYOD) policy: a mix of corporate and employee owned devices accessing the organization’s network and data, and the use of those devices for both professional and personal purposes.

Tags: BYOD, bring your own devices, cyber liability, cyber risk, network liability, network risk, mobile devices

Risk Management Considerations for Marinas

Typically, a marina will consist of full time and seasonal employees. With this in mind, there are some considerations to be observed.

Tags: boating, dock, marinas, risk management, wharf

Marina Inspection Form

With this inspection form, you can keep a record of what areas of your marina were inspected and when they were inspected.

Tags: boating, dock, inspection, marinas, risk management, wharf

Checklist for Marinas

This checklist will help you inspect and keep track of your marinas, frequency of inspections and track actions required and actions taken.

Tags: checklist, dock, inspection, marinas, risk management, boating, wharf

Risk Management in Action: Tobogganing as Municipal Liability?

Although tobogganing is a favorite Canadian pastime, it can also be a very dangerous activity. Every year people are injured sledding down hills in municipal parks, streets, and resort areas. Some of these injuries result in costly litigation. The incurred cost of litigation has led some Canadian municipalities to ban tobogganing on municipal property. The municipality has a duty, as an occupier, to keep the property in a safe condition to accommodate its intended purpose. In order to ensure safety on sledding hills, there are a number of steps that can be taken to reduce the risks and resulting liability through effective risk management.

Tags: activities, hills, insurance, lawsuit, liability, litigation, park, risk management, snow, toboggan, tobogganing, winter

Risk Management Considerations for Wood Working, Auto and Tech Shop Standards for Schools

Technological studies such as wood working and auto mechanics offer students valuable skill. But these classes can come with many inherent dangers. Schools and instructors have the difficult task of providing the required Duty of Care owed to the students which includes proper supervision, instruction on the equipment, instruction on how to protect themselves and instruction on how to work safely.

Tags: auto, premises, risk, safety, school, standards, student, teacher, wood working

Risk Management Considerations for the use of ‘Drones’

The word ‘drone’ is a catch-all term that refers to any vehicle that can fly without a person on board to control it. The exclusion to the all-encompassing term is ‘model aircraft’ which are strictly for recreational purposes and not covered by regulation. Drones come in various shapes and sizes and have a wide range of options and pricing. They can have high resolution cameras and sensors, be fixed wing or helicopter type of design. Drones run time varies from a few minutes up to four hours for the higher end models. Speeds in excess of 60 mph are available in some models.

Tags: aircraft, Drones, hazards, liability, public safety & transportation, risk management, transport, Transport Canada