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 »

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


On March 5, 2015, the Canadian Radio and Television Commission (the CRTC, the main agency charged with administering and enforcing most of CASL) handed out its first penalty under Canada’s Anti-Spam Law (CASL): a $1.1 million administrative monetary penalty to Compu-Finder. The penalty makes it clear that when it comes to CASL violations, the CRTC won’t mess around – and neither should those subject to it.

Tags: Canadian Anti Spam Legislation, CASL, internet, legislation

Steadman v. Corporation of the County of Lambton

On January 16, 2015, the Ontario Superior Court of Justice released its decision in the case of Steadman v. Corporation of the County of Lambton. The Court ruled in favour of the Steadmans and awarded a total of $107,352 in damages for the depreciated value of their property and crop losses from 1998 – 2013. The Court found that the damages stemmed from the County’s use of road salt along a road that borders the Steadman’s farm. The County was found liable in nuisance.

Tags: court decisions, Minister of Municipal Affairs, Municipal Act, Ontario, road side drainage, culverts, road salt concentrations, snow fences

CASL Software Installation Sections - Legal Update

On January 15, 2015, the software installation sections of Canada's Anti-Spam Legislation (CASL) took effect.  CASL's software installation sections impose equally broad and onerous procedural requirements for entities installing computer programs on computer systems.

Tags: Canadian Anti Spam Legislation, CASL, electronic message, email, legislation, liability, Spam

Risk Management Considerations for Preventing Medication Risks

Medical malpractice insurance is an essential requirement for all healthcare practitioners. But since many of us are not doctors we don’t think much about it. However, as the incident below illustrates, medical malpractice liability can come in various forms.

Tags: claim study, malpractice, medical, medication, risk management

Claim Case Studies & Legislation for Residential Facilities: Properly Training Staff

One of the most important things a disability support organization can do is properly train their staff. Improper or insufficient training can lead to unnecessary claims, especially when policies and procedures are not in place or not followed.

Tags: claim study, residential facility, staff training

Claim Case Studies & Legislation for Residential Facilities: The Importance of Staff Communications

When dealing with special needs clients, it is imperative that staff communicate and document on a regular basis. Open communication and accurate records can help mitigate the chance of high risk incidents and inappropriate behaviours going un-checked.

Tags: claim study, communication, documentation, residential facility, staff communication

Claim Case Studies & Legislation for Hidden Dangers at After-School Programs

Children love to play. It’s how they learn and expend energy. It’s also how they view the world. Many adults can attest to seeing children making drums out of pots and pans, or turning the couch into a fort. When it comes to facilities for children, their minds are no different. What to us might seem like a piece of equipment to them is a new toy to be explored – sometimes with disastrous consequences.

Tags: after school programs, equipment, facility, injuries, program