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.


Municipalities can now use Snowman, a web-based portal, to track and record the weather via the Risk Management Centre of Excellence. This service can help Canadian 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 »

Policies and Procedures for Whistleblowers

This sample Whistleblower Policy can help your organization foster and maintain an environment where employees can work safely and appropriately, without fear of retaliation.

Tags: policy, procedure, whistleblower

Risk Management Consideration: Know What You Are Signing

Reviewing contracts and being aware of what risks or liability you may be assuming or not appropriately transferring should be a part of every organization’s risk management program.

Tags: contract, agreement, RMC, risk transfer, liability, insurance, certificate

No Liability for Potholes

The Ontario Superior Court of Justice recently dismissed an action against the Municipality of Dutton/Dunwich (the “Municipality”) for failing to maintain a gravel roadway in a claim arising from a motor vehicle accident.

Tags: potholes, road liability, claim, McLeod

Tobacco-Free Recreation: Challenges and Realities

The ORFA recommends that all members consider updating their current “No Smoking Policies” to include other forms of tobacco use and to ensure that current policies continue to meet the requirements of the law and the
expectations of users.

Tags: ORFA, RMC, smoking, Smoke Free Ontario Act, Health Canada

Risk Management Considerations for Business Interruption

When analyzing your business operation, one area of concern is how you would handle your operations if it is interrupted by an unplanned event or occurrence. Your goal should be to make sure you have systems and procedures in place if there is an interruption.

Tags: RMC, insurance, business, interruption, coverage

Your Indemnity Clause Means What It Says: No Mulligans Allowed

The plaintiff in the underlying action was a passenger in a golf cart operated by a fellow guest at a golf tournament hosted by the Canadian Litigation Counsel Inc. (“CCLI”). The plaintiff was injured while a passenger in the golf cart and sued the operator and the owner of the golf course, Clublink Corp. Clublink Corp. claimed over against CCLI seeking to be indemnified pursuant to their agreement.

Tags: contract, indemnity, Gowlings, legal, indemnification, Supreme Court, claim study

Risk Management Considerations for Security Systems

The broad definition of a security system includes any various means or devices designed to guard persons and property against a wide range of hazards, including crime, fire, accidents, espionage, sabotage, subversion and attack.

Tags: security, building, facility, crime, theft, burglary, surveillance

Risk Management Considerations for Affiliation and Placement Agreement Clauses

An affiliation agreement should be requirement for all schools who wish to have their students participate in a practice education experience with your organization.

Tags: RMC, contracts, agreements, affiliation, indemnity, insurance clause

Risk Management Considerations: What Can We Learn from Deering?

As far back as 1915, the courts have recognized that the standard of care a municipality takes with their roads should adapt with the changing conditions and times. As the use of the road changes, so must the nature of your maintenance and repair. Part of your duty to the ordinary driver should include road assessments and safety measures built into your road rehabilitation projects.

Tags: auto, roads, RMC, Deering, claim