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As a small to medium-sized business owner, chances are you wear many hats. From admin to finance, marketing to cyber security, your hands are full at all times. As more companies become reliant on digital processes, it presents a risk of cyber threats.

As many businesses continue to adopt digital strategies for growth, some have turned to eCommerce distribution channels, such as Amazon or Etsy, to go direct to consumers and boost sales.

Like many festival managers, insurance is likely on a high-priority list of things to acquire before soundcheck. However, many managers, including Dauphin's Countryfest in a recent article in a recent CTV News, have expressed that obtaining coverage for the event was "an uphill battle." As festivals enter a new time of securing insurance, we spoke with Matthew Leishman, branch manager of Gifford Carr Burlington, to understand the intricacies of festival insurance.

Seasonal slowdowns are one thing but when your revenue drops to zero unexpectedly, everything you have worked to build may be at risk. Fortunately, business interruption insurance could help. Understand how it works and if it makes sense for you talk to your broker more about it.