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Insights by Michael Malfa
Articles and expert advice from Michael Malfa on commercial insurance, risk management, and business protection.
Concrete Contractors in Ontario: The Coverage Gaps That Surface After a Pour Goes Wrong
10 min read
If you run a concrete contracting business in Ontario and a slab cracks, a foundation shifts, or water backs up through a freshly poured floor, the first question your insurer asks won't be "what happ...
Cyber Liability Insurance for Ontario Small Businesses: What a $50K Breach Actually Costs
9 min read
You run a small business in Ontario, and a cyberattack just locked you out of your own systems. Your customer data is exposed, your operations are frozen, and the phone is already ringing with questio...
Retail Break Ins and Theft in Ontario: How to Protect Your Store and Your Insurance
9 min read
Retail theft hurts. A closure hurts more. A break in can wipe out inventory, damage your storefront, and shut you down for days. Even if you recover the merchandise later, you still deal with repairs,...
10 Trends to Grow Your Small Business in 2026 in Ontario and Canada
6 min read
Running a small business in Ontario in 2026 means competing on speed, trust, and resilience. The best growth plans are practical. They focus on cash flow, customer acquisition, hiring capacity, and ri...
Product Recall Insurance in Ontario and Canada: What It Covers, What It Does Not, and Who Needs It
7 min read
If you manufacture, import, distribute, or sell products in Ontario, a recall is not only a safety event. It is an operations event. Your biggest costs usually come from stopping shipments, pulling pr...
Certificate of Insurance (COI) in Ontario: What It Is and When Your Business Needs One
6 min read
A Certificate of Insurance, usually called a COI, is one of the most common documents Ontario businesses are asked to provide. Landlords request it before you get keys. Clients request it before you s...
Surety Bond FAQ: How Contractors Can Avoid Bond Claims
6 min read
Risk Management Guide for Canadian Contractors Most bond claims are preventable. Strong project management, clear subcontract agreements, and proactive risk management all reduce the chance a claim is...
Real Estate Claim Scenario: Tenant Fire Causes Major Property Damage
5 min read
Commercial Property Insurance: A Tenant Fire Claim A tenant-caused fire can generate three separate financial crises at the same time. It creates immediate repair costs, cuts off rental income, and ex...
Bond Claim Scenario: Contractor Default on a Construction Project
5 min read
Performance Bond Claims: A Contractor Default Guide Contractor financial distress does not only harm the contractor. It creates an immediate crisis for the project owner, the subcontractors on site, a...
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