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In today&rsquo;s digital world, staying connected has never been easier, but neither has falling victim to online scams. From phishing emails to fake websites, cybercriminals are constantly finding new ways to trick people into sharing personal information or sending money. The good news? A little awareness goes a long way. By knowing what to watch for and taking a few simple precautions, you can protect yourself and your family online. Common Warning Signs of a Scam Scammers rely on urgency, confusion, and trust to get what they want. Recognizing the red flags is your first line of defence.
<ul>
<li>Be cautious of messages from unknown or unexpected senders. Even if a message appears to come from someone you know, it&rsquo;s worth verifying&mdash;especially if it involves money. Accounts can be compromised, and scammers often impersonate trusted contacts. </li>
<li>Take a close look at links before clicking. Hover over them to check if the destination matches what&rsquo;s displayed. If a link looks suspicious or unfamiliar, don&rsquo;t click it. </li>
<li>Another major red flag is urgency. Messages claiming your account will be locked, a payment will be cancelled, or you must act immediately are designed to make you panic and react quickly before you have time to think.</li>
<li>You should also be wary of requests for sensitive personal information. Legitimate organizations will not ask for passwords, banking details, or personal identifiers via email, text, or unsolicited calls</li>
</ul>
Understanding Common Types of Scams Scams come in many forms, but most fall into a few common categories.
<ul>
<li>Phishing is one of the most widespread. It involves emails or messages that appear to come from legitimate organizations, asking you to click a link or provide personal information. </li>
<li>Vishing (voice phishing) happens over the phone. Scammers may use technology to make their calls appear as though they&rsquo;re coming from trusted businesses. </li>
<li>Smishing uses text messages to achieve similar goals&mdash;often including links that lead to fraudulent websites. </li>
<li>Pharming is more technical, redirecting users from legitimate websites to fake ones without their knowledge.</li>
</ul>
While the methods vary, the goal is always the same: to gain access to your personal or financial information. Practical Steps to Protect Yourself Protecting yourself online involves a few mindful habits.
<ul>
<li>Start by keeping your devices secure. Use up-to-date antivirus software, ideally with anti-phishing protection, and run regular scans to catch any potential threats early. </li>
<li>Use strong, unique passwords for each account. Reusing passwords makes it easier for scammers to access multiple accounts if one is compromised. </li>
<li>Be cautious when using public Wi-Fi. Open networks can be exploited to intercept your information. If you must use them, avoid logging into sensitive accounts. </li>
<li>It&rsquo;s also important to avoid downloading files or software from unknown sources. Pirated content and peer-to-peer downloads are common entry points for malware. </li>
<li>And when in doubt, leave the site. If something doesn&rsquo;t look right&mdash;whether it&rsquo;s the design, the URL, or unexpected pop-ups&mdash;exit immediately.</li>
</ul>
Staying Safe on Social Media Social media platforms can also be a gateway for scams if you&rsquo;re not careful.
<ul>
<li>Avoid sharing too much personal information, such as your birthdate, home address, or travel plans. These details can be used for identity theft or targeted scams. </li>
<li>Be selective about who you connect with. Accepting friend requests from strangers can open the door to malicious activity. </li>
<li>Think twice before clicking on quizzes, surveys, or links that seem harmless. Many are designed to collect data or install malware.</li>
</ul>
A good rule of thumb: if you wouldn&rsquo;t be comfortable sharing something publicly, don&rsquo;t post it. Smart Habits for Online Shopping Online shopping is convenient, but it also comes with risks if you&rsquo;re not careful.
<ul>
<li>Stick to secure websites. Look for &ldquo;https&rdquo; in the URL and a padlock symbol in your browser. Take an extra moment to confirm you&rsquo;re on the correct site, especially when entering payment details. </li>
<li>Whenever possible, use a credit card instead of a debit card. Credit cards typically offer better protection against fraud. </li>
<li>You can also consider using virtual or single-use credit card numbers for added security. These temporary numbers protect your actual account information during transactions. </li>
<li>Before making a purchase, check reviews and read the retailer&rsquo;s return and privacy policies. If anything seems unclear or questionable, it&rsquo;s best to move on.</li>
</ul>
What to Do If You&rsquo;ve Been Targeted Even with the best precautions, mistakes can happen.&nbsp;
<ul>
<li>If you think you&rsquo;ve clicked a suspicious link or downloaded something harmful, run a full antivirus scan immediately. </li>
<li>If you&rsquo;ve sent money or shared financial information, contact your bank or financial institution right away. The sooner they&rsquo;re aware, the better chance you have of minimizing the impact. </li>
<li>If your accounts may be compromised, change your passwords immediately starting with your email, as it&rsquo;s often the gateway to other accounts. </li>
<li>If you&rsquo;ve shared personal information, consider monitoring your credit cards and taking steps to protect your identity.</li>
</ul>
Online safety doesn&rsquo;t have to be complicated. By staying alert, questioning what you see, and taking a few proactive steps, you can significantly reduce your risk. Remember: if something seems too good to be true, it probably is. And when in doubt, pause, verify, and protect yourself.

Staying Safe Online: Simple Ways to Protect Yourself from Scams

Managing Risk

Hot Topics

It&rsquo;s often said that change must come from the top down. But in corporate giving, the most meaningful impact often happens when employees lead the way. Rather than simply writing an annual cheque to a cause, companies can empower employees to play an active role in giving back and creating positive change.&nbsp; One effective way to do this is through an Employee Impact Fund&mdash;a dedicated pool of funding that supports employee-led volunteer and community initiatives. This type of fund flips traditional corporate giving by enabling employees to identify causes they care about and request support to bring those initiatives to life as a team. The impact of employee-led giving&nbsp; Employee Impact Funds matter on multiple levels. For communities, they support grassroots, local initiatives and ensure that funding and volunteer efforts are aligned with real community needs. Meanwhile, employees benefit from the opportunity to build ownership, pride, and purpose with their volunteer activities.&nbsp; In addition, Employee Impact Funds encourage leadership, collaboration, and active participation. They reinforce values in a tangible way and provide a clear framework for achieving meaningful community impact. They&rsquo;re also an effective way to strengthen the employee experience and boost engagement.&nbsp; As Arun Sridharan, senior manager at Sovereign Insurance in Ontario, observes, &ldquo;Combining team building with meaningful volunteering brings us closer and boosts engagement.&rdquo;&nbsp; In fact, a Deloitte survey found that 91% of employees believe volunteer opportunities can have a positive impact on their overall work experience and connection to their employer, while nearly half (49%) report it helps them build connections with their colleagues. Notably, the survey points to a ripple effect of workplace volunteer opportunities, with 90% of respondents saying these initiatives led them to participating in additional, independent volunteering activities, whether through the same organization or others in their communities.1 &nbsp; &nbsp; How Sovereign puts community giving into practice&nbsp; Sovereign Insurance has embraced this employee-led approach, with team members making a difference in their own communities. Sovereign&rsquo;s Employee Impact Fund supports a range of initiatives, from volunteering with local organizations to organizing team-based activities and in-office community drives.&nbsp; In 2025, Sovereign employees completed 2,083 volunteer hours and donated over $39,000 to local organizations and initiatives. Across the country, team members are rolling up their sleeves and supporting causes they care about. Here are just a few examples:
<ul>
<li>In Calgary, Sovereign employees volunteered at the Children&rsquo;s Cottage Society and donated $2,500 to help the organization support children and families in crisis. </li>
<li>In Vancouver, Sovereign employees got involved at Union Gospel Mission (UGM), which helps those experiencing homelessness, poverty, and addiction. The team sorted donations and contributed $2,000 to support families across the Lower Mainland. </li>
<li>Sovereign&rsquo;s Winnipeg office&mdash;along with two valued broker partners&mdash;volunteered at Harvest Manitoba and donated $2,500 to help feed hungry families. &nbsp;</li>
<li>In Toronto, Sovereign staff volunteered at Covenant House Toronto, which supports young people facing homelessness and survivors of trafficking. The team donated $3,500, sorted donations and served food to those in need.&nbsp;</li>
</ul>
Ultimately, an Employee Impact Fund offers organizations a practical way to turn purpose into action. Making this shift does start with a decision at the top, but once a fund is in place, employees take the lead in supporting causes they care about in their communities.&nbsp; Getting started with an Employee Impact Fund&nbsp; Organizations looking to deepen community connections and empower their people can start by exploring how an Employee Impact Fund can support both employee engagement and meaningful local impact. A few key elements to establish include:&nbsp;
<ul>
<li>Clear guidelines to ensure fairness and manage expectations.</li>
<li>Defined focus areas aligned with organizational values.</li>
<li>A simple application and review process.</li>
<li>Integration with volunteer days to encourage hands-on participation.</li>
<li>Clear communication so employees understand how and when to apply.</li>
<li>Regularly celebrating and acknowledging employees&rsquo; efforts to use the fund and volunteer their time in meaningful ways.</li>
</ul>
For employees, Sovereign&rsquo;s Jeanne MacDonald shares this advice on where to start when looking for places to volunteer and donate: &ldquo;There are so many places you can volunteer. Find something you&rsquo;re passionate about&mdash;animals, seniors, kids&mdash;and reach out to local organizations. There&rsquo;s always a way to make a difference.&rdquo;


Sources 1 PR Newswire, &ldquo;<a href="https://www.prnewswire.com/news-releases/deloitte-survey-workplace-volunteer-opportunities-can-unlock-a-greater-sense-of-connection-and-a-more-positive-work-experience-for-employees-302162157.html" title="" target="_blank" rel="noopener">Deloitte Survey: Workplace volunteer opportunities can unlock a greater sense of connection and a more positive work experience for employees,</a>&rdquo; June 4, 2024.

Employee Impact Funds: Empowering Employees to Lead Community Change

Purpose And Impact

From passwords to social media and AI safety, help your kids with the skills they need to stay safe in today&rsquo;s digitally connected world.
Whether it&rsquo;s staying protected on social media, maintaining secure logins for school accounts, or understanding how to recognize trustworthy content, kids who develop smart digital habits feel more confident and less stressed. Teaching cyber skills isn&rsquo;t only about safety &mdash; it&rsquo;s about giving kids the independence to thrive in today&rsquo;s digitally connected world. Here are a few ways to help your family build digital confidence: Practice safe social media habits&nbsp; Having open conversations about social media safety helps your kids build healthy habits and reminds them they can always come to you if something feels wrong. Try starting with these prompts:
<ul>
<li>Review privacy settings and limit the amount of personal information shared publicly.&nbsp;</li>
<li>Be cautious with friend requests or messages from people you don&rsquo;t know.</li>
<li>Think twice before posting anything that could affect your safety or reputation.&gt;/li&gt;</li>
<li>Customize sharing settings so that posts and photos stay within your inner circle. Many sites allow you to group friends into categories for added control.</li>
<li>Talk about cyberbullying. Reinforce why it&rsquo;s harmful and encourage kids to tell a trusted adult if they ever feel targeted</li>
</ul>
Recognize AI-generated or manipulated content Is this real? It&rsquo;s a simple question, yet a powerful way in helping kids think critically about what they see online. Encourage them to stay alert for deepfakes, voice cloning, and scams by watching for red flags such as unnatural facial movements in videos, distorted audio, or overly vague, generic language.&nbsp; Have open conversations about AI-powered devices and apps. Review privacy settings together, set up parental controls where appropriate, and remind kids not to share personal information with chatbots, games, or smart toys. As technology continues to evolve, make it a habit to check in regularly. These ongoing conversations will help your children build confidence in spotting trustworthy content and staying safe online. Create Strong, Unique Passwords Yes, this one might draw an eye roll, but strong passwords are one of the most important protections online. 
<ul>
<li>Protect your account with passwords that cannot easily be guessed. Make sure they are at least 8-10 characters long and include a mix of letters, numbers, and symbols.</li>
<li>Consider using a reputable password manager to securely store and manage login details.</li>
<li>Do not use the same password for multiple apps and sites.</li>
</ul>
Be Mindful of Downloads and Links Between homework apps, online shopping, and even school emails, kids are constantly asked to click, download, and share information. Teaching them how to pause and check before they act is an essential safeguard.
<ul>
<li>Only download software, apps, or files from trusted sources, such as official app stores or reputable websites.</li>
<li>Watch out for suspicious emails or messages. Criminals are known to phish by sending communications to your inbox hoping that you will respond by sending information or clicking on a link that will install malware. Delete any communications from unknown sources.</li>
<li>If you suspect a website is not what it claims, leave it immediately. Do not click or run any content or software.</li>
<li>Shop only on secure sites. Look for websites with &ldquo;https&rdquo; in the URL and a padlock in the browser bar. Click on the lock to review the site&rsquo;s digital certificate.</li>
</ul>
Keep Your Devices Updated
This step may require a little hands-on help. Make sure all family devices, including smartphones, laptops, and tablets, are regularly updated with the latest security patches and software updates. These updates often contain fixes for known vulnerabilities that cybercriminals may exploit. Setting devices to update automatically is an easy way to stay protected.&nbsp; When you talk about cyber safety, you&rsquo;re not just protecting your kids, you&rsquo;re building trust. A few open conversations and safe habits can make a big difference in helping your kids feel supported, secure, and ready to take on the school year.

Stacey Paerg

Underwriting Specialist, Commercial Lines