AI and Productivity Apps for Small Business


Productivity Apps to be thankful for this Thanksgiving

While we love turkey as much as the next pond resident, we believe there is a lot more to be thankful for; family, health, a prosperous business and smartphones!  With Google and Apple bringing out new devices faster than you can say “hop to it”, its hard to keep track of all the great capabilities – it’s almost as complex as insurance!  That’s why we’ve compiled some terrific information about the various types of productivity apps that help boost efficacy of those who have a lot to do and little time to do it.

  • Personal assistant:

For iOS phones, there is Siri. Siri is Apple’s A.I. assistants and is the most well-known app of its kind. Siri can make reservations to restaurants for you; can do all commonly processed equations; can post on your social media simply by telling her what to say; and more. For Windows phones, there is Cortana. Cortana is Microsoft’s offering and is based off of the A.I. assistant character of the same name from their critically acclaimed Halo video game series. Cortana can match human speech with realistic tonal inflections and even sing; set reminders for people (as well as locations); perform remote actions on your PC, and more.

  • Note takers

Microsoft has created a very robust note taking app that goes by the name OneNote. OneNote can do video & audio recording, note templates, real-time note sharing capabilities, and more. This frequently updated application as well, leading there to be a constant influx of new features. OneNote is available for all platforms and is entirely free.

  • Task managers

One great task manager is named 30/30. 30/30 is an app where you set up a length of time for each task.  The app starts a timer, and tells you when to move from one task to the next. This forces you to correctly utilize your time when you set it by letting you know what you should be doing and how much time you have left in order to complete it. The app is unobtrusive and sports a clean UI that uses gestures instead of a button. It also has other very useful features such as synchronization among all iCloud devices and stackable lists.

  • Cloud storage

There are several cloud storage options, however not all of them are focused on the end-goal of increasing productivity. On the side of cloud storage apps that are productivity-focused Google Drive is a strong option. Google Drive is very useful because it not only provides storage, but also connects to Google Docs. This allows you to view, edit, and share documents for viewing and collaboration online easily; all the while being interconnected to a fast and safe cloud storage option..

  • Increasing self productivity

Eternity time log is an excellent example of a self productivity application; note that it is iOS exclusive however. Eternity time log tracks how you spend your time and gives you analytics for you to better understand your productivity. You can use this data to make adjustments and improve yourself. This app is able to be connected and synchronized to cloud services through the use of add-ons as well.

  • Automation

Macrodroid is an Android app that allows you to make your own macros to customize your smartphone experience and speed up operations on your phone. The app can make your phone do quick media uploads, read text, and more through custom set actions.

Last Minute Travel Insurance


Last Minute Travel Insurance?  Bullfrog Will Get You Covered

With all the activity that the fall season brings its easy to get preoccupied with planning for the Thanksgiving long weekend — the food, the family and friends.


For many of us Thanksgiving also means travelling.  If you’re heading out of town this weekend, make sure you’ve purchased your travel insurance. If you’ve left it till the last minute, don’t worry – with Bullfrog Insurance you an get travel insurance coverage online in minutes so you don’t have to worry if its after-hours.   Accidents and illnesses often strike us at the most inconvenient of times, and the last thing you want is an unexpected medical bill during a vacation.


Partnering with Canada’s leading provider of travel insurance, SecuriGlobe, Bullfrog Insurance offers you fast quotes on a wide selection of travel insurance products. Representing up to 14 of Canada’s largest insurance providers, you can have peace of mind and enjoy your long weekend, knowing we’ve got you covered.

Visit us today at Bullfrog Insurance to experience unprecedented convenience and customer service anywhere – anytime!

Mobile Business Insurance: Another Bullfrog Insurance first for Canada

insurance on smartphones


Bullfrog is now available from smartphones

Bullfrog Insurance is Canada’s first online brokerage for small business insurance where you can get a quote and buy business insurance online in 90 seconds. We help you protect your business without having to divert a lot of time from running your business.

Our website makes it easy to understand the best coverage for your industry and – should you need any assistance – we have knowledgeable agents ready to chat or have a call with you from 8am to 8pm EST.

Today, we continue to lead with our commitment to helping small businesses and continuing to innovate by being Canada’s first brokerage to permit clients to quote and buy directly from their smartphone. Now you can insure your business in 90 seconds; anytime and from any location right from your phone.

Visit us today at Bullfrog Insurance to experience unprecedented convenience and customer service right from your smartphone!

Pharmacy student graduation

5 Things that will change right after graduating pharmacy school

Graduation is right around the corner. You are nearing your final years of your BPharm or PharmD schooling that you have done for several years. Your hard work is about to pay off and you can finally move on to the next phase of life! This next phase is not exactly in-line with the life you are living now; as you will soon find out. See below for 5 of the most apparent changes from being a pharmacy student to graduate you will notice.

1. Pharmacy career progression is no longer straightforward

When you are in a university program, you have very specific course requirements. In your first year you are given a list of compulsory courses which you have to take to advance. You are given a couple of elective slots which allow you to choose the courses you wish to take. You ideally don’t want to over-do the requirements of the electives to the detriment of the focus of your core curriculum however. Outside of these electives, you are generally following the same stream as everyone else in your program and only really differing in the timeslots of the lectures. This is a very hands-off approach to figuring out what to do next, since you only have to do what you are told to do.

Once you graduate, this immediately changes. It’s now up to you to decide everything that is relevant for you to be doing. When you decide to enroll in pharmacy you probably thought that with the degree you simply take the degree with you to your local Shopper’s Drugmart or Rexall and become a pharmacist right? Wrong. With a pharmacy degree you can become a pharmacist; however that is only one of several career projections you can take with it. A pharmacy degree alone is in fact not enough to become a pharmacist in Canada, as you still have to complete a national board exam. With a pharmacy degree you can go into quality assurance, go into pharmaceutical business ownership, marketing for a drug or pharmaceutical company, working as a retail pharmacist, research & development, any type of media for pharmaceutical companies, and more. With experience in the field and additional study in the field, more options open up to you. The choice is all yours to make.

2. Mastering the syllabus is no longer enough to carry you to the top

In school the curriculum is king. There is hardly any other way to see it.  With a complete understanding of everything in your syllabus you are able to deal with any challenge your classes throw at you flawlessly.

Once you complete university this is no longer the case. Other skills will be required.  Your ability to engage diverse audience will come into play along with various other capabilities. With the changing landscape of both the workplace and the business world, your ability to network with professionals will have shifted in importance.

If you become a pharmacist, you need to communicate with both the people who buy medical drugs from you as well as organizations your pharmacy interacts with. Your customers will build relationships with you and in turn you will need to foster relationships with customers and their insurance administrators as well.  If you choose to advance through marketing and media, you must know your target market and be able to effectively communicate with them. No matter the field, you must learn to be vigilant and always be thinking ahead.

3. Downtown clusters make things harder instead of easier

The market for those with pharmacy degrees is ok. There are a solid amount of companies that seek individuals with a pharmacy degree to provide competitively offers. The problem lies in that because the pharmaceutical market is so well known to be a great investment, everyone wants to have a pharmaceutical related career and will typically choose to launch their business in high density areas.  This makes competition pretty fierce.

4. Real world implications

After school, any professional task involving your pharmaceutical knowledge will have real-world implications on both you and others.

There will be added satisfaction for various reasons. You are helping real people that will show you gratitude on the retail end. Your knowledge will be respected amongst other experts, as physicians, those who work within emergency faculties, and others rely on you. You are making advancements to help the world on the R&D end. You are potentially saving countless people on the QA or QC end.

There is added stress too however. Your school won’t take legal action against you (unless you purposely break their stuff) but people will. A mistake in school loses you marks on an exam you may not remember but a mistake after can hurt someone. No matter the field you enter, you will have to multitask and pay attention to several sources of important information at once. As a result, you will be in highly intense environments often.

5. You will be making the big bucks…instead owing more of it!

Last but not least, a positive aspect that will change right after completing your pharmacy schooling is you will be earning instead of going further into debt!

The average student debt after completing the 6+ years of schooling for a pharmacy student is >$110K/year. The average starting wage of those with the degree is >$110k. So while you do have to take into account the cost of living, you will be making progress and will be in a career that is rewarding and enjoyable. With Bullfrog Insurance you can insure your business a lot quicker than you can get a degree.  It only takes 90 seconds.  Check in with our blog regularly for more tips and information for your business.

Be sure to visit or call 1-844-GO-B-FROG.

Elevator pitches defined and demystified

elevator buttons

Breaking down elevator pitches to help you breakthrough with sales

Imagine if you could turn a conversation with your seatmate on an airplane or train into the most fruitful business opportunity you’ve ever had. Wen done right, at any time, any social interaction happening anywhere could be the start of a business opportunity for an uncapped amount of money! However, when used ineffectively elevator pitches yield nothing at all. Understanding the core concepts of elevator pitches and following some of these tips can help to ensure you get the most out of your pitch.

Most people understand that the key to an elevator pitch is preparation. And while preparation in presentation is important it is also crucial that a great amount of time spent be on developing the actual pitch.

Elevator pitches are defined as pitching an idea in the time it would take to reach a destination in an elevator through the frame of a coincidental social interaction with a prospect.

The Elevator pitch can be broken down into 4 phases. The semantics of the phases themselves is unimportant, however utilizing all 4 phases is crucial. The steps are:

1.) Lead-ins – a “hook” (e.g. “I help increase sales by 200%.” as an opener for a CRM software company)

2.) Product differentiation (e.g. “Our customers love that it is cloud-based so they don’t need any special software or IT resources”)

3.) Opening up for input (e.g. “What is your current CRM solution?”)

4.) Make plans moving forward (e.g. “We could schedule a demo for your team”)

The elevator pitch begins with the person you are talking to asks about you or your company.  After they ask about you, you lead-in with an introduction that is both intriguing and understandable – typically by citing a result. If the person cares about your energetic lead-in, you should transition to what sets you apart to others in your market – featuring tangible beneficial results of your product.  Observe what part the listener is most attentive to and question them about, opening up for input and allowing the dialogue to be a 2 way regular conversation.  After hearing them out, gauge their level of interest and give them an opportunity to hear more in a way that is appropriate to their level of interest. As you make plans moving forward the individual is given a chance to engage in the business opportunity if they wish.

Integrate these 4 phases into your elevator pitch and see opportunities arise everywhere. Elevator pitches are a quick, effective and free way to spread the word about your business.

With Bullfrog Insurance you can insure your business as quickly as you can pitch it in an elevator. Check in with our blog regularly for more tips and tricks for your business ranging from risk management to marketing.

Find Your Why

Girl contemplating her why

Why did you start a business? Maybe it was because you were tired of your former job, maybe you invented an amazing product, or maybe you wanted to make money on your own terms. No matter the reason, every person has a different measure of success and every entrepreneur can benefit from digging deeper into that reason to find their true WHY. What’s your reason for getting out of bed, what is the thing that is going to motivate you through the inevitable tough times in the start-up phase?

Sometimes the answer to that requires a little deeper digging. Ask yourself questions about your overarching why.  Start a bit of a thought train. It may look something like this:

I want to make more money.

I see an opportunity to make an impact

In my current state I am at the ceiling of my potential

I want more control over my career

I want more flexibility with my time

When you really boil down why you’ve decided to start something, it will ignite a fire in you that will push you to take your business to the next level.  Find a way or create a way, but never create an excuse.  No matter what your business does, you will always have a reason to keep fighting because there is something in the back of your mind, so fiercely important that you cannot give it up. You may struggle, but you will never give up.  Know yourself and your goals, and no one can stop you.

At Bullfrog Insurance, we do what we do because we know being an entrepreneur is challenging.. Our customers are busy and we are passionate about making their day just a little easier. We love hearing stories from our clients about how we simplified insurance while saving  them time and money.  That feeling, that comes from knowing we are helping someone succeed, is our why.

Best Books for Start Ups


Fall is approaching which means it’s the perfect time to spend some of your spare time curled up on the couch with a hot apple cider and a good book. We’ve compiled a list of top books for entrepreneurs so you can spend your reading time changing your mindset to build your business.

  • The 4-Hour Workweek by Timothy Ferriss


This book teaches you how to leverage your time and find your muse leaving you with more free time. He teaches you to surround yourself with people who you admire because “you are the average of the five people you associate with most”

  • Creative Confidence by Tom and David Kelly


Tom and David encourage entrepreneurs to look deep inside to ask themselves important questions like “When was I at my best?” and “When was work most rewarding?” to help them find roles and activities that will bring you the most joy.

  • The Fred Factor by Mark Sanborn


Motivational speaker Mark Sanborn tells the true story of the Fred the mail man who loves his job and teaches us valuable lessons about how passion in your life and work can turn the ordinary into the extraordinary.

  • The Etiquette Edge: Modern Manners for Business Success by Beverly Langford


Technology is a huge part of your business, no matter what product or service you offer. Author Beverly Langford teaches you to check your emails for tone, appropriate smart phone usage and maintaining a positive social media image.

  • The $100 Start-up by Chris Guillebeau


This book promises to teach you how to turn your passion into income and earn a good living on your own terms by taking insights from 50 regular people who started their business with $100 or less.

Bullfrog Insurance strives to be your partner in small business by providing advice and insight into the world of entrepreneurship while servicing your insurance needs –without the bull. Check our blog frequently for more information on how to take your business to the next level with tips ranging from risk management to personal development to marketing.

Labor Day Weekend – Creative Out Of Office Replies

Summer is coming to an end and with the long weekend approaching its nearing time to ring the starting bell of vacation; the out of office reply. It’s a signal that work can wait and fun cannot! The standard out of office reply is boring, and for many it’s a missed opportunity.  The standard “Hi there, I am out of the office from [DATE] to [DATE] with limited access to email. If you require immediate assistance please contact ______” is boring and lacks any added value or call to action. Add value with comedy or a call to action with a free download. Here are some ideas.

Base it in Truth

Share a little about what you’re actually doing on vacation!

“Hello – I’m currently out of the office eating ice cream with the kids, hopping on roller coasters and playing soccer in the yard.  Presuming this all works out, I’ll be back in the office [DATE] and shall do my utmost to respond to you as swiftly as possible.”

Add a Twist to the Standard Message

Adding a little humor lightens the mood when the recipient finds out you won’t be able to get back to them right away.

“Hello – I’m currently out of the office, but clearly you’ve already hit send, so this notice probably isn’t very helpful.  On the other hand, I am somewhat helpful and will be back [DATE] at which point I’ll respond at the earliest opportunity.”

Add a link to a free download

Add some value to your out of office reply by giving the recipient something.

“Hello and thanks for the email. I’m out of the office until Monday. If you need something right away you can contact .

In the meantime, check out this new [guide, blog, free download of your choice] it’s free and easy to read!

Talk soon”

Spread Goodwill

Praising a colleague who helps you out while you’re on vacation is a positive way to mention your vacation and show that you are grateful for your colleagues.

“Thanks for your email. I’m currently on holidays with the family for the first time in (what seems like) forever.

For urgent matters, ____ will help you. She doesn’t wear a cape but she’s basically superwoman.

See you soon!”

Out of Office replies are a fun way to engage with people even when you’re out of the office. They give you permission to step away from your computer or phone and truly enjoy your vacation. Bullfrog insurance is committed to ensuring your vacation is worry free by providing the coverage your business needs in less than 2 minutes so that you can get back to fun in the sun!

Let’s Go To The Ex!


Let’s go to the Ex!

The Canadian National Exhibition – the Ex — is a Toronto tradition that began in 1879 under the name Toronto Industrial Exhibition. Over the years the Ex has evolved but maintained it’s reputation as the place to see the best and brightest performers, technological innovations, commercial products, and to enjoy the thrills of the midway. This year’s Exhibition has lots to see and there is something for everyone!

For the Techie:

The Innovation Garage at the Ex is full of the latest tech including a section on Virtual reality! Try on a VR headset and feel the dizzying effects of a virtual roller coaster ride. There are also a number of kid friendly tech booths so the kids won’t get bored!

For the Trekkie:

To celebrate the 50th anniversary of the Star Trek Series the Ex is hosting a special art exhibition featuring art in a variety of mediums including a sand sculpture! There is also be a Star Trek themed bar and trivia nights!

For the Adventurous Foodie:

The Ex is known for its wild variety of “franken-foods” and this year is no exception! Bug Bistro will be serving up a variety of foods made with real insects including beef franks topped with slaw and mustard crickets. If that’s too adventurous for you check out Howie’s Cinnamon Rolls on the midway for a pulled pork cinnamon roll. Or if you’d really like to satisfy your sweet tooth try dessert nachos from Nacho Libre featuring tortilla chips topped with Nutella, strawberry puree and bananas.

For the Fashionista:

Every year the CNE features the Warehouse Outlet and this year some great brands have joined the roster including DKNY, Danby, Bench Kids, Lids, and Designer Shoe Sale. Beware, many of these retailers only accept cash, so come prepared!

For the Thrill Seeker:

The Canadian Classic “Polar Express” ride is joined at the 2016 CNE by its sister the Himalaya, a ride based on the South Asian Himalayan Mountain. It’s a fast ride with blaring sirens and pumping music. If that’s too much check out the carnival classic Tilt-A-Whirl which is celebrating it’s 90th Anniversary this year!

It’s even easier to enjoy the Ex, when you know your business and its assets are covered while you’re away having fun – and it’s never been easier to get insurance coverage.  Simply visit where you can get a quote and buy coverage in 90 seconds.  That way you can get to more important things like the 2016 Canadian National Exhibition, Let’s go to the Ex !

Canada Post Strike – Is Your Business Ready?

Talks Between Canada Post and the 51,000 Postal Union Members have stalled – is your business prepared?


Just when you thought it was safe to ship those time-sensitive documents, the headlines have begun to emerge.  Canada Post talks between management and the 51,000 postal union members have stalled suggesting that a strike may be approaching.  While many may shrug and say they don’t use the traditional mail system anymore, for a business the impacts can range from mild to massive.  Taking action to mitigate against the uncertainty and risks a strike can pose to your business could save you significant time and money – not to mention help to avoid frustration!


As a first measure, if you’re not already doing so – encourage your clients and your employees to be as digital as possible.  Use email instead of mail, market your products on the web instead of with drop mail and feature your company’s products and services on a website instead of in physical documents such as brochures.  If you’re organization has multiple locations intercompany communications should be digital as well.  You can share documents, ideas and artifacts through the use of online tools such as DropBox, Google Drive or slack.


Many organizations have no choice but to ship products however.  If you are one such company, now may be a good time to explore alternatives to Canada Post to ensure availability and timeliness of services.  We all know of FedEx, UPS and Purolator Courier, but for local shipping, you may have smaller courier options which work just as well.  As well, if the costs of other shipping services are excessive or your shipments are not time-sensitive, now is the time to let customers know that a strike may be approaching and delays may occur.


It’s also very important for business owners to recognize that there may also be other impacts to them if they receive their bills or their payments by mail.  If so, now is a good time to prepare by setting up online billing and online bill payments to minimize potential impacts to their business


While most of this is common sense, it’s also the sort of thing we don’t think of until we need to.  Business insurance can be the same – we only think of it when we have an unforeseen issue.  By going to you can get a quote and buy coverage in a mere 90 seconds.  That way you can get back to your business and prepare for potential issues like postal strikes!

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