Q - Markel International

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Helping brokers with effective insurance solutions since 1966
Justice rules on the insured value of
stolen medical marijuana Plants
On September 22, 2009, and then again on
September 29, 2011 plaintiff Darren Stewart had
respectively six and five of his medical marijuana
Plants stolen from his property. In each case he
made claim to the defendant in the case, TD General
Insurance Company for the loss. While TD
reimbursed the plaintiff $1,000 per Plant lost, based
on their interpretation of the insurance policy, Mr.
Stewart filed claim in both cases, for a further total
loss of $45,000 for the plants and $360,000 for
breach of contract, mental stress, physical pain,
breach of fiduciary duty and infliction of mental
and physical suffering.
The plaintiff argued that the plants should be
covered under personal property and contents.
During his analysis of the case Justice Ramsay noted
that an insurance contract should be construed in a
manner that attempts to harmonize and make sense
out of the various provisions contained within it.
Ambiguities are to be resolved in favour of the
insured, but ambiguity does not exist whenever the
policy contains wording that could be open to two
or more reasonable interpretations, as was the case
in this matter.
As part of his final ruling in March of 2013 Justice
Ramsay stated that it was a stretch that the Plants
should be considered under contents, as they were
not contained within the dwelling. He also noted
that if the “Extended coverage” part of the policy
did not cover the lost plants, neither did any other
part of the policy. In final summary he ruled that in
his view the maximum recovery permitted by the
policy was $1,000 per plant, and that TD had
appropriately paid that amount.
For full judgment: http://canlii.ca/t/fwfcm
Electronic funds transfer
TD argued before Justice J.A. Ramsay that the only
provision of the policy that provides for compensation for the lost plants is under “Extended
coverage”, which limits compensation to $1,000 per
plant.
www.elliottsr.com
1
The insurance industry continues to be targeted by
organized cheque fraud artists. At the request of several
clients, we can now accept electronic transfer of funds
(EFT).
If you wish to use these facilities for account settlement,
please contact Laetitia Bourdin at (514) 985-1407 or
[email protected].
Spring 2013
Our People
Bob Bousfield, BA, FCIP, CRM, RIBO
“ I really enjoy my job because Elliott’s is a terrific company ”
Q
How did you get involved
in the Insurance Industry?
1. Logic: most of the work we do
is based on this, so common
sense is important
Shortly after completion of univer2. Listening: one can’t lead unless
sity I started my career at the
we listen to our people.
Insurance Advisory Organization Inc
Listening helps us to
(IAO). I worked as a loss control
understand and solve problems
engineer in the Hamilton office for
13 years responsible for manage3. Learning: being humble and learn
ment of the office and a full range
from our mistakes. Whether
of loss control activities including
working in management, HR,
engineering surveys for fire protecunderwriting, support roles or
tion, premises, product liability,
claims, this is one of the keys
occupational health and safety
to success.
inspections throughout the Niagara
region. A wonderful job for a
What type of advice would
curious mind.
you provide to a new person
either currently in or considWhat is your current role?
ering entry into our industry?
I’m currently Vice President,
• The insurance industry jobs are
Property and Inland Marine. I lead a
the best in the world. It allows
team of experienced underwriters
you to be involved in every
in specialty insurance lines.
aspect of human activity.
Q
Q
•
Q
What brought you to
this role?
Years as a loss control engineer
prepared me for the challenges of
analyzing and underwriting complex •
risks and I have held various
underwriting and management
positions, including head office
Commercial Lines
•
Property/Casualty underwriting
specialist for a large international
insurer. My mentors and coworkers along the way always
helped me learn new skills while
maintaining our sense of humour.
Q
•
If you could summarize the
•
top 3 most important skills
of a person in your role, what
would they be and why?
www.elliottsr.com
Whatever your interest is, there
is a sector of our business
involved in it, from movies to
mining to medical innovations,
the list is endless.
It’s a people business, and you
get to work with people and
learn to deal with different
personalities.
There are many mentors and
training available in this
business, people willing to help.
The industry supports and
endorses continuing education I don’t know any other industry
that provides the opportunities
in training that we do.
We’ve done a good job building
a stable industry and the
economy is dependent on us.
Insurance will always be
needed.
Q
What do you enjoy doing
for extracurricular
activities?
I enjoy golfing, downhill skiing and
hiking. I also like to travel, and I
have great staff to handle the work
while I am away.
Bob is a Hamilton native, and a
Tiger Cats fan! Two children are
currently involved in the insurance
industry.
Bob holds memberships in the
following professional associations:
•
Society of Fire Protection
Engineers (SFPE)
•
Registered Insurance Brokers of
Ontario (RIBO)
•
Fellow of the Insurance Institute
of Canada (FCIP)
•
Property Casualty Underwriters
Club.
For young entrants, there is a
bright future with the aging
demographics in our industry.
2
Spring 2013
Our People
TEAM ESR - DAILY
BREAD FOOD BANK
Thanks to everyone who participated and
supported our Christmas fundraising!
We not only surpassed all other companies
weight totals at our Corporate Volunteer Day,
but also raised $3,300.00 to support this great
cause !
Congrats!
”The Property Team” from left to right:
Isabel Treggia, Bob Bousfield and Colleen Kenny
About Markel International
ESR is proud to support the CORE centre.
CORE is a supportive Centre for Opportunities, Respect and
Empowerment for people with complex needs and emotional
stress due to mental illness and/or developmental challenges.
Markel International is a
London-based specialty
property and casualty insurer.
It is a subsidiary of Markel
Corporation of Richmond,
Virginia, U.S., and writes
business through its two
commercial entities known as
Markel International Insurance
CORE provides these uniquely challenged individuals with
opportunities to engage in productive activity. We encourage
their participation and self-esteem by focusing on the positive
essence of each unique individual. The results? Enhanced quality
of life, wellness, self-worth and family support for
participants, and ever increasing benefits to society at large.
www.elliottsr.com
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Company Limited (MIICL)
and Markel Syndicate 3000,
a 100-per-cent Markel-owned
Lloyd’s corporate syndicate.
Markel Corporation is rated:
• A (Excellent) by A.M. Best
• A (Strong) by Standard
& Poor’s.
Spring 2013
Our AGM in Punta Cana
On February 7th-11th, 2013 our
ESR team attended the annual
strategy planning and marketing
meeting in sunny Punta Canta in
the Dominican Republic. In
attendance were 54 attendees
including representatives from all
our Canadian offices (Montreal,
Toronto, Vancouver and Calgary).
AllSport Insurance Marketing were
represented with Gina Bennett
along with Murray Morrison. Markel
International included Ron
Northedge and Gary Milton White, participating as part of our
group.
The theme this year was
"Imagination to Implementation"
which covered many topics
including two workshops focused
on New Products and Marketing
where staff participated and
contributed to future action plans
and handling strategies.
www.elliottsr.com
Our 13 new team members
Top Row:
Middle Row:
Front Row:
Doug McRae, Dianne Brisson, Alain Matkin, Andre Paradis
Gerry Clayton, Brittany Klaudusz, Patricia Booker, Arnela
Mirkovic, Matthieu L'Affeter
Josee Toupin, Alan Truong, Anna Maria Tonin, Andy Gordon
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Spring 2013
Stranger than fiction
Cigar Insurance
Oh God, this
Lawsuit is
Legally Insane
A Charlotte, North Carolina man, having purchased a box of 24
rare and very expensive cigars, insured them against... fire.
Within a month, having smoked his entire stockpile of fabulous
cigars, and having yet to make a single premium payment on
the policy, the man filed a claim against the insurance
company.
In his claim, the man stated that he had lost the cigars in "a
series of small fires." The insurance company refused to pay,
citing the obvious reason: that the man had consumed the
cigars in a normal fashion. The man sued, and won.
In delivering his ruling, the judge stated that the man held a
policy from the company in which it was warranted that the
cigars were insurable. The company, in the policy, had also
guaranteed that it would insure the cigars against fire, without
defining what it considered to be "unacceptable fire," and so,
the company was obligated to compensate the insured for his
loss. Rather than endure a lengthy and costly appeal process,
the insurance company accepted the judge's ruling and paid
the man $15,000 for the rare cigars he had lost in "the fires."
However, shortly after the man cashed his check, the
insurance company had him arrested on 24 counts of arson.
With his own insurance claim and testimony from the previous
case used as evidence against him, the man was convicted of
intentionally burning the rare cigars and sentenced to 24
consecutive one-year prison terms.
Above is an Urban Legend.
Source: http://www.hoax-slayer.com/lawyer-cigar-arson.shtml
www.elliottsr.com
A Kansas City man has sued God.
Recently, Greg Rollins, 50 and
unemployed, filed a lawsuit in the
U.S. District Court for the
Western District of Missouri
alleging God was negligent in
designing Rollins and his brother
(both of whom allegedly suffer
with schizophrenia) and his
handling of the world. Rollins is
demanding $1 trillion.
"I don't believe there is a god,"
Rollins said. "But if there is a god,
I want him to come and defend
himself. I want him to pay for my
condition, my brother's condition,
all the crippled people and all the
people dying in this war that he
could stop."
Judge Gary Fenner quickly
dismissed Rollins' pro se suit. "For
obvious reasons," wrote Judge
Fenner. Rollins countered that
perhaps the court was scared to
move forward with a lawsuit
against God.
This was the first time God has
been sued in Missouri, but it is the
second such lawsuit from the
Midwest in as many months. Last
month, Nebraska State Legislator
Ernie Chambers filed suit against
the Almighty for what he claimed
were allegations of making
terrorist threats and inspiring
fear.
Source: Daily Record (Kansas City, MO)
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Spring 2013
Plaintiff Sues for Loss of
Psychic Powers
A $600,000 jury verdict for losing psychic powers sounds ridiculous,
and likely the grossly misunderstood McDonald’s coffee spill case,
Haimes v. Temple University has been abused as a tool to whip up on
trial lawyers and the tort system. But as with the McDonald’s case,
Haimes got twisted in the telling.
Plaintiff Judith Richardson Haimes brought a medical malpractice action
against defendant after a CT scan allegedly caused her chronic and
disabling headaches and prevented her from practicing her occupation
as a psychic. A jury awarded her $600,000 after a four-day trial.
Wow! But pro-tort reform accounts of the case omit two critical facts.
First, that the trial judge specifically instructed the jury it could NOT
award damages for loss of her psychic abilities, and, second, that the
court threw out the plaintiff’s verdict.
Having cleared that up, the most interesting part of the case was the
testimony pertaining to her psychic abilities.
The plaintiff presented several police
officers as witnesses who testified that
plaintiffs’ psychic abilities had helped them
solve cases. One special agent testified
that he sought plaintiff’s advice in solving
five to seven homicide cases and that
information provided by plaintiff proved to
be 80-90 percent accurate. The opinion
describes detailed information plaintiff
provided to help solve a variety of cases.
It’s interesting.
Haimes v. Temple University Hosp., 39 Pa. D. &
C.3d 381
(Pa. Ct. Com. Pl. 1986). Thanks to Cynthia Cohan.
Pepsi Challenge
John Leonard is taking his Pepsi challenge to court. The 21-year old
business student says he's collected his Pepsi points and wants his
prize - A Harrier fighter jet like the one pictured in a pepsi
promotional TV ad. On Tuesday, his Miami lawyers filed a lawsuit in
Dade County, Fla., Circuit Court, accusing PepsiCo Inc. of breach of
contract, fraud, deceptive and unfair trade practices, and misleading
advertising. Pepsi maintains the commercial was a spoof and says it
has a perfect right to use humor in its advertising.
Leonard, a student at Shoreline Community College, saw a
television ad last year as part of a Pepsi Stuff promotion in which
customers who had racked up points on beverage containers could
claim prizes. As a joke, the company also "offered" the $70 million
fighter jet for 7 million points. That means Leonard would have had
to drink 16,800,000 cans of Pepsi to earn the Harrier.
To avoid having to drink that much Pepsi, Leonard called the
company and said he was told he had the option of buying Pepsi
points for 10 cents each. Leonard rounded up five investors and on
March 28 delivered to Pepsi 15 original Pepsi Points plus a check for
$700,008.50 for the remaining 6,999,985 points,
"plus shipping and handling," the lawsuit says.
After Leonard threatened to sue because he didn't get the jet, the
company filed a pre-emptive suit July 18 in federal court in New York,
seeking to have his claims declared
frivolous and seeking reimbursement for
the company's legal fees.
Leonard denies his actions are a publicity
stunt or an attempt to get Pepsi to
settle out of court. He saw a plane as an
entrepreneurial venture, saying perhaps
he could take customers on thrill rides.
Note: Content in our “Stranger than fiction”
column comes from secondary sources
rather than original court documents, so
Elliott Special Risks cannot guarantee the
accuracy of the material featured.
Source: Academy of Marketing Science. Journal, 28(2), 318–320.
www.elliottsr.com
6
Spring 2013
Recent judgments
Chubb Insurance recovers Court costs in claim dispute
On July 31st, 2012 Ontario Superior
Court Justice Lofchik, dismissed a
plaintiff’s claim against Chubb
Insurance Company of Canada, that
benefits provided for an accident
that had caused quadriplegia, were
inadequate. The claim had sought
damages exceeding $6,000,000.00.
Chubb had issued a blanket
insurance policy to the Ontario
Soccer Association affording
coverage to OSA members of up to
$40,000.00 for quadriplegia
resulting from an accident occurring
while any insured member was
participating in any of the activities
sanctioned by the OSA.
As a result of this decision, Justice
Lofchik was then called upon to deal
with summary judgment on the
matter of the costs of the action
taken against Chubb. Ruling that it
was a case where appropriate costs
be awarded in favor of Chubb, the
Justice reviewed billing submitted
by Chubb’s legal council, and also
heard the council for the plaintiff’s
argument that billing was excessive.
In his October 17th ruling, Justice
Lofchik cited that costs be fixed
according to rule 57.01(1) of the
Rules of Civil Procedure. The
Justice took several key factors into
account, including: reasonable
expectations of the unsuccessful
party, the complexity of the
proceeding, and the importance of
the issues. In the latter case,
Chubb had argued that the claim
alleged a novel cause of action
against them which, if successful,
would have had far reaching effects
on the obligations of all insurers in
Canada and the manner in which
www.elliottsr.com
they conduct business. In his final
ruling it was deemed that
Chubb was entitled to its costs
against the plaintiff in the amount
of $11,500.00 plus HST for
counsel fees, plus $846.19
inclusive of HST for disbursements. This was close to the
median point between opposing
council’s suggested amounts.
For full judgement: www.canlii.org/en/on/onsc/doc/2012/2012onsc5644/2012onsc5644.html
Be sure to pack well before shipping
Federal Court of Appeal supports Zurich Insurance
claim rejection
Feuiltault (Feuiltault) Solutions Systems Inc., manufacturer of
specialized book binding machines, sold forty such machines to a
customer in Germany. The goods were loaded into three separate
shipping containers, and Feuiltault staff used pieces of pressure
treated wood to immobilize the machines within the containers.
Shipped from Montreal, the containers were off-loaded at
Bremerhaven, Germany. The voyage was uneventful, and the
machines were trucked to the customer. Upon opening the
containers, all of the machines were found to be rusted to the point
where they had to be declared a total loss.
After various investigations to determine the cause of the rusting,
Feuiltault made a claim under its marine insurance policy.
Feuiltault’s insurer, Zurich Canada (Zurich) refused to pay, and
Feuiltault filed suit pursuant to the Ocean Marine Certificate issued
by Zurich. The Federal Court reviewed the evidence of expert
witnesses, and concluded that the cause of loss was best described
by Zurich’s expert, Captain Fernandes. This witness concluded that
the machinery was insufficiently packed (unwrapped steel machines
in a container full of wood that has not been kiln dried and no use
of desiccants) and that the wood used as packing material was
clearly unsuitable because of its high moisture content. As a result,
the Federal Court dismissed Feuiltault’s claim against Zurich.
Feuiltault disputed the 2011 Federal Court ruling, and their case
went before the Federal Court of Appeal in 2012. In the key focus
of its review in whether the Federal Court erred in its initial ruling,
the Appeal Court addressed the question of where the onus lay in
the case. Discussion focused on whether the insured under an
all-risks policy must show, if only by inference, that the loss was
7
Spring 2013
caused by a fortuity, and if the
insurer must prove the application
of exclusion, including nonfortuitous losses, on which it relies
to deny coverage. An insured
that cannot show that the loss
was caused by a fortuity will have
shown that the loss was caused
by inherent vice, since, by definition, inherent vice is the
deterioration of the cargo without
the intervention of any fortuitous
external accident or casualty. This
reverses the onus with respect to
proof of the cause of loss, since
requiring the insured to show that
the loss was due to a fortuity
imposes on the latter the onus of
disproving inherent vice.
The exclusion required that the
loss or damage be caused by the
insufficiency or unsuitability of
packing. Appeal Court Justice
Pelletier accepted the Federal
Court’s ruling that the corrosion of
the cargo was caused by condensation in the container due to the
high moisture content of the
pressure treated wood used to
pack the machinery, and that it
followed from this that the unsuitability of the packing was the
cause of the loss. Finally the
Justice noted that this conclusion
was consistent with the general
purpose of marine insurance,
which is to indemnify against the
risks incident to a maritime
voyage, and not to guarantee the
skill and workmanship of the
insured in preparing the cargo for
such a voyage. The appeal was
dismissed.
For full judgement: http://canlii.ca/t/fs8ph
B.C. Supreme Court supports Trucking
Contractor in accident claim dispute
In December 2005 one of the heavy trucks (Unit 50) of plaintiff
Streeper Contracting Ltd., a contracting firm that hauls oil rig
equipment between lease sites in the oil and gas fields of
northeastern British Columbia, collided head-on with another vehicle.
The accident caused serious injury to the Streeper driver and the
death of the third party driver. Both commercial vehicles were lost
as well.
The defendant, Insurance Corporation of British Columbia (ICBC),
denied coverage on the basis that Unit 50 was operating outside of
its insurance coverage, and on the basis of a misstatement made to
ICBC by Streeper’s president. The defendant also, in a separate
action heard together with Streeper’s claim, sued to recover the
sums paid out to third parties on behalf of the plaintiff. The parties
did agree on the monetary magnitude of their respective claims, with
the plaintiff looking to recover $120,000 (the $130,000 value of
Unit 50 less $10,000 recovered from salvage), and ICBC looking to
reclaim $172,000 for payments made to affected parties. The
court narrowed its focus to two common issues in these actions:
whether Unit 50 had coverage at the time of the accident; and
whether the plaintiff forfeited its right to indemnity under the
insurance policy, by making a wilful misstatement to the defendant.
The issue of there being sufficient coverage on Unit 50 the day of
the accident, centred on the saving provision in the policy. This
provision allowed for the coverage on a higher rated vehicle to cover
a lower rated one (up to six times a month), as long as the higher
rated one was not in use. In this case Unit 50 not having sufficient
mileage coverage for the trip it was making that day, but having
sufficient coverage transferable from an unused vehicle available
within Streeper’s truck fleet. Justice L.A. Fenlon, after reviewing
testimony, supported the plaintiff’s evidence that adequate efforts
had been made and coverage was not exceeded.
Next the Justice addressed whether the plaintiff had made wilful
misstatements to ICBC, which would have negated coverage.
Justice Fenlon’s findings turned on the overall credibility of Mr. John
Streeper (then President of the plaintiff), taking into account all of
the evidence. Acknowledging that his evidence was not entirely
consistent over the seven years in which he had addressed questions
put to him by ICBC, and that he had even been careless in providing
ICBC with incorrect route information, overall she believed Mr.
Streeper’s veracity. Justice Fenlon summarized that ICBC had had
not proved that Mr. Streeper had made a wilfully false statement,
and that he had not intentionally or wilfully mislead the insurer. On
March 5, 2013 the case came to a close with her ruling that the
plaintiff was entitled to its claim.
For full judgement: http://canlii.ca/t/fwd82
www.elliottsr.com
8
Spring 2013
Our Products
Property and Inland
Marine Program
In-House Property
This facility provides coverage for most
risks including:
• ATV and motorcycle dealers
• Auto wreckers / metal recyclers
• Camps including northern and remote locations
• Chemical manufacturing, blending and storage
• Equipment sales and rentals
• Fireworks sales and storage
• First nations
• Manufacturing and retail risks
• Furniture manufacturing
• Group homes and rest homes
• Hospitality including hotels, motels and
restaurants
• Clubs and nightclubs
• Industrial and manufacturing plants with fire or
explosion hazards
In-House Inland Marine
This facility provides coverage for most risks including:
• Builders Risks / Course of Construction
• Building Movers Forms
• Installation Floaters
• Miscellaneous Floaters (tools, musical
instruments etc.)
• Mobile Equipment including Cranes
• Riggers Legal Liability
• Transportation Floaters-Trip Transit, Owned Cargo
• Warehouseman’s Legal Liability
Cargo Facility
Features include:
• $250,000 in capacity available
• Minimum premium $1,500
• All risks coverage
• Fast quotes
A specific application is required for this program and
is available upon request or on our website.
• Loss frequency accounts
•
•
•
•
•
•
•
•
Marinas
Paint manufacturing or storage
Plastics manufacturing or storage
Recyclers
Rented and seasonal dwellings
Rooming houses
Tenant’s legal liability (on a stand alone basis)
Vacant or unprotected premises including
repossessed properties
• Waste haulers and landfill operators
The program features:
$5 Million in capacity available, with access to
markets for higher limits
Ideal for filling subscription lines
Hard to place risks
• Including USA locations
• Immediate binding available
Please see our office directories for contacts in your area.
www.elliottsr.com
9
Spring 2013
Contact List
TORONTO OFFICE DIRECTORY
Elliott Special Risks
130 Adelaide Street West, Suite 810, Toronto, Ontario M5H 3P5
Phone: 1(416) 601-1133 • Toll Free: 1(800) 223-8858 • Fax: 1(416) 601-1150
Mario Sousa, President
Nancy Costa, National Marketing Manager
(416) 601-2472
(416) 601-3139
[email protected]
[email protected]
Biotechnology, Life Sciences and Information Technology Liability
Darlene Chin, AVP
(416) 601-2452 [email protected]
Claims Department
Fitness Clubs
Wilfred Tioh, VP
(416) 601-2479
[email protected]
Connie Peplinskie, VP (416) 601-2467 [email protected]
Patricia Booker
(416) 601-2451
[email protected]
Terry Parker
Raymond Fenech
(416) 601-5508
[email protected]
CLAIMS REPORTING
(416) 601-1133
[email protected]
(416) 601-2466 [email protected]
Professional Liability Insurance
Commercial General Liability; Sport, Leisure & Recreation
and Canadian Exporters
Connie Peplinskie, VP
(416) 601-2467 [email protected]
J.D. Farquhar, AVP
(416) 601-2459 [email protected]
Sheron Metcalfe, VP
(416) 601-2461 [email protected]
Cathy MacPherson
(416) 601-2465 [email protected]
Celia Binetti
(416) 601-2474 [email protected]
Jan Hill
(416) 601-2460 [email protected]
Ray Gimble, AVP
(416) 601-3136 [email protected]
Christina Roach
(416) 601-2301 [email protected]
Les Avenell
(416) 601-2450 [email protected]
Manon Merineau
Terry Parker
(514) 985-1412 [email protected]
(416) 601-2466 [email protected]
Bob Bousfield, VP
(416) 601-2453 [email protected]
Colleen Kenny
(416) 601-2458 [email protected]
Tony Dennis
(416) 601-2457 [email protected]
Isabel Treggia
(416) 601-3131 [email protected]
Vesna Fable
(416) 601-2471 [email protected]
Property and Inland Marine & OUTBREAkTM
Extra Expense
Security & Protection Industry
Directors & Officers and Union Executives Liability
Connie Peplinskie, VP
(416) 601-2467
[email protected]
(416) 601-2464
[email protected]
(416) 601-2466
[email protected]
Tom Warden, VP
(416) 601-2477 [email protected]
Mary MacLaren
Celia Binetti
(416) 601-2474 [email protected]
Terry Parker
Environmental Impairment Liability, Environmental
Contractors Package and Environmental Consultants
Umbrella and Excess Liability
Cathy Lanktree, VP
(416) 601-2463 [email protected]
Rod Spurrell, VP
(416) 601-2473 [email protected]
Frank Reda, VP
(416) 601-2469 [email protected]
Anne Towns, VP
(416) 601-2476 [email protected]
Arnela Mirkovic
(416) 601-3132 [email protected]
Allan Truong
(416) 601-3135 [email protected]
Karen Mak
(416) 601-3137 [email protected]
Cidalia Raposo
(416) 601-2468 [email protected]
Linda Mezzabotta
(416) 601-2478 [email protected]
Jaime Yoon
(416) 601-2455 [email protected]
CALGARY OFFICE DIRECTORY
Elliott Special Risks
700, One Executive Place, 1816 Crowchild Trail NW, Calgary, Alberta T2M 3Y7
Phone: (403) 313-8987 • Toll-Free: (855) 313-8987 • Fax: (403) 313-8986
Hope Cochran, AVP
www.elliottsr.com
(403) 313-8987
10
[email protected]
Spring 2013
MONTREAL OFFICE DIRECTORY
Elliott Special Risks
2000 rue Mansfield, Suite 710, Montreal, Quebec H3A 2Z4
Phone: 1(514) 849-4992 • Toll Free: 1(877) 771-1211 • Fax: 1(514) 849-9443
André Paradis, VP and Montreal Branch Manager
Laetitia Bourdin, VP Finance and Controller
Guylaine Bélanger, Assistant Controller
(514) 985-1403
(514) 985-1407
(514) 985-1408
[email protected]
[email protected]
[email protected]
(514) 985-1414
(514) 985-1413
(514) 985-1412
[email protected]
[email protected]
[email protected]
(514) 985-1406
(514)-985-1420
(514) 985-1412
[email protected]
[email protected]
[email protected]
(514) 985-1414
(514) 985-1415
[email protected]
[email protected]
(514) 985-1410
(514) 985-1409
[email protected]
[email protected]
(514)
(514)
(514)
(514)
(514)
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
Biotechnology, Life Sciences* and Information Technology Liability
Lynda Houle, AVP
Anna Tucci*
Manon Merineau
Commercial General Liability; Sport, Leisure & Recreation and Canadian Exporters
Danielle Couture
Josee Toupin
Manon Merineau
Directors & Officers, Employment Practices and Union Executives Liability
Lynda Houle, AVP
Helen Dias
Environmental Liability and Environmental Consultants
Younès Bounafaa, AVP
Yves Bouchard
Marine
Diane Brisson, AVP
Andy Gordon
Anna-Maria Tonin
Douglas (Doug) McRae
Matthieu L’ Affeter
985-1404
985-1418
985-1416
985-1417
985-1419
Professional Liability
Lynda Houle, AVP
Helen Dias
(514) 985-1414
(514) 985-1415
[email protected]
[email protected]
(514) 985-1413
(514) 985-1412
[email protected]
[email protected]
(514) 985-1405
(514) 985-1413
[email protected]
[email protected]
(604) 697-2533
[email protected]
(604) 697-2534
(604) 697-2535
(604) 697-2536
[email protected]
[email protected]
[email protected]
(604) 737-3018
(604) 737-3018
[email protected]
[email protected]
Security & Protection Industry
Anna Tucci
Manon Merineau
Umbrella & Excess Liability
Danielle Legault, VP
Anna Tucci
VANCOUVER OFFICE DIRECTORY
Elliott Special Risks
1130 West Pender Street. Suite 500, Vancouver, British Columbia V6E 4A4
Phone: (604) 738-1033 • Toll-Free: (888) 744-1033 • Fax: (604) 738-1036
Glenn Minnis
Marine
Gerry Clayton, AVP
Alain Matkin
Art Heaney
All Sport Insurance Marketing Ltd.
507-1367 West Broadway, Vancouver, British Columbia V6H 4A7
Phone: (604) 737-3018 • Toll-Free: (877) 992-2288 • Fax: (604) 737-3076
Murray Morrison, President
Gina Bennett, VP
The information in this newsletter is intended to be general in nature and should not be construed as
specific recommendations, nor as a substitute for the advice of a professional insurance broker who is
familiar with a client’s particular exposures or circumstances. Aussi disponible en français.
www.elliottsr.com
11
Spring 2013
Our Products
Other available features of our property program:
Boiler
Equipment breakdown or full standard comprehensive
policies available on all policies at competitive prices
Crime
Able to provide B.F.M.& S. and Form A employee
dishonesty bonds to complement your coverage options
Outbreak
A unique extra expense cover for businesses that are closed by
public officials due to an outbreak of disease, mould, vermin or
violence. Features include:
• $1,000 to $50,000 per day up to 30 days
per location
• Minimum premium $1,000
• Broad wording of covered conditions
• Insured controls the use of funds
• Wide range of eligible industries including medical, educational
institutions, hospitality and food service, daycares, retail and
manufacturer.
Please see our office directories for contacts in your area.
130 Adelaide Street West, Suite 810
Toronto, ON M5H 3P5
Postmaster: If undeliverable to address, please return to sender.
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