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www.ibabc.org
BC BROKER august 2008 — PAGE 21
Newsbriefs
Sunshine, golf, barbecues and good company – sure beats a day at the office. On Side
Restoration’s 9th annual Ladies Only Golf Tournament hosted 132 golfers at Carnoustie
in Pitt Meadows. Carmen Arndt and Deborah Taylor of Lindsay Kenney and Julie Lamb,
soon to join Guild Yule & Co., stopped by the on-course barbecue hosted by Dom Roulston,
Todd O’Dell and Chris Kusba of WoodWorks.
Remembered
Many industry people came together
July 12 to remember Don Wanamaker,
IBABC director from 1985 to 1987, who
died at 81. Don and Syd
Nash were partners in the
brokerage Nash-Wanamaker. Don and Don Davis,
who still keeps a hand in at
Davis Insurance Agencies,
Wanamaker were founding members of
the North Shore Mafia, a
social group of North Vancouver brokers.
In November 1974 Wanamaker, Nash
and Davis participated in the “greyflannel” strike by Autoplan agents when
the government responded to appeals
for better remuneration by threatening
to cancel agents’ contracts.
On Syd’s retirement, Don partnered
with Alex Maier (now of Lynn Valley
Insurance) in Lonsdale Insurance Brokers. They sold to Bob Stewart and it
was renamed Irwin & Billings. Don was
a regular at association conferences for
many years. He’s remembered as a wonderful storyteller and an avid fisherman
– always a strong contender at the annual
North Shore Fishing Derby, which was
held for the 25th and last time in ’07. And
he was a dedicated family man, missed
by his wife of 60 years, Laura, and their
four children and their families.
Retired Vancouver company manager
PAGE 22 — BC BROKER august 2008
Dave Coomber passed away at age 62.
Dave was diagnosed with cancer on his
60th birthday, started treatment and was
responding well during
the past two years when
he died unexpectedly July
9. He started in insurance
at 18, fresh out of school,
with the old Canadian
Indemnity Company, later Coomber
moving to the IIM/Cornhill-Canadian
Provincial Group under manager Denny
Moore. In 1988, Dave took over as branch
manager and operated the Vancouver
office under the Allianz name until 2001,
when he took early retirement. For the
past few years he has been with Sussex
Insurance in North Vancouver.
Claims old-timer Fred Colclough has
died at the age of 89. Following RCAF
war service, Fred worked as an independent adjuster and specialized in fire
and property claims. From 1950 through
1980, he worked alongside partners Don
Meikle, Ernie Earle, Reg Tomlinson and
marine engineer Jim Allinson – under
the banner Vancouver Adjustment Bureau Ltd.
Deanna Jennings, affectionately known
as “Chickie,” took ill suddenly and died
June 14. She and her bother Randy ran
Enns Insurance in Campbell River after
their mother Cathy retired. They retired
in ’06 when they sold to Coast Country
Insurance.
Market intelligence
from Gore
Gore Mutual is showing its support
for brokers by supplying IBABC members with copies of the quarterly MSA/
Baron Outlook Report. The report’s
analysis and trend data are followed
closely by insurers, regulators, risk
managers and other industry professionals. The objective is to provide
brokers with tools that help them succeed, says Gore CEO Kevin McNeil.
The Q1-2008 report IBABC members
received in July included a feedback
form. Please complete and return it to
let Gore know you appreciate receiving
the report.
Broker Steve Sache and IBABC Chairman Ted Lewis met with Bill Siksay, NDP MP for
Burnaby-Douglas, in his Ottawa office as part of the Insurance Brokers Association of
Canada’s annual visit to Parliament Hill. During the IBAC board meetings, IBABC and the
Toronto Insurance Conference shared an anniversary cake (see photo page 3).
www.ibabc.org
Moving Around
Len Kelsey was appointed July 16 as
a commissioner and designated as chair of the B.C.
Utilities Commission for a
three-year term. He joined
the BCUC in July 2003 as
the head of the first panel
Kelsey
to review ICBC’s rate applications. Many brokers will
remember him as the head of the BCAA
Insurance Corporation for 20 years.
Greg Johnson is the new
marine manager with Atkinson & Terry Insurance
Brokers. Greg worked for
many years in the shipbuilding industry, and then
later as a marine insurance
Johnson
specialist. And talk about
taking your work home with you; Greg
lives on a boat, too.
It all adds up
The Golf for Big Sisters tournament
June 23 raised $60,000 for Big Sisters
of BC Lower Mainland’s mentoring
programs. The insurance industry was
heavily represented; major sponsors included Dominion of Canada; Lombard;
Aviva; HUB International TOS; On Side
Restoration; Phillips, Hager & North,
www.ibabc.org
Golf for Big Sisters Chair Roz Wishinski, VP marketing at Hub International TOS, presents
Jeff Fleming of The Dominion with a print. The insurance industry helped raise $60,000
for Big Sisters.
and Westland Insurance. Throughout June, loose change was collected for the Women in Insurance Cancer
Crusade’s annual Change for Change
drive. This year they also collected virtual
change over the internet. Congratulations
to the three teams who raised the most
funds: ING BC senior management, Aon
Reed Stenhouse Victoria branch and ING
BC mainland senior underwriters. The
campaign raised almost $1,800 for the
Canadian Cancer Society. BC BROKER august 2008 — PAGE 23
Latest benchmarkingdata
used in Best Practices 2.0
F
or more than a decade, taking the Best
Practices program has been one of the
most powerful and effective things managers could do to improve their brokerage
operations. The only thing that could improve
the program was the inclusion of more localized
benchmarking data. And that, we’re excited to
By Brian Bonsma
say, is now available.
In 1993, the Independent Insurance Agents &
Brokers of America – the U.S. counterpart of the
Insurance Brokers Association of Canada (IBAC)
and often referred to as the “Big I” – contracted
with Regan Consulting to undertake a sweeping examination of the leading brokerages in
the U.S.A. The goal was to determine exactly
GM_BC_broker_banner_ad:bc ad 7/7/08 2:03 PM Page 1
what high performance brokerages were doing
that made them so successful. The study’s first
goal was to identify the top brokerages; it then
examined every aspect of their businesses. The
resulting Best Practices program provided a set
of benchmarks for performance and business
strategies that other offices could adopt in their
own businesses. The program has proven that
by comparing your office to those that have been
identified as “high performing”, it is possible to
identify performance gaps and the necessary corrective measures, thereby enhancing the overall
performance and value of your brokerage.
The survey that drives the core of the Best Practices program has been undertaken every year
since 1993 and the results continue to be shared
with brokers who are serious about improving
Established in 1839, Gore Mutual has a long history of
providing our brokers with a stable Canadian solution.
When it comes to service, we believe that the old-fashioned way
of doing business is best – building personal relationships.
www.goremutual.ca
PAGE 24 — BC BROKER august 2008
www.ibabc.org
what they do and how they do it. Our
national brokers’ association, IBAC, has
exclusive rights to the Best Practices
data and study materials for Canadian
brokers and, with modifications for our
markets, it is offered to member brokers
through provincial associations like
IBABC.
In IBABC’s latest Best Practices offering
(classes begin in October 2008), we have
expanded the value of the program by
including Canadian data provided by the
Berris Mangan Insurance Brokerage Profitability Study of 2007. This biennial study
is based on aggregate data provided by
more than 200 brokerages, mostly from
Canada’s four western provinces.
We have also created a more structured study and course delivery system
that dramatically improves results and
makes taking the course easier and more
It will give you the
tools to validate new
ideas and proven
methods to successfully
integrate those changes
into your business to
gain maximum value.
convenient. (Previous editions were primarily based on the American figures and
required participants to attend all classes
in Vancouver.) With these enhancements
added to the proven success of the base
program, IBABC’s Best Practices 2.0
program provides a comprehensive set
of tools in an improved teaching system
that makes it all work better.
So, what can you expect from the
IBABC’s Best Practices 2.0 program?
Committing to improving your business
requires that you be willing to examine
every aspect of your operation and,
more importantly, that you be prepared
to make changes if they are found to
be needed. Best Practices provides a
framework for undertaking a structured,
thoughtful examination of your business.
It will give you the tools to validate new
ideas and proven methods to successfully integrate those changes into your
business to gain maximum value. You
will be guided through a step-by-step
analysis of more than 20 specific change
areas that are intrinsic to the success of a
brokerage. No stone will be left unturned
as you look at sales, marketing, customer
service, operations management, HR
management and financial management.
Comparing and contrasting your results
with those of the Insurance Brokerage
www.ibabc.org
Fully secured markets
for B.C. brokers
• CGL – Small Contractors,
Special Events, E&O/D&O,
Pharmaceuticals, Excess/
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• Motor Truck Cargo
D&L
• Truck Physical Damage
• Logging Equipment
• Course of Construction
• Vacant Building
• Non-standard Homeowners
• Large Crime Limits
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• Hard-to-place risks
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Tel 604-988-5636 or 1-877-511-0050 • Fax 604-988-5630 or 1-877-646-0051
Email: [email protected]
Jay Dargatz President
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Frank
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Port Coquitlam
Jason
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Management
Management
Team
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Jim
Greg
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Port Chiasson
CoquitlamPort Coquitlam
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Pete
PortMorrison
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Jeff
Port Coquitlam
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Pete
Hoefsloot Surrey
Chris
Robert
Port Coquitlam
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Mah Port Coquitlam
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Port Coquitlam Head Office
BC BROKER august 2008 — PAGE 25
Now better than ever!
• More relevant topics
• All Canadian benchmarking
• Valuable for all top- and mid-level managers
• Business coaching included
Next classes start Oct. 16
Enroll today!
ibabc.org
Pre
Finamium
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avai cing
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Yachts &
Pleasurecraft
T
he next time you need a fresh quotation for your client’s sailboat or
power yacht, give Pacific Marine a call. Or if it’s a dayboat, sportboat or
runabout, trailerable or tied up, we’ll surprise you on these too.
We’re independent, service-oriented and tuned in to broker needs because
we are broker-owned — have been for more than 30 years. And with stable
rates, great claims service and flexible underwriting rules, we could just
become the marine market you might get used to!
Pacific Marine writes other risks too:
Marine liability • Cargo • Commercial marine
Yacht clubs, Marinas • Boatbuilders • Repair yards
For a fast quote please call underwriters Dan Kim or Nilanjana Mittra in Vancouver or Andy Friyia in Toronto or online quotes
available at www.pacificmarine.ca
Vancouver: 310 - 2800 E.1st Ave. V5M 4P3
Tel 604-251-7447 or toll-free 1-877-433-2628
Fax 604-251-7449
Email: [email protected]
[email protected]
Toronto: 207 - 1210 Sheppard Ave E. M2K 1E3
Tel 416-607-7087 or toll-free 1-866-619-1605
Fax 416-492-6863
Email: [email protected]
Underwritten by Pacific Marine; secured by CNA, Canada’s largest marine insurer.
PAGE 26 — BC BROKER august 2008
Profitability Study will reveal areas for
improvement and strategies to introduce
those changes into your business. You
will leave the program with a thorough
understanding of your operations, your
role in it, and a comprehensive plan for
the future.
Over the years, Best Practices participants have seen the value of their
brokerages appreciate dramatically. It’s
also worth pointing out that the program
encourages small, incremental, even
departmental changes rather than a
complete re-engineering of a brokerage.
It has been proven time and again that
these small incremental changes have a
dramatic effect on the profitability of the
Originally designed
for brokerage owners
and principals, IBABC’s
Best Practices 2.0
adapts the program
to provide real value
for all levels of senior
brokerage personnel.
office and generate returns that far exceed
the original investment in the program.
Here’s how one of the recent graduates of IBABC’s Best Practices program
described his experience: “The course
helped me realize there was an awful lot more
that I could be and should be doing to improve
my agency. The Best Practices course gave
me a new insight and perspective on how an
effective agency should be run. The group dynamics and discussion, in-house specialists
and the materials…provided the necessary
template to make the changes to improve
my operation. The course helped provide me
with the practical knowledge to give me the
confidence that the changes I was making
were necessary and going to succeed.”
Originally designed for brokerage owners and principals, IBABC’s Best Practices
2.0 adapts the program to provide real
value for all levels of senior brokerage
personnel. If you are a brokerage owner, a
senior member of staff, a branch manager,
a mid-level manager, or if you are likely
to be taking over the reins of a brokerage
soon, I encourage you to take the next
step in your education and personal improvement by enrolling in Best Practices
2.0, online at www.ibabc.org or by using a
printed registration form. You owe it to
yourself and your business.. H H H
Brian Bonsma is facilitator of IBABC’s Best Practices program and a full-time business coach.
www.ibabc.org
The 9th annual ON SIDE RESTORATION
LADIES ONLY GOLF TOURNAMENT hosted
132 registered golfers
at the beautiful
Carnoustie Golf
Course. This fun-filled
day grows steadily
year after year. Special
thanks to all of our
volunteers, prize
donors and sponsors.
This tournament is a
success with your
continued support!
www.ibabc.org
BC BROKER august 2008 — PAGE 27
exec. director...
Continued from page 5
prove the relationship, not only by your
IBABC board and executive team, but as
well by the many members who volunteer to serve on the various ICBC-related
committees and task forces.
You will be pleased to hear as well
that a great deal of effort is being shown
by all levels of management at ICBC
to improve communication and collaboration with your association and
brokers throughout the province. ICBC
management has increasingly seen the
value that the brokers of B.C. bring to
the table as the exclusive distributors of
the Autoplan product line. And for the
most part they have, and continue to
have, great respect for the partnership.
This year’s presentation at the IBABC
Annual Conference gave many a hint
of that and signalled again a desire
to plan and work together for overall
excellence.
Since the ratification of the Accord,
all parties have focused on processes
and opportunities for increased planning and collaboration. For example, in
addition to the Accord-prescribed work
on performance bonuses, a task force
is currently looking at point-of-sale
improvements for the mid to long term;
as well there is a committee to jointly
explore strategic marketing. A rather
historic meeting also occurred earlier
this summer where broker representatives met and explored strategic issues
with the ICBC Executive Committee.
As you can imagine, it was as much a
get-to-know-you session as a strategic
exploration; however, the morning discussion again reaffirmed the very real
value of working closer together, where
appropriate, on improving the system
and specifically the overall customer
experience.
Our business environment changes
constantly and in many instances, to
one degree or another, we can impact
our own change destinies. But again,
this doesn’t occur without planning,
effort and an ever-evolving, heads-up
vision for the future. Your association
will be keeping you informed and will
be looking for your input. Look for those
opportunities and participate. All of us
need to make the effort.
Combining that with increasing levels
of goodwill and healthy respect will assure the future of the vehicle insurance
product line and delivery system for the
benefit of the consumer of B.C. Simply,
we can make it the best it can be. [email protected]
In-House Professional Liability
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• Stand-alone CGL
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#100 1400 1st Street SW • Calgary, Alberta Canada T2R 0V8
Phone:(403) 263 4666 • FAX:(403) 237 9976
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Contacts: Russel Morrison, Lorna Hetherington,
John Taylor, Tracie Morine, Linda Moerkens
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INSURANCE UNDERWRITING PROFESSIONALS
PAGE 28 — BC BROKER august 2008
CGL...
Continued from page 16
appropriate liability insurance .
The apparent fear for MacRae and others is that the Montrose provision will be
strictly interpreted to eliminate coverage
the moment the insured becomes aware
of any covered damage. Common sense
and history dictate against such a strict
interpretation, as the most reasonable
interpretation of the clause, reading the
policy as a whole, is that the property
damage or bodily injury known to the insured must be of a sufficient magnitude
to trigger a reporting obligation under
any current or prior liability policy.
This fear also presupposes that courts
will find that the insured is on the hook
once the Montrose provision is triggered.
Such a result, while possible, is also highly
unlikely. Bear in mind that it is the courts
themselves that establish when the insured’s exposure begins and ends. The
very fact that four separate and distinct
trigger theories have been developed
speaks volumes about the willingness of
courts to adopt flexible triggers of coverage that allow judges significant latitude
in accessing insurance policies. In order to
eliminate any potential uninsured exposure created by the Montrose provision, a
court could, and likely would, simply set
the end of the insured’s exposure period
as the date that the Montrose provision
is triggered. Were such an approach
adopted, the only increased exposure to
the insured results if the insured’s limits
during the properly responding policy
years are inadequate.
The need for these policy changes arose
out of a need for fairness and clarity. Fundamentally, insurance cannot cover a loss
that was known to the insured prior to
the onset of an insurance policy. As such,
the Montrose provision does not add any
additional restrictions to coverage that
did not already exist through proper
application of the policy’s notice and disclosure requirements. With respect, any
perceived ‘additional’ coverage that MacRae and others see as available under the
former policy language, if it even existed
at all, was granted only through judicial
gymnastics. In the end, the Montrose
provision merely reinforces the historical
insuring intent of the CGL policy, and the
clause should not result in any dramatic
increase in exposure to insureds or their
brokers, as, if history is any guide, courts
will simply not allow it. H H H
Chris Dunn, [email protected], is a
partner with Dutton Brock, LLP, and a member of
both the Ontario and British Columbia bars.
Glen MacRae responds, page 17.
www.ibabc.org
Seminar Calendar
A u g u s t – N o v e mb e r
Burnaby
Sept. 30: Brokers E&O Loss Control
Seminar, all day
Oct. 8: Keeping Up to Date with Building
Bylaws (Updated), AM; Frontline Commercial Building Inspection, PM
Oct. 16: Risk Recognition – Property, AM;
Risk Recognition – Casualty, PM
Oct. 21: Developing Effective Risk Control
Reports, AM; Motor Truck Cargo Coverages, PM
Oct. 23: Construction Insurance, Part 1
– Property Coverage, AM; Part 2 – Construction Liability Coverage, PM
Oct. 28: Using the RCT High Value Calculator, AM; Commercial and Agricultural
Valuations Using ‘BVS Express’, PM
Nov. 6: Anatomy of a Claim – Commercial
Lines, AM; Insurance Law Update, PM
Nov. 18: Marine Insurance – Part 1, AM;
Part 2, PM
Cranbrook
Oct. 2: Developing Effective Risk Control
Reports, AM; Motor Truck Cargo Coverages, PM
Brokers Errors
& Omissions
Insurance
Call Diane Watson at 604-629-2670
1500 - 1166 Alberni St.
Vancouver, B.C. V6E 3Z3
Phone: 604-683-5583
Fax: 604-683-8032
Metrix Professional Insurance Brokers Inc.
[email protected]
www.metrixprofessional.com
Appointed broker for Insurance Brokers Association of B.C.
Announcing
new members
of the team
Craig Horton, senior vice-president of Claims for the Insurance Corporation of
British Columbia, is pleased to announce two new appointments.
Brian Jarvis
(LEFT)
Kelowna
Oct. 9: Special Liability Issues, AM; Errors
& Omissions Insurance – Non-broker
Coverages and Claims, PM
Nov. 4: Advanced Personal Lines, AM;
Home-based Business – Personal and
Commercial Lines Solutions, PM
Nov. 19: Beginner’s RCT EvaluRator, all
day
Nanaimo
Oct. 28: Special Liability Issues, AM; Errors & Omissions Insurance – Non-broker
Coverages and Claims, PM
Nov. 6: Contemporary Liability Coverages, Part 1: The Coverage Dilemma,
AM; Part 2: Exclusions and What to Do
About Them, PM
VICE-PRESIDENT OF CLAIMS, SPECIALIZED SERVICES
Prince George
Oct. 9: Risk Recognition, Part 1 – Property,
AM; Part 2 – Casualty, PM
Mr. Kirkner’s educational background includes a Bachelors of Arts degree from
Temple University in Philadelphia.
Victoria
Oct. 2: Construction Insurance, Part 1 –
Property Coverage, AM; Part 2 – Liability
Coverage, PM
Web Broadcast
Oct. 29: Clandestine Operations - Identification, Assessment and Remediation,
AM
Nov. 5: Understanding Financial Statements for Determining Business Interruption Coverage, AM Brian Jarvis has been appointed vice-president of Claims, Specialized Services.
Mr. Jarvis most recently worked for the Zurich Insurance Company, starting as
vice-president of Claims, moving up to vice-president of Claims, Operations and
most recently serving as the senior vice-president of Claims. He has also held
progressively senior positions at Allstate Insurance, Halifax Insurance and
CGU Group Canada.
Mr. Jarvis’ educational background includes a Bachelors degree in Political
Science from McMaster University.
Art Kirkner
(RIGHT)
VICE-PRESIDENT OF CLAIMS, FIELD SERVICES
Art Kirkner has been appointed vice-president of Claims, Field Services. Mr. Kirkner
has more than 30 years of experience in the Insurance industry. Most recently, he
was chief claims officer with American Safety Insurance Services. His experience also
includes senior vice-president of Claims for Selective Insurance, president of Claims
Management for the Hertz Corporation and senior vice-president of Operations for
GAB Robins North America.
icbc.com
We’re driven to ensure the well-being of drivers. We’re working
to keep rates low and stable, providing hassle-free service, and
proactively partnering to reduce crashes and loss.
www.ibabc.org
BC BROKER august 2008 — PAGE 29
!ICB268_BCBroker.indd
1
7/14/08
4:40:16 PM
president...
Continued from page 5
neighbouring ridings.
Even if you don’t consider yourself a
‘political’ person, volunteering is a great
way to get up to speed on the issues,
expand your network of contacts in the
community, develop leadership skills
and gain an understanding of how our
democratic process works. Who knows
where it could lead?
Last fall the New Democratic Party approved a plan to encourage more women
and under-represented groups to serve
in the party. Other parties, while not
Insurance Council
OF bRITISH COLUMBIA
Ken Hawley
The Insurance Council of British Columbia
(“Council”) is pleased to announce the
election of Ken Hawley, FLMI, CFP,
CLU and CH.F.C., as its Chairperson for 2008-2009.
Ken is Chairman of Rogers Group
Financial located in Vancouver, a 50
person independent financial planning
and investment firm that has been
serving clients since 1971. His career
in the financial services industry spans
40 years. He is active in the insurance
industry and has served on the executive
and board of directors of a number
of industry organizations, including
CALU, CLU, LUATC and Top of the
Table (“MDRT”). Ken’s involvement with
Council began in 1996 when he was
appointed as a non-voting member. Ken
became a voting member in 2004. Council is a regulatory body established
under the Financial Institutions Act,
responsible for the licensing and professional conduct of 22,800 insurance
salespersons, agents and adjusters in the
province of British Columbia. Its mandate
is to uphold the public interest in dealings
with insurance licensees by promoting
ethical and competent conduct. Council
consists of 11 voting members, with life
insurance, general insurance, adjuster
and non-industry representation. Council
members are appointed by the provincial
government. Council is supported by a
staff of 27 employees.
PAGE 30 — BC BROKER august 2008
codifying representation to the same extent, will likely be looking to increase the
diversity of their slate of candidates.
If you have aspirations of public office,
the nomination process is fairly easy.
Visit www.elections.bc.ca. An elected official with an insurance background is
always beneficial to the industry.
Support your party and candidate of
choice. Let them know what’s important
to you and what should be to them,
too. Most politicians have a layperson’s
understanding of insurance (at best)
and appreciate a professional who will
take the time to explain complex publicpolicy issues.
Let your IBABC area directors know
about your involvement. This helps your
association say strong, knowledgeable
and relevant as we continue to build our
political relations.
Many brokers make political networking a regular part of their community
involvement because they understand
the value of having the door open when
issues important to the industry and to
consumers arise. But don’t leave the task
to others – “I thought you were taking
care of that.” Important messages can
never be repeated too often, especially
in an election year when politicians are
extremely attuned to their constituents’
concerns.
In the fall activities will ramp up, and
two items high on our to-do list are:
In June, I lamented the delay of the
introduction and passage of the new
Insurance Act – Bill 40. We have had a
few chances at recent fundraising events
to urge MLAs to reintroduce Bill 40 if
there is a fall legislative session. One
encouraging note is that the B.C. and
Alberta bills are harmonized and were
introduced in their respective legislatures simultaneously, then both were
stalled, and now there seems to be some
forward motion in Alberta, so that may
bode well for us.
Second, we have received a few calls to
the IBABC office from members expressing their frustration with the valuations
coming from recent versions of RCT
software that have non-discretionary
40% increases built in for contractors’
profit and overhead. Our ITV Task Force,
ably chaired by Ted Lewis, is working
toward making recommendations for
industry-wide, best-practices solutions.
Keep sending us your examples of valuation anomalies; we’ll keep you posted.
Enjoy the balance of your summer.
We have a busy fall schedule and I look
forward to sharing with you our successes. Equally, I look forward to hearing
from our members on any issue that is
important to them. [email protected]
BIP promos
Watch for an order form
for BIP autumn
promotional items,
coming soon.
Index of Advertisers
Automotive Retailers.................................... 23
www.ara.bc.ca
Aviva............................................................. 16
www.avivacanada.com
Axa Pacific...................................................... 2
www.axa.ca
Bank of Montreal........................................ 17
www.bmo.com
Canada WorldWide.................................... 28
www.canadaworldwide.ca
Canadian Northern Shield......................... 32
www.cns.ca
Canstar Restorations.................................. 25
www.canstarrestorations.com
Coast Claims.................................................. 8
www.coastclaims.com
D&L Underwriting....................................... 25
Email: [email protected]
Family Insurance Solutions........................ 11
www.familyins.com
Gore Mutual................................................ 24
www.goremutual.ca
Guarantee Company.................................... 8
www.gcna.com
Guardian Risk Managers.............................. 4
www.guardianrisks.com
IBABC – Best Practices................................. 26
www.ibabc.org
ICBC......................................................... 14, 29
www.icbc.com
ING Insurance Co. . ..................................... 31
www.ingcanada.com
Ins. Institute of Canada................................ 9
www.insuranceinstitute.ca
Insurance Council of B.C. .......................... 30
www.insurancecouncilofbc.com
Metrix........................................................... 29
www.metrixprofessional.com
On Side Restoration.................................... 27
www.onside.ca
Pacific Marine.............................................. 26
www.pacificmarine.ca
Peace Hills Insurance.................................. 21
www.peacehillsinsurance.com
ProWeb Solutions....................................... 12
www.prowebinfo.net
Salute............................................................ 13
www.salutebc.org
ServiceMaster.............................................. 20
www.servicemaster.com
TIC Travel Insurance Coord........................ 19
www.travelinsurance.ca
www.ibabc.org
New
Additions
to our
coverage
You are
unique
Don’t let anyone take that away from you.
my name™ - Identity Theft Assistance Plus
Identity theft. What exactly does it mean? Identity
theft refers to all types of crime in which someone
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my name™ Identity Theft Assistance Plus provides a
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my name™ reimburses the costs associated with
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including:
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As of June 2, 2008 we have added the following
coverage enhancements with no increase in
premium:
s¬ Fees to replace Canadian government issued identification documentation (e.g.
passport, driver’s licence, birth certificate)
s The cost of credit profiles and 12 months of
credit monitoring from a credit bureau
s Reimbursement for legal fees associated
with recovering assets acquired by a
third party
s No daily limit for lost wages
Legal representation
Lost wages
Loan re-application fees
Notarizing documents
Other expenses such as long distance phone
calls, postage, courier etc.
INSURANCE
www.ibabc.org
BC BROKER august 2008 — PAGE 31
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PAGE 32 — BC BROKER august 2008
www.ibabc.org