Manitobabroker

INSURANCE Volume 24 Number 2, SUMMER 2016

BROKERManitoba

Introducing... IBAM’s NEW President TAR A CHAMMARTIN

2016 AGM, Conference & Trade Show Revisited

Reider Insurance celebrates 50 years

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CALL: (204) 949-9299 YOUR AFFORDABLE ELECTRICIAN VOL 24 | No. 2 SUMMER 2016 CONTENTS

Features Departments

YBN Report 18 Introducing IBAM’s NEW President 7 Rookie Corner 20 2016/2017 Board of Directors 15 Making an Impact 22

2016 Conference & Trade Show Revisited 29 Legal Corner 68

Business Corner 70 Special Report: Restoration Companies 45 Industry News 72

Reider Insurance Celebrates 50 Years 59 Reach our Advertisers 76

7 29 59

2016/2017 BOARD OF DIRECTORS The MANITOBA INSURANCE BROKER is published four times per year by Craig Kelman & Associates Ltd. on behalf EXECUTIVE COMMITTEE of the Insurance Brokers Association of Manitoba, President - Tara Chammartin, La Salle Insurance Services Ltd. 600-1445 Portage Ave. Winnipeg, MB R3G 3P4, (204) 488-1857, Chair/Past President - Russell Wasnie, ONE Insurance email: [email protected] President-Elect - Darren Peters, Oldﬁ eld Kirby Esau All rights reserved. Contents may not be reproduced without Vice-President - Ryan Garriock, Garriock Insurance express consent of the publisher. ©2016 Chief Executive Ofﬁ cer - David Schioler, IBAM

DIRECTORS Blair Andrew, Andrew Agencies Greg Barrows, Cameron Agencies Tony Cesario, HUB International Dwight Heppner, MIG Insurance John McDonald, BSI Insurance Editorial and Advertising Ofﬁ ces: Brett McGregor, Guild/HMS Insurance Group Inc. 3rd Floor, 2020 Portage Ave. • Winnipeg, MB R3J 0K4 Mario Reimer, Lakeview Insurance Tel: (204) 985-9780 • Fax: (204) 985-9795 Jamie Taronno, Crossroads Insurance E-mail: [email protected]

IBAC DIRECTOR Executive Editor...... David Schioler Keith Jordan, HUB International Managing Editor ...... Terry Ross

IBAM Managing Editor...... Margaret Hudson

Design / Layout ...... Daniel Goulet

Marketing Manager ...... Kris Fillion

Advertising Coordinator ...... Stefanie Hagidiakow

Publication Mails Agreement #40065075 Return undeliverable Canadian addresses to: [email protected]

Manitoba INSURANCE BROKER | SUMMER 2016 | 5 IBAM at WHL Awards Ceremony

IBAM CEO Dave Schioler (R), along with NHL legend 72 GP - 38 G - 82 A - 120 PTS - +41 - 30 PIM. The presentation Bobby Clarke (L), presented the Bob Clarke Trophy for was of particular significance to Adam and Dave as the Brooks WHL Top Scorer to Winnipeg’s Adam Brooks of the Regina and Schioler families are close friends – Adam and Dave’s son Pats. Adam had a marvelous season as his stats bear out: Dane played hockey together for many years.

OUR SPONSOR

The western provincial Insurance Goals Program continues to receive tremendous assistance from Wawanesa Insurance. Its support has allowed the associations to continue to expand their involvement in the WHL program including the Player Equipment Safety Program as well as grassroots hockey initiatives in every corner of each province. This collaboration continues to set higher goals to promote the broker channel. The support of Wawanesa Insurance and more than 2,000 member broker ofﬁ ces is the insurance goal that assures a win for all.

Thank you, Wawanesa Insurance.

6 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Introducing... IBAM’s NEW President

La Salle Insurance Services Ltd.

Q - Can you describe your previous work history and how those experiences helped you as a broker? A - Due to my interest in business courses in high school, I was selected out of several high school students for a summer term position as a secretary for the Fort Garry School Division. It was then that I learned that I enjoyed an office environment, and helping people when they asked for it or otherwise obviously needed it.

Q - How did you get involved in insurance? Describe La Salle Insurance Services Ltd. What is your current position? A - Twenty-three years ago, through a family friend, I learned about a receptionist type position available at a brokerage, and applied. I successfully obtained the position, and within a few months, I was enrolled in the Fundamentals of Insurance course. La Salle Insurance & Travel Services Ltd. has two locations, one located in the heart of Fort Richmond on Pembina Highway, and a second location on Main Street in La Salle, MB. Between the two sites, we have 14 staff and provide solutions for all P&C products, from Autopac to Commercial and Agricultural operations. My current position as Operations Manager (and soon to be partner), allows me to focus on our business operations, dealing with clients, and managing our staff, who are like family.

Q - What do you enjoy most about the industry? A - What I enjoy most about the business is dealing with people. Being able to provide solutions for customers is very gratifying. On the other side of that is the relationships you build with your insurance company providers and industry vendors. There is no better feeling than building and maintaining positive relationships with people.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 7 Congratulations Tara Chammartin

Enjoy your new role as President of the Insurance Brokers Association of Manitoba.

HOME

CAR

BUSINESS

Q - How did you become involved with IBAM? Q - What can you tell us about your Executive Can you put your commitment to the Association team and the IBAM staff with whom you will into a few words? be working closely? A - I became involved with IBAM in 1997 when the MB A - We have a wonderful Executive team in place. Everyone Young Broker Committee and Network were formed. I was is full of energy, commitment and passion for this industry an original member and became very involved right away. It – it is going to be a very exciting year for us. The IBAM staff was a great way to learn more about the industry and meet members are superb. They make things happen, and are fantastic people along the way. Through my experience on the always ready to help and provide answers to the membership, YBN Committee, I was able to become involved with IBAM and our board. Without the IBAM staff, we wouldn’t be able in other ways such as joining the Professional Development to do what we do! and Conference Committees. While involved with the PD Committee, I took it a step further after I achieved my CAIB Q - What would you like to say about the recent designation, and I became a facilitator for the CAIB Program in Conference, AGM and Trade Show? 2002 for many years. A - I think it has been one of the most successful events Q - What are the industry’s major issues and, hence, we have had. With record-setting attendance, that speaks your administration’s priorities? for itself. We have had so many compliments from brokers, vendors and insurer partners across the country – and that is A - On the top of our list, we will be doing what IBAM does what it is all about! The opportunity for all industry people to best, and that is political advocacy. With the recent change get together, mingle and form relationships with each other. in government, we will be further enhancing our relationship with the Premier, MLAs and MPs. Along with that we will Q - After the event, what was your first presidential be hosting a reception event at the IBAM Office to welcome duty? What was your first ‘AHA’ moment when the new MPI Board of Directors. We are also going to work it sunk in that you were President of this with our brokers and Insurer Partners in helping to understand prestigious organization? the importance of embracing the upcoming technology and A - I think that ‘AHA’ moment was when I stepped on stage digitization changes and ensuring that they adopt the trends after Dave Schioler introduced me at the President’s Dinner – to ensure future viability. that was the moment it hit me. My first duty as President was attending the IBABC Convention in Victoria, BC, where I was able to bring greetings to the IBABC membership and provide a Manitoba update for them.

Congratulations Tara Chammartin on your appointment as IBAM President!

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 9 Introducing... TARA CHAMMARTIN

Q - What can you tell the readers about IBAM’s Presidential Quick Picks new ‘first family’? A - I have a beautiful 19-year-old daughter. Cortney is a competitive dancer and spends about six-days-a-week at the Singer/Group: So many to choose from – studio on average. She is very committed and eats, sleeps and I would say anything from the 90’s breathes dance and performing. She has recently been asked to join her studio – Winnipeg Dance Force as assistant to the Movie: The Fast & Furious and The Avengers directors of the studio, and expanding her love of dance to others as a teacher and choreographer. Shane and I have been Book: Anything by Nora Roberts together for six years. He is a registered massage therapist at Meal: King Crab Legs Back In Motion. He is also an avid motocross and motorcycle lover, which allows us a lot of touring around and travelling Beverage: Everyone that knows me knows this to many places. Last year his motocross racing took us to answer: a Paralyzer (better known now as a Nashville, TN, where we stayed at the Loretta Lynn Ranch. ‘Taralyzer’) … LOL

Q - Away from the office and the boardroom, Ice Cream: Soft vanilla ice cream with how do you enjoy spending your time? caramel sauce

A - If I am not watching my daughter dance, in the summer, Holiday Spot: Mayan Riviera, Mexico you can find me either on a golf course, ball diamond or at one my best friend’s cabin in the Whiteshell. As far as winter Sports Team: Green Bay Packers activities, you can likely find me on a beach enjoying a margarita in Mexico with my friends.

Congratulations Tara Chammartin of La Salle Insurance

We congratulate Tara Chammartin of La Salle Insurance on her recent appointment as President of the Insurance Brokers The most heartfelt congratulations and all the Association of Manitoba. best wishes go out to the At Aviva, we work with brokers like Tara to newly elected IBAM president: provide customers with the right coverage based on their needs. Tara Chammartin, CAIB We’re proud of the strong broker partnerships we have in Manitoba and look forward to many more years of serving From your friends at: the community.

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10 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Congratulations Tara Chammartin, newly elected President of the Insurance Brokers Association of Manitoba.

We have now merged with Gregg’s Insurance with 2 New Locations in the West and North End. Now with 4 Locations to serve you better.

WINNIPEG SOUTH: WINNIPEG NORTH: WINNIPEG WEST: LA SALLE LOCATION: 30-2855 Pembina Hwy 865 McGregor Street 919 Notre Dame Ave 1-30 Rue Principale Winnipeg, Manitoba Winnipeg, Manitoba Winnipeg, Manitoba La Salle, Manitoba P: (204) 261-3430 P: (204) 334-4000 P: (204) 774-4000 P: (204) 736-2003 www.lasalleinsurance.com VIEWPOINT

Lorne Perry, President, Insurance Brokers Association of Canada

WFII provides a world-view

eople often mention to me that they hear a lot of international bodies they communicate with; the International the acronym WFII, however very few know what Association of Insurance Supervisors (IAIS), the Organization P it means and why it is important to the Insurance for Economic Co-operation and Development (OECD), Brokers Association of Canada (IBAC) and brokers in the UN, UNESCO, the Financial Stability Board (FSB), the Canada. The letters stand for ‘World Federation of Insurance Global Federation of Insurers Association (GFIA), the Geneva Intermediaries;’ it is the global federation of national insurance Association, as a few examples. These bodies are involved to broker and agent trade groups from more than 80 countries one degree or another in discussing and establishing high-level around the world. Much like IBAC is the national federation principles touching on regulations for the insurance industry. for provincial/regional insurance broker associations, WFII’s Their activities have been especially pro-active and voluminous members are the IBACs of the world. The federation has since the financial crisis of 2008, as major blame was, rightly existed for about 15 years and represents the interests of or wrongly, placed on the insurance industry. Issues related to more than 400,000 intermediaries doing around 95% of all solvency of insurers, capital standards, treatment of customers, insurance placements. WFII represents the interests of agents regulating of intermediaries, and so on. and brokers both on the P&C side as well as the life and A membership in WFII allows intermediaries to speak with wealth management side; this is representative seeing most one voice on issues that affect their businesses around the intermediaries are present in both sectors around the world. world. Insurance regulations, when developed or amended, As a member of WFII, IBAC participates in the lobbying need to be fair and promote the integrity of the entire and advocacy efforts undertaken by WFII to the various market on a country-by-country basis. A domestic Canadian regulatory approach is vital instead of an imported one. WFII advocates for greater global liberalisation of trade in the insurance intermediation market; international trade agreements are continuously monitored to ensure this principle is communicated and considered. Multi-national placements are becoming more and more common for intermediaries where coverages cannot be found in only one country. WFII advocates that consistent rules and treatment be accorded to intermediaries by national governments when such insurance placements take place. Remuneration of intermediaries is another issue that WFII speaks to. Some jurisdictions allow only commissions for insurance placements, while others allow only fees; some allow a mix of both. There is a recognition that every jurisdiction and market is different when it comes to remuneration, and that a one size fits all global approach is not appropriate, nor warranted. Every jurisdiction must carefully examine what is appropriate for their market and not be influenced by activities in another market. WFII also advocates that in order for trust to exist in any insurance relationship/transaction, there must be a certain level of transparency and educational standard of competence that a customer is afforded from their insurance intermediary. International bodies that develop standards and principles impact Canadian brokers. Both our federal regulator and all provincial regulators examine these standards; and in many cases changes are made to provincial regulations in order to conform to these standards. It is for this reason that WFII is a much-needed group allowing for intermediaries to speak with one voice; one voice is a lot more effective than several all saying the same thing. Through WFII, brokers in Canada ®*The Blue Cross symbol and name and Colour of Caring are registered marks of the Canadian Association of Blue Cross Plans, independently licensed by Manitoba Blue Cross. *†Blue Shield is a registered trade-mark of the Blue Cross participate in developing positions and communicating our Blue Shield Association. views to decision-makers oceans away.

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AUTO HOME BUSINESS FARM LIFE AND GROUP wawanesa.com Tara Chammartin supporter of the Selkirk Soup Kitchen Ryan Garriock President and Selkirk Youth Hockey. Vice-President Tara began When not working with his ONE Owner of her career as team, Russell devotes his time to Garriock an insurance wife Drinda and their two sons, Insurance broker in 1992 Blair and Cole. As the father of two and Anchor and is currently athletic boys, Russell divides his Agencies, Ryan the Operations time between hockey, lacrosse and has been in Manager of La family camping trips. the insurance Salle Insurance business since Services Ltd., Darren Peters 1988. At Garriock with three offices located in Winnipeg President Elect Insurance, Ryan’s primary functions and La Salle, MB. Tara achieved her Darren has recently include finances, human resources and Canadian Accredited Insurance Broker sold his interest mergers & acquisitions. He is involved (CAIB) designation in 2001, and has in both the retail in all departments of insurance. been a course facilitator for the CAIB brokerage he and Ryan has a diploma in Business program for many years. his partner owned Administration from Red River College, She has been very involved since 2008 as well a CAIB designation, and a CPIB with IBAM for over 20 years, as an as an MGA he and designation. He has sat on the board original member of the Young Broker his partners pur- of directors for the Manitoba Applied Committee, as well as the Professional chased in 2012. He Users Group and the Red River College Development Committee and the is currently planning on spending the Students Association. He is the past IBAM Conference Committee. summer with his two boys aged 8 and 6 chairman of the board for the Red River Tara resides just outside Winnipeg, at the cottage. Darren is getting involved College Alumni. Ryan was chair of in Grande Pointe, with her 19-year- in a variety of different enterprises such the Manitoba Young Broker Network old daughter, Cortney. When Tara is as Commercial Real Estate, technology in 2006 and aided in the development not watching her daughter’s dance applications for insurance purposes, and of the young broker network in both competitions, she can be found playing some philanthropic ventures. Darren has Manitoba and Canada. competitive baseball or on a golf course over 23 years of insurance experience Ryan has been married to Erica for improving her game. holds a Certificate in Risk Management, 13 years. They have a 9-year-old son, and Fellowship of Insurance. Darren Cole, and 4-year-old twin daughters, Russell Wasnie Spent 9 Years on the insurance company Abigail and Aislinn. They also have a Chair, Past President side and 13 years on the broker side. Black Lab named Murphy. Russell has Darren has been a Past President with Ryan’s hobbies include travel, worked for ONE PLAN – Professional Liability Agents fishing, going to the cottage, boating, Insurance Group of North America, as well as a previ- camping, building/fixing things and for over 20 years, ous board member of Entrepreneurship hockey. His burning desire is to travel the last 11 as Organization Manitoba Chapter, and the world. Branch Manager a layperson on the Professional Interior for ONE’s largest Designers Association of Manitoba. Blair Andrew location in Selkirk. Darren is married with two sons. In his Blair joined He is currently personal time he enjoys outdoor activi- Andrew Agencies Director of Industry Relations for ties such as golfing, running, biking and in 1986 becoming ONE Insurance Group. kayaking and in the winter snowmobil- a partner in 1993. A life-long resident of Selkirk, ing and cross-country skiing. He is also He currently is the Russell believes in supporting the very active in his two sons sporting Chief Operating community. He serves on the local activities coaches soccer and manages Officer of Andrew Chamber of Commerce, and is a proud their respective hockey teams. Agencies.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 15 With Andrew Agencies serving 17 Tony served as president for the together always includes a lot of fun locations in Manitoba and Saskatchewan organization and also had the honor and laughs. As a family they love Blair is also VP of IBAS board. of receiving the Vince Bova award being the hosts and are always having He enjoys piloting his Cessna 210, for exemplary service within the friends and family over to spend time hunting, golf, baseball and snowboarding Italian community. He later received together. When Dwight is not at home (and going on short-term mission trips). the CIPBA Professional of the Year or at work, in winter you will find him Blair and his wife of 24 years, award in 2005, which is awarded at the arena playing hockey or watching Debbie, have three children Nicole to an individual who consistently Danyel and Cameron play Clippers (21), Carson (20) and Brock (18) and a contributes to their field of expertise hockey. In the summer, he spends daughter-in-law, Mia. and successfully achieves their goals. weekends at the lake, but during the In his off time, Tony enjoys week if he’s not watching his girls play Greg Barrows spending his summers at his cottage soccer he’s either playing Slo-pitch with Greg was raised in the Whiteshell with his wife and his wife on their house league team or in southwest two daughters. out on the golf course. Manitoba. He attended Brandon Dwight Heppner John McDonald University, Dwight joined John and wife graduating in 1999 MIG Insurance Louise have a son with a B.Sc. in as an Insurance age 45 (married Biology. He then Broker at the with three worked four years Winkler location children), a son 42 in the agricultural and biological fields. in 2002. Nine and an adopted Greg became life insurance and years later, his daughter of 35 mutual fund licensed in 2001, later position with (married with one attaining a level 2 General Insurance MIG morphed child). John and license in 2004 and becoming a partner into an IT role within the company, Louise moved around some as he was in Cameron Agencies. helping users get through some in the Canadian Air Force. He is presently involved in all of the technical issues they were John got into the industry in general insurance areas of the business. experiencing within their daily Toronto with Mutual Life in 1972 In addition, he spends time in Life workflow. The demand for this when he was named Rookie of the insurance, wealth management and is role within MIG became a full-time Year. After five years, the McDonalds Branch Manager. position and Dwight took on the IT moved back home to Manitoba. (John Greg is married, has two children, Manager role. As the IT Manager is from a farm near Strathclair and and resides on a farm near Hartney. He for MIG Insurance Group, he spends Louise is originally from Gimli.) is an avid outdoorsman; however his his time supporting and training John worked at Xerox in Winnipeg, true passion is building, managing and the MIG brokers located in the 10 moved to Brandon to run his own protecting all aspects of clients’ wealth different offices in Manitoba so they business, and then became a Sun and wellbeing. have all the tools necessary to make Life agent. He later moved back to their jobs easier. The experience he Winnipeg with Excelsior Life. Then Tony Cesario gained from being a broker for nine the opportunity to join forces with Tony has 30 years years at the MIG office in Winkler Earl and Rhoda Cook as their life agent of experience in and working within the day-to-day came and John got his general license. the insurance routine was invaluable to him in his John’s farm background leads him to industry and is role as IT Manager. He has been very doing most of his business within the currently the Chief involved with IBAM over the last agricultural community and that led Operating Officer/ 10 years as a Past Chair and member him to Ranger and eventually landed Chief Marketing of the Young Broker Network, as him at BSI in 1995. During this time Officer of HUB well as being involved in the IBAM/ John obtained his CAIB designation. International MPI Committee. He has served on the board of Winnipeg. Over the course of his Dwight was born and raised Big Brothers of Brandon, Kinsman career, Tony has achieved his Canadian in Winkler, and started his family Club of Brandon, as deacon in his Accredited Insurance Broker (CAIB) in Plum Coulee where his wife church and on two different church designation as well as his Associate Meagan grew up. They now reside building committees, chaired and is in Insurance Production Canada in Niverville, 20 minutes south of currently on the board of Hockey (AIPC) designation. Winnipeg. Away from the office he Ministries (Winnipeg) since 1981, Tony is an active member of the enjoys spending time with Meagan heavily involved in hockey as a Italian community in Winnipeg and his two girls: Danyel, 9 and player, WHL scout and has coached and has been a part of the Sons Cameron, 6. Anything from floor for close to 31 years including three of Italy Garibaldi Lodge since his hockey, colouring, board games or years Junior A and five years early twenties. From 1997 to 1998, going out to the movies, their time Major Junior.

16 | SUMMER 2016 | Manitoba INSURANCE BROKER Index John and Louise are now ‘empty ever since working in every department Jamie lives in the West End of nesters’ and love it, although the and presently leading the Commercial Winnipeg with his beautiful wife Tara. nest gets busy with children and department and managing the office When he’s not working, rehearsing or grandchildren – two girls (11 and 8) in Winnipeg. He received his CAIB performing, he spends his time sitting and a pair of 3-year-old boys. designation in 2009. quietly and catching his breath. One day Presently Lakeview Insurance has he plans to learn how to golf properly. Brett McGregor seven other locations throughout Brett McGregor Manitoba and Western Canada, which Dave Schioler was born keep Mario and his business partners Chief Executive Officer and raised in busy. Mario and older brother Dave holds a Wawanesa, Anthony have become shareholders in Masters in Business Manitoba. He the business and together with Dad Administration graduated from Sid, and Tim Friesen and Kris Plett, from the Queen’s the University of they are enjoying life in the insur- University School Manitoba with a ance industry. of Business, a Juris B. Comm. (Hons.) Mario joined the IBAM Board in Doctor degree from degree in 2003. Brett’s commitment April 2012 and had previously served Dalhousie (Schulich) to education has continued through for 12 years on the Young Broker Law School and his insurance career with completion Committee, including Committee Bachelor of Arts (HONOURS - Political of the CAIB designation in 2004, Chair as well as Chair of the National Studies) and Bachelor of Education Chartered Insurance Professional Young Broker Committee. Mario degrees, both from the University of (CIP) designation in 2006, Fellow also sits on various golf tournament Manitoba. Dave is a former professional Chartered Insurance Professional committees and is heavily involved in hockey player and currently a long in 2009 and Master of Business the Southdale Community Club. time member of the world renowned Administration (MBA) in 2014. Mario has 3 boys, Jackson 10, Winnipeg Steelers Hockey Club. A Brett has been in the insurance Kieran 9, Mikiyas 7 and has been lawyer of 25 years, Dave has spent business since 1998 and is now coaching their hockey teams, which the last 15 years as an executive with President of the Guild/HMS Insurance has become his new passion. In his various Canadian business interests, Group Inc., an independent, locally spare time, Mario enjoys golf, water including his current role as IBAM owned insurance brokerage with skiing, and keeping his yard in shape. CEO. Throughout 2006-2012, Dave 55 employees and six locations in was featured with his executive teams Manitoba. Brett also enjoys giving Jamie Taronno and with young Association members back to the community as a past Jamie began his in the Winnipeg SUN’s “Manitoba member of the 2010 Memorial Cup career in 2004 Profiles in Business Excellence.” As organizing committee, Past-Chair directly out of an ‘Associate’ of the Asper School of of the Brandon Area Community high school. He Business at the University of Manitoba, Foundation, as well as coaching sports obtained his Dave is involved in many business, and other community volunteering. Canadian CAIB professional and community activities, Outside of Guild/HMS, Brett is designation in including current service as Chair of married to Amanda and together they 2011 and his Life the Riverview Capital Campaign to have three amazing children, Kai, license in 2012. In raise funds for a new Alzheimer’s & Chase and Isla. Brett enjoys playing 2014, he served on the Young Brokers Dementia Unit, and past service as a sports of all kinds, spending time in Committee, during which time he Board Director on the Manitoba Liquor the winter on the curling ice, and developed and contributed to the advice & Lotteries Corporation, as Chair of summers at the lake. column in their quarterly newslet- Legal Aid Manitoba and as a Director ter. He is currently the Office Manager on the Boards of Special Olympics Mario Reimer at the Tyndall Park branch of Cross- International, Special Olympics Canada, Mario grew up roads Insurance and spends his time Special Olympics Manitoba, Deer Lodge a city boy with running the office and securing new Hospital, St. James-Assiniboia Chamber country roots, home, commercial and life business. of Commerce and other organizations. spending summer Jamie is also a professional In 2010, the Prime Minister appointed and Christmas musician, and his music has been Dave to Canada’s National Parole Board. holidays working featured prominently on ABC’s A four time Provincial ‘Sports on the family hog hit drama Rookie Blue and was Excellence’ award winner, Dave for farm in Landmark, nominated for a Western Canadian a number of years coached his sons’ MB. After receiving Music Award. He enjoys playing hockey teams in Winnipeg. Dave his College Degree from Briercrest keyboard in local bands Quinzy and was born in Montreal, Quebec. He is College in Saskatchewan in 1997, he Indicator Indicator, and has been married to Sharon Clarke from Belfast, joined the family insurance brokerage known to play the occasional freelance Northern Ireland – together they have Lakeview Insurance. He has been there gig when the mood strikes. three sons: Jordan, Connor and Dane.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 17 YBN REPORT

Brandi White, MIG Insurance, Young Broker Committee Chair

Growth, pride and ownership

’m excited to say it’s been a very exciting time for the YBN. I have It’s been said that Manitoba throws I seen nothing but growth, pride and ownership in the future leadership of this the best convention in the country, group. I’m sad to say that this will be my last report as YBN Chair. However, I will and each year only gets better! be handing over the reigns to Miranda Matheson for 2016-17 and YBN is This May, we wrapped up another Convention & Trade Show. Thanks so going to be in amazing hands. She is successful YBN Clothing Drive. With much to all our committee members for a wonderful mentor and I have every the help of our insurance partners, your efforts volunteering throughout confidence that she will only continue to brokerages, families and friends, the three-day event. Thanks also to add to the enthusiasm and momentum from across Manitoba, we donated the ushers, who were a tremendous created thus far. a remarkable amount of clothing to help at the President’s Dinner. We’d On March 11, the YBN hosted its the Siloam Mission (www.siloam.ca), a encourage any Young Brokers to attend annual Bowling event. Jessica Sumabil non-profit group acting as a connecting Convention, as it is such an amazing and Chelcie Scott did an amazing job point between the compassionate and industry event to network, have a good organizing. I’d like to thank them for Winnipeg’s less fortunate and The laugh or two, and, of course, get some all their time and effort. Our charity Clothes Closet (www.swfic.org/closet.html), CECs. If you’ve never been, I highly this year was the Bravestone Centre a program that provides work recommend coming to it next year. It’s (www.bravestonecentre.ca) – formerly appropriate clothing to women who been said that Manitoba throws the best W.I.S.H. Inc. (Women in second stage have either left an abusive situation or convention in the country, and each housing) – a non-profit charitable who are in a job training program and are year only gets better! organization providing women and their preparing for job interviews. We’d again children affected by domestic violence like to thank everyone who participated, with full-time counselling and support and a big ‘thank-you’ to Jessica Sumabil programs. As always, this event was and Mohammed Subhan for their sold-out, with $1,600 raised for this amazing job chairing this year’s event. very deserving organization. Thanks to our donation sponsors, volunteers, and everyone who attended the event.

We have a few volunteer opportunities coming up: IBAM/YBN Dale Rempel Memorial Golf Tournament on August 24, and then Brush-Up Winnipeg, Professional Development (Date TBD), Rumor’s Comedy Club Night (December), and the Christmas Cheer Board - Hamper Delivery. Congratulations to new IBAM Are you interested in being a part of President Tara Chammartin. Tara YBN? Are you looking for volunteering used to be a part of the YBN and was opportunities or a way to make friends an integral part of creating the YB in the industry? If so, contact Vanessa Committee. Thanks, Tara, for your Vokey, YBN’s Membership Coordinator continued support of the YBN and your at [email protected]. Like us on Facebook time dedicated to Manitoba brokers. (facebook.com/MBYBN) or Follow us on This year, we had an amazing turnout Twitter (@YBNMB) to keep up to date of young brokers attend the 2016 IBAM on everything YBN.

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LINDSAY KLIEWER Wyatt Dowling Insurance Brokers

Q - Where were you born and raised? Q - What has been the most enjoyable Q - Have you considered joining the A - I was born in Dauphin, but grew up part of the insurance industry? Young Broker Network? in McCreary. After high school, I moved A - The best part is the people! I’ve had the pleasure of being in the YBN to Winnipeg. From our loyal clients to our team since the fall of 2015. It’s a great group of members, they are what make this individuals and I have learned so much Q - What were your career goals industry special. My office has such a from these talented brokers! as a child? wonderfully talented group of people. A - Each year, sometimes each month, I love working with them (and learning Q - Are you planning on pursuing any it changed. I started out thinking I’d from them). Our loyal clients are PD programs in the future? become a famous rock star or movie star. always challenging us to think outside A - At this time I have no immediate Once I realized I had no musical or acting the box and come up with new and plans, however I would like to explore the talent, I decided to start exploring other better ways to better assist them. CPIB or CIP courses. With our industry options. My aspirations ranged from a Clients can brighten our day with their constantly evolving, I’m always open any hairdresser to a marine biologist. silly jokes or make you feel like you learning opportunity that is available. have taken a weight of their shoulders. Q - Which high school did you attend? Our days are never the same and we are Q - What are your future career goals? A - I attended McCreary School from constantly learning something new. A - Currently I am the Assistant Manager Kindergarten all the way through Grade at Wyatt Dowling Insurance (Kenaston) 12. I attended the University of Winnipeg Q - What has been the most challeng- and I’d like to continue along the path after high school; but found the college ing part of the insurance industry? towards management within the life wasn’t for me. Going back to school A - While the constant changing nature company. I’d like to gain more experience has always been something I’d love to do. of our industry is one of the reasons it and knowledge in both the insurance and is so exciting, it is also what makes it management fields. Q - When did you start in the the most challenging. We are always insurance industry and how did you being introduced to new products or Q – How do you enjoy your downtime? get involved? procedures and then having to adapt. A - I love spending time out at the lake A - I started in the summer of 2006. I’d Just when you’ve got something down, and taking road trips to visit family been working in retail, trying to decide there are five new things to learn about. and friends. I love watching movies on what it was I wanted to do for the rest This is a challenge I relish! Netflix or at the theatre. My fiancé and of my life. At the time, some of my I get together regularly with a group of family, who were already in the business, Q - Who have been your mentors? our friends for ‘board game night.’ We’re expressed how exciting insurance could A – I’ve been very fortunate to work always trying to find new and different be as a career option. with some truly amazing people. games to try. They’ve all contributed in their own Q - Describe your first day of work unique way and I know I wouldn’t and early impressions of the industry. be where I am without them. My A - I was terrified! I thought, “There is manager, Kathy, has been someone no way I am going to remember all of I look up to and respect immensely. this information!” However, from the She has always demonstrated what a first day, I knew this would be an exciting leader should be and shown me that industry and I’d always have new no matter what your position, you are challenges. I found it full of people who an important member of the team. She were passionate and eager to help the taught me how a leader can encourage next generation succeed. and inspire a team to succeed.

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Index Manitoba INSURANCE BROKER | SUMMER 2016 | 21 MAKING AN IMPACT In the Community IBAM-WHL Jersey Contest Happy jersey winner Brady Friesen of 2016 WHL TEAM JERSEY CONTEST Lakeview Insurance presented a Brandon YOU COULD Wheat Kings Jersey to lucky winner Joan Schultz recently. Joanne’s name has been WIN A TRIP TO put into a draw for the grand prize of a SEE THE STARS trip to Red Deer, Alberta to see the 2016 Mastercard Memorial Cup. Enter To WIN Our WHL Team Jersey It’s the perfect WIN-WIN situation. Enter now for your chance to WIN our WHL jersey. If your name is drawn it will be entered in the provincial draw with other jersey winners. You could WIN a trip for two to the MasterCard Memorial Cup. Imagine the most exciting hockey tournament in the country with future pro stars. Ask your Customer Service Representative for an entry form.

MASTERCARD MEMORIAL CUP TRIP INCLUDES:

• Airfare and shared accommodation • Playoff Game Tickets • Expenses Trip valued at over $5000

Tournament Dates: May 19–29, 2016

Why is T.J. smiling? Cameron Agencies is pleased to report that the winner of their IBAM-WHL Jersey Contest was T.J. Emrick. Congratulations T.J.!

The WHL Jersey Contest is brought to you by this brokerage and the Insurance Brokers Associations of British Columbia, Alberta, Saskatchewan and Manitoba. No purchase necessary; limit one entry for each customer family visit. Contest limited to customers of the brokerage where this notice appears. Jersey Draw will take place the week of April 18, Grand Prize Draw the week of April 25 and winners will be notiﬁed by telephone and asked a skill testing question within 72 hours of the draw. Prize substitutions will be at the discretion of the Insurance Brokers Association.

Andrew Agencies Grand Opening Andrew Agencies held a Grand Opening and Customer Appreciation BBQ on May 26 to show off the brokerage’s new office in Virden. IBAM’s Olivia Doerksen was on hand for the festivities.

Dave Dubé, Manager Gary Pilloud, Manager Unit 5 – 5 Scurﬁ eld Blvd. 7A - 2010 Currie Blvd. Winnipeg, MB R3Y 1G3 Brandon, MB R7B 4E7 Phone: (204) 985-1200 Phone: (204) 728-6126 Fax: (204) 475-0221 Fax: (204) 728-6044 E-mail: [email protected] E-mail: [email protected] (L-R) Chris Kennedy (Andrew Agencies), Olivia Doerksen (IBAM) and Blair Andrew (Andrew Agencies)

22 | SUMMER 2016 | Manitoba INSURANCE BROKER Index MAKING AN IMPACT

IBAM & Habitat for Humanity Recently, Habitat for Humanity had the privilege of presenting Zaina, Papy and their four beautiful children with the keys to their new home. Thank you to everyone who came to celebrate this special occasion and a special thanks to sponsors Waawanesa, IBAM, Team Insurance Brokers, College of Registered Nurses, Enterprise Holdings, Priority Olivia Doerksen Restoration and HUB International. represented IBAM at the ceremony (far right).

Red River and BSI face off for Play Land On Tuesday, February 23, 2016, representatives from Red River Mutual and BSI Insurance Brokers faced-off against each other in a fun hockey game to raise funds to help build the Altona Elks Play Land that will be constructed in the Millennium Exhibition Centre in Altona. Staff donations were matched by both Red River Mutual and BSI Insurance, which raised a total of $3,000 for the Altona Elks Play Land. When asked about the choice to support the Altona Elks Play Land, Brian Esau, President and CEO of Red River Mutual, said, “It’s great to support a local need right here in our community. The play land will help provide a safe and fun environment for children to play in and this was a fun event to raise funds for that purpose.” Our Expertise. Your Advantage.

We are the perfect fit if you... Are a self-starter willing to invest time and energy to learn the technical aspects of our business. Believe in integrity and building success by developing Pictured are the Red River Mutual and BSI relationships with others. Insurance Brokers hockey teams. Have an entrepreneurial spirit and are challenged by the opportunity to build your career. Seek challenges and seize opportunities. Have a desire to help others protect their future. HUB wants you... Robin Steel,Chief Human Resources Officer Insurance Services Ph: 204-988-1195 Kim Batchelor of Red River Mutual and Rob Depres, CEO of BSI Insurance Brokers presenting the cheque to Guy Mullen and Rita Apply online today. www.hubinternational.com Wiebe of the Altona Elks.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 23 MAKING AN IMPACT In the Media Who’s Who: Women in Business

Winnipeg Free Press

24 | SUMMER 2016 | Manitoba INSURANCE BROKER Index MAKING AN IMPACT

Winnipeg Free Press - Susan & Brent Lethbridge, The Standard Insurance Brokers (West) Ltd.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 25 MAKING AN IMPACT In the Media

Cottage season is almost here. It’s time to remember your home is where our heart is.

Vision – An instrumental ingredient in business & life success DAVE SCHIOLER Insurance for all your needs

It is difficult to find a person who became how of things should always be HOME BUSINESS TRAVEL RECREATION It is diffi cult to fi nd a person who became goals and necessary actions of afound business in successful out of pure luck. On the contrar y, a company’s vision successful out of pure luck. On the should inevitably changestatemen overt. And timethe if contrary,most successful most people successful have vision. people haveIt goals and necessary actions of a business normally follows that a business will be the organization is to adapt and remain vision. It normally follows that a business shouldsuccessful. inevitably Therefore, chan visionge over timestatements if willmuch be mo muchre successful more successfulwhen it ha whens within it has it the organiza tion is to adapt visionary leadership should be reviewed and revisedand from rema timein 3 locations for your convenience. within it visionary leadership.. successful.to time as Th requirederefor e,so vision as to statements develop and should be reviewed and revised from time I like to think of vision as meet the changes sought and needed. I like to think of vision as a mentalmental map map to time as re quired so as to develop and that will allow Seasons of Tuxedo St. James that will allowits its holder holder to petorsever persevereeand meetAt IBAM,the changes having sought a andvisionary board achieve well needed. and achieve wellbeyond beyondthe nor them. norm. It is well It is of directors has enabled us to grow known that Thomas Ed 9-660 Sterling Lyon Parkway 1855 Ness Ave well known that Thomasison failed Edison miser failedably Atsubstantially IB AM, having over thea visionar last fewyboard years. miserablythousands of timesthousands un of times until til he ultimately ofWhen directors I hasstarted enable at thed usAssociation to grow 204 505 6890 204 925 7850 heinve ultimatelynted the light invented bulb. the light bulb. Michael Jordan got substanapproximatelytially over ten the last years few yeago,ars. the When then Michaelcut Jordan got cut from his high from his high school basketb all team Istarboardted ofat thedirectors Association had approximately a specifi c and school basketball team – and then look – and then lo ok what happened. The NHL tenunitary, years agKevino, the Costner then board mindset of directors believing; Garden City Shopping Centre whatbanned happened. Bobby Hull The from NHL banned Bobby ‘If you build it they will come!’ Well we did participating in had a specific and unitary, Kevin Ko stner Hullthe famed from 1972 participating Ca nada-USSR in the Summit famed & they have. Following this vision, IBAM 2305 McPhillips St. 1972 Canada-USSR Summit Series – and mindset believing; ‘If you build it they will Series – and then the WHA was born & methodically took action – obtaining then the WHA was born & the Winnipegthe come!’ Well we did & they have . Following Winnipeg Jets, Edmonton Oilers and other the necessary resources (both human 204 925 8620 Jets, Edmonton Oilers and other teams this paradigm, IBAM methodically took teams ultimately became NHL franchises. & monetary), developing and following ultimately became NHL franchises. action – obtainin g the necessary resources On June 12, aggressive marketing plans, playing the On June 12, 1964, NelsonNelson Mandela (both human & monetary), developing received a life sent right politics and playing politics right received a life sentenceence forfor committing committing and following aggr essive marketing plans, sabotage against South Africa’s apartheid – and helping member brokers with sabotage against South Africa’s apartheid playing the right politics and playing government. Avoiding a possi visibility in their communities. government. Avoiding a possibleble death death politics right – and helping member br okers sentence, Mandela later became Presiden sentence, Mandela later became Presidentt withIt is visibility of notein theirthatcommunities. one of the more of South of South Africa.Africa. BeyBeyonceonce Knowles leftleft signifi cant IBAM mission pieces is ‘to Destiny’sDenstiny’s ChildChild toto reach out out on herher own. own. Itensureis of note that that Insuranceone of the moreBrokers signi arefica thent ThereThere cancan be be no doubtno doubt that all that of these all of these IBAMprimary mission providers pieces isof insurance‘to ens ure services that individualsindividuals had had vision. vision. InsuranceBrokersaretheprimaryprovidersin Manitoba’. This mission has been ofcontinually insurance serv realizedices inover Ma thenitoba’ years,.This but Whether it’s your new toy on the lake or your Wh Whatat ababoutout vision vision as asre relatedlated to successto successin missionthis has ha onlys beenbeen continuallythe case due realized to the inbusiness? business? Bill Gates Bill dr Gatesopped oudroppedtofHarvard out ovunderlyinger the years and, but overriding this has only IBAM been thevision - cottage, we have insurance options for you. ofto pursueHarvard to pursue a dream & build a dream & build Microsoft .Itis casemaintaining due to the underlIBAM’s roleying andas the overriding Industry Microsoft. It is surely diffi surely difficult to argue that cult Warren to argueBuffet IBAMAuthorityvision in - ma Manitoba - Advocating that Warren Buffet doesn’t have vision! In intaining IBAM’s ro le doesn’t have vision! In fact right here at asChangethe and Ensuring Choice for fact right here at home we have current Industry Authority in Manitoba - home we have cur rent visionaries who AdvocatingManitoba Changeinsurance and Ensuringconsumers. Choice IBAM visionarieshave become who winners have and sensationsbecome winners would clearly not have achieved its . Just for Manitoba insurance consumers. IBAM andlook atsensations. what Just look at what Brock lofty and continuing objectives without Brock Bu lbuck is doing at Boyd would clearly not have achiev Bulbuck is doing at Boyd – what Doug the collective vision and wisdomed its lofty of – what Harvey, Albrechtsen and Tolaini and continuin g Harvey continues to create at Maxim its Board and membership,objectives without who havethe continue to create in trucking and beyond - collective vision and wisdom of its – or what Diane Gray has planned for together always displayed a willingnessBoard what Diane Gray will do with Centr ePort -or CentrePort. Our own industry – the andto bemembership, bold. Acting who in have the to interestsgether of what Ma rk Chi pman has done with and has business of insurance – is also currently alwaysManitobans displaye hasd a willingnessbeen the key to be – bold.and that planned for True North and Winnipeg. Our realizing the benefi ts of visionary Acis theting inwhy the and interests how! of Manitobans has own indus try – the business of insurance leadership on many fronts. been the key – and that is the why and how! – is also currently realizing the benefits of Goodvisionary businessesleadership on manyhave fronts. missions DAVE SCHIOLER IS THE CEO OF THE INSURANCE inclusive of the what and who of their BROKERS ASSOCIATION OF MANITOBA Good businesses have missions organizations; but vision is something (IBAM), ITSELF WITH 2,000 MEMBERS, A inclusive of the what and different - something more. whoThe ofwhy their and MAJOR PL AYER IN A CANADIAN NETWORK OF organizations how of things; shouldbut vision always is something be found in APPROXIMATELY 36,000 PROPERTY AND CASUALTY Start your quote at waggonerinsurance.ca adifferent company’s-something vision more.statement. The whyAnd and the INSURANCE BROKER S.

26 | SUMMER 2016 | Manitoba INSURANCE BROKER Index MAKING AN IMPACT

“I don’t care if it matches,” said No Customer Ever Complex Commercial Risk and Most insurance policies only fix the part that’s Broker’s E&O broken – leaving your customer with different siding SPECIALISTS on different parts of their house. SGI CANADA’s Prestige home insurance, however, offers a full replacement feature. If the same materials aren’t available, we’ll replace the rest of the flooring, siding, roof, or vehicle entry doors to match the new stuff. Dave Weinberg CIP No one will ever know there was a claim. Western Regional Manager Direct: 604-678-5405 [email protected]

www.tsw-management.ca Contact Broker Partnership Toll-free: 1-866-904-8146 Fax: 604-678-6882 t at 204-925-9200 for more 200 - 1177 W Hastings St, Vancouver BC V6E 2K3 information about Prestige.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 27

Index 2016 IBAM CONVENTION • Revisited

30 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 31 2016 IBAM CONVENTION • Revisited

32 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 33 2016 IBAM CONVENTION • Revisited

34 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 35 2016 IBAM CONVENTION • Revisited

36 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 37 2016 IBAM CONVENTION • Revisited

Johnny Reid grabs the camera from our photographer and snaps some pics of the crowd.

38 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 39 2016 IBAM CONVENTION • Revisited

CAIB Award winner Connie Van Dishoorn (Way-Mar Agencies Ltd.), Maggie Hayward (JK Insurance) won the FOI Highest Mark Award “Top Studnent in Manitoba,” with presenters IBAM President Tara Chammartin and IBAC President Lorne Perry

2015-2016 CAIB/CPIB Graduates

40 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Forward Daniel Taillefer of the Steinbach Pistons was named the recipient of the 2016 IBAM-MJHL scholarship. Daniel, a native of La Broquerie, was 4th on the Pistons in scoring with 22 goals and 59 assists for 81 points in 60 games. (He added another 17 points in 16 playoff games.) In the regular season, Daniel only received 2 minutes in penalties over those 60 matches, which led to him receiving the Lorne Lyndon Trophy, given to a player demonstrating tremendous hockey ability and sportsmanship. Daniel played in nearly every game over his five seasons with the Pistons, totalling 298 games played – second all-time in the MJHL. He holds countless Steinbach Pistons team records. Our scholarship winner has spent many hours volunteering and taking university courses while balancing life as a hockey player. His goal is to continue to further his education while playing hockey at the collegiate level. Good luck with that goal, Daniel, and congratulations!

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 41 2016 IBAM CONVENTION • Revisited

Canada’s former Ambassador to the US Gary Doer, IBAM PresidentTara Chammartin, IBAM Peter MacKay, Darryl Levy, John Mitchell, Greg Sommerville, Peter MacKay, Duane Sanders, ManitobaCEO Dave Schioler,The Honourable Peter MacKay &The HonourableInsurance Candice Bergen. Jeff Goy, Brokers Jennie Moushos & Gene Paulsen Shake TheBrian Esau, DonThompson Fairmont & Laura Wiebe

The Fairmont was buzzing the week of April 23rd building business relationships, and the as the Insurance Brokers Association of Manitoba recruitment and training of quality professionals held its annual week-long convention. On in order to ensure that brokers remain the Wednesday, over 1,200 industry patrons enjoyed primary choice of Manitobans in terms of theTrade Show & company Hospitality Suites well insurance distribution. Chammartin stressed that into the night.The 800 attendees at the President’s the guarantee of choice and professional advice Gala onThursday evening included many of is of paramount importance in terms of fulfilling the city’s brokers, underwriters, adjusters, restoration companies and contractors, lawyers, politicians, media and other industry partners. Representatives from beneficiaries of IBAM’s charitable and community involvement - notably Take Pride Winnipeg, CancerCare Foundation of Manitoba, the Manitoba Junior Hockey League and the WHL were also in the audience.The Rainbow Stage’s own Colleen Furlan opened the President’s Dinner, ultimately leading to an outstanding performance by the one and only Johnny Reid. Quinzy rounded out the night with terrific tunes & a rocking dance floor.

InTara Chammartin’s inaugural speech, she emphasized that during her tenure as President, the brokers Association will focus on advocacy, Tara Chammartin with family and her partners from La Salle Insurance Tara Chammartin and boyfriend Shane Langdale

IBAM CEO addressing the dinner crowd IBAM staff Olivia Doerksen with Peter MacKay, Johnny Reid &Tara Chammartin

42 | SUMMER 2016 | Manitoba INSURANCE BROKER Index The Schioler Family: Dane, Connor, Sharon & Dave MPI CEO Dan Guimond, Clara Hughes & Peter MacKay the home, auto, farm and business insurance Peter MacKay, former Minister of Justice and – President & CEO Red River Mutual Insurance, needs of Manitobans.The President also pointed Attorney General, Minister of National Defence Jennie Moushos – Senior VP Western Canada out that working with insurance industry partners, and Minister of Foreign Affairs of Canada - Intact Insurance, Darryl Levy – President & CEO IBAM is continuing with a vigorous strategic moderate a panel of the Canadian insurance Wynward Insurance, Duane Sanders, President & marketing and public relations plan designed to industry’s top executives including John Mitchell CEOTravelers Canada and DonThompson – COO continually draw to the attention of Manitobans – President & CEO Portage Mutual Insurance, the beneﬁts of dealing with a professional Greg Somerville – President & CEO AVIVA SGI Canada. insurance broker. Canada, Jeff Goy – President & CEO Wawanesa Insurance, Laura Wiebe – President & CEO General insurance contributes in excess of Extra seating was also brought in to join 400 Saskatchewan Mutual Insurance, Gene Paulsen – $2 billion and $50 billion to the Manitoba and others at a session that witnessed the Honourable President & CEO Peace Hills Insurance, Brian Esau Canadian economies respectively.

Johnny Reid charming the crowd CEO Schioler championing Johnny Reid President Chammartin’s inaugural speech

MLA Heather Stefanson, Gail Halko & MLA Wayne Ewasko

Dane Schioler belting it out with Johnny Reid Thursday Keynote: CEO of OMX - Nicole Verkindt Johnny Reid with IBAM Staff Laura Malmquist & Margaret Hudson

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 43 We’re First General and help has arrived.

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Index Manitoba INSURANCE BROKER | SUMMER 2016 | 45 THE LATEST FROM RESTORATION COMPANIES

A Contents Revolution: Esporta™ & Fireline The time has come to restore, not replace. By Priority Restoration

25 Cleaned by the Fireline System After years, we know that the unexpected happens. We care about getting your clients’ lives and property back to normal.

At Priority Restoration, we have joined the contents revolution by adopting the Esporta™ and Fireline technology. We are reducing landﬁll waste and restoring items that were previously considered to be non-restorable. Saving your clients’ precious items can be the factor that turns their negative experience into a positive one.

Esporta™ Wash System With our new Esporta™ machine, Priority Restoration has become a part of the soft contents revolution. We are now able to restore 85% of soft contents that were previously deemed non-restorable. The Esporta™ Wash System can restore unique items like shoes, pillows and hockey equipment that were damaged by water, heavy smoke and soot, mould and bio-waste contaminated goods. The Esporta™ is so efﬁcient it can restore items to Food Grade Clean! With a 24-hour turnaround time for emergency items, customer satisfaction is at an all-time high. To date, the Esporta™ has saved millions of dollars on thousands of claims.

Fireline Ultrasonic Cleaning System Designed to eliminate the inefﬁciencies and bottlenecks associated with standard cleaning methods, the Fireline Ultrasonic Cleaning System is the future of content restoration. The Fireline System, exclusive to Priority Restoration, can quickly and efﬁciently transform Cleaned by the Esporta™ Wash System damaged content from beyond recognition to better than pre-loss condition.

We can prove it to you. Come visit us for a building tour. We are happy to share what we do with who we do it for.

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Photos courtesy of Douglas Little Photography

46 | SUMMER 2016 | Manitoba INSURANCE BROKER Index The time has come to restore, not replace.

The unexpected happens. Get your life back, fast.

At Priority Restoration, we have joined the contents revolution by adopting top-of-the-line Esporta™ and Fireline technology. We are reducing landﬁll waste and restoring items that were previously considered to be non-restorable. We can prove it to you; come visit us for a building tour. We are happy to share what we do with who we do it for.

24-hour emergency service for your property, contents and document restoration.

ServiceMaster Restore and “Hoarders” TV personality partner to help those in need

ServiceMaster Restore, the leader in requires expert help from both cleaning for salvageable items and general residential and commercial services, and mental health professionals. Clutter cleaning, sanitizing and deodorizing expands their service offering to in- created by hoarding can result in serious services. In many cases, due to the clude hoarding and extreme cleanup. threats to the wellbeing and safety of level of contamination in a hoarding ServiceMaster Restore partnered with the person suffering from this disorder, environment, technicians must utilize hoarding cleanup expert and television as well as those close to them. protective gear to avoid health risks. Not personality Matt Paxton to create a only does a hoarding situation require specialized training program to teach “Together with ServiceMaster Restore, experts who can navigate the issues, but its global network on how to under- we’ll be able to help more of those in also people who treat each client with stand and properly work with people need and have a real impact on the lives compassion and respect. who hoard. of those suffering from this mental health disorder,” said Paxton. Roy explains that the company has a Stephan Roy, National Director of comprehensive approach to how each of ServiceMaster Restore of Canada is For more than 60 years, ServiceMaster its local franchisees handles restoration bringing this program to Canada as Restore has provided professional and extreme cleanup jobs. “Most people awareness of hoarding increases due cleaning and disaster restoration who hoard have experienced a traumatic to popular TV shows and the disease services. Paxton, one of the top hoarding event in their life, causing them to hold recently being added to the Diagnostic cleanup experts in the US, is serving as onto things. There are different levels and Statistical Manual used by the in-house expert for ServiceMaster of complexity and they come from all psychiatrists to diagnosis mental illness. Restore by providing specialized walks of life. You may know someone hands-on training to participating that needs special assistance and we are “Hoarding is more common than franchisees across the country. Paxton is here to help.” ServiceMaster Restore’s you might think,” says Paxton, one the founder of Clutter Cleaner, author of approach ensures the focus is on the of the stars of A&E’s Hoarders series. The Secret Lives of Hoarders and featured individual person who needs help – “Dealing with hoarding cleanup requires expert on the TV show Hoarders. understanding the emotional impact specialized training, and I’ve teamed up and providing support to help them with ServiceMaster Restore to assess Cleaning the home of a hoarder is a cope. “We’re not just removing clutter hoarding situations, develop action difficult task that requires effective and debris; we’re helping families regain plans and help clients comfortably planning, detailed execution and the their lives.” return to healthy living environments.” right equipment. ServiceMaster Restore professionals apply their expertise For more information on ServiceMaster While extreme clutter is a symptom of to ensure proper debris removal, Restore hoarding cleanup services, visit hoarding, dealing with hoarding cleanup biohazard disposal, content cleaning www.servicemasterrestore.ca.

48 | SUMMER 2016 | Manitoba INSURANCE BROKER Index EXPERTS YOU CAN RELY ON

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Water Fire Mould Biohazard THE LATEST FROM RESTORATION COMPANIES

SERVPRO professionals are leaders in fire and water cleanup and restoration. 40 years of experience, knowledge and expertise leads to innovative solutions. SERVPRO is thrilled to be the first restoration contractor to offer synchronization to XactAnalysis and Xactimate through our proprietary software. This allows seamless synchronization, saved time and ultimately saved costs. Another industry first is our Unmanned Arial Vehicle (UAV) inspection process. A completely new process for assessing and processing claims inspections. It is safer, cost competitive and brings a host of benefits in comparison with current inspection processes. SERVPRO continues to innovate with Dry Book, an additional industry first. SERVPRO HAS DRYING DOWN TO A SCIENCE What is the science of drying? The science of drying is a process that was created to establish guidelines, regulate techniques, and provide validation and documentation on the drying process. Why is it important? When it comes to water damage, there’s nothing more important than making sure the job is done right the first time. Doing so relies on a cleanup company that is on the front line of training, technology and technique. SERVPRO is an industry leader in all three. The DryBook is a proprietary tool that:

x Manages industry drying requirements

x Provides real-time documentation on the drying process

x Validates that services are executed to standard

x Allows real-time updates through DryBook Mobile integration

To learn more contact Todd Balcain at 204-779-1720 or [email protected]

50 | SUMMER 2016 | Manitoba INSURANCE BROKER Index

6(59352ΠRI:LQQLSHJ .DWH6WUHHW:LQQLSHJ0% RIILFH#VHUYSURZLQQLSHJFRP ,QGHSHQGHQWO\2ZQHGDQG2SHUDWHG THE LATEST FROM RESTORATION COMPANIES

Emergency and disaster response planning

An Emergency and Disaster Recovery Plan is a key component any loss as quickly and safely as possible! Preplanning allows to a company’s business continuity plan. you to know WHO to call right away when a situation arises, you will know WHAT to expect, WHERE we are WINMAR®’s Emergency & Disaster Response program helps coming from and WHEN to expect us – and you’ll never have commercial property owners, managers and their tenants be to ask WHY. well prepared in the event of a disaster and gets them quickly back into business or, better yet, never shut down at all! This Are you prepared? Contact us to help you develop a plan preparation includes a ‘discovery and planning’ discussion specific to your needs and requirements. PRIOR to any emergency or disaster striking. It also provides WINMAR® with an understanding of the business, its infra- WINMAR® has the largest distribution network with structure and overall goals BEFOREHAND, and allows us to 95 service locations across Canada. work together on contingencies, needs and priorities. Coming Through For You! This plan allows the ability to prepare for such emergencies and disasters, to best utilize our experience – getting through www.winmar.ca

24/7 SERVICE AND COMMITMENT TO YOUR CUSTOMERS

• 24/7 emergency response for home break-ins • We will call your customer within 10 mins of your call • We will attend within 2 hrs • Will provide pictures/estimate by next day to either the insurance broker, insurance company or restoration company (assigned adjuster) • Member of MIAA • Provides window, door and overhead services to the insurance industry since 1997. 24/7 EMERGENCY PHONE: 204-772-9890

52 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Index Manitoba INSURANCE BROKER | SUMMER 2016 | 53 THE LATEST FROM RESTORATION COMPANIES

MX Group provides 24-hours-a-day emergency response

Since the beginning, MX has been com- throughout Manitoba for detached state-of-the-art equipment including mitted to providing quality service and homes that are functional and practi- negative air machines, full containment, workmanship to our customers. MX was cal. All floor plans are meticulously heap vacuums, air scrubbers, etc. first started in 2003 with two employees designed for maximum functionality Experienced technicians follow the providing renovation services. Today, MX with customers in mind. MX homes also strictest safety guidelines to ensure has evolved into the MX Group Ltd. offer premium features including triple- maximum safety to employees and a full-service solution for customers, pane windows, walk-in pantry, upgraded customers alike. offering a range of service from reno- millwork packages and stunning exte- vations to restoration to new home rior options. The 2013 expansion also MX Group is fully equipped to handle building. MX Group offers 24-hour includes the creation of MX Westman your emergency residential and emergency response when disasters strike: to meet the demands for a full-service commercial environmental needs. insurance-based renovations services, an solution in the Westman area. The MX As mentioned, employees are on call ICC accredited flooring store as well as a Group continues to grow and expand 24-hours a day to protect your assets and range of comprehensive commercial and both in reach and services offered. the environment. residential renovations services including roofing, environmental, electrical, mainte- The company’s trained environmental MX Group Ltd. is a LEED accredited and nance and painting services. team can perform mould remediation, IICRC accredited firm with an extensive asbestos removal and abatement, COR certified safety program. Learn MX Group’s New Homes Division was sewage clean up, or any type or level more about our certifications and asso- created in 2013 to meet the demand of confined space work. The tram uses ciation membership at www.mxgroup.ca.

225 McPhillips Street Winnipeg, Manitoba R3E 2K3 (204) 786-1198 mxrestorations.ca Manitoba Owned and Operated

54 | SUMMER 2016 | Manitoba INSURANCE BROKER Index 7KUHH*HQHUDWLRQV 2YHU

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2XUUHJXODUVHUYLFHVLQFOXGH 2XUHPHUJHQF\VHUYLFHVLQFOXGH 1586 Wall Street • Complete building restorations • Board up and secure premises Winnipeg, Manitoba for all sizes and types of buildings, • Emergency electrical R3E 2S4 homes and businesses • Emergency plumbing and heating 204.942.6121 • Design / Build services www.wbdwfs.com • Emergency glazing • Tenant improvement work • :DWHUH[WUDFWLRQDQGGHKXPLGLȴFDWLRQ • Specialty construction serving the • Temporary heat needs of the pharmaceutical, food • Temporary roofs services and health industry • Temporary shoring • Project management • Content removal / protection • Complete millwork shop • &HUWLȴHGPROGUHPHGLDWLRQ

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 55 THE LATEST FROM RESTORATION COMPANIES

For quality workmanship and customer service, call River City Restoration

River City Restoration is dedicated In 2008, two industry professionals – organization, certifies our staff to providing home restoration Kevin Clark and Rick Painter – founded members. River City Restoration’s services to customers 24 hours a the company. Dedicated to quality technicians are certified to cover Water day, 365 days a year. We provide workmanship, we provide the utmost of Restoration, Fire & Smoke Restoration, water, sewage, fire, mould, vehicle customer service to customers. Providing Odor Control, Asbestos Removal & impact, vandalism, and wind both emergency and non-emergency Abatement, Carpet Cleaning, Textile damage restoration services, services, we make sure every customer is Cleaning, Upholstery & Fabric Cleaning, as well as full renovation and satisfied before the job is completed. Applied Structural Drying, as well home construction projects. We as Applied Microbial Remediation. work with both commercial and The Institution of Inspection, Cleaning River City Restoration also employs residential clients, and our team is and Restoration Certification (IICRC), a carpenters, painters & drywallers, and capable of handling any job that certification and Standards Developing can provide a variety of services outside comes our way. Organization (SDO) and non-profit of restoration.

56 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Now you can get a break on your phone plan

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Half a century ago, Reider Insurance began with a commitment to giving their customers the best. Congratulations on your Golden Anniversary, from your friends at Red River Mutual. t is quite an accomplishment for any business to keep In 1995, Morley retired and son Shale joined the team. its doors open for 50 years. When that business is an Shale and Ronald decided to focus on Auto, Home and Busi- insurance brokerage, and when that brokerage has grown ness Insurance, and they shut down the Real Estate and Life the way Winnipeg-based Reider Insurance has grown, it is Insurance branches of the business. A year later, Morley’s third indeed a feat to celebrate. MIB sat down with Shale Reider, son, Ray Reider, joined the business around the time Reider Managing Partner of Reider Insurance, to get his thoughts on Insurance purchased R. Brian Cooke Insurance and amalgam- the milestone – and the next 50 years. ated it with Middleton Stewart & Wilson. “Growth was Once upon a time “My dad, Morley Reider, started the brokerage in 1966, marketing Life Insurance and General Insurance, “ stated Shale. “A year later, he purchased a second brokerage and added real estate to the mix. In 1968, dad purchased Caravan Insurance and moved the business to Stafford Street.” In 1969, Reider Insurance partnered with Ivan Macklin to form M&R Insurance, a General Insurance and Real Estate entity. Morley and Ivan then partnered with Bill Coleman to market Life Insurance. The partnership grew, but in 1975, Morley decided to ‘go it alone,’ dissolved the partnership, and renamed the brokerage ‘Reider Insurance Services.’ Morley was content to grow the book of business and the Reider Insurance reputation over the next few years. Morley, always the ‘proud poppa,’ strutted with his chest out even further in 1989 when son Ronald Reider joined the brokerage on a full-time basis. Two years later, they purchased President and CEO of Red River Mutual, Brian Esau, Shale Reider, Middleton Stewart & Wilson Insurance Broker. Ray Reider and Ronald Reider

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 59 Half a century of success.

Congratulations to Reider Insurance on celebrating their 50 year anniversary in the insurance industry. You should be proud of your accomplishment!

HOME

CAR

BUSINESS

The BIP logo is a registered trademark of the Insurance Brokers Association of Canada (IBAC). All other trade-marks are property of Intact Financial Corporation used under license. © 2016 Intact Insurance Company. always part of the business plan,” Shale said, “But it had to be for the right reasons – not growth for growth’s sake – and it had to be the right fit.” In 1997, a third Reider Insurance location opened its doors and, in 1999, Glen Oak General Insurance Services became a Reider office. The growth continued in 2000 with the purchase of Liberty Insurance and in 2002 with the purchase of Asia Insurance. That same year, a fourth office was opened. In 2007, Reider Corporate Insurance Solutions, a Business Insurance arm of the brokerage, was launched; and, in 2008, a major rebranding took place as the company changed its name to ‘Reider Insurance.’ Commonwealth Insurance Agencies was bought in 2010, and in 2014, the Reiders purchased G.K. Braun Insurance’s two locations.

Congratulations Reider Insurance on your 50th anniversary!

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 61 2015 proved a major milestone in Reider Insurance’s Lifelong learning evolution as Ronald’s daughter, Tiffany Reider, started Shale says he and his brothers try to be open-minded and working with the brokerage, the first member of the third aren’t above learning from the new hires. He recalls, “After generation of Reiders to become involved with insurance. one of our recent acquisitions, we learned from one of the In 2016, Reider Insurance grew once again as it purchased new brokers who had come over in the deal that their method Weston Insurance Brokers. of achieving renewals was superior to our old method. We switched and now utilize a different renewal process!” A dedicated, knowledgeable staff Learning is central to the Reiders and their brokerage. All “My dad got into insurance because he loved to help people,” employees are encouraged to maximize their pursuit of profes- asserts Shale. “Sure, money is important – after all, you have sional development. to feed, clothe and house your family – but that was never Shale appreciates the Education component that the Insur- the end-all-and-be-all with my dad. It was always about ance Brokers Association of Manitoba brings to the industry, the clients. He then hired (or raised from birth) like-minded and says Reider Insurance and their staff members participate employees, who saw how he treated customers and learned in all IBAM and IBAC courses. (Shale also served a two-year volumes from him. To this day, that caring, helping attitude term on the MPI Standards Committee, helping make Mani- is part of the Reider culture and has attracted many people toba’s auto insurance one of the most stable in Canada.) new to the industry who want to conduct business in this manner, as well as veteran brokers from other brokerages Commercial component in Manitoba.” Along with an exemplary staff and a commitment to Once Reider Insurance hires an individual, one of the professional development, Shale says the third reason behind business leaders sits down with that individual to plot his Reider Insurance’s enviable success is the establishment and or her career path. “We encourage our new hires to create a growth of Reider Corporate Insurance Solutions, the brokerage’s ‘professional roadmap’ complete with timelines. We realize commercial insurance division. This segment of the company some of our loyal staff members are nearing retirement and features a specialized team of insurance specialists that provide these senior positions must be filled. We want to fill them clients with commercial insurance expertise. They provide from within with someone well versed in the Reider business professional insurance solutions for offices, contractors, retailers, culture. We hire talented, caring people and we want them to wholesalers, manufacturers, garages, truck fleets, property maximize their abilities and have fulfilling careers.” owners, specialized programs, bonding and liability.

ARE YOU AN EXPERIENCED INSURANCE BROKER LOOKING TO EXPAND YOUR SKILL SET?

REIDER is looking for • Autopac Representatives • Personal Line CSRs • Sales/Producers • Family owned • Celebrated 50 years in the community • Multiple locations • Great group beneﬁ ts • Excellent commission opportunities We’re in your neighborhood! 130-1630 Madison Street, Winnipeg, MB 204-956-7300 [email protected] www.reider.ca

62 | SUMMER 2016 | Manitoba INSURANCE BROKER Index Congratulations Congratulations to Reider Insurance REIDER Insurance Celebrating 50 years of success! on 50 years At Aviva, we work with brokers like of success! Reider Insurance to provide customers with the right coverage based on their needs. We’re proud of our history together and look forward to many more years Best wishes of serving the community. from your friends at

avivacanada.com Insurance – Home | Auto | Leisure & Lifestyle | Business | Surety

Aviva and the Aviva logo are trademarks used under licence by the licensor. www.optimum-general.com

Congratulations to Winnipeg’s very own Reider Insurance on 50 years of success!

CONGRATULATIONS TO REIDER INSURANCE On Your 50 Year Anniversary 5HLGHU ,QVXUDQFH LV IDPLO\ RZQHG DQG RSHUDWHG DFKLHYLQJJUHDWVXFFHVVWKURXJKWKHH[FHOOHQWFXVWRPHU VHUYLFH WKDW WKH\ KDYH SURYLGHG WR WKHLU FOLHQWV 60, FRQJUDWXODWHV WKH 0DQDJHPHQW DQG 6WDII DW 5HLGHU ,QVXUDQFHRQWKLVPLOHVWRQHDQQLYHUVDU\DQGZLVKWKHP VXFFHVVLQWKHQH[W\HDUV Best wishes in the future from your friends at Manitoba Blue Cross.

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Auto Commercial Habitational Farm ®*The Blue Cross symbol and name and Colour of Caring are registered marks of the Canadian Association of Blue Cross Plans, independently licensed by Manitoba Blue Cross. *†Blue Shield is a registered trade-mark of the Blue Cross Blue Shield Association.

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 63 A value-added component of Reider Corporate Insur- ance Solutions is the Reider Catastrophe Response Unit (CRU), a 38-foot motorhome that is actually a ‘mobile office in a box.’ If a client suffers business interruption due to fire, water damage or other disaster, the Catastrophe Response Unit can be operational the next day. The CRU is a modular self-contained office with four office desks including computers, mobile Internet, a 24/7 power plant and washrooms. The office set-up local Huntington Society of Canada holds a go-kart fundraising can also be converted into a retail showroom or a shipping/ race. The ‘Reider Racers’ team is always front-and centre, raising receiving area. With the Catastrophe Response Unit, Reider much needed funds and having a great time doing it. customers who experience an unexpected loss can have their business downtime kept to an absolute minimum. Into the future What does the future hold for Reider Insurance? Shale says, “We Reider and the community have plans for future growth, but we aren’t mandated to specific Shale and the rest of the Reider clan are well aware that the numbers or timelines. If a good fit comes along, we will make community has been good to them and, therefore, they are every effort within our means to acquire it, but we won’t try anxious to give back to that same community. Shale says the to fit a square peg into a round hole. The fit has to be right. We brokerage contributes to a myriad of fundraising activities from will continue to grow our Reider Corporate Insurance Solutions United Way, to the campaign to fight breast cancer, to the division along with the rest of our divisions. We will continue Rosenort Bonspiel and many, many more worthwhile causes. to protect our clients by ensuring that they not only have a One fundraising campaign that is close to the hearts of all the competitive price, but complete coverage with no existing gaps Reider brothers is the one that funds the battle against Hun- in that coverage. The Reider family and our staff are looking tington disease (HD) that inflicts their mother. Every year, the forward to a bright future and 50 more years in business.

Congratulations Congratulations To Reider Insurance on 50 years of insurance excellence!

on 50 years

of insurance greatness!

From your friends at:

Your family’s commitment and dedication to protecting customers, demonstrated by your Catastrophe Response Unit, has really impressed us. We’re excited to continue working with you for many years to come.

64 | SUMMER 2016 | Manitoba INSURANCE BROKER Index

INSURANCE INDUSTRY BLOOD DRIVE

This blood donor drive gives Insurance Brokers the opportunity to Adopt a Clinic at the Winnipeg Blood Centre 777 William Ave, Monday to Saturday.

Adopting a Clinic would involve choosing a day that 777 William Ave is open and promoting blood donation on that day among colleagues, family members and clients. In return, promotional opportunities are available, including setting up a display, signage, donor giveaways and the opportunity to interact with donors.

Each month the Winnipeg Blood Centre needs to fill approximately 3900 appointments to meet the needs of patients in our region. Your assistance in bringing in blood donations can treat cancer patients, bring a car crash victim through surgery, even help a transplant patient’s new heart beat for the first time. Now that’s truly powerful.

x In 2016, about 100,000 new blood donors will be needed to meet the needs of Canadian patients who require blood transfusions. Provincially, 6000 new donors are needed to maintain patient demand in Winnipeg. x 1 in 2 Canadians will either need blood or know someone who will at some point in their lives. 1 in 2 people are eligible to donate, yet only 1 in 60 actually does.

“As President of IBAM, I am pleased to announce that the Insurance Brokers Association of Manitoba supports blood donations and the impact it has on the local community. Most people know someone who has needed blood and Adopting a clinic gives individuals an opportunity to give back. The Young Brokers Network and IBAM have been proud supporters and Partners of Canadian Blood Services for the past four years and I am looking forward to growing participation in this upcoming year.”

Tara Chammartin, CAIB La Salle Insurance and Travel Services Ltd.

For Adopt a Clinic Opportunities, please contact: Patricia Bal Territory Manager, Canadian Blood Services [email protected] 204-789-1195 &DQDGLDQ%ORRG6HUYLFHV :LOOLDP$YHQXH:LQQLSHJ0%5(5ZZZEORRGFD TARGETING THE RIGHT INSURANCE POLICY TAKES A LOT OF SKILL Dale Rempel Memorial Golf Tournament See Wednesday, August 24, 2016 you there!

In support of Cancer Care Manitoba

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 67 LEGAL CORNER

Shareholders agreements: a different kind of insurance for your business Bradley J. Madison, Partner, Pitblado Law

ccidents happen… but you probably know that - after The shareholders agreement (typically unlike the Articles all you’re in the insurance business! of Incorporation or the by-laws) is a document that should be A But what happens to your business if you are hit custom-drafted to fit your business, and should not simply be by a meteorite tomorrow? What happens to your business if a “standard form” or “precedent” full of “boilerplate” clauses. your business partner is hit by a meteorite? (I know you are One of the key issues to be addressed by a shareholders insurance brokers, not actuaries, but your odds of being killed agreement is the death or disability of a principal shareholder. by a meteorite are a surprisingly high at 1 in 250,000).1 With respect to the latter, typically, the agreement would Do you know the answers to these questions? define what constitutes “disability” in the context of your Many small businesses in Manitoba, including insurance business (often when a principal is not able to actively engage brokerages, are incorporated entities, with a handful of in the business for a certain period of time) and would go on shareholders, who in many cases, are also actively involved in to provide for a buy-out of the disabled party’s interest. the day-to-day operations of the business. Similarly, if a principal shareholder suddenly passes If you are a principal and a shareholder of an incorporated away, there ought to be a buy-out provision that would insurance brokerage, I will bet you have insurance, but do you allow the other shareholder(s) to either buy-out or cause have a shareholders agreement? If you do, great - what does the corporation to buy-out the deceased principal’s interest it say? If you are not sure, maybe it is time to dust it off. Was in the corporation in a manner that does not put the other it written 15 years ago? If it is like some that I have seen, the shareholder(s) in the poor house and permits sufficient cash agreement might be so outdated that it no longer refers to the flow in the business to allow its continued operation. The proper shareholders or makes any sense. devil is in the details. Without a shareholders agreement, Carpe diem. Time for an update! some of these details that might become contentious include: A current and comprehensive shareholders agreement can save who is the purchaser and at what price and over what period you and your family a lot of uncertainty and grief, not only of time will the purchase price be paid? in the event of an untimely accident (like a good insurance One of the first issues that will arise upon an unexpected policy), but also in the event that a business partner wants or death or disability (or almost any buy-out) is valuation. A valu- needs to exit the business. ation formula or method should be included in the agreement, A shareholders agreement is, in basic terms, a legal contract either based on financial statements produced by the corpora- between the shareholders and the corporation itself that, if made tion’s independent accountants (and carefully worded by your unanimously, becomes a fundamental governing document of lawyer with input from the accountants at the time of draft- your corporation. It is intended to work in conjunction with ing) or with reference to an opinion from a qualified business the corporation’s other fundamental documents (its Articles valuator with knowledge of the insurance brokerage industry. of Incorporation and its by-laws), which together establish the Of course once a method of valuation has been agreed framework for the governance of the corporation. upon, the next question is how to fund the buy-out

1 http://www.wired.com/2013/02/asteroid-odds/

68 | SUMMER 2016 | Manitoba INSURANCE BROKER Index LEGAL CORNER

obligation, should it ever arise (and we know that death, like THE AUTHOR: taxes, is inevitable). Bradley Madison is a Partner at Pitblado Law. This is likely where you, as insurance brokers, have a Brad practices business law, focusing primarily leg-up on other small business owners. Your knowledge of on acquisitions, divestitures, business the insurance industry should assist you in selecting the right structuring and re-organizations of owner- coverage for your own life, disability and critical illness needs. managed and privately-held businesses and However, you must ensure that your insurance coverage professional practices. Brad also advises clients “works” with what your shareholders agreement provides. on issues related to financing and secured For example, two typical methods of providing for life lending, wind-ups, commercial leasing and real estate, business insurance coverage might be to have co-principals insure each and construction contracts and certain tax issues related to other’s lives (sometimes called “criss-cross” insurance), with the such matters. shareholders agreement providing that should one die, the other collects the proceeds and uses the funds to buy-out the deceased shareholder’s interest. Alternatively, the corporation might be the owner and beneficiary of the life insurance policies on the principal shareholders such that the shareholders agreement would need At Pitblado Law, we deal with the business of to include language requiring the surviving principals to cause insurance. We handle claims. In fact, we do a lot of the corporation to collect the proceeds and utilize the funds to both. We advise and represent insurers, brokers, purchase and cancel the deceased’s shares. businesses, professionals and regulatory bodies. These two methods are very different from both a corporate Our lawyers are well versed in all manner of law and a tax law perspective, with one yielding a capital gain to claims. Whether resolution is through negotiation, the vendor and the other being a deemed dividend. mediation, arbitration or litigation, we recognize It is possible that either method could yield a tax-free result that our clients want cost-effective and timely to the recipient (taxes may not be inevitable!), but specific results. How can we help you? tax advice is required and the shareholders agreement must be carefully worded to not only work with the insurance in place, but to also ensure applicable provisions of the Income Tax Act are engaged to allow for such tax-free treatment. Additionally, insurance values should be reviewed regularly to ensure enough coverage is in place to fund a buy-out of the (undoubtedly) increasing value of each principal’s interest in the successful brokerage corporation. While the shareholders agreement needs to address the “inevitables” such as death, it also should provide for the “probables” and some of the “possibles”, such as disability. It is possible, and perhaps even probable, that a shareholder may wish to leave the brokerage and move on for a variety of reasons. In that case, hopefully all the principals get along well, can agree at a valuation and a time frame for a buy-out, and everything works perfectly. Unfortunately, in the real world, things often don’t work as planned and the shareholders agreement should, in many cases, provide an “escape valve” for a shareholder such as a “shotgun” t *OTVSBODFBOESJTLNBOBHFNFOU (or “buy-sell”) clause or, depending on the circumstances, a “put t 5BYQMBOOJOH option” that will form the frame-work for a forced divorce of t -BXTVJUTBOEEJTQVUFSFTPMVUJPO the shareholders without the need for (and trust me on this) costly and unpleasant litigation. t &NQMPZNFOUJTTVFT Shareholder agreements often contain a variety of other clauses including: those mandating the composition of the board of directors and stipulating the officers of the corporation; provisions for super majority requirements for various “fundamental” decisions of the corporation; dividend policies; restrictive covenants of non- solicitation and non-competition with the corporation; and terms for shareholders’ loans to be made to the corporation from time to time and for the borrowing from third-party lenders. PROUD SUPPORTER OF IBAM While you cannot foresee or plan for every possible scenario in a shareholders agreement, a comprehensive and carefully drafted agreement can go a long way to ensuring all the QJUCMBEPDPN “inevitables”, most of the “probables”, and even some of the “possibles” are dealt with - giving you and your family some peace of mind, just like a good insurance policy,

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 69 BUSINESS CORNER

Derek Schroeder, Commercial Account Manager, Commercial Banking, BMO Bank of Montreal, Winnipeg Create a social media game plan for your brokerage

ocial media are web-based com munication tools that enable Sindividuals to interact with one another, or en masse, via interactive exchanges of information. Think Facebook®*, Twitter®† and LinkedIn®‡ as a few key social media platforms. How are Canadian businesses using social media*?

35% to promote products or services 22% to communicate with customers 17% to help find prospective customers 17% to help build a corporate reputation

*Based on a 2015 BMO Report

Canadian businesses continue to increase social media platform usage as part of their business strategy in a • Facebook: Ideal for building to post useful updates, also think digital world. potential client relationships, about content that will set you Why? Social media is a way to advertising products, creating apart from the competition, such promote your products, as well as events and targeting customers as testimonials and how-to videos. to showcase your insurance expertise, through paid posts. Consider experimenting with video listen to what your customers want, and • Twitter®† & LinkedIn®‡: If you and photography, too – you don’t celebrate successes along the way. But want to be a thought leader in necessarily need to hire an expert, how can you make sure you’re making your industry, share relevant just grab your smartphone and the most of your social media strategy? content regularly. get creative. Get started with these 8 tips, as • Instagram®** & Pinterest®††: 3. Plot out your posts: You’ve provided by www.bmo.com/life: These aspirational platforms work established what you’re going to post, 1. Be strategic with your platforms: well for travel, food, fashion and but what about when? Some social You need to consider which platforms luxury goods, as you can share platforms require more frequent can boost your brand power, and fun and engaging photos. You can posting (hello, Twitter), and you which ones may not deliver the same also add #hashtags to help people want to make sure you don’t let any ROI. While Facebook®* is the leading find your content. social media profiles gather dust. The social network (with 1.5 billion users 2. Create content with purpose: If solution? Create a plan – even an and counting), it’s a good idea to learn you want to engage your customers, informal posting schedule or calendar how to use different platforms for dif- you need to share content they’ll be will help – to ensure your brand has a ferent purposes. Here’s an overview: eager to read. While it’s important consistent, frequent voice.

70 | SUMMER 2016 | Manitoba INSURANCE BROKER Index BUSINESS CORNER

4. Interact with your customers: more interested in driving clicks to be discouraged if you don’t get every If someone tweets about liking your website than general Facebook post right the first time. Getting your product, service or post, thank likes. On Instagram, you might want a big-picture view of what posts them. By replying to customers, you customers to tag their friends so and methods can most successfully can open up the conversation and you can gain more followers and up boost your bottom line may take create a sense of community. On your engagement rate. Think about some time, but social media will the flipside, if someone complains, what’s important to your brand, and help continuously promote your acknowledge their comment then track those analytics through company’s personality – and build (when appropriate) in a polite and programs such as Hootsuite®†‡ and trust with customers. respectful way and offer a solution. Google Analytics®†*. Do you have Social Media is another way to connect Many companies fear backlash from a budget? with your customers. Use it to create customers via social media, but you 7. Play by the rules: It’s important that personal connection with the can actually use it as an opportunity to know the rules and regulations people that use your products and to control the conversation governing the use of social media. services as well as attract those that do surrounding your brand. Facebook and Twitter both have not. Creating a Social Media game plan 5. Engage multiple guidelines, which may impact how is essential for brokerages in this fourth contributors: The person you’d execute marketing campaigns industrial revolution. who manages your company’s such as contests and giveaways. For more tips and advice, visit social media accounts doesn’t Additionally, know your market. www.bmo.com/life have to be the only one who Some industries – such as financial contributes. Depending on your services – are governed by more ®* Registered trademark of Facebook, Inc. business, you may want to give strict regulations, so check with a ®† Registered trademark of Twitter, Inc. customers insight into the behind- legal representative for guidance if ®‡ Registered trademark of LinkedIn Corp. the-scenes operations and the people you have questions. ®** Registered trademark of Instagram, Inc. who bring things together. 8. Give it time: Once you’ve created ®†† Registered trademark of Pinterest, Inc. 6. Measure effectiveness: Your first and begun enacting a comprehensive ®†‡ Registered trademark of Hootsuite step is to understand what you’re posting plan, be patient. It’s all Media Inc. measuring. For example, you may be about testing and learning, so don’t ®†* Registered trademark of Google Inc.

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Index Manitoba INSURANCE BROKER | SUMMER 2016 | 71 INDUSTRY NEWS

Cowan Insurance Group’s fourth consecutive Best Managed Companies win

Cowan Insurance Group has again including leadership, strategy, core 2015 winners of the Canada’s Best reached Gold Standard status as one competencies, cross-functional Managed Companies award, along of Canada’s Best Managed Companies collaboration throughout organization, with Requalified, Gold Standard, Gold in 2015. and talent. Requalified winners and Platinum Club Canada’s Best Managed Companies Cowan has been selected as one of members were honoured at the annual program recognizes Canadian-owned Canada’s Best Managed Companies Canada’s Best Managed Companies and managed companies that have for four consecutive years and has gala in Toronto on April 12, 2016. implemented world-class business demonstrated its commitment to the Deloitte, CIBC, National Post, practices and created value in innovative program through steady continuous Smith School of Business and MacKay ways. An independent panel evaluates growth, profitability, and investment in CEO Forums sponsor the Best applicants on business performance, technology, process, and people. Managed program.

WWF-Canada and RSA team up to advance employee action on sustainability

WWF-Canada and RSA Canada have In doing so, RSA demonstrates and This is part of RSA Canada’s kicked off a new five-year partnership promotes the benefits of integrating corporate responsibility commitments to inspire and engage employees in employee engagement and corporate to reduce the carbon emissions from workplaces across Canada to take responsibility initiatives. their internal operations by 12% per environmental action. With this Through the partnership, WWF- employee by 2018 (2015 baseline) as partnership, RSA becomes the new Canada will help RSA develop a robust well as support customers with tools presenting sponsor of Living Planet @ national green team program in order to and solutions to better respond to Work, WWF-Canada’s environmental engage employees coast to coast to take changing environmental risks and employee engagement program. action on sustainability. opportunities.

Citrix joins Applied Systems Partner Program for eSignature

Applied Systems says Citrix has joined strategic focus on partnerships to deliver The integrated eSignature the Applied Partner Program to offer value-added capabilities that further capability for Applied Epic is available its eSignature solution, RightSignature, automate workflows, increase data with Applied Epic 2016, which to North American brokerages consistency and accuracy, and drive a delivers the most advanced software via integration with Applied Epic. connected insurance experience. Applied application to brokerages to enable Brokerages can enhance their digital Solutions Partners embed third-party faster growth and profitability in customer experience and improve functionality into Applied’s solutions a changing insurance marketplace. productivity by automating paperless to give users best-in-class capabilities to Applied Epic is a single, integrated delivery of documents via eSignature further automate workflows and drive and open application that provides capabilities directly from Applied Epic. operational efficiencies. essential capabilities for each The Applied Partner Program is a With this solution, RightSignature stakeholder within a brokerage to program focused on increasing the is one of the simplest, most efficient better manage customer relationships, availability of best-in-class software ways to obtain document signatures sales opportunities, carrier appetite and enhancing automation and directly from your Applied Epic account. search, financial accounting, and policy connectivity across the independent RightSignature allows businesses to close and benefits administration across insurance distribution channel. The more deals in less time, reduce paper and all lines of business. The application Program is open to leading technology ink expenses, avoid fax hassles, cut cycle offers a comprehensive view of client providers and organizations across time from weeks to hours, and provide information and internal operations the industry and advances Applied’s better customer service. through an intuitive user interface.

72 | SUMMER 2016 | Manitoba INSURANCE BROKER Index INDUSTRY NEWS

One Insurance relocates Kildonan ofﬁ ce One Insurance has moved its East location. The new space gives more new strip mall just north of Superstore Kildonan office on Watt Street to 6-1115 room for additional workstations to and tucked in behind the Entegra Credit Gateway Rd. The office will now be better serve insurance clients. Union and also beside the COOP gas referred to as One Insurance’s Kildonan The office is located within a brand station on Gateway.

Weston Insurance Brokers joins Reider Insurance

Reider Insurance has announced the members of Reider Insurance and Weston Insurance Brokers has been merger of Weston Insurance Brokers continue to work diligently for their serving Manitobans for 39 years. The and Reider Insurance, which occurred customers. These same customers will company was founded by Ross S. officially on Jan. 1, 2016, when be able to contact the Weston Insurance Desiderio and continues to flourish. the combined offices began conducting staff using the same telephone number. Reider Insurance has been serving business as Reider Insurance. The merger Some of the advantages the merger Manitobans for 50 years and continues allows Reider Insurance to provide an offers to clients include: An enhanced today owned and operated by Shale, enhanced range of products and services product offering, with access to many Ronald and Ray Reider. Throughout the to better serve its clientele. more additional insurance companies. years Reider Insurance has achieved con- Shale Reider tells TMIB that Ross In addition, Reider’s new Emergency tinuous growth by providing customers Desiderio and the staff of Weston Claims Number will provide service with quality coverage, personalized service Insurance Brokers will remain active 24 hours a day. and friendlier way of doing business.

Mike Edgar, CIP 21 years with Portage Mutual in loss prevention, claims, and marketing

Brenda Holmes, CAIB 18 years as a broker selling all lines and 8 years with Portage Mutual in underwriting and marketing

This fall, watch for enhancements to our product lines based on broker feedback!

www.portagemutual.com

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 73 INDUSTRY NEWS

MIG Insurance Group moves Main St. site

In their continuing effort to provide 2 km north to 500A-2405 Main Street. • 1401 Portage Avenue locations for customers and employees The new office will offer a bright, new • 3715 Portage Avenue that are comfortable, easy to get to environment in an area with many of the • Hydro Building Skywalk and easy to park at, MIG officials are services used regularly in the community. • 3900 Grant Avenue excited to tell readers about the move In addition to the new location, MIG of the brokerage’s Main Street location Insurance has four other offices in (formally 1965 Main Street) less than Winnipeg to serve its insurance customers:

Pethealth acquires Pets Plus Us from RSA

Pethealth is proud to announce the owner happiness in the Canadian pet The sale is expected to close on acquisition of Pets Plus Us from Royal insurance market. May 24, 2016. The leadership, the & Sun Alliance Insurance Company “We’re thrilled to join forces with the team and the brand of Pets Plus Us of Canada (RSA). The Pets Plus talented team of people at Pets Plus Us. will continue to offer exceptional Us business will join the ranks of We’re confident that, together, we will customer service, this time as part Pethealth’s offerings in the Canadian be able to expand our care of companion of the Pethealth family. Customers pet insurance market, 24PetWatch and animals in Canada,” said Sean Smith, should not experience any disruption Ontario SPCA Pet Insurance Programs. CEO of Pethealth. “We’re pet people too of service, as business will continue Pets Plus Us was started by RSA in – so adding another organization that as usual following the closing of the 2013 with a mission of delivering pet furthers our cause is exciting for us all.” transaction.

FirstOnSite Restoration joins forces with US-based Interstate Restoration

FirstOnSite Restoration G.P. Inc. (general and reconstruction service providers for “Our vision has always been to be the partner of FirstOnSite Restoration LP) commercial enterprises. first and best choice for insurers, property has reached a definitive asset purchase “By combining FirstOnSite and owners and employees. Interstate brings agreement with US-based Interstate Res- Interstate Restoration, we will exceptional industry and operational toration LLC, subject to Court approval, significantly improve our ability to expertise, and this sale allows us to join under which Interstate Restoration will deliver to our clients uninterrupted, forces and serve customers across the acquire FirstOnSite. Terms of the agree- best-in-class restoration and continent,” said Dave Demos, CEO ment were not disclosed. reconstruction services on both sides of of FirstOnSite Restoration. “Interstate The combination of FirstOnSite the border,” said Stacy Mazur, CEO, Restoration complements our Canadian and Interstate Restoration will create Interstate Restoration. “The combined service, and we intend to work together the second largest independent North companies bring financial strength, to share best practices across the border.” American restoration and reconstruction a broader customer base and a wide The companies expect the transaction services provider, giving it greater array of resources, talented personnel to close by early summer. Delos Capital, breadth of capabilities and resources and new proficiencies. Together, a US private equity fund, will provide to compete more effectively and to we will have the scale necessary to Interstate Restoration with committed provide the highest quality service to respond to commercial and residential financing for the transaction. clients. With 19 branch locations across emergencies across Canada and the Details of the CCAA filing and the US, Interstate Restoration is one US, from localized disasters to related matters are available at http:// of the largest emergency restoration major catastrophes.” cfcanada.fticonsulting.com/firstonsite.

Markel relocates Montreal ofﬁ ce

Specialist insurer Markel Canada is environment reflects the culture and move will allow for more efficient relocating its Montreal office to 1001 values that are intrinsic to Markel and effective interaction between our Maisonneuve Boulevard West as of Canada. Phone number and email staff. The new clean look and paperless May 30, 2016. Featuring open addresses remain unchanged. environment will bring us into today’s workspaces and varied meeting Tony Picciano, Markel’s VP and standards and enable us to serve our and conference rooms, the new Eastern region Director, said, “The clients better.”

74 | SUMMER 2016 | Manitoba INSURANCE BROKER Index INDUSTRY NEWS

Economical Insurance to acquire largest pet insurer in Canada

Economical Mutual Insurance Company strategy, and focus on growth, both P&C Insurance. “We believe WFIC and its has announced its intention to acquire organically and by acquisitions,” said employees will have a promising future Desjardins Group’s pet insurance Karen Gavan, President and CEO under new ownership that will further business, Western Financial Insurance of Economical Insurance. “We are develop the full potential of the business.” Company (WFIC) and its flagship brand acquiring the market leader in the The transaction is expected to Petsecure. Canadian pet insurance industry, which close in the third quarter of 2016 WFIC is Canada’s largest pet will further diversify our business, and is subject to the usual closing insurance company with net written and we are pleased to welcome WFIC conditions and regulatory approvals. premiums in 2015 exceeding $50 million. management and employees to the After the closing, WFIC will remain For more than 25 years, it has provided Economical family.” headquartered in Winnipeg, ensuring Canadian pet owners with innovative “For Desjardins, this is the result consistency of service in maintaining its coverage to meet the diverse needs of of an ongoing strategic review of our industry-leading products, sales force, their pets. WFIC offers comprehensive, activities and, as part of this decision, it customer experience and relationships veterinarian-recommended coverage for was important to identify a prospective with veterinarians, shelters and dogs and cats. acquirer that would be in a position to breeders. Desjardins will continue to “Economical is an insurer with continue growing the business,” said distribute WFIC’s pet insurance product significant momentum right now Sylvie Paquette, Desjardins’ Senior through its Desjardins Insurance and thanks to our dedicated people, bold Executive VP and General Manager of The Personal Insurance brands.

Please forward any press releases to Managing Editor Terry Ross at [email protected]

Trans Canada Insurance Marketing Inc. tcim.ca

807-177 Lombard Ave., Winnipeg, Manitoba R3B 0W5 204-925-8276 Fx: 204-925-8279

Gille LeBlanc Remi Pajot Mario Campeau Peter Harper Colette Rezansoff Marli Baluk 514-583-9604 204-925-8274 514-594-1917 204-291-2684 204-925-8262 204-925-8275 gleblanc@ [email protected] [email protected] [email protected] crezansoff@ [email protected] profescau.com tcim.ca

Jim Robinson Shelley Tanchak Linda Cyrenne Marie-Anne Chantal Antonakis Deanna Daigneault 204-925-8260 204-806-8142 204-806-8074 Shewchuk 204-925-8265 204-925-8834 [email protected] [email protected] [email protected] 204-925-8272 [email protected] [email protected] [email protected]

Leigh Rhymer Bonnie Penner Cortney Partaker Tammy Fontaine Lise Hamel-Landry Miranda Morden 204-925-8273 204-925-8270 204-925-8836 204-925-8278 204-925-8837 204-925-8277 [email protected] [email protected] [email protected] [email protected] lhamellandry@ [email protected] tcim.ca

Charlie Perkins Christie Kumar Jim Crighton Derrick MacLeod Mashood Ali Cheryl Fortier 204-795-7480 604-584-9494 613-599-5672 204-390-0991 778-372-8246 604-534-3280 [email protected] [email protected] [email protected] [email protected] [email protected] [email protected]

Jenny Di Tomaso Michael Hirsch Randy Buschmann Donna Morrison Shirley Gauthier 204-799-4048 204-795-5253 403-982-0082 403-982-0082 450-629-3949 [email protected] [email protected] rbuschmann@ dmorrison@ [email protected] tcim.ca tcim.ca

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 75 REACH OUR ADVERTISERS

The Manitoba Insurance Broker would not be possible without the advertising support of these companies and organizations. Please think of them when you require a product or service. We have endeavoured to make it easier for you to contact these suppliers by including their telephone number and, where applicable, their websites. You can also go to the electronic version of the Manitoba Insurance Broker at www.broker.ca and access direct links to any of these companies.

COMPANY PAGE PHONE WEBSITE

Allianz Global Assistance 28 866-520-8823 www.allianz-assistance.ca

AVIVA Canada 10, 63, 71 204-942-0424 www.avivacanada.com

Can-Sure Underwriting Ltd. 80 877-685-6533 www.can-sure.com

Detail Services 52 204-772-9890

Economical Insurance 20 800-265-9996 www.economicalinsurance.com

First General Services (Winnipeg) Ltd. 44 204-477-0560 www.fgswpg.ca

Frank Cowan Company 21 800-265-4000 www.frankcowan.com

Hagerty Insurance Agency, Inc. 13 800-922-4050 www.hagerty.com

HUB International 23 204-988-4789 www.hubinternational.com

Intact Financial Corporation 8, 60 204-942-8402 www.intactfc.com

James Dube Spraggs Adjusters Ltd. 22 204-985-1200 www.jdsadj.ca

La Salle Insurance 11 204-261-3430 www.lasalleinsurance.com

Manitoba Blue Cross 12 204-775-0161 www.mb.bluecross.ca

Manitoba Public Insurance 21, 63 204-945-8097 www.mpi.mb.ca

Markel 79 800-223-8858 www.markelinternational.ca

Mr. Electric 4 204-949-9299 www.winnipeg.mrelectric.com Open minds. Understand Risk. “Delivering innovative solutions for our broker partners and enhancing their ability to meet client needs is an important component of Sovereign’s vision. I believe when looking at risks we must be agile and flexible in our thinking in order to drive innovative solutions. In doing so we promote an environment where talented people thrive to be proactive, intentional, and empowered to make decisions in order to create successful solutions. With this winning combination for all stakeholders, why not join us and challenge the status quo?” sovereigngeneral.com

Brian Croitor Winnipeg Office Manager Direct 204-982-1267 [email protected]

76 | SUMMER 2016 | Manitoba INSURANCE BROKER Index REACH OUR ADVERTISERS

COMPANY PAGE PHONE WEBSITE

Mutual Fire Insurance Company of BC 2 866-417-2272 www.mutualfirebc.com

MX Restorations Ltd. 54 204-786-1198 www.mxrestorations.ca

Optimum Insurance Company Inc. 63 800-239-0146 www.optimum-general.com

Pal Insurance Brokers 78 800-265-8098 www.palcanada.com

Pitblado Law 69 204-956-0560 www.pitblado.com

Portage Mutual Insurance 10, 64, 73 800-567-7721 www.portagemutual.com

Priority Restoration 47 204-786-3344 www.priorityrestoration.com

PuroClean 49 204-471-5597 www.puroclean.ca

Red River Mutual 3, 58 800-370-2888 www.redrivermutual.com

Reider Insurance 62 204-956-7300 www.reider.ca

River City Restoration Ltd. 56 204-275-8183 www.rivercityrestoration.ca

Rogers (Red Wireless) 57 204-783-0888 www.redwireless.ca/ibam-idv

Saskatchewan Mutual Insurance Co. 63 306-653-4232 www.saskmutual.com

SGI Canada 27, 64 306-751-1674 www.sgicanada.ca

ServiceMaster Restore 53, 55 800-RESPOND www.servicemasterrestore.ca

SERVPRO 51 204-779-1720 www.servprowinnipegsoutheast.com

Sovereign General Insurance 76 204-982-1287 www.sovereigngeneral.com

Trans Canada Insurance Marketing Inc. 75 204-925-8276 www.tcim.ca

TSW Management Services 27 866-904-8146 www.tsw-management.ca

USLP (Subsidiary of K&K Insurance Group, Inc.) 67 403-693-3772 www.uslp.ca

Wawanesa Insurance 9, 14, 61 204-824-2132 www.wawanesa.com

WINMAR 53 866-494-6627 www.winmar.ca

Winnipeg Furniture Services Ltd. 55 204-942-6121 www.wpgbldg.com

To reserve your advertising space, contact Marketing Manager Kris Fillion.

Tel: 204-985-9798 Toll Free: 866-985-9798 E-mail: kﬁ [email protected]

Index Manitoba INSURANCE BROKER | SUMMER 2016 | 77 YOUR SPECIALTY MGA PAL thanks our valued Manitoba Brokers! HOSPITALITY PROGRAMS Host Liquor & Special Event Liability Weddinguard Server Liability Performer Liability Event Planners Caterer Liability Exhibitor/Vendor & Kiosk Liability

CONTINGENCY PROGRAMS Event Cancellation/Non-appearance Prize Indemnity

UNIQUE PROPERTY COVERAGES Contents in Storage ATM, VLT & Vending Machines Miscellaneous Property

Automatic Rates and Instant Policy Issuance available for most PAL products online! www.palcanada.com We are Markel.

Commercial general liability Cyber risks insurance Directors and offi cers liability Environmental impairment liability Life sciences Professional liability Property and inland marine Security and protection industry Umbrella and excess liability

Helping brokers with eff ective insurance solutions since 1966 Calgary Montreal Toronto Vancouver www.markelinternational.ca Can-Sure Underwriting

Can-Sure specializes in bespoke underwriting of commercial and personal risk placements. Our experienced \UKLY^YP[LYZ^PSS[HPSVYJV]LYHNL[VZ\P[`V\YJ\Z[VTLY»ZZWLJPÄJULLKZ*HU:\YLVMMLYZL_WLY[PZLPU[OLMVSSV^PUN lines and segments of insurance:

Property (All Classes Standard and Non) Hospitality Casualty (CGL, XS, Umbrella, Wrap-up) “Great Outdoors” Resorts and Lodges Builders Risk (COC and Blanket) Recreational Risks Trucking (Cargo and Warehousing) .\PKLZ 6\[Ä[[LYZ Contractors Equipment (All Types) High Value Homeowners Vacant Risks Hard to Place Homeowners Professional Services (A&E, Medmal, Tech, Misc.) Bed & Breakfast or Home-stay Pollution Liability (CPL, Sites, Trucking) Rental or Seasonal Dwellings Manufacturing and Fabrication Management Liability (D&O) Oil & Gas Contractors and Consultants Welding Contractors

www.can-sure.com

Beacon Underwriting

)LHJVUZWLJPHSPaLZPUWHJRHNLPUZ\YHUJLWYVK\J[ZKLZPNULK[VTLL[`V\YJ\Z[VTLY»ZZWLJPÄJPUZ\YHUJLULLKZ6\Y L_WLYPLUJLK\UKLY^YP[LYZHUKJSHPTZZ[HMMZ\WWVY[MHZ[LMÄJPLU[HUKJVTWYLOLUZP]LPUZ\YHUJLWSHJLTLU[Z[OH[`V\ can rely upon. Beacon offers expertise in the following insurance products:

Boats and Personal Watercraft Special Events (Festivals, Weddings, etc.) RideSmart Motorcycle Program (in BC) Small Vendors (Public Market Vendors) ATVs, Snowmobiles, Dirt Bikes Mobile Homes Commercial Marine (Hull and P&I) Hole-In-One Coverage Marina Operators Contents-In-Storage Coverage