1. finance
2. personal finance
3. insurance

A
xis Insurance is sponsoring Sam Danniels, a para-alpine skier based in
Whistler, with a three-year sponsorship. Danniels broke his back two
years ago in a mountain-biking accident, but because of his athletic
background has quickly excelled
as a sit-skier. Funds from Axis
Insurance will contribute to his membership costs in
the B.C. Disabled Alpine Ski Team and help him pay for
his specialized sit-ski equipment and his competition
and travel expenses.
“This sponsorship enables me to get the resources
I need to reach my goal,” says Danniels, who placed
second in a Nor-Am Downhill competition last season
in Kimberley. “I will break eight or nine skis during the
training season, and at $1,000 per pair, my equipment
costs can get high.”
In return for their sponsorship, Axis is able to
bring Danniels’ passion, drive and energy into their
organization to share with their staff and clients. On
the day that Danniels dropped in to the Axis offices
for the photography session for this story, the staff
gathered round to have an impromptu session and
get an update.
“We are planning to be on the mountain with Sam
this winter. Meeting Sam gives our staff the chance to
learn about his goals and challenges, and to embrace
the idea of supporting a Paralympics hopeful,” said Tony
Davis, president of Axis Insurance.
Davis and his wife Noreen are avid skiers who frequently visit Whistler. When he saw the ski equipment used
www.ibabc.org
by amputee skiers and sit-skiers, Davis was struck by the
opportunities available to skiers with a disability through
technology, creativity and their own inspiration.
That inspiration is something that the Axis managers will tap into by inviting Danniels to join clients at
meetings and staff events when schedules permit.
Danniels brings more than his competitive spirit to
Axis Insurance. He is passionate about showing how
people with disabilities can have a positive impact on society and can achieve great things, whether or not they
are athletes. He is an ambassador for the Rick Hansen
Foundation, a volunteer with the Whistler Adaptive
Sports Program, and in his spare time he teaches other
paraplegics to sit-ski.
How to grow a champion
Recognizing a need to support up-and-coming
athletes in B.C., Growing Champions (www.growingchampions.ca) was developed by 2010 Legacies Now
in partnership with the Province of B.C., Sport BC,
PacificSport and BC Athlete Voice.
Through the program, businesses can choose a
high-performance athlete based on the business’s own
criteria, such as supporting athletes from communities
where they operate or those involved in certain sports.
Sponsoring businesses commit to provide a three-year,
$5,000 annual sponsorship.
Three out of every four dollars contributed goes directly to the athlete for his or her training, equipment
and competition costs; the remaining dollar goes to
supporting future athlete development programs and
“Your
sponsorship
funds local
athletes
who are
committed
to their sport
and who apply
the funds
directly to
training and
competition”
– Tony Davis
Continued on page 18 >
BC BROKER December 2008 11
[ Fea tu re ]
Purple blankets
warm consumers
during winter sports
I
By Krista Martin
t’s a quintessential Canadian pastime to
hang out in rinks watching kids play hockey
or practise figure skating. Or to make the
best of winter conditions by having fun skiing, snowshoeing or snowmobiling.
So what could be better to help consumers
connect brokers to the now-familiar-to-everyone
“purple blanket” campaigns than to include winter sports coverage in the national and provincial
Broker Identity Programs (BIP).
Indeed, the advertising tieins have been there for many
years. Ads developed by the
Insurance Brokers Association of Canada (IBAC) and
IBABC routinely appear in
programming like Hockey
Night in Canada and national
figure-skating championships.
For the past few years IBAC and
IBABC have been expanding the
exposure of the purple blanket
Two figure skaters perform in and the broker message in winter
front of the IBAC rink board at sports. Two such national initiathe Canadian Figure Skating tives are IBAC’s sponsorships of
Championships in January 2008. Skate Canada and the Canadian
Ski Patrol System. And both initiatives provide leveraging opportunities for IBABC
full-member brokers in their communities.
The “Bipper” will again be visible on rink boards
during TV coverage of Skate Canada figure-skating
12 December 2008 BC BROKER
championships taking place
in Saskatoon Jan. 14 to 18
and in Fredericton April 1 to 5
(www.skatecanada.ca).
Brokers can tie in with this by
connecting with local Skate Canada clubs and participating in local
events. There are 1,388 Skate Canada
Clubs in Canada, 120 in B.C.; contact
the IBABC office for information on
the club nearest you.
In 2007 IBAC provided 4,000
blankets to first-aid stations at 214 ski
resorts across Canada. These resorts –
25 of which are in B.C. – are serviced by
volunteer members of the Canadian Ski
Patrol System who provide search-andrescue services on a volunteer basis.
The blankets were so well received that
this year IBAC made a five-year commitment to provide another 2,000 blankets
each year to replace lost or damaged
blankets at these hills.
Again, brokers can connect with the volunteers
at local ski hills to participate in promotions and
activities.
While a lot has to do with networking and becoming a vital part of the community, it ties into
the national pride associated with winter sports
in B.C. and Canada, and the upcoming Winter
Olympics in 2010.
Brokers who get involved in their communities,
however they do so, are putting a face to insurance
that many customers are unable to see outside the
broker’s office. Not only are customers, both new
and old, getting to know the person behind their
insurance, they are joined with them in a colloquial
www.ibabc.org
environment, such as the skating rink or ski resort,
on a level that both can relate to and enjoy.
“As insurance brokers we are firmly entrenched
in communities straight across this country,” says
Andrew Walker, vice-president of IBAC and a broker
with Cosman & Associates in Digby, Nova Scotia.
“The grassroots nature of the sport dovetails
nicely with the community involvement of the typical broker. Large corporations can spend millions to
be lead sponsors; we have the unique opportunity
to align ourselves with the under-represented core
of the sport: volunteers,” he says.
“Brokers can get involved as little or as much as
they want to,” says Janine Cavin, manager of marketing and advertising at IBAC, “from organizing
a fundraiser for the local club, to recognizing the
volunteer of the month or offering hot chocolate at
the end of a practice session.”
Here’s a winter-sport promotion that worked
well: In 2001 brokers in the Fraser Valley volunteered at Hemlock Valley ski resort to raise awareness of the risks of falling asleep at the wheel on the
drive home after a day of fresh air and exercise. They
put up a banner, engaged skiers in conversation,
and handed out information and coffee vouchers
donated by a local gas station.
Brokers who want to ‘fly the flag’ at winter events
can contact the IBABC office and obtain a free BIP
toque and neckwarmer, while supplies last. H H H
Contact Krista Martin, IBABC, 604-606-8011, kmartin@
ibabc.org.
You’ll see purple blankets
at these B.C. ski hills
100 Mile House: Mt. Timothy
Dawson Creek Ski Club
Fairmont Hot Springs Resort
Fernie Alpine Resort
Golden: Kicking Horse Mountain Resort
Hemlock Valley Resort
(near Harrison Hot Springs)
Kamloops: Sun Peaks Resort,
Harper Mountain
Kelowna: Big White Ski Resort,
Crystal Mountain Resort
Manning Park Resort
(between Hope and Princeton)
North Vancouver: Mt. Seymour Resort
Penticton: Apex Resort
Prince George: Purden Lake Ski Resorts,
Tabor Mountain Ski Resort, Hart
Highlands Winter Club, Otway Ski Area
Quesnel: Troll Resort
Revelstoke: Powder Springs Resort,
Mt. MacPherson Nordic Ski Trails,
Cat Powder Skiing
Smithers: Ski Smithers Resort
Terrace: Shames Mountain Ski Corp.
Vernon: Silver Star Mountain Resort
Season’s Greetings
During this festive season, we at Wawanesa
send our heartfelt thanks to all our brokers and friends
in the insurance community for your continued support.
Our very best wishes for a Merry Christmas, a happy holiday
and health and prosperity in the coming year!
www.ibabc.org
BC BROKER December 2008 13
[ Fea tu re ]
Among the stakeholders at a meeting
held Nov. 25 to explore ways of achieving
stability in insurance valuations in B.C.
were Tomi-Lyn Dean, regional sales,
Compu-Quote; Biff Moriarty, VP, market
development, e2Value; IBABC Chairman
Ted Lewis, and James Nickelo, senior
VP, sales and business development,
Compu-Quote. Insurers represented at the
meeting included Aviva, Axa Pacific, CNS,
Family, Gore Mutual, Sovereign General,
Economical, ING, Wawanesa and RSA.
New player joins
B.C.’s ITV game
A
By Trudy Lancelyn
craftsman is only as good as his tools. So
when a new tool was introduced to B.C.’s
P&C insurance industry by a major broker management system last month, it
caused a stir, because it added an unknown and unproven variable to the
already troublesome insurance-to-value arena.
In September Compu-Quote made available on its
broker management system an alternate desktop valuation tool called ezITV. A few B.C. brokers tried it and
generally determined that it did not meet their expectations; in some cases values were below the minimums
set by insurers.
On Nov. 3 Compu-Quote announced it had signed
an agreement with e2Value Inc., the Canadian distributor of ezITV, making it the default valuation calculator
in its broker management system as of Jan. 1, 2009,
and replacing the MSB product that had been available through Compu-Quote since the early ’90s. This
meant that decisions had to be made by insurers and
brokers alike – and many brokers were likely looking at
increased expenditures of time, effort and money.
IBABC issued a memo Nov. 8 asking insurers in
the B.C. habitational market to indicate whether they
would be accepting valuations done using the ezITV
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www.ibabc.org
calculator. A couple of insurers said yes – a
decision likely based on the fact that they
were already accepting this product in the
Ontario market. Some said no; some said
maybe, with conditions. Brokers meanwhile had questions around costs, transfer
of data and training. Many expressed
frustration that boardroom decisions appeared to have been made without much
consideration of their effects on the B.C.
market.
The relationship between MSB and
Compu-Quote broke down during negotiations for renewal of the contract
between them. MSB had indicated its
corporate direction of phasing out its
desktop version in favour of its webbased “Express” version. Compu-Quote
argued that its customer surveys showed
a strong preference for the desktop option, and that brokers would not welcome
the switch to a transaction-based pricing
structure that would be more expensive.
In Compu-Quote’s view it had no choice
but to find an alternate supplier. According to MSB, it agreed to continue to offer
the desktop version, but it was too late,
Compu-Quote had already thrown in
with e2Value.
ezITV is the brand name of a whitelabel RS Means product distributed by
e2Value Inc. RS Means is a major provider
of construction cost data in some parts of
the U.S. and since 2003 in Ontario.
According to Biff Moriarty, VP, market
development, e2Value, the data driving
the values in ezITV come from the usual
sources – contractors, StatsCan, appraisers
and so on – and the software provides for
regional differences to the first three digits
of postal codes. Actual reconstruction
costs of 80 loss cases have been factored
in over the past two years, but he admits
that none of them were B.C. losses. B.C.
insurers have agreed to provide e2Value
with data from recent total losses. CompuQuote has committed to make valuation
adjustments to better align ezITV’s results
with B.C. market realities. On the basis
that these adjustments are done, insurers have indicated they will accept ezITV
valuations.
Some brokers have said that it’s unfair
to be charged a fee to attend a seminar to
use a product they didn’t choose. CompuQuote said it will offer a weekly online
seminar and an online tutorial available
free of charge.
In the October issue of BC Broker we
reported that MSB and PowerSoft have
made short-form options available to
brokers, although not all insurers have
indicated their acceptance of short-form
valuations. e2Value will also work toward
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How to add
a touch of yellow
to your holidays:
Canary diamond
Butterscotch candy canes
Sports car
Vacation in the sun
Labrador puppy
Holiday wishes from Aviva
From our family to yours, have a happy and healthy
holiday season and best wishes for the new year.
Continued on page 19 >
www.ibabc.org
BC BROKER December 2008 15
[ Fea tu re ]
Rick Parent
and Steve
Sache were
honoured at
the annual
Salute dinner
in October
T
The annual Salute event is organized by an allindustry committee. Serving in ’08 were Cathy
Daniels, BFL Canada; Cory Ratke, Aon Reed
Stenhouse; Kathy Taylor, ICBC; Jeremy Green,
ING; Sara Belvedere, HUB International; Jarett
Wong, Prosperous Insurance; Roberta Kelly,
CUISA, and Heather Prizeman, BCAA.
wo well-known insurance brokers and
all-round nice guys were honoured at the
annual Salute banquet on Oct. 22.
Rick Parent, president of Coast Capital
Insurance Services headquartered in Vic
toria, was honoured as Insurance Person of
the Year for ’08. And Steve Sache, partner at Atkinson &
Terry Insurance Brokers with its head office in Delta, was
named the industry’s Rising Star.
Parent started his career in the Canadian Forces and
became the youngest combat driver at the age of 20. After six exciting years, he joined in 1978 a Victoria credit
union, which
through mergers
and name changes has become
Coast Capital
Insurance Persons of the Year: Eric Laity, Ron Newcomb, John Glavin, Vince
Pritchard, Rick Parent, Patti Kernaghan, Ron Defieux, John Toomer, Dave
Clarke. Not shown: Jake Brower, Herb Osen, Mike Porter, Terri Johnson, Jim
Ball. Deceased: Jack Hamilton, Bob Vickerstaff, Conrad Speirs.
16 December 2008 BC BROKER
www.ibabc.org
Savings. He has been a part of the
insurance subsidiary’s growth to
its current 30 offices on Vancouver
Island and the Lower Mainland.
Parent’s volunteer work in the
industry has been significant.
He has served on the board of
the Insurance Council of B.C. for
10 years, serving as chairman in
2007-08, and is now past chair.
He was president of the Credit
Union Insurance Services Association from ’02 to ’05 and was on
the ICBC/Broker
“He’s
Strategic Accord
negotiating team
known for
in 2002.
giving as
He’s known for
much to his
giving as much to
community
his community as
as he has
he has to the into the
dustry. During the
industry.”
years he was director of the Boys and Girls Clubs of
Victoria he led fundraising drives
that resulted in renovations to the
club’s facilities.
Rick and his wife of 35 years
Terry raised two children and are
now enjoying spending time with
their four grandchildren.
Rising star Steve Sache was
featured in our August BC Broker.
He was part of the Strategic Accord team in 2007. He joined the
IBABC Board of Directors in 2003,
served as treasurer for two years
and chaired the newly formed
Young Broker Network in ’07.
In his remarks at Salute, Sache
acknowledged the mentorship of
the Atkinson & Terry founders:
his father Don Sache, and Don
Terry and Brent Atkinson.
Steve and his wife Monique
have three children, a daughter,
10, and boys 6 and 5. Kristina Carlee Priest accepts the
John F. Hamilton Scholarship from
IBABC First VP Lorne Perry
This year’s recipient of the $2,500
John F. Hamilton scholarship was
Kristina Carlee Priest of Surrey.
Kristina is the daughter of Warren
Priest, a broker with Schill Robinson
Insurance in Delta.
During her high-school years at
Lord Tweedsmuir Secondary, Kristina
was an honour student involved in a
wide range of activities, and excelled
at all of them. She played softball at regional and provincial levels and was
named MVP. For several years she has taught Sunday school and worked
part time as a restaurant server, and continues to do so.
Kristina is in the International Development Program at the University of the Fraser Valley, where she’s studying the socio-economic issues
of developing countries. She plans to combine this knowledge with the
skills and experience she gained as a youth leader volunteer for Young
Life Canada to work with children in developing countries.
Funds for this scholarship are raised through IBABC’s annual Jack
Hamilton Memorial Golf Classic.
Salute Committee member Kathy
Taylor presents Jennifer Wills with
the Salute Scholarship
The $2,500 Salute Scholarship was
awarded to Jennifer Wills, the daughter of Brian Wills of Axa Pacific Insurance. Jenn is no stranger to excellence
in academia or the workplace; she
was recognized with both the Top
Service Award and the Earl Beaumont
Citizenship Award from her graduating class at Handsworth Secondary
School in North Vancouver.
A highly active individual, Jennifer participated in such sports as soccer, hockey and boxing. She has portrayed her many leadership capabilities through tutoring, acting as a youth coach and assisting in the
organization of the Special Olympics. A member of the Student Council,
the Athletic Council and the Sr. Concert Band, she also spent four summers working at Reliance Insurance.
Jenn will put the scholarship towards her studies at the University
of Victoria, where she is currently enrolled in the Faculty of Arts and is
studying Humanities.
Proceeds from the annual Salute dinner go to this scholarship. Staff from Coast Capital and Atkinson & Terry were out in force to honour Rick Parent and Steve Sache
www.ibabc.org
BC BROKER December 2008 17
Growing Champions
< Continued from page 11
increasing sport participation in B.C. Businesses can certainly
sponsor a local athlete directly and have 100% of the sponsorship
go to that athlete. For example, Murrick and Somerset Insurance
(the Nakamun Group) is sponsoring one of Canada’s top snowboarders, Michael Lambert. However, the Growing Champions
program provides a structure that can be helpful to a business.
Although the program developed out of a 2010 Winter Games
initiative, the athletes seeking sponsorship are not just involved
in winter sports. There are hundreds of Growing Champions
athletes from a variety of sports – from curling to speed skating to wheelchair basketball – who are looking to connect with
businesses throughout B.C.
Through Growing Champions, sponsors are able to engage
the communities in which they operate in an innovative way
by supporting the teamwork, determination and leadership of
B.C.’s athletes and by fostering the transfer of those skills from
sport into the community.
Axis Insurance Managers has an active sponsorship program.
Tony Davis heard about Growing Champions through his wife
and decided that it met the brokerage’s sponsorship criteria.
“With the Growing Champions program you can see the
result with the athletes immediately,” Davis says. “Your sponsorship funds local athletes who are committed to their sport
and who apply the funds directly towards getting the resources
they need for training and competition.” Local champions
H H H
Contact Aaron Vidas, 778-331-0177, avidas@growingchampions.ca or
visit www.growingchampions.ca
Close to 1,000 up-and-coming athletes in B.C. are
looking for support. Here are just a few of them:
Name: Nicole Haywood
Sport: Canoe-kayak
Hometown: Nanaimo
Age: 19
In 2007, Nicole earned a gold, a silver and a bronze at the
Canadian National Championships. She is pursuing a university education and
wants a career in biochemistry research. Outside of sport, Nicole’s main interest is
exploring other cultures, as she recently travelled for five months to India, Thailand
and Cambodia.
Name: Ross MacDonald
Sport: Wheelchair Basketball
Hometown: Vancouver
Age: 31
2007 was a very successful year for Ross and his team who
won gold at the Canadian National Championships and silver at the NWBA
Final Four Championships. As vice-president of the board of directors for
BC Wheelchair Basketball, Ross is a keen advocate for his sport, working on
program development
and helping to guide
Name: Tyrel Griffith
the future development
Sport: Curling
of the organization.
Hometown: Kelowna
Age: 22
Tyrel’s team placed second at the
Canadian Jr. Championships and the international
Karuzawa Interaction Curling Tournament. He had
to choose between going to college and curling,
and chose to focus on curling this year. A Growing Champions sponsorship would cover travel
expenses and entry fees so that he could attend
more competitions.
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18 December 2008 BC BROKER
Name: Karla Sparks
Sport: Curling
Hometown: Langley
Age: 23
Karla is both a competitive curler
and a full-time student at Thompson Rivers University, working towards a career in teaching. After
winning the 2006 Regional Playdowns, Karla and
her team placed third in the BC Scotties Provincial
Tournament and fourth in the Crown of Curling
Tournament this year.
Name: Nam Nguygen
Sport: Figure Skating
Hometown: Richmond
Age: 9
At the age of eight, Nam was
the youngest figure skater ever to become National
Juvenile Men’s Champion at the Canadian Figure
Skating Championships. He also won a silver medal
as a Pre-Novice at the 2008 BMO Skate Canada
Western Challenge. Nam loves school, especially
reading and math, and plays the piano and guitar
in his spare time. www.ibabc.org
insurance to value
< Continued from page 15
offering a short-form valuation option.
Compu-Quote brokers can choose to use ezITV or
can opt not to. If they’re interested in continuing to
have access to MSB’s RCT products – desktop or Express
version – they should contact MSB directly. MSB’s RCT
is also available through Custom Software Solutions,
another broker management system. Brokers who use
PowerHouse are probably relieved not to be affected
by these changes.
The transferability of historical data has been a concern for brokers. Here’s the bad news (as of BC Broker’s
press time): Data that was entered into the RCT EvaluRater in Compu-Quote will be visible in
a viewer, but will not auto-populate into
ezITV fields when doing new valuations
on renewal. Even though those records
were entered into an RCT application in
the Compu-Quote system, they will not
be transferable to MSB’s products either.
Brokers may want to clarify with their
current and future valuation software
providers what format their data will be
available to them in upon termination of
their relationship.
So what’s next in our on-going search for ITV utopia? You can probably expect more options. The days
of a common calculator are gone; single-entry, multichannel interface may also become a thing of the past.
Don’t be surprised if more insurers start offering their
own ITV tools to their brokers. Brokers (in B.C. anyway)
will continue to be vocal in saying ITV is not just their
problem; the fix has to come from the whole industry.
The good news is that there are signs of cooperation
in seeking solutions. Perhaps within a few years full
insurance to value can be achieved – the future of
guaranteed replacement cost secure and published
premiums reduced.
We have the technology. We have the will. Can we
agree on what the right tools should be? So what’s
next in our
on-going
search for
ITV utopia?
What makes B.C. different?
It’s not just the physical barrier of the
Rocky Mountains that sets us apart:
A variety of insurers, from smaller
regional ones for whom B.C. is a significant part of their overall business,
to international ones that centralize
decision-making in their Toronto head
offices. These insurers bring a diversity
in underwriting and business philosophies and approaches.
The results of the catastrophic loss in
2003 in which about 240 homes in the
Kelowna and Thompson/Okanagan
area were totally lost to fire. Most
insurers operating in B.C. had reconstruction data that showed the homes
were undervalued by an average of
$100,000 per home, or about 30%.
 A superheated economy and housing
market for the past few years that has
driven up construction and reconstruction costs.
A public auto system that for some
insurers reduces the overall volume
of personal lines business, and their
ability to cushion the effects of pricing,
market cycles or large losses.
In other aspects of our lives (not just
insurance), we in B.C. are sometimes
underestimated by Ontario-based
decision-makers, so we tend to come
up with our own made-in-B.C. solutions. www.ibabc.org
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BC BROKER December 2008 19
Congratulations
to the class of
2008!
Fellows, Chartered Insurance Professionals - FCIP
Alexander Alcid
Aviva Insurance Company of Canada
Christine Bergsma
ING Insurance Company of Canada
Anne J.P. Collins
Aviva Canada Inc.
Ross Elkin
ICBC
Irene Johnson Fehr
State Farm Insurance
Jeremy Gallant
FM Global
Donna Garcia
ING Insurance Company of Canada
Barbara Susan Gillespie *
Christie-Phoenix (Victoria) Ltd.
Brenda Hewitt
ING Insurance Company of Canada
Jaclyn Jacquard *
Gore Mutual Insurance Company
Man Leung Leung
Excess Markets (B.C.) Corporation
May Lo
AXA Pacific Insurance Company
Sarah Newman
Aviva Canada Inc.
Rhonda Palmer
SCM ClaimsPro Inc.
Kevin D. Preuss
AXA Pacific Insurance Company
Pauline Qian
Aon Reed Stenhouse Inc.
Arlene Rocha
The Sovereign General Insurance Co.
Jorge Rojas
GCAN Insurance Company
Carmen Peralta Santiago
Family Insurance Solutions Inc.
Maria Vivien Santos
The Economical Insurance Group
Diana Stocco-Serban
Commonwealth Insurance Company
Maureen Tuggle
Falkins Insurance Group
Vivian Yiu
Canadian Northern Shield
Chartered Insurance Professionals - CIP
Pari Abbassi
Wawanesa Mutual Insurance Company
Aleta Andrew
ICBC
Noelle Arneson
Christie-Phoenix (Victoria) Ltd.
Gail A. Beszedes
ICBC
Karin Billham
Marsh Canada Limited
Christian Bishop
ICBC
Yana Bogusinski
Crawford & Company (Canada) Inc.
Anne Budin
Commonwealth Insurance Company
Linda Calbick
ICBC
Nivian Chan
Chubb Insurance Company of Canada
Kevin Chan
Insure BC Underwriting Services Inc.
Elvis Chan
The Economical Insurance Group
Chuck Chang
HUB International Insurance Brokers
Anita Chen
-Tammy Cheng
Wawanesa Mutual Insurance Company
Krista Clarke
Christie-Phoenix (Victoria) Ltd.
Jane Cochrane
ICBC
Kimberley Cox
SCM ClaimsPro Inc.
Mario E. Cunada
Atkinson & Terry Insurance Brokers
Tara deGoede
ICBC
Chris Foster
Rand & Fowler Insurance
Deanna Gray
ICBC
Karen Hausch
ICBC
Brian Hollingworth
ING Insurance Company of Canada
Anna Choi-Mei Hon
ING Insurance Company of Canada
Mary-Lou Huculak
Crawford & Company (Canada) Inc.
Derek Humphrey
AXA Pacific Insurance Company
Eric Hung
Cunningham Lindsey Canada
Gurdeep Jaswal
BCAA Insurance Agency
Ranjit Kaur Jhutty
Garrison Beatty & Garrison (Van.) Ltd.
Alison Jane Knight
BFL Canada Insurance Services Inc.
Vanessa Ko
Travelers Guarantee Company of Canada
Tammy Krott
Riverside Insurance Agencies (1984) Ltd.
Tristan Laderoute
Translink
Woody Lee
ING Insurance Company of Canada
Irene Lee
Marsh Canada Limited
Canita Sou Lee
Family Insurance Solutions Inc.
Annie Li
Aon Reed Stenhouse Inc.
Lauren W. Liu
Commonwealth Insurance Company
Sandra Lyon
BCAA Insurance Agency
Keith Ma
The Economical Insurance Group
Sarah Magcalas Toth
The Sovereign General Insurance Co.
Brian Mak
ING Insurance Company of Canada
Dale Coreen Managh
Canadian Direct Insurance Inc.
Shoko Mano
Tokio Marine & Nichido Fire Insur. Co.
Kathryn McBurney
ICBC
Maggie (Jun) McCumber (Xie)
Commonwealth Insurance Company
Jim McGinnis
ICBC
Eva Chiara Michielutti
SCM Risk Management Services Inc.
Kelly Mills
Lombard Canada Ltd.
Glenn Minnis
Ecclesiastical Insurance
Nilanjana Mittra
Pacific Marine Underwriting Managers
Sarah Mokry
AXA Pacific Insurance Company
Manjinder Moore
ICBC
Sarah Moore
AXA Pacific Insurance Company
Mark Nguyen
ING Insurance Company of Canada
Tara Parr
Christie-Phoenix (Victoria) Ltd.
Amy Prychun
ICBC
Lorna Rabinovitch
SCM ClaimsPro Inc.
Kasia Rachfall
Beacon Underwriting Ltd.
Adriana Radu
The Economical Insurance Group
Lisa Reddekopp
Aon Reed Stenhouse Inc.
Marnie Richardsen
Peter F. Pook Insurance Agencies Ltd.
Tara Saunders *
Chubb Insurance Company of Canada
Rebecca Saundry
ICBC
Bill Semrau
Jones Brown Inc.
Janna N. Smart
SCM ClaimsPro Inc.
Melissa Pui Kay So
The Sovereign General Insurance Co.
Loida Subido
Canadian Direct Insurance Inc.
Pierre-Luc Thiffeault
Cunningham Lindsey Canada
Devon Thompson
Chubb Insurance Company of Canada
Donna Townson
Westland Insurance Group Ltd.
Wilson Huy Tran
Vinasafe Insurance
Lisa Tse
Aviva Insurance Company of Canada
Anna Tyo
Marsh Canada Limited
Simone Van Kooy
Canadian Northern Shield
Valerie Weston
Family Insurance Solutions Inc.
Carol Ann Wiebe
The Economical Insurance Group
Shannon Willford
Whillis Harding Agencies
Malika Winski
AXA Pacific Insurance Company
Kitty Wong
Reliance Insurance Agencies Ltd.
W.Y. Wu
SCM Risk Management Services Inc.
Xue Hong (Irene) Wu
Wawanesa Mutual Insurance Company
Bing Xia
Wawanesa Mutual Insurance Company
Leslie Young
ING Insurance Company of Canada
Shawna Young
ICBC
Sarah Zipp
AXA Pacific Insurance Company
* Honours graduates
When it comes to insurance,
a chartered insurance professional knows.
Chartered Insurance Professionals and Fellow Chartered Insurance Professionals are
dedicated experts who have completed a rigorous qualification process requiring several
years of study, strict adherence to a code of conduct and years of insurance experience.
We salute the class of 2008 for their ethics, responsiveness and professional achievement.
20 December 2008 BC BROKER
C H A R T E R E D
I N S U R A N C E
PROFESSIONAL
www.insuranceinstitute.ca
www.ibabc.org