Kawartha/DurhamSUMMER 2013 KawaRtha/DURhaM chaptER NEwSlEttER Vol. 1, No. 3

Chair‘s ReportElaine Porter, CAIB,CIP

The short months of summer are with us. For many of us it is a time to network and have some fun on the golf course. For some achieving our New Year Resolution goals are in high gear. And for others health & wellness goals are being pursued and achieved.

The CIP Society allows us the opportunity to learn, to network, to catch up on industry developments and to

think about our careers each time we participate in events and seminars. How are we doing putting the pieces together? Are we choosing to just make a living or are we choosing to design our lives?

The Insurance Industry is a great place for each of us to find our place and design a fantastic lifestyle.

In keeping with our high standards of excellence, the Chapter will be saluting our Instructors in the month of July. “The power of Leadership through teaching” is one of the objectives of the Instructor Certification Program. This program specifically prepares an Instructor for Adult Learning within the Insurance Industry. This program will continue to ensure that our candidates are instructed by well trained individuals.

On September 5, 2013, The Kawartha/Durham Chapter along with the Insurance Brokers of Durham Region will be holding our 2nd Annual CIP Society event - a beach volleyball tournament. We are looking forward to another successful day. Please see the website for more details.

On October 15, 2013, The Chapter will host our very first Breakfast event – Ontario Auto- Future Impact on the Insurance Industry with Guest Speaker Mr Ralph Palumbo, Vice President, Ontario, Insurance Bureau of Canada. This will be held at the Ajax Convention Center in Ajax. Make plans to be there.

Let’s continue to empower ourselves as Insurance Professionals. Remember the major key to your better future is YOU. Try to remember that every day you live and think about it. The major key is YOU.

Happy days of summer everyone.

Sincerely,Elaine Porter, CAIB,CIP

What’s Inside

Don’t You Just Love Summer! 2

Kawartha/Durham Council 2012-2013 2

RIBO Level 2 Unrestricted Management licensing Class (VIRTUAL) 3

Thank You! 3

Fall CIP Classes across Kawartha/Durham 3

Upcoming Events 3

Virtual Classes 4

National Education Week 2013 4

Broker/Agent Basic Licensing Course 4

Answer the Call: Become an Instructor 4

Ontario Auto: Future Impact on the Insurance Industry 5

IIO - Kawartha/Durham Chapter18 King Street East, 16th floorToronto, Ontario, M5C 1C4 416-362-8586 Contact: Heather Tannerkawarthadurhammail@insuranceinstitute.ca

4

Learning for the real world. Rewarding.

Insurance Institute of OntarioBroker/Agent Basic Licensing CourseThe Kawartha/Durham Chapter of the Insurance Institute of Ontario is pleased to again offer our Weekend Warrior course for the licensing of insurance brokers and agents. Class size is strictly controlled, and the course is taught by Melanie Clare, FCIP, CRM who has an amazing success rate! Here is your opportunity to prepare for and write your exam in a classroom setting!

Dates (Held over 3 weekends):September 6-8, 13-15 & 27-28, 2013

Class times:Fridays: 6:30 p.m. – 9 p.m.Saturdays & Sundays: 8:30 a.m. – 3:30 p.m.

Location: Quality Suites in Whitby

Final exam: Monday, September 30, 2013 9:30 a.m. – 12:30 p.m.

Fee: $1,090.72 (includes taxes & mandatory IIO membership)

Answer the Call: Become an Instructor The Insurance Institute is looking for ambitious, personable, professional people to become instructors. Sound you like you?

» Do you enjoy being in the classroom?» Do you have a passion for teaching?» Do you have your CIP designation?

If you answered yes to these questions, then you should consider becoming an instructor for the Institute. The Insurance Institute of Ontario is looking to fill instructor positions for upcoming CIP courses in the Conestoga Chapter Area. Here is an opportunity to take part in an exercise that will contribute to your personal development. You will be instructing insurance professionals of the future. A new opportunity awaits that could very well be your calling! Don’t just make a decision, make a difference.

National Education Week 2013 Video Contest Winner from Kawartha/Durham Chapter!

The Institute held its 5th Annual National Education Week from Febraury 25 to March 1, 2013.

This years celebrations were extra special as local event attendees had an opportunity to take part in video interviewing and share their thoughts on insurance education and professional development. Many of you shared your thoughts on topics relating to today’s property

and casualty industry and your names were entered in a draw to win an Apple iPad. We received 67 entries from across Canada and the winner drawn was Joanna Wall, CIP from BST Insurance!! Thank you to everyone who participated!

National Education Week 2013 video contest winner Joanna Wall with Customer Relationship Manager Michelle Jennings from the Institute.

Virtual ClassesThe Insurance Institute of Ontario is once again pleased to offer this new alternative in CIP education.

C11 Principles and Practice of Insurance (Thursday evenings)

C12 Insurance on Property (Tuesday evenings)

C12 Insurance on Property (Thursday evenings)

C13 Insurance Against Liability (Saturday mornings)

C13 Insurance Against Liability (Tuesday evenings)

C14 Automobile Insurance Part 1 ( Wednesday evenings)

C16 Business of Insurance ( Monday evenings)

C32 Bodily Injury Claims (Wednesday evenings)

C35 Insurance Against Crime (Tuesday evenings)

C39 Fraud Awareness & Prevention (Monday evenings)

C43 Specialty Lines (Wednesday evenings)

C110 Essentials of Loss Adjusting (Thursday evenings)

C111 Advanced Loss Adjusting (Tuesday evenings)

C112 Practical Issues in Claims Management (TBD)

C120 Underwriting Essentials (Tuesday evenings)

C132 Practical Issues in Broker Management ( Tuesday evenings)

Don’t You Just Love Summer!

For most of us the summer of 2013 started out pretty crummy. Cold, rain, a little glimpse of nice weather and then more cold and rain. Where I live it snowed on Mother’s Day!!! Then, as if on cue, Mother Nature served up some true summer weather just in time for the Insurance Institute July exam session. On Monday July 8, 2013 the GTA experienced a summer storm which threatened and then surpassed the 58 year old record for rainfall and damage held by Hurricane Hazel (October 1954).

The following week I was visiting a friend who lives in one of the areas of Toronto hardest hit by the flooding. As I signaled to turn I was unable to access her street. Not because of the raging river that her roadway was just a few short days ago, but because the street was literally jammed with contractor’s vehicles and waste bins. While this sight in itself was a little daunting, I couldn’t help but think…….Here is the Insurance Industry at work, putting people’s lives back together after a terrible event. I parked my car around the corner and as I was walking down the street everywhere I looked there were contractors working and delivery people hauling materials to worksites.

The task of those of us in the Insurance Industry is complex. Everyone has a role to play in this type of event, whether you are in sales, underwriting or claims.

Those of us in sales have the task of ensuring every client understands the limitations of their policy wordings. In Personal Lines there is no coverage available for damage by outside waters with the exception of Sewer Backup. In Commercial Lines, Flood coverage is also available and it’s our responsibility as insurance professionals to outline the benefits of purchasing these coverages.

Those of us in underwriting have the task of exercising diligence to ensure we are offering coverage with deductibles and pricing relevant to the geographic configuration of the area of risk. I am sure going forward we will see more specific company guidelines from insurers around Flood and Sewer Backup coverages. Until recently flood was something that was an anomaly, now we are told by meteorologists to expect it as a common occurrence.

To those of us in claims – you have the very difficult task of helping the people in a panic – the people who have just witnessed their possessions and treasures being destroyed. You have to maintain a level of calm and compassion when in the back of your mind you are wondering how you are going to cope with literally hundreds of claim files while treating the one you are working on like it’s the ONLY ONE.

As I write this I understand we are in for another round of extreme weather later today. Be careful out there and enjoy the rest of your summer. Remember in less than six months we will be shoveling snow, complaining about the cold weather and of course getting ready for the Insurance Institute December exam session!

Lisa McMillan, B.A.(Hons.), CIPVice-Chair Academic

RIBO Level 2 Unrestricted Management licensing Class (Virtual)

Are you ready to take that next step in your career? We are offering this course two lunch hours a week online.

Monday & Thursdays 12 pm– 1 pmOctober 3, 2013 - December 12, 2013Exam December 20 (alternate exam dates can be arranged)$1055 (Includes taxes, textbooks, tuition & mandatory IIO Membership)exam fees to be paid separatelyInstructor: Melanie Clare, FCIP

Register Now. On-line: www.insuranceinstitute.ca/kawarthadurham select ‘Seminars’

Thank You!Our thanks to the following instructors and exam monitors from the Spring 2013 terms - and to their employers for the time, energy and enthusiasm so generously donated.

Spring 2013 CIP exam proctors

Roberta Zurrer, CIP McDougall Insurance Brokers Ltd.Cedric Banks, CIPMary BanksCheryl Persaud, CIP Rai Grant Insurance BrokersAinsley Brush, CIP Insurance Protection GroupDebbie Miller, CIP Petley-Hare Ltd.Elaine Porter, CAIB, CIP Bryson & Associates Insurance Brokers Ltd.Bill Hanna Marilyn Hanna, CIPDawn Robinson, CIP Aviva CanadaJoanna Wall, CIP BST Insurance BrokersEnrico Mastrangeli, FCIP Farmers’ Mutual Insurance Co.Mike Pahwa, CIP First Durham Insurance & FinancialHelen Sinclair, CIP Farmers’ Mutual Insurance Co.Steve O’Connell, CIP HTM Insurance Company Winter 2013 semester CIP Instructors

Melanie Clare, FCIP Enrico Mastrangeli, FCIPCedric Banks, CIP Kim MacCharles, CIP

Spring 2013 semester CIP Instructors

Kim MacCharles, CIPMelanie Clare, FCIP

If you have earned your designation, please consider volunteering. Contact Heather at htanner@insuranceinstitute.ca

2 3

Kawartha/Durham Council 2012-2013

Elaine Porter, CIP, CAIBChair

Jackie Murison, CIPPast Chair

Steve O’Connell, CIPVice-Chair, Professional

Lisa McMillan, BA(Hons), CIPVice-Chair, Academic

Alice Van Vught, CIPSecretary/Treasurer

Cathy Plassaras, BSc, FCIP, CRMCIP Course Coordinator

Cedric Banks, CIPExam Coordinator

Ron Bouwmeister, FCIPSeminar Chair

Ainsley Brush, CAIB, CIPConvocation Chair

Joanna Wall, CIPCareer Connections Rep

Enrico Mastrangeli, HBA, CRM, FCIPFCIP Champion

Fall CIP Classes across Kawartha/Durham

Starting the week of September 9, 2013!

Belleville

C14 Automobile Insurance Part 1Tuesday night’s 6pm-9pmMcDougall Ins Brokers Ltd, 401 - 199 Front Street, Century PlaceInstructed by Leslee MacDonald, CIP

Lindsay

C14 Automobile Insurance Part 1Monday night’s 5:30pm-8:30pmFarmers’ Mutual Insurance Co., 336 Angeline St SouthInstructed by Cedric Banks, CIP

C110 Essentials of Loss AdjustingWednesday night’s 5:30pm-8:30pmFarmers’ Mutual Insurance Co., 336 Angeline St SouthInstructed by Helen Sinclair, CIP

Ajax

C130 Essential Skills for the Insurance Broker and AgentTuesday night’s 5:30pm-8:30pmIntact Insurance Company, 59 Westney Road S, Unit 8,Instructed by Jeff Skelton, CIP

Oshawa Weekend Warrior

C12 Insurance on PropertyNovember 8, 9, 10 & 22, 23, 24Travelodge – 940 Champlain AvenueInstructed by Melanie Clare, FCIP

Upcoming EventsCIP Society & IBAO Volleyball tournamentDevil’s Den Beach Volleyball in BrooklinSeptember 5, 2013

Convocation Ajax Convention CentreFebruary 7, 2014

Education is not the answer to the question. Education is the meansto the answer to all questions.

—William Allin

Don’t You Just Love Summer!

For most of us the summer of 2013 started out pretty crummy. Cold, rain, a little glimpse of nice weather and then more cold and rain. Where I live it snowed on Mother’s Day!!! Then, as if on cue, Mother Nature served up some true summer weather just in time for the Insurance Institute July exam session. On Monday July 8, 2013 the GTA experienced a summer storm which threatened and then surpassed the 58 year old record for rainfall and damage held by Hurricane Hazel (October 1954).

The following week I was visiting a friend who lives in one of the areas of Toronto hardest hit by the flooding. As I signaled to turn I was unable to access her street. Not because of the raging river that her roadway was just a few short days ago, but because the street was literally jammed with contractor’s vehicles and waste bins. While this sight in itself was a little daunting, I couldn’t help but think…….Here is the Insurance Industry at work, putting people’s lives back together after a terrible event. I parked my car around the corner and as I was walking down the street everywhere I looked there were contractors working and delivery people hauling materials to worksites.

The task of those of us in the Insurance Industry is complex. Everyone has a role to play in this type of event, whether you are in sales, underwriting or claims.

Those of us in sales have the task of ensuring every client understands the limitations of their policy wordings. In Personal Lines there is no coverage available for damage by outside waters with the exception of Sewer Backup. In Commercial Lines, Flood coverage is also available and it’s our responsibility as insurance professionals to outline the benefits of purchasing these coverages.

Those of us in underwriting have the task of exercising diligence to ensure we are offering coverage with deductibles and pricing relevant to the geographic configuration of the area of risk. I am sure going forward we will see more specific company guidelines from insurers around Flood and Sewer Backup coverages. Until recently flood was something that was an anomaly, now we are told by meteorologists to expect it as a common occurrence.

To those of us in claims – you have the very difficult task of helping the people in a panic – the people who have just witnessed their possessions and treasures being destroyed. You have to maintain a level of calm and compassion when in the back of your mind you are wondering how you are going to cope with literally hundreds of claim files while treating the one you are working on like it’s the ONLY ONE.

As I write this I understand we are in for another round of extreme weather later today. Be careful out there and enjoy the rest of your summer. Remember in less than six months we will be shoveling snow, complaining about the cold weather and of course getting ready for the Insurance Institute December exam session!

Lisa McMillan, B.A.(Hons.), CIPVice-Chair Academic

RIBO Level 2 Unrestricted Management licensing Class (Virtual)

Are you ready to take that next step in your career? We are offering this course two lunch hours a week online.

Monday & Thursdays 12 pm– 1 pmOctober 3, 2013 - December 12, 2013Exam December 20 (alternate exam dates can be arranged)$1055 (Includes taxes, textbooks, tuition & mandatory IIO Membership)exam fees to be paid separatelyInstructor: Melanie Clare, FCIP

Register Now. On-line: www.insuranceinstitute.ca/kawarthadurham select ‘Seminars’

Thank You!Our thanks to the following instructors and exam monitors from the Spring 2013 terms - and to their employers for the time, energy and enthusiasm so generously donated.

Spring 2013 CIP exam proctors

Roberta Zurrer, CIP McDougall Insurance Brokers Ltd.Cedric Banks, CIPMary BanksCheryl Persaud, CIP Rai Grant Insurance BrokersAinsley Brush, CIP Insurance Protection GroupDebbie Miller, CIP Petley-Hare Ltd.Elaine Porter, CAIB, CIP Bryson & Associates Insurance Brokers Ltd.Bill Hanna Marilyn Hanna, CIPDawn Robinson, CIP Aviva CanadaJoanna Wall, CIP BST Insurance BrokersEnrico Mastrangeli, FCIP Farmers’ Mutual Insurance Co.Mike Pahwa, CIP First Durham Insurance & FinancialHelen Sinclair, CIP Farmers’ Mutual Insurance Co.Steve O’Connell, CIP HTM Insurance Company Winter 2013 semester CIP Instructors

Melanie Clare, FCIP Enrico Mastrangeli, FCIPCedric Banks, CIP Kim MacCharles, CIP

Spring 2013 semester CIP Instructors

Kim MacCharles, CIPMelanie Clare, FCIP

If you have earned your designation, please consider volunteering. Contact Heather at htanner@insuranceinstitute.ca

2 3

Kawartha/Durham Council 2012-2013

Elaine Porter, CIP, CAIBChair

Jackie Murison, CIPPast Chair

Steve O’Connell, CIPVice-Chair, Professional

Lisa McMillan, BA(Hons), CIPVice-Chair, Academic

Alice Van Vught, CIPSecretary/Treasurer

Cathy Plassaras, BSc, FCIP, CRMCIP Course Coordinator

Cedric Banks, CIPExam Coordinator

Ron Bouwmeister, FCIPSeminar Chair

Ainsley Brush, CAIB, CIPConvocation Chair

Joanna Wall, CIPCareer Connections Rep

Enrico Mastrangeli, HBA, CRM, FCIPFCIP Champion

Fall CIP Classes across Kawartha/Durham

Starting the week of September 9, 2013!

Belleville

C14 Automobile Insurance Part 1Tuesday night’s 6pm-9pmMcDougall Ins Brokers Ltd, 401 - 199 Front Street, Century PlaceInstructed by Leslee MacDonald, CIP

Lindsay

C14 Automobile Insurance Part 1Monday night’s 5:30pm-8:30pmFarmers’ Mutual Insurance Co., 336 Angeline St SouthInstructed by Cedric Banks, CIP

C110 Essentials of Loss AdjustingWednesday night’s 5:30pm-8:30pmFarmers’ Mutual Insurance Co., 336 Angeline St SouthInstructed by Helen Sinclair, CIP

Ajax

C130 Essential Skills for the Insurance Broker and AgentTuesday night’s 5:30pm-8:30pmIntact Insurance Company, 59 Westney Road S, Unit 8,Instructed by Jeff Skelton, CIP

Oshawa Weekend Warrior

C12 Insurance on PropertyNovember 8, 9, 10 & 22, 23, 24Travelodge – 940 Champlain AvenueInstructed by Melanie Clare, FCIP

Upcoming EventsCIP Society & IBAO Volleyball tournamentDevil’s Den Beach Volleyball in BrooklinSeptember 5, 2013

Convocation Ajax Convention CentreFebruary 7, 2014

Education is not the answer to the question. Education is the meansto the answer to all questions.

—William Allin

Kawartha/DurhamSUMMER 2013 KawaRtha/DURhaM chaptER NEwSlEttER Vol. 1, No. 3

Chair‘s ReportElaine Porter, CAIB,CIP

The short months of summer are with us. For many of us it is a time to network and have some fun on the golf course. For some achieving our New Year Resolution goals are in high gear. And for others health & wellness goals are being pursued and achieved.

The CIP Society allows us the opportunity to learn, to network, to catch up on industry developments and to

think about our careers each time we participate in events and seminars. How are we doing putting the pieces together? Are we choosing to just make a living or are we choosing to design our lives?

The Insurance Industry is a great place for each of us to find our place and design a fantastic lifestyle.

In keeping with our high standards of excellence, the Chapter will be saluting our Instructors in the month of July. “The power of Leadership through teaching” is one of the objectives of the Instructor Certification Program. This program specifically prepares an Instructor for Adult Learning within the Insurance Industry. This program will continue to ensure that our candidates are instructed by well trained individuals.

On September 5, 2013, The Kawartha/Durham Chapter along with the Insurance Brokers of Durham Region will be holding our 2nd Annual CIP Society event - a beach volleyball tournament. We are looking forward to another successful day. Please see the website for more details.

On October 15, 2013, The Chapter will host our very first Breakfast event – Ontario Auto- Future Impact on the Insurance Industry with Guest Speaker Mr Ralph Palumbo, Vice President, Ontario, Insurance Bureau of Canada. This will be held at the Ajax Convention Center in Ajax. Make plans to be there.

Let’s continue to empower ourselves as Insurance Professionals. Remember the major key to your better future is YOU. Try to remember that every day you live and think about it. The major key is YOU.

Happy days of summer everyone.

Sincerely,Elaine Porter, CAIB,CIP

What’s Inside

Don’t You Just Love Summer! 2

Kawartha/Durham Council 2012-2013 2

RIBO Level 2 Unrestricted Management licensing Class (VIRTUAL) 3

Thank You! 3

Fall CIP Classes across Kawartha/Durham 3

Upcoming Events 3

Virtual Classes 4

National Education Week 2013 4

Broker/Agent Basic Licensing Course 4

Answer the Call: Become an Instructor 4

Ontario Auto: Future Impact on the Insurance Industry 5

IIO - Kawartha/Durham Chapter18 King Street East, 16th floorToronto, Ontario, M5C 1C4 416-362-8586 Contact: Heather Tannerkawarthadurhammail@insuranceinstitute.ca

4

Learning for the real world. Rewarding.

Insurance Institute of OntarioBroker/Agent Basic Licensing CourseThe Kawartha/Durham Chapter of the Insurance Institute of Ontario is pleased to again offer our Weekend Warrior course for the licensing of insurance brokers and agents. Class size is strictly controlled, and the course is taught by Melanie Clare, FCIP, CRM who has an amazing success rate! Here is your opportunity to prepare for and write your exam in a classroom setting!

Dates (Held over 3 weekends):September 6-8, 13-15 & 27-28, 2013

Class times:Fridays: 6:30 p.m. – 9 p.m.Saturdays & Sundays: 8:30 a.m. – 3:30 p.m.

Location: Quality Suites in Whitby

Final exam: Monday, September 30, 2013 9:30 a.m. – 12:30 p.m.

Fee: $1,090.72 (includes taxes & mandatory IIO membership)

Answer the Call: Become an Instructor The Insurance Institute is looking for ambitious, personable, professional people to become instructors. Sound you like you?

» Do you enjoy being in the classroom?» Do you have a passion for teaching?» Do you have your CIP designation?

If you answered yes to these questions, then you should consider becoming an instructor for the Institute. The Insurance Institute of Ontario is looking to fill instructor positions for upcoming CIP courses in the Conestoga Chapter Area. Here is an opportunity to take part in an exercise that will contribute to your personal development. You will be instructing insurance professionals of the future. A new opportunity awaits that could very well be your calling! Don’t just make a decision, make a difference.

National Education Week 2013 Video Contest Winner from Kawartha/Durham Chapter!

The Institute held its 5th Annual National Education Week from Febraury 25 to March 1, 2013.

This years celebrations were extra special as local event attendees had an opportunity to take part in video interviewing and share their thoughts on insurance education and professional development. Many of you shared your thoughts on topics relating to today’s property

and casualty industry and your names were entered in a draw to win an Apple iPad. We received 67 entries from across Canada and the winner drawn was Joanna Wall, CIP from BST Insurance!! Thank you to everyone who participated!

National Education Week 2013 video contest winner Joanna Wall with Customer Relationship Manager Michelle Jennings from the Institute.

Virtual ClassesThe Insurance Institute of Ontario is once again pleased to offer this new alternative in CIP education.

C11 Principles and Practice of Insurance (Thursday evenings)

C12 Insurance on Property (Tuesday evenings)

C12 Insurance on Property (Thursday evenings)

C13 Insurance Against Liability (Saturday mornings)

C13 Insurance Against Liability (Tuesday evenings)

C14 Automobile Insurance Part 1 ( Wednesday evenings)

C16 Business of Insurance ( Monday evenings)

C32 Bodily Injury Claims (Wednesday evenings)

C35 Insurance Against Crime (Tuesday evenings)

C39 Fraud Awareness & Prevention (Monday evenings)

C43 Specialty Lines (Wednesday evenings)

C110 Essentials of Loss Adjusting (Thursday evenings)

C111 Advanced Loss Adjusting (Tuesday evenings)

C112 Practical Issues in Claims Management (TBD)

C120 Underwriting Essentials (Tuesday evenings)

C132 Practical Issues in Broker Management ( Tuesday evenings)

Ontario Auto: Future Impact on the Insurance Industry October 15, 2013

Please join us for a special breakfast event, sponsored by the Insurance Bureau of Canada (IBC) and featuring Ralph Palumbo, Vice-President, Ontario, IBC. You will hear him discuss the following questions: » What does Ontario’s May Budget mean for the property

and casualty industry? » What are the key recommendations of the Ontario

Anti-Fraud Task Force? » What can be done to fix the system? Brokers, risk managers, underwriters, and other insurance professionals will benefit from early understanding of the changes in government regulations. RIBO HOURS: 1 Management Don’t Miss This Critical Topic. October 15, 2013 8 am – 10 am Ajax Convention Centre 550 Beck Crescent Ajax, ON

Ralph Palumbo

Vice-President, Ontario, Insurance Bureau of Canada

Mr. Palumbo has over 18 years of experience in government relations and public affairs. As a regional Vice-President, he directs all of IBC’s government relations activities in Ontario including advocating for further reforms to auto insurance regulations and additional measures to combat insurance fraud in the 2011, 2012 and 2013 budgets. Register Today.

Price: $55 (hst included)

www.insuranceinstitute.ca/kawarthadurhamE-mail: kawarthadurham@insuranceinstitute.ca

Call: 416 362-8586 ext. 2222

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