What makes green roofs special?

new technology into
spread confidence of the market or allow
current bylaws all the
for adaptability in skills and trades,
time without consulting
installations and engineering methods
the insurance industry,
or mitigation of risk for insurers or lendshe says. The new B.C.
ers,” the UDI claimed. Additionally it
Building Code requiresaid there aren’t enough consultants or
ment for rain-screen
contractors fully trained with regard
technology on all new
to green-roofing technologies, and that
single-family homes in
building-code requirements don’t adthe coastal climate zone
dress green-roof components. (At time
is a good example.
of writing, the Canadian Standards AsDevelopers and the
sociation and B.C. Association of Landinsurance industry simscape Architects are drafting green-roof
ply adapt to the new
technical standards.)
requirements, she says.
“Insurance is available for green
But adjustment to the
roofs, but this situation may be altered
green-roof amendments
under regulation due to a real or permay not be as easy as inceived elevation in risk factors. There
corporating rain screens
may be potential cost increases due to
into building designs.
elevated levels of risk in the installation
Beyond potted palms: An intensive green roof atop the Coast While it didn’t dispute
of redundancy systems, or in insurance
Plaza Hotel in Vancouver has the appearance of a forest.
the long-term environpremiums,” UDI said.
mental benefits of green
Research as to the viability and perbecause they find a gray area where
roofs, the Urban Development Institute
formance of green roofs is underway at
coverage is being applied to a loss they
(UDI) urged the Port Coquitlam council
two research centres in Canada. One is
didn’t anticipate,” says John Donovan,
to move slowly on its zoning amendment.
a National Research Council green-roof
national practice leader, construction,
Mandating green roofs was “premature
monitoring facility in Ottawa and the
at BFL. In the case of green roofs, that
and absent of strong support” from the
other is a research centre at the British
hasn’t happened.
development industry, the UDI said prior
Columbia Institute of Technology (BCIT)
“We do lots of high-rises and multito the amendment being passed.
in Burnaby.
family residences, but there is not a
“There is not the level of consistency in
At BCIT it was found that a green
significant amount of interest coming
the technology that would permit wideroof with 75 mm of growing medium
from the insurance companies [about
green roofs], where they want to know
a lot about that particular component of
the build. The reason they would want
to know is because either positively or
A lawn that’s 50 ft. by 50 ft. (232 sq. metres) produces enough oxygen for a family
negatively it’s going to affect the rating
of four. Eight average-sized front lawns have the effect of conditioning 70 tons of air
structure that’s going to be applied.”
– enough for 16 average homes. Green roofs turn this into a monetary advantage. The
Donovan expects coverages will be
insulation value of a green roof helps cool a building in summer and, depending on
reviewed in future if the industry faces
geographical location and the plants used, insulates a building in winter. As little
major claims due to faulty workmanship
as 10 cm of growing-medium substrate with sedum cover reduced the summer airor faulty design.
conditioning needs of a one-storey building in Toronto by 25%.
It’s been estimated that there are more
The large expanse of overheated roofs in a city during the summer causes what is
than 190 green-based insurance products
called an urban ‘heat island’ effect, which is responsible for generating ground level
and services now on the market from
pollutants such as ozone, smog and nitrous oxides. Green roofs reduce that effect.
insurers in 16 countries. That includes
By irrigating a planted roof, depending on the amount of water and the plant type,
coverage by Lloyd’s against a green
temperature can be decreased to as little as one quarter that of a non-irrigated roof.
building failing to meet predicted energy
Research in Toronto has revealed the surface temperature of a conventional roof
savings or renewable-energy-technology
can reach 70 degrees Celsius or more on a summer afternoon compared to a green
performance levels.
roof that maintains a temperature of 25 degrees Celsius. Because a green roof
According to Kim Fowler, director
reduces heat gain and fluctuation in a roof surface temperature and acts as a barrier
of development services for Port Coto the destructive UV light that destroys roof membranes over time, it can extend the
quitlam, the zoning bylaw amendment
membrane life span up to two or three times normal.
for green roofs is part of a larger sustainGreen roofs also act as ecological sponges, absorbing rainwater and/or releasing
ability initiative in that city. Fowler says
it slowly over time. In Vancouver, a green roof with 30 cm of growing medium will
the city is aiming for such environmental
trap and hold an average 3.3 cm of stormwater. This accounts for 90% of the storm
benefits as intercepting and reducing
events in Vancouver.
stormwater runoff, improving buildTrapping particulate matter from vehicle engine emission is another benefit of
ing thermal performance and reducing
green roofs. They help create an urban habitat for insects, birds and micro-organisms
energy consumption.
that may have been displaced by the building as well.
Fowler says the city didn’t contact
There are many roof systems commercially available, but generally the systems
the insurance industry for input as to
include: a waterproof membrane that covers the roof structure, often with a root
impacts the bylaw amendment might
barrier; a drain mat that ensures stormwater drains once the growing medium is
have on developers’ or builders’ insurfully saturated; a filter cloth between the drain mat and the growing medium; and a
ance premiums. City officials are faced
growing medium made up of sand, silts, organic matter and lava rock. with the necessity of incorporating
What makes green roofs special?
www.ibabc.org
THE BC BROKER february 2007 — PAGE 11
roof membrane in summer
from 50oC to less than 30oC
and the median temperature
fluctuation of the membrane
was less than 5oC.
Anita Green, education coordinator at BCIT’s Centre for
the Advancement of Green
Roof Technology, suspects the
insurance industry has not
focused on green roofs because
they don’t merit special underwriter attention. “A green roof
hasn’t been viewed as something terribly different from an
overburden roof system. If you
did a flood test or electro-mapping (for holes or seam leaks)
to make sure the membrane is
tight, then putting any overburden on the roof carries the
Now you sedum: There are about 400 varieties of sedum. same risk, whether it is gravel
Stonecrop and Hens and Chicks are two popular names or medium.”
you’ll see at the garden store.
Rob Harris, the assistant
technical manager at the Roofplanted with sedum (a drought-resistant
ing Contractors Association of B.C.
plant) retained 29% of rainfall. It also
(RCABC) agrees. “We’re getting a lot
reduced the daily energy demand due
of questions about [green-roof systems]
to heat flow through the roof by 83–85%
from architects, but,” he says, “I haven’t
in spring/summer and 40–44% in fall/
heard anything from the insurance inwinter, with an overall annual reduction
dustry in particular.” Membrane manuof 66%. The green roofs lowered the
facturers have product warranties for
maximum temperature reached by the
green-roof applications just as they do
PAGE 12 — THE BC BROKER february 2007
for inverted roof assemblies with ballast
rock, though he recognizes that some underwriters may see additional risks. “If
the membranes aren’t done right there
could be problems.” With the RCABC
contractor warranties and the product
warranties, he thinks added risks are
minimized. Detail work is the most important in his opinion, however.
Jeff McLellan, client executive, professional liability, at BFL Canada believes
underwriters are slowly gaining familiarity with green-roof risks, and in the meantime are relying on inspections and assurances from architects and engineers.
“There are specialty firms that know
exactly what they are looking at and
what they are dealing with. It will be a
matter of time before architectural firms
or engineering firms actually absorb that
knowledge and experience themselves.”
When they do, he thinks insurance application forms will change.
“As it stands now, it’s not an issue or
concern. But as firms take the projects
on themselves I think you’ll see the application forms finally changing for the
first time in eight to 10 years and the
questions will be asked.”
At the moment, “if a firm happens to
include information in their corporate

Continued on page 21
www.ibabc.org
Broker Continuing Education for 2007
Keeping up
with trends
By Greg P. Mansfield ba caib dipl.ed.
Continuing Education Coordinator
and Online Learning Development Manager
W
elcome to the annual 2007
Education Calendar section of the B.C. Broker magazine, your handy reference “pull-out” that highlights IBABC
education programs for the year.
In preparing this year’s continuingeducation program, we have kept in
mind that local, national and international economic and societal trends are
ultimately reflected in your brokerage
office. Therefore, we have programmed
a variety of practical and informative
seminar topics to help you stay up on
the trends and be ready for those on the
horizon.
For example, the “boot-camp intensive” is a popular style of training that is
proving successful for everything from
fitness to business. And no wonder. We
all know the value of lifelong learning
(not to mention the need for those CE
credits) but our lives can get so busy; the
time taken away from work or leisure
for learning has to be used efficiently.
With this method in mind, we are offerwww.ibabc.org
ing some boot-camp seminars this year,
including Commercial Property Wordings
Boot Camp and Personal Lines Boot Camp
(Parts 1 & 2), debuting in the spring.
These sessions are filling fast, so enroll
early if you want to be included.
With the Baby Boomer generation
now entering semi- or full retirement,
the issues of insuring seasonal homes
and home-based businesses, plus other
issues to do with the quality of retirees’
lives and ceding brokerage business,
are now foremost in everyone’s minds.
These issues are highlighted in IBABC
seminars this year and include coverage
for secondary and seasonal homes, water
craft, “snowbirds” and travel medical,
plus essential techniques for brokerage
succession planning.
Considering the current construction
boom in B.C., with cranes on the horizon
in every direction you look, we are offering many commercial lines seminars
that focus on dealing with new risks,
building codes, building construction,
new case law, the new CGL wordings,
and issues involving the insurability of
the construction industry itself.
Similarly, and with residential property values still going strong, our personal
lines seminars will bring you up to speed
on how best to discuss insurance to value
(ITV) issues with your clients and what
to be aware of for front-line residential
risk inspection.
With the population of B.C. continually on the rise and public Internet usage
higher than ever, crime is also an increasing concern. This includes petty theft,
scrap-metal and job-site rip-offs, fraud,
ID theft and computer hacking – all leading to the need for you to stay up-to-date
on the issues and recommend adequate
commercial crime, property and business
interruption coverages to your clients.
Our new Commercial Crime Coverages,
Advanced Business Interruptions Insurance
and Fraudulent Property Insurance Claims
seminars will help you do just that.
Finally, severe weather and other natural disasters continue to fill the headlines.
If your brokerage or your clients’ offices
do not have written action plans to fall
back on in times of emergency, be sure
to take part in our well-received Business Recovery Plans for Brokers and Clients
workshop, which will be repeated this
summer.
As usual, this 2007 Education Calendar pull-out section lists about 90% of
our broker education offerings for the
year. As the year progresses, more seminars and other events will be added to
the program. In addition, places, dates or
times for sessions listed in this calendar
may change unexpectedly. So, please
remember to visit the Education section
of our website (www.ibabc.org) regularly
for the latest in course additions and
changes.
Thank you for participating in IBABC’s education programs – Education for
Brokers, by Brokers. gmansfield@ibabc.org
THE BC BROKER february 2007 — PAGE 13
Continuing
Education
for 2007
AL = All Lines
PL = Personal Lines
CL = Commercial Lines
PD = Professional Development
T = Technical credit
P = Professional credit
Most morning seminars are held 9 am to
noon; most afternoon seminars are held 1 to 4
pm. Lunch & Learns are usually from 12:30 to
2:30 pm and the price includes lunch. Check
www.ibabc.org for times, prices and venues
Boats/Marine
All About Boats
Beverley Carlson and/or John Zeiler
Types of pleasure boats, including sailboats,
cruisers and runabouts. Construction, propulsion
systems, vessel licensing and registration, and the
role of a marine surveyor.
PL 3T 27 Mar, morning, Burnaby
12 Apr, morning, Nanaimo
27 Sep, morning, Victoria
Pleasure Craft and Yacht Insurance
Beverley Carlson and/or John Zeiler
Basic understanding of pleasure craft and
Outstanding
coverage 24/7
...for 36 years
North
Island
Campbell
River
Courtenay
Comox
Port
Alberni
Powell
River
Vancouver
Nanaimo
Duncan
Victoria
Adjusting • Surveying • Mediation • Special Investigation Unit • 8 offices • 35 experienced staff
1-800-663-7022
PAGE 14 — THE BC BROKER february 2007
www.coastclaims.com
Contents
Boats/Marine
Brokerage Management
Business Interruption
Commercial General Liability
Commercial Lines
Directors & Officers
Law
Personal Lines
Professional Skills
Residential
Sales & Customer Service
yacht insurance issues. Construction, operation,
repair and their implications to marine insurance
coverages.
PL 3T 27 Mar, afternoon, Burnaby
12 Apr, afternoon, Nanaimo
27 Sep, afternoon, Victoria
Marine Insurance – Part 1
Peter Wright
A workshop focusing on hull and machinery,
protection and indemnity, and miscellaneous
marine liabilities.
CL 3T 8 Nov, morning, Burnaby
Marine Insurance – Part 2
Peter Wright
A workshop on ocean marine and air-cargo
coverages.
CL 3T 8 Nov, afternoon, Burnaby
Brokerage
Management
Business Recovery Plans
for Brokers and Clients
Edith Strauss
Create a plan for your brokerage and be ready to respond to disasters at any level from simple operational challenges to an overwhelming volume of losses. AL 3T 16 Aug, morning, Burnaby
www.ibabc.org
Capitalizing from
Proper Claims Handling
Edith Strauss
The essentials of proper claims handling, when
and when not to intervene in the claims process, and
how to use a claim to strengthen your relationship
with your client.
AL 3T 11 Oct, afternoon, Burnaby
14 Nov, afternoon, Victoria
Construction Property Claims New!
and Coverage
Neo Tuytel & Glen Boswall
Builders’ risk, course-of-construction and general property coverages, as well as exclusions and
potential gaps in coverage. Alternate methods of
resolving construction-related disputes.
CL 3T 14 Jun, morning, Burnaby
27 Nov, morning, Burnaby
Establishing and Maintaining
Internal File Audits
Karen MacWilliam
Learn a process for quality control, communication; how to establish litigation-resistant file
documentation and techniques for facilitating
faster file review.
CL 3T 6 March, morning, Burnaby
Contemporary Liability
New!
Insurance, Part I: How We Got
Here From There
Glen MacRae
The legal and economic factors that led to the
re-write of the standard IBC liability policy. A claims
perspective provides a deeper understanding of the
policy’s complexities.
CL 3T 8 Mar, morning, Burnaby
18 Apr, morning, Prince George
27 Sep, morning, Kelowna
17 Oct, morning, Burnaby
24 Oct, morning, Cranbrook
22 Nov, morning, Victoria
Business
Interruption
Advanced Business New!
Interruption Insurance
Renate Mueller
Review financial statements from various types
of businesses, determine business interruption coverage and limits required; learn from actual claims,
and apply forensic accounting methods.
CL 3T 7 Mar, afternoon, Nanaimo
7 Jun, afternoon, Kelowna
22 Jun, afternoon, Prince George
2 Oct, afternoon, Burnaby
4 Oct, afternoon, Victoria
Contemporary Liability
New!
Insurance, Part II: Exclusions and
What to do About Them
Glen MacRae
The rewrite of the IBC commercial general
liability policy in 2005 retained many exclusions,
but added some notable new ones. Learn effective ways of dealing with the consequences.
CL 3T 8 Mar, afternoon, Burnaby
18 Apr, afternoon, Prince George
27 Sep, afternoon, Kelowna
17 Oct, afternoon, Burnaby
24 Oct, afternoon, Cranbrook
22 Nov, afternoon, Victoria
Developing Effective
New!
Risk Control Reports
Edith Strauss
Get faster responses from underwriters by
researching, developing and submitting effective
risk-control reports to benefit your clients and
underwriters.
CL 3T 11 Oct, morning, Burnaby
14 Nov, morning, Victoria
Commercial
Lines
Commercial Crime Coverages New!
Nick Batistic
Crime claims by businesses are common, yet
many of them are either uninsured or woefully
deficient in carried limits. Typical exposures, loss
examples and applicable wordings.
CL 3T 13 Feb, morning, Victoria
Understanding Financial New!
Statements for Determining
Business Interruption Coverage
Renate Mueller
A chartered accountant and former brokerage
owner shares secrets for analyzing the financial
statements of various types of businesses to
properly determine business interruption coverage.
CL 3T 7 Mar, morning, Nanaimo
7 Jun, morning, Kelowna
22 Jun, morning, Prince George
2 Oct, morning, Burnaby
4 Oct, morning, Victoria
Commercial
General Liability
Construction Liability
and Insurance Coverage
Neo Tuytel, et al
Liability theories and defenses in construction
deficiency litigation; first-party property and thirdparty liability policies. Leaky-building litigation,
builders’ risk, CGL and E&O coverage discussed.
CL 3T 14 June, afternoon, Burnaby
27 Nov, afternoon, Burnaby
www.ibabc.org
THE BC BROKER february 2007 — PAGE 15
PAGE 16 — THE BC BROKER february 2007
www.ibabc.org
22 Feb, morning, Burnaby
6 Mar, morning, Kelowna
24 Apr, morning, Cranbrook
30 Oct, morning, Prince George
22 Nov, morning, Burnaby
29 Nov, morning, Nanaimo
Commercial Lines
Property Coverage Gaps
Edith Strauss
Case study focuses on determining what additional coverages are necessary, and how to apply
them with riders and endorsements. For producers
and CSRs new to commercial insurance.
CL 6T 23 Jan, all day, Burnaby
15 Mar, all day, Kelowna
12 Jul, all day, Burnaby
Commercial Property New!
Wordings Boot Camp
Jo Anne Mitchell
Detailed case studies and group activities will
improve and/or refresh your working knowledge of
commercial property wordings and help you apply
the information to your clients’ situations.
CL 6T 27 Mar, all day, Victoria
28 Mar, all day, Abbotsford
29 Mar, all day, Burnaby
Front-line Commercial New!
Building Inspection
Nick Batistic Learn from a commercial broker, former claims
examiner and risk inspector what to look for in
physical risks, including construction type, HVAC,
plumbing, electrical and other hazards.
CL 3T 13 Feb, afternoon, Victoria
22 Feb, afternoon, Burnaby
6 Mar, afternoon, Kelowna
24 Apr, afternoon, Cranbrook
30 Oct, afternoon, Prince George
22 Nov, afternoon, Burnaby
29 Nov, afternoon, Nanaimo
How to Have Your Business
Declined by an Underwriter
Nick Batistic
Prepare comprehensive submissions that stand
out, instil confidence in underwriters and clients,
and improve your new business acquisition and
renewal retention rates.
CL 3T 10 Jul, afternoon, Burnaby
Initial Risk Assessment
– Commercial Lines
Nick Batistic
This worksheet approach to assessing commercial risks has proven successful for more than
20 years for commercial risks ranging from small
companies to very large corporations.
CL 3T 10 Jul, morning, Burnaby
Making the Transition from
Personal Lines to Commercial Lines
Karen MacWilliam
An action plan for making the transition from
personal lines to commercial lines. Application
forms, dealing with underwriters, client communication, how coverages fit together.
CL 3T 6 Mar, afternoon, Burnaby
Intertwining Broking and
New!
Legal Perspectives for D&O
Nick Batistic & Neo Tuytel
Analyze exposures that exist in law for directors
and officers, discover the scope of coverage and
exclusions under D&O policies; obtain exclusive tips
on alternative risk-management techniques.
CL 3T 15 Nov, afternoon, Burnaby
Risk Recognition - Property New!
David Keen and Don Woode
Dramatically improve your property risk analysis
and risk presentation skills. Learn how to pre-underwrite and present complex commercial property
risks for submission to insurers.
CL 3T 20 Feb, morning, Burnaby
19 Apr, morning, Victoria
8 May, morning, Kelowna
18 Oct, morning, Nanaimo
6 Nov, morning, Burnaby
Law
Risk Recognition – Casualty New!
David Keen and Don Woode
Complex liability exposures inherent in large
commercial accounts and their solutions. Includes
manufacturers’ liability, contractors’ liability, products liability, host liquor liability and much more.
CL 3T 20 Feb, afternoon, Burnaby
19 Apr, afternoon, Victoria
8 May, afternoon, Kelowna
18 Oct, afternoon, Nanaimo
6 Nov, afternoon, Burnaby
Directors
& Officers
D&O Claims and Coverage
New!
Neo Tuytel & Larry Munn
Structure of a typical policy and the scope of
coverage grants and exclusions. Defending claims
under D&O policies and the cancellation and rescission of coverage.
CL 3T 4 Apr, morning, Burnaby
Fraudulent Property
Insurance Claims
Neo Tuytel, et al
Learn about fraudulent proofs of loss and arson,
as well as misrepresentation and non-disclosure in
the policy application, and material change of risk
during the policy term. AL 3T 13 Mar, morning, Burnaby
25 Oct, morning, Burnaby
Occupiers’ Claims New!
and Coverages
Krista Prockiw
General principles of the Occupiers’ Liability Act
– who is an occupier, what constitutes a premises
and what duty of care is owed by whom. Also recent
court decisions and case law.
AL 3T 13 Mar, afternoon, Burnaby
2T 11 Apr, morning, Web Broadcast
3T 25 Oct, afternoon, Burnaby
Personal Injury Claims New!
and Coverages
Neo Tuytel, et al
Review of personal injury offences such as false
arrest, malicious prosecution, wrongful entry or
eviction, libel and slander, violation of privacy and
wrongful dismissal.
AL 3T 4 Apr, afternoon, Burnaby
2T 7 Nov, morning, Web Broadcast
The Who, What, When and New!
Why of Additional Insureds
Neo Tuytel, et al
Who the additional unnamed insureds are under
Brokers Errors
& Omissions
Insurance
Call Diane Watson at 604-629-2670
1500 - 1166 Alberni St.
Vancouver, B.C. V6E 3Z3
Phone: 604-683-5583
Fax: 604-683-8032
Metrix Professional Insurance Brokers Inc.
dwatson@mpib.com
www.metrixprofessional.com
Appointed broker for Insurance Brokers Association of B.C.
www.ibabc.org
THE BC BROKER february 2007 — PAGE 17
the expanded definition of “insureds” in commercial
and residential property and casualty policies, and
coverage implications.
CL 2T 21 Feb, morning, Web Broadcast
Workplace and Employment New!
Liability Exposures Neo Tuytel, et al
The scope of vicarious liability for abuse, harassment and other intentional torts, including the
difference between employees and independent
contractors. CL 2T 10 Oct, afternoon, Web Broadcast
Personal
Lines
Helping Clients through
Travel Medical Claims
Ann Buchanan
When the insured comes home, there are bills
from ambulances, doctors, labs, hospitals, hotels
and other stressful considerations. Understand
travel claims so you can be a trusted advisor.
PL 6T 3 Apr, all day, Nanaimo
12 Jun, all day, Burnaby
25 Sep, all day, Burnaby
4 Oct, all day, Kelowna
Personal Lines Boot Camp New!
– Part 1
Debra Fitzsimmons
Homeowners, seasonal dwellings, mobile homes,
course-of-construction, plus the CSIO habitational
application, mobile home app, wood heat questionnaire and oil tank questionnaire.
PL 3T 24 Apr, morning, Burnaby
Personal Lines Boot Camp New!
– Part 2
Debra Fitzsimmons
Tenants, condos, rental properties, boats and
vacation trailer policies, plus their corresponding
applications and questionnaires.
PL 3T 24 Apr, afternoon, Burnaby
Personal Lines Coverage Gaps
Edith Strauss
Identify coverage gaps and exclusions that create problems for your clients; alleviate them with
endorsements and additional policies. Sample
wordings analyzed.
PL 6T 15 Feb, all day, Burnaby
17 Apr, all day, Abbotsford
19 Jun, all day, Smithers
Professional
Skills
Effective Self-Management for
Greater Success
Ken Marriette
Kick your self-management skills up to the next
level by learning the core principles and proven
techniques of effective self-management. How to
plan your work and work your plan.
PD 6P 18 Oct, all day, Abbotsford
20 Nov, all day, Burnaby
Essential Communication Skills
for Insurance Professionals
Peter Wright
Listening pro-actively; the power of acknowledgement and openness. Techniques for reframing, stating intentions and being assertive.
Body-language awareness and identifying hidden
agendas.
PD 3P 1 Mar, morning, Victoria
15 Mar, morning, Burnaby
Handling Conflict – Skills in Action
Peter Wright
Effectively defuse conflict by asking effective
open questions, paraphrasing and reframing, communicating empathy, and being assertive without
being disrespectful.
PD 3P 1 Mar, afternoon, Victoria
15 Mar, afternoon, Burnaby
17 Apr, afternoon, Kelowna
23 Oct, afternoon, Burnaby
1 Nov, afternoon, Nanaimo
Leadership & Management New!
Skills for Young Brokers
Peter Wright
Proven skills for leadership and management
excellence including: communication skills and
approaches, objective-setting, result-oriented
meetings and personal conduct.
PD 3P 17 Apr, morning, Kelowna
23 Oct, morning, Burnaby
1 Nov, morning, Nanaimo
Team Building for Ultimate Success
Ken Marriette
Hands-on approach to the essential characteristics of effective team-building; gaining strength
through diversity; the seven steps to creating winning teams. Interactive and fun.
PD 6P 26 Apr, all day, Burnaby
16 Oct, all day, Kelowna
Residential
Front-line Residential
Risk Inspection
Diven Yeung
Why house values by professional inspectors
PAGE 18 — THE BC BROKER february 2007
www.ibabc.org
frequently differ from values calculated by brokers.
Market assessment costs versus reconstruction
costs.
PL 3T 19 Apr, morning, Burnaby
4 Oct, morning, Burnaby
Insuring Secondary and New!
Seasonal Homes
Jo Anne Mitchell
The particular exposures to property and liability losses in secondary and seasonal homes.
Coverage for business property and third-party
liability in the IBC residential package policy.
PL 3T 30 Oct, morning, Victoria
31 Oct, morning, Burnaby
1 Nov, morning, Kelowna
Making Sense of the RCT Updated!
EvaluRater
Ann Buchanan
Use the Marshall & Swift/Boeckh residential
evaluation software to calculate homeowner
replacement cost estimates. Common and not-socommon house designs.
PL 6T 27 Feb, all day, Burnaby
21 Nov, all day, Abbotsford
Promoting Insurance to Value New!
Jo Anne Mitchell
The difference between actual cash value
and the replacement cost. Help your clients develop realistic values and expectations. Broker
E&O exposures. Claims examples discussed.
AL3T 30 Oct, afternoon, Victoria
31 Oct, afternoon, Burnaby
1 Nov, afternoon, Kelowna
Wood Heat and the New!
Wood Heat Questionnaire
Diven Yeung
The various types of wood heating appliances
and the rationale behind installation requirements
as they relate to the CSIO wood heat questionnaire.
PL 2T 19 Apr, Lunch & Learn, Burnaby
4 Oct, Lunch & Learn, Burnaby
10 Oct, morning, Web Broadcast
Sales &
Customer Service
Consultative Selling
Ken Marriette
‘Telling selling’ leads to buyer resistance. ‘Asking
selling’ is based on asking the right people the right
questions at the right time, which builds trust and
leads to the right solution for the client.
PD 6P 19 Jul, all day, Burnaby Licensing courses
and awards
One look at the dynamic Job Board at www.ibabc.org confirms it: There are lots of
opportunities in the insurance brokerage industry.
Fundamentals of Insurance
Immersion courses start on Mondays and run for five days, with the exam on
Friday. The start dates for ’07 are March 5, April 16, June 11, Aug. 13, Oct. 1, Dec.
10, all at the SFU Harbour Centre Campus in downtown Vancouver.
Canadian Accredited Insurance Broker (CAIB)
Letters after your name carry weight both within and outside the insurance
industry.
To those in the profession, a designation is a known quantity. It immediately indicates the level of knowledge you have. Since the CAIB courses prepare licensees
for advancement to a higher licence level, a CAIB designation means that you’re
serious about going places in your career. Your clients may not know what CAIB
means, but when they see that designation after your name they’re confident that
they are dealing with an expert.
Immersion courses for CAIB 2 start on April 25 and Nov. 28. For CAIB 3: July 4.
The next CAIB 4 Immersion course is Sept. 5. As with the Fundamentals courses,
these take place at the SFU Harbour Centre Campus, Vancouver.
All four CAIB modules are available online. Go to www.ibabc.org and follow the
links.
CAIB Awards
Several CAIB awards have been established by generous sponsors to acknowledge
the outstanding achievement of licensees who are taking each of the four CAIB courses
and working toward their designation. The awards are for the highest mark at each
CAIB level achieved during the previous calendar year. Only IBABC-member employees are eligible for these awards. Presentations are made at the awards luncheon
at IBABC’s annual conference.
Can-Sure Underwriting Recognition Award
$500 for the highest CAIB 1 mark
Pat Anderson Agencies Recognition Award
$500 for the highest CAIB 2 mark
AMAC Consultants Recognition Award
$500 for the highest CAIB 3 mark
Ken Speirs Recognition Award
$750 for the highest CAIB 4 mark
Ken Underhill Award
$500 for the highest average mark on CAIB 1 to 4; IBABC member employee
Animal Mortality
Commercial
Farm Liability
EQUINE INSURANCE
UNDERWRITERS LTD.
106 - 3701 East Hastings St., Burnaby V5C 2H6
Telephone 604-293-1531 Fax 604-293-1248
www.ibabc.org
Exclusive managing general agents for
AXA Pacific Insurance Co.,
Canadian Northern Shield Insurance Co.
and Sovereign General Insurance Co.
THE BC BROKER february 2007 — PAGE 19
Canadian Accredited
Insurance Broker
Graduates of 2006
The Insurance Brokers
Association of B.C. salutes
the insurance professionals
who earned their
CAIB designation in 2006
Top CAIB Grad
for 2006
Lynne Holmes
McLeod Agencies
Enderby
Honour Roll
These students scored an
average of 80% or higher
on all four CAIB exams
Lorraine Baker
Vic Wallace Insurance
Mission
Jennifer Banke
Marsh Canada Limited
Vancouver
Entessar Beshai
Surrey
Candace Buhrke
HUB Int’l Barton
Williams Lake
Sandra Fletcher
Coast Capital Ins
Surrey
Roelien Hanslo
VanCity Ins Services
Maple Ridge
Calin Holban
Oceanic Underwriters
Vancouver
Judy Jiang
Oceanic Underwriters
Vancouver
Shana Johnston
BCAA Ins Agency
New Westminster
Michael Kim
Sharons Ins Services
Coquitlam
Yuk Wan Kong
Burnaby
Tim Mannall
Cranbrook
Karen Mater
HUB Int’l Barton
Chilliwack
Wendy McLachlan
BCAA Ins Agency
Penticton
Vicki Melhus
Koch B&Y Insurance
Coquitlam
Kari Montes
Shaw Sabey & Assoc
Vancouver
Melanie Nolet
James G. McMynn
Agencies
Midway
Kate Owen
Coast Capital Ins
Victoria
Teresa Rooney
Aon Reed Stenhouse
Vancouver
Candida Saccomani
Falkins Ins Group
Sparwood
Rob Selnes
Marsh Canada Limited
Vancouver
Sandra Soucy
Coast Capital Ins
Duncan
Sonia St-Aubin
Marsh Canada Limited
Vancouver
Jennifer Stonnell
Boorman Investment Co.
Victoria
Michelle Ward
Marsh Canada Limited
Vancouver
Brent Williams
Carson Ins Brokers
Prince George
Andrew Williamson
North Vancouver
Wendy Wilson
Evergreen Ins Services
Golden
Leslie Young
ING Ins Co of Canada
Vancouver
Connie Zhao
Sharons Ins Services
Surrey
Gordana Zivkovic
BCAA Ins Agency
Vancouver
Raminder Bajwa
Canadian Direct Ins
Vancouver
Charlene Beer
Silver Star Ins Brokers
Vernon
Trevor Bjorklund
Coast Capital Ins
Richmond
Brandi Bohnet
Underwriters Ins
Penticton
Nicky Bourque
Coast Capital Ins
Victoria
PAGE 20 — THE BC BROKER february 2007
Natasha Burnett
HUB Int’l Barton
Victoria
Kevin Casey
CMW Ins Services
Burnaby
Yu Cheng
TXL Ins Agency
Vancouver
Lai Chu Chim
Westland Insurance
Vancouver
Man Chow
Travel Underwriters
Richmond
Jenn Clay
Sawchuk Ins Group
Fort St. John
Wes Cragg
Poco Ins Agencies
Port Coquitlam
Rosalie Crombie
Lakeside Ins Services
Salmon Arm
Richard Davies
Central Agencies
Richmond
Noel Dodd
N. G. Williams & Assoc
Vancouver
Sula Du Quesne
Koch B&Y Ins Services
Burnaby
Cherie Duncan
HUB Int’l Barton
Sooke
Loretto Emmons
Capri Ins Services
Penticton
Gloria Enge
Burnaby
Andira Fadel
Johnston Meier Ins
Burnaby
Eric Fehr
Westland Insurance
Surrey
Sandra Fernandes
Jardine Lloyd Thompson
Surrey
Katherine Fisher
HUB Int’l Barton
Sooke
Christina Fletcher
Weeks Ins & Financial
Surrey
John Fong
Vancouver
Connie Francis
Coast Capital Ins
Victoria
Christina Fraser
HUB Int’l Barton
Salmon Arm
Paul Galbraith
Coast Capital Ins
Surrey
Xiang Gao
Oakwest Ins Agencies
Vancouver
Shui Ying Gao
World Ins Services
Richmond
Jim Gardner
Kelowna
Jaswinder Gill
Coast Capital Ins
Coquitlam
Leslie Graziano
Kamloops
Manjinder Grewal
Sussex Ins Kingsgate
Vancouver
Shalini Gunesee
Axis Ins Managers
Vancouver
Lona Hall
Lowndes Lambert
Vancouver
Delaine Hauprich
HUB Int’l Barton
Cranbrook
Marcy Heppner
Underwriters Ins
Vancouver
Melissa Hewko
Coast Capital Ins
Victoria
Heather Hilton
Axa Pacific Insurance
Prince George
Stella Ho
Mapleleaf Ins Services
Vancouver
Benjamin Hsu
Aon Reed Stenhouse
Vancouver
Audrey Hui
Park Georgia Ins
Agencies
Vancouver
Vishal Jhaver
Surrey
Denise Johnston
Westland Insurance
Sechelt
Janice Kam
Westland Insurance
Delta
Deborah Karhu
Aon Reed Stenhouse
Vancouver
Jarrod Kehl
HUB Int’l Barton
Prince George
Shania Khan
Allied Ins Services
Delta
Petro Klimashewsky
HUB Int’l TOS
Burnaby
Vanessa Ko
Marsh Canada Limited
Vancouver
Verona Ko
Axis Ins Managers
Vancouver
Colleen Konczak
Cdn Northern Shield
Vancouver
Sue Kooner
Mardon Group Ins
Vancouver
Caroline Lainchbury
BCAA Ins Agency
Nanaimo
Karen Lam
Premier Marine Ins
Vancouver
Monica Lane
Fournier Agencies
Prince George
Bradley Lapaire
Gulf Islands Insurance
Galiano Island
Kay Lau
Apex Ins Services
Richmond
Grace Lau
Gold Key Ins Services
Vancouver
Man Leung
Excess Markets
Richmond
Chrissy Lindgren
Megson Fitzpatrick
Victoria
Amy Linton
Coast Capital Ins
Richmond
William Lo
Wawanesa Mutual
Vancouver
Chris Mah
Aon Reed Stenhouse
Vancouver
Lori Maki
Carson Ins Brokers
Prince George
Ashraf Mawji
Sussex Ins Agency
North Vancouver
Stephen McConnell
Aon Reed Stenhouse
Vancouver
Shannon McKinstry
Fred W. Holmes
Kimberley
Chris McLean
Aon Reed Stenhouse
Vancouver
Heather Ann McMuldroch
Vanc. Is InsuranCentres
Campbell River
Angel Meade
Johnston Meier Ins
Surrey
Shari Melanson
Marsh Canada
Vancouver
Erika Mervyn
HUB Int’l TOS
Burnaby
Clayton Owens
All Sport Ins Marketing
Vancouver
Joanna Parisian
Nauroth & Associates
Prince George
Sandy Parkinson
Alder Ins Services
Port McNeil
Tracy Patton
VanCity Ins Services
Langley
Guljit Puri
William Parton Agencies
Vancouver
Rashida Rana
Allied Ins Services
Surrey
Jesse Ronahan
Fournier Agencies
Prince George
Ruminder Sadhra
BCAA Ins Agency
Coquitlam
Raquel Schumacher
HUB Int’l Barton
Prince George
Rovina Sharma
All West Ins Services
Vancouver
Kari Sharpe
Pomeroy Ins Services
Fort St. John
Megan Shi
New Diamond Ins Serv
Richmond
Betty Simms
Bob Lane Ins Services
Victoria
Corrie Smith
Envision Ins Services
Mission
Susanna So
Lansdowne Ins Agencies
Richmond
Lana Stanko
Coast Capital Ins
Duncan
Angela Stephenson
Marsh Canada Limited
Vancouver
Sheyan Still
Coast Capital Ins
Surrey
Brody Stonehouse
Archibald Clarke &
Defieux
North Vancouver
Viana Tam
All Risk Ins Agencies
Vancouver
Sean Tan
Bay City Ins Services
Coquitlam
Rajpreet Thind
Rhino Financial Serv
Surrey
Sean Thompson
Dolphin Ins Services
Vancouver
Valerie Torgerson
HUB Int’l Barton
Prince George
Rozlyn Troll
CMW Ins Services
Burnaby
Tommy Tsui
Louwin Ins Services
Richmond
Edward Tung
Ins Serv London Drugs
Vancouver
Lorri Van
BCAA Ins Agency
Nanaimo
Sean Walker
Fawcett Ins Agency
North Vancouver
Delia Wang
Metrix Prof’l Ins Brokers
Vancouver
Stefanie White
Alder Ins Services
Port McNeil
Tracey Williamson
Capri Ins Services
Kelowna
Kim Wong
HUB International TOS
Burnaby
Priscilla Wong
Canadian Direct Ins
Vancouver
Bing Xia
Aon Reed Stenhouse
Vancouver
Ying Zhang
VanCity Ins Services
Vancouver
www.ibabc.org