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Official Journal of the Ontario Insurance Adjusters Association
Vol. 84 • No. 4 • December 2019
Without Prejudice
on
Seas gs’ s
Greeti n
OIAA Executive Council 2019-2020
The OIAA is a proud
supporter of Follow us on @OIAAOfficial / Find us on / @oiaa_social
Get to know the Thousand Islands Chapter
OIAA
2019 Holiday Party
The OIAA would like to thank the following sponsors for
their support at the OIAA 2019 Holiday Party.
BIG TOP SPONSORS
www.davismartindale.com
www.larrek.com
www.servicemasterrestore.ca
CARNIVAL SPONSOR
RINGMASTER SPONSORS
ESM McCague Borlack LLP
Relectronics-Remech Inc. Steamatic.ca
T. Smith Engineering Inc. Torkin Manes LLP
2
Official Journal of the
Ontario Insurance
Adjusters Association Vol. 84 No. 4
Without Prejudice December 2019
CONTENTS
18 8 Litigation Differences
8
between Canada
and the U.S.
18 Improve Your Chances
at Surveillance
40 Business Interruption
Losses Involving
40 46 Dairy Farms
46 When a False
Statement Vitiates
a Claim: Pinder v.
Farmers’ Mutual
Insurance Company
Regular Features What’s Happening Stay Connected
President’s Message ......................4 OIAA 2019 Holiday Party Sponsors............................2 Visit us at www.oiaa.com
OIAA Executive Council ..............6 CICMA/CIAA Joint Conference Announcement ......30 @ OIAAOfficial
New Members .............................36
Adjusters’ Training & Education Program.................31
Get to Know Your Chapter .........38 @ oiaa_social
2020 Claims Conference Announcement ..................34
Out and About .............................58 @ oiaa_social
Advertisers’ Index.......................60 2020 Claims Conference Sponsors ............................36
WP Radio Podcast
OIAA Chapter Executive ............61 Calendar of Chapter Events .........................................37
Apple iTunes: WP Radio
Final Report.................................62 OIAA Past Presidents Night Photos............................56 www.soundcloud.com/wpradio
WP TV YouTube channel
3
President’s Message
Leanne B. Hardman “In truth, a family is what you make it. It is made strong, not by number
President, OIAA
of heads counted at the dinner table, but by the rituals you help
family members create, by the memories you share, by the commitment
of time, caring, and love...” – Marge Kennedy
As the year comes to a close, I’d like to take this opportunity to wish everyone a
wonderful holiday season. However you define family, and wherever you find
yourself this holiday, I hope you are able to make special memories with each
other, celebrate the season with traditions or enjoy making new ones, and
enjoy some time away from work, recharge and refresh. If you find yourself in
solitude, I wish you blessings and love.
For me, I will be spending it with Jacob, my family and friends. The hectic
chaos itself a tradition in my family. Our tree Christmas morning is usually
buried underneath the presents that we can’t seem to stop buying until the
stores close Christmas Eve. We stay up late, well into the morning putting
toys together after the kids are fast asleep. Each year we say we should do
something different to make it easier on ourselves, but each year the tradition
continues.
This year my 2 year old niece Avery will be the star of our Christmas. She is
the most delicious human, spreading sparkle wherever she goes. It didn’t take
long for her to figure out how fabulous she is, and we can be sure to be put in
place by her should we step out of line. This will be our 3rd Christmas without
my father at the head of the table. His silly tie that lights up and plays music
NEXT MEETING notably absent during dinner conversation. He is there in our memories as vivid
as always.
Wednesday, January 22, 2020
Thank you to everyone who has supported the Ontario Insurance Adjusters
Claims Conference 2020
Location: Metro Toronto
Association in 2019. We look forward to our upcoming Claims Conference and
Convention Centre, Professional Development Day on January 22nd, 2020. Hope to see you there!
Constitution Hall.
See page 34 for details.
Leanne B. Hardman, BSc. Hons. CIP
For more information President, Ontario Insurance Adjusters Association
please visit our website
www.oiaa.com.
4
F O R T H E M A GA ZI N E
Without Prejudice
Official Journal of the
Ontario Insurance
JENNIFER BROWN SARAH GRAVES JOE CUMMING TENA ALLEN
Managing Editor Associate Editor/Articles Associate Editor Advertising Manager
Adjusters Association
jennifer.brown@economical.com Sarah.Graves@crawco.ca joe_cumming@cooperators.ca tena.allen@dgig.ca
C O N T RIBU TORS
Devon McLean
Litigation Differences between Canada and the U.S. (page 8)
Devon McLean's litigation practice has focused on insurance defence
and subrogation, professional liability, personal injury, occupier’s
liability, manufacturer’s liability, and employment law. After spending
several years in private practice, Devon currently practices as Legal
Counsel at Intact Insurance Company.
“WP” is published monthly except July and August. Every
Nino Calabrese reasonable effort is made to ensure accuracy of articles and
advertisements but the Association expressly limits its liability
Improve Your Chances at Surveillance (page 18) to printing of retraction or correction. The opinions expressed
Nino Calabrese is the Director of Investigations at Xpera Risk Mitigation in all articles unless otherwise specified represent the views
and Investigation in Toronto. Internationally recognized, he is the first of the authors and are not necessarily endorsed by the
Canadian to receive the prestigious risk community Dennis A. Noggle Association, the editorial staff or the Executive Council.
award, an industry initiative sponsored by Kimberly-Clark Corporation, Contents of ”WP” are copyrighted and may not be reproduced
and awarded based on: response time, method and quality of reporting, without written consent of the Association.
The magazine is distributed free of charge to all active and
flexibility and consistent excellence and loyalty.
associate members of the OIAA.
For non-members subscription price: Canada - $75.00 + HST.
Conor Paxton U.S.A. and other countries - $90.00
Business Interruption Losses Involving Dairy Farms (page 40) For change of address or any enquiries regarding distribution,
Conor Paxton is a Manager at MDD Forensic Accountants. Conor has send address label with updated information to:
been involved in several investigations involving the quantification of Jackie Johnston, Business Manager, OIAA,
economic damages in insurance and litigation matters. These assignments 29 De Jong Drive, Mississauga, Ontario L5M 1B9
have been related to business interruption, extra expenses/increased Tel.: (647) 457-0576
E-mail: Jackie@oiaa.com
costs, expropriation, fidelity, surety, downtime losses, lost profits, stock &
Website: www.oiaa.com
contents, accident benefits, business valuations and personal injury &
wrongful death matters. For information regarding the OIAA Privacy Policy,
please refer to our website at www.oiaa.com
For information on advertising specifications, costs,
Martin Forget
production of ads or ad placement, please contact
When a False Statement Vitiates a Claim: Pinder v. Farmers’ Mutual Jackie Johnston or Tena Allen.
Insurance Company (page 46) For submission of proposed articles please contact
Martin is a founding principal of the law firm Forget Smith. His practice Jennifer Brown or Sarah Graves.
deals with all aspects of advocacy on behalf of insurers, including commer- ISSN 0833-1278 Canada Post Canadian Publications Mail
cial and homeowners’ property and liability claims, subrogation, coverage Sales Product Agreement No. 40064573
disputes, motor vehicle litigation, product liability claims and fraud cases.
Julia Falevich
When a False Statement Vitiates a Claim: Pinder v. Farmers’ Mutual
Insurance Company (page 46)
Julia Falevich has extensive litigation experience with a wide range of
subject matters including construction, commercial, nuclear and environ-
mental matters. She currently maintains a practice with Forget Smith,
specializing in advocacy on behalf of insurers.
5
OIAA - Executive Council 2019 – 2020
LEANNE HARDMAN, BSc. Hons., CIP LAURA O'HEARN, M.Ed., CIP SARAH GRAVES
President Hamilton Delegate Thousand Islands Delegate
Unifund Assurance Maxwell Claims Services Inc. Crawford & Company (Canada) Inc.
(905) 764-4958 (289) 239-6757 (613) 389-5209 ext. 21
E-Mail: lhardman@unifund.ca E-mail: Laura@maxwellclaims.net FAX: (613) 389-5990
E-mail: Sarah.Graves@crawco.ca
SIMONE CYBULSKI RAY PROCTOR, BA, CIP FRANK CASTALDO
First Vice-President Kawartha/Durham Delegate Thunder Bay Delegate
Crawford & Company Canada Inc. Pinnacle Adjusters Group Intact Insurance
(613) 389-5209 (416) 362-0800 (613) 748-3000 ext. 40423
Fax: (613) 389-5990 FAX: (416) 362-1808 FAX: (613) 748-1642
E-mail: simone.cybulski@crawco.ca E-mail: ray@pinnacleadjusters.com E-Mail: Frank.Castaldo@intact.net
RHU SHERRARD, CIP JENNIFER BROWN, CIP CARRIE EVANS, CIP, CRM
Second Vice-President Kitchener-Waterloo Delegate Toronto Delegate
ClaimsPro Economical Insurance ClaimsPro
(289) 339-1976 (519) 570-8500 ext. 43375 (905) 740-1621
FAX: (905) 565-0009 FAX: (866) 239-0231 FAX: (905) 671-1889
E-mail: rhu.sherrard@scm.ca E-mail: jennifer.brown@economical.com E-mail: carrie.evans@scm.ca
KYLE CASE, FCIP, CRM KELLY PECK-McDONNELL SHAWNA GILLEN, CIP
Treasurer London Delegate Toronto Delegate
The Co-operators Crawford & Company (Canada) Inc. AIG Insurance Company of Canada
1-877-682-5246 ext. 272453 (519) 432-3747 ext.8407 (416) 596-3060
E-mail: Kyle_Case@cooperators.ca E-mail: Kelly.peck-mcdonnell@crawco.ca E-Mail: Shawna.Gillen@aig.com
TERRY DOHERTY, CFEI CHRIS JOLLIFFE, B.Sc., CIP, CFEI MATTHEW RIENZO
Secretary Niagara Delegate Toronto Delegate
Aviva Canada Inc. Leading Edge Claims Services Crawford & Company Canada Inc.
(613) 386-5513 (289) 897-8676 ext.4 (905) 206-5417
FAX: 1-866-805-8585 FAX: (289) 897-8677 FAX: (905) 568-7830
E-mail: terry.doherty@aviva.com E-mail: chris@leadingedgecs.ca E-Mail: matthew.rienzo@crawco.ca
MICHAEL McLEOD, FCIP, CRM MIKE BOTTAN, CIP, CFEI JOHN SLATTERY, Hon.BA., EGA
Past President Northern Delegate Toronto Delegate
Crawford & Company Canada Inc. Crawford and Company Canada Inc. Sedgwick Canada Inc.
(519) 593-2620 (705) 647-6781 1 (905) 671-7849
FAX: (519) 571-1896 FAX: (705) 647-6783 E-Mail: john.slattery@sedgwick.com
E-mail: michael.mcleod@crawco.ca E-mail: Mike.bottan@crawco.ca
JOE CUMMING CINDY BRIDGE, CIP, CRM TENA ALLEN
Georgian Bay Delegate Ottawa Delegate Windsor Delegate
The Co-operators Insurance Desjardins General Insurance Group Desjardins General Insurance Group
(705) 712-1503 1-866-688-3888 ext. 5511194 1-866-688-3888 ext. 6324680
E-mail: joe_cumming@cooperators.ca FAX: (613) 692-3381 FAX: 1-800-403-4457
E-mail: cindy.bridge@dgig.ca E-mail: tena.allen@dgig.ca
OIAA - Executive Council Committees 2019 – 2020
COMMITTEE CHAIRPERSON COMMITTEE MEMBERS COMMITTEE CHAIRPERSON COMMITTEE MEMBERS
COMMUNICATIONS BENEVOLENT & COMMUNITY
Without Prejudice Editorial........Jennifer Brown .......Sarah Graves, Joe Cumming Benevolent and Gifts .............Leanne Hardman
Without Prejudice Articles .........Sarah Graves...........Jennifer Brown, Laura O'Hearn John E.Lowes - Insurance Institute.....Kyle Case
WP Radio & Digital ...................Terry Doherty INDUSTRY
Advertising-Sales - WP, Website, Links Licensing................................Ray Proctor
Tena Allen ..............Joe Cumming, Sarah Graves Industry Liaison ....................Leanne Hardman
Media Relations..........................Joe Cumming..........Carrie Evans, Shawna Gillen ASSOCIATION OPERATIONS
Website.......................................Chris Jolliffe ...........Ray Proctor, Kelly Peck-McDonnell Chapter Liaison......................Leanne Hardman
Social Media...............................Shawna Gillen ........Carrie Evans, Joe Cumming Membership ...........................Terry Doherty............All Delegates
GTA Membership.......................Shawna Gillen ........Carrie Evans, Matt Rienzo, John Slattery Discipline ...............................Michael McLeod
EDUCATION Constitution/Incorporation.....Rhu Sherrard
Speakers & Meetings..................Leanne Hardman Handbook...............................Frank Castaldo, Ray Proctor
Seminars and Education .............Carrie Evans ...........Jennifer Brown, Frank Castaldo Mentoring...............................Kyle Case, Joe Cumming, Laura O'Hearn
Nominating ............................Michael McLeod
Adjuster Training- DevelopmentKyle Case................Jennifer Brown
Vendor Relations/Sponsorship...Rhu Sherrard
Strategic Planning.......................Rhu Sherrard...........Mike Bottan, Kelly Peck-McDonnell
Terry Doherty, Kyle Case ENTERTAINMENT
Bursary .......................................Mike Bottan ............Kelly Peck-McDonnell Past-Presidents’ Night............Cindy Bridge.............Laura O'Hearn, Chris Joliffe
Holiday Party .........................Jennifer Brown ...........Carrie Evans, Cindy Bridge
CONFERENCES Golf Tournament ...................Matt Rienzo...............John Slattery, Carrie Evans
2020 Claims Conference ............Shawna Gillen ........Tena Allen, Mike Bottan September Kick Off ...............Rhu Sherrard ..............Matt Rienzo, Shawna Gillen
2020 Career Fair @ Claims Conference....Simone Cybulski John Slattery, Carrie Evans
2019 Provincial Claims Conference (Ottawa/TI)........Terry Doherty .....Cindy Bridge
2021 Provincial Claims Conference (TBD)....Ray Proctor
6
Opportunities
Await You
Are you an insurance The OIAA is a professional organization currently
consisting of 1,000 claims professionals. We
adjuster actively provide networking, professional development,
adjusting claims? inside industry news and support to insurance
adjusters across Ontario.
We Want You! By joining our network of active and associate
members, you receive a direct introduction to
other members; our Without Prejudice magazine
is available online to be viewed on a tablet or
Smartphone; knowledge from mixing with
seasoned, experienced adjusters and with new,
up and coming professionals; and satisfaction
knowing that you are an active participant in
shaping claims adjustment and risk management
services in Ontario.
Most compelling of all is the price –
just $50 per year, plus HST.
The value far outweighs the fee.
Can you afford not to join us?
Please visit our website to become a member,
and to review our calendar of events, at
www.oiaa.com.
7
Litigation Differences between 8
WP December 2019
Canada and the U.S.
Despite a shared border and
many cultural similarities,
the Canadian and American
approaches to litigation
diverge radically. Unlike the
purely linguistic difference
between American “vacation
homes” and Canadian
“cottages”, litigation differ-
ences run deep.
By Devon McLean, Legal Counsel,
Intact Insurance Company
9
WP December 2019
The Canadian litigation attitude tends to be
more restrained than in the U.S.; it runs more toward
caution than pushing boundaries.
Preparing a Case session which is relevant to any mat-
Canadian and American litigators are ter at issue in an action.2 That Rule,
in pursuit of the same goal: proving however, has to be read in conjunc-
liability and damages, or the lack tion with the Rule of proportionality.
thereof. But the breadth of permit- Proportionality in discovery is con-
ted discovery differs widely between sidered so paramount it earned a
the two countries. Rule unto itself which states:
Canada has built limits into its In making a determination as to
discovery process, referencing con- whether a party or other person
siderations of relevance and pro- must answer a question or pro-
portionality. duce a document, the court shall
In accordance with the Ontario consider whether,
Rules of Civil Procedure1 parties to (a) the time required for the party
Ontario actions are required to pro- or other person to answer the
duce every document in their pos- question or produce the docu-
10WP December 2019
ment would be unreasonable;
(b) the expense associated with
answering the question or pro-
ducing the document would be
unjustified;
…
(e) the information or the docu-
ment is readily available to the
party requesting it from another
source.3
The Ontario Rules of Civil
Procedure go on to provide:
In addition to the considerations
listed in subrule (1), in determin-
ing whether to order a party or
other person to produce one or
more documents, the court shall
consider whether such an order
would result in an excessive vol-
ume of documents required to be
produced by the party or other
person.4
From a Canadian perspective, the
Season’s Greetings
U.S.’s broad discovery rights do not
appear to be at all concerned with
proportionality in litigation. While
American discovery also revolves
around relevance, what is deemed to
be relevant is much more far-reach-
ing, and extensive discovery of non-
parties is permitted, something only
permitted by court order in Canada.
The Ontario Superior Court of
Justice outlined the difference
between American and Canadian
discovery obligations in its 2013
decision Aker Biomarine AS v. KGK
8 King Street East, Suite 1500, Toronto, Ontario M5C 1B5
Synergize Inc. (“Aker”):
Phone: 416-408-4400 Fax: 416-408-4900
In the United States, if there is any
www.bhmg.ca
possibility the information sought
may be relevant to the case, it is
© Mike Twohy / The New Yorker Collection/The Cartoon Bank
discoverable…In Canada, the
11WP December 2019
Comparison of Canadian written examinations for discovery
and American interrogatories is just one example.
scope of discovery is much nar- answering party has no way to
rower, due to our interpretation of dodge the question.
what is “relevant.”5 [emphasis in For this reason, most Canadian
original] discoveries proceed orally, with some
notable exceptions. The Federal
In the U.S. interrogatories are just Court’s simplified procedure Rules 6
one tool to be used in the discovery do not allow oral examinations.
process. In many jurisdictions, they Written examinations are the only
can be used in conjunction with oral option and the number of questions
discovery, allowing two kicks at the is limited to 50.7 In other Canadian
same can. courts parties may opt for written
Canadian litigants have to make a examinations when there are few
strategic choice between written or unanswered questions to explore, or
oral examinations for discoveries as where written examinations are more
only one method is permitted per effective or efficient for some other
party being examined. Written reason such as distance or cost.
examinations have to be well craft-
ed. There is only one chance to get it Trying a Case
right. Canadian counsel have to Ontario courts have strictly banned
ensure each facet of an issue is inflammatory language from trials.
explored in every possible way so the Lawyers are most restricted in their
12WP December 2019
American litigators may employ the “reptile
strategy” throughout trial to appeal to the
more primitive parts
opening statements, the way nearly argumentative statements; using the
every Canadian trial commences. If a word “betrayal” to describe actions of jurors’ brains.
judge finds inflammatory language by a party; casting aspersions on
has been used, the repercussions opposing counsel; attributing con-
include censure of the lawyer in clusions to an expert witness which
front of the jury in order to right the were not part of their report; the
balance; dismissing the jury to con- words horror, surprise and helpless;
tinue with a judge alone trial, pre- opinions of counsel; describing what
sumably with a judge who is now
wary of that lawyer’s tactics; or
declaring a mistrial, causing delay
and additional costs.
COME SKI WITH OIAA GEORGIAN BAY
Specifically, “comments to a jury
which impede the objective consid-
eration of the evidence by the
jurors, and which encourage assess-
ment based on emotion or irrelevant
considerations, are objectionable at
any time.”8
American litigators may employ
the “reptile strategy”9 throughout
trial to appeal to the more primitive
parts of jurors’ brains. Lawyers
using that strategy present facts in
a way that plays on jurors’ emo-
tions, particularly those of fear and
safety. It encourages jurors to view
a defendant’s negligent or inten-
tional behavior as dangerous to
the community, and therefore to Save the Date!
themselves. Accordingly, jurors are
encouraged use their power (their
vote) to send a message to defen-
January 30, 2020
dants that their behavior was dan- Not just for skiers!
gerous, and to safeguard the com- More information and sponsorship package to follow
munity from similar behavior in the
skiday@edwardscolwill.com
future. In Canada, given the broad
history of banning inflammatory
language, the reptile strategy is
much more likely to be disallowed,
and to lead to a reprimand, dis-
missal of the jury, or a mistrial.
Some examples of what Ontario
courts have found to constitute
inflammatory language, particularly
in opening statements, include:
13Your injured client
needs more than
a settlement.
Advocate for certainty.
Your client will thank you.
STRUCTURE IT EVERY TIME. 1.800.265.8381 | www.mckellar.com
14WP December 2019
a party “should have” done; stating Unlike American insurers, Canadian insurers have
that a witness’ background makes
them more or less credible; com-
no need to fear “nuclear verdicts”, by which a single
menting that a party refused to verdict may throw off their projected losses for the
accept responsibility; casting the year or permanently damage their business.
defendant as the villain; presenting
the defendant insurer as an awful The Verdict that permanently impede a plaintiff’s
company that should be punished Unlike American insurers, Canadian quality of life. Examples include trau-
for not giving the plaintiff money; insurers have no need to fear matic brain injuries or quadriplegia.
equating fairness and justice to a “nuclear verdicts”, by which a single The largest verdict ever awarded
result favourable to the plaintiff; verdict may throw off their projected in a Canadian personal injury case
implying liability is a concluded event losses for the year or permanently was in 2008 when, through a com-
and it remains only for the jury to damage their business. As a result of bination of partial settlement and a
endure the formality of hearing evi- a 1978 the Supreme Court of jury trial, the plaintiff was awarded
dence before confirming that pre- Canada decision, which still stands, $16.8 million in damages for a
determined result; asking jurors to general damages are limited in motor vehicle accident.11 As a result
begin analyzing evidence that is not Canada to what was $100,000 in of the accident, the plaintiff suffered
before the court; and implying or 1978, or about $350,000 today with permanent, catastrophic injuries
stating it is wrong for the defendant inflation.10 including a brain injury. Of that
insurance company not to concede That $350,000 general damages $16.8 million judgment, only
facts, rather than acknowledging the cap is reserved for the worst injuries; $312,200 was awarded for general
plaintiff has to prove their case. those with no hope of recovery and damages. The remainder was for
15WP December 2019
They have recognized that receiving an apology
is often of paramount importance to a party that has been wronged and
can help to ease or even prevent litigation.
income loss, care, legal fees, and tion of liability.13 yet to make any concessions for
guardian costs.12 Ontario’s Apology Act, for exam- apologies, forcing litigants to be
ple, provides in section 2(1) that: more mindful of their words.14 As
Apologies An apology made by or on behalf well, Prince Edward Island has limit-
If all else fails, litigants in some of a person in connection with ed liability-free apologies to medical
Canadian jurisdictions can try apolo- any matter, care.15
gizing. While an apology can hurt a (a) does not, in law, constitute an
client’s pride, it can assist parties in express or implied admission of Conclusion
reaching a palatable settlement, and fault or liability by the person in Canada’s middle-of-the-road sensi-
can assist Canadian lawyers in fulfill- connection with that matter; bilities may make its courtrooms less
ing their roles as officers of the (b) does not, despite any wording dramatic than its American counter-
court, rather than engaging in com- to the contrary in any contract of parts. But that conservative attitude
bative “as seen on TV” clashes with insurance or indemnity and forces Canadian lawyers to re-think
the other parties. despite any other Act or law, void, and tighten up their strategies from
Canadian legislators have impair or otherwise affect any the get-go, to craft discovery and
embraced the uniquely Canadian insurance or indemnity coverage trial strategy in a way that appeals to
stereotype that we love to say for any person in connection with jurors without stepping out of
“sorry”. They have recognized that that matter; and bounds. Canadian lawyers are forced
receiving an apology is often of (c) shall not be taken into account to be mindful, which goes a long
paramount importance to a party in any determination of fault or way to rein in costs and prevent
that has been wronged and can help liability in connection with that inflammatory language. Ultimately,
to ease or even prevent litigation. matter. this may encourage settlement, and
Most provinces and territories reserve the costs and time dedicated
have legislated their own version of Americans and Canadians alike to trials for when they are truly nec-
an “apology act”, permitting apolo- should be aware that there are a few essary.
gies to be made without an assump- provinces and one territory that have
1 RRO 1990, Reg. 194.
2 Ibid s 30.02.
3 Ibid s 29.2.03(1).
4 Ibid s 29.2.03(2).
5 Aker Biomarine AS v. KGK
Synergize Inc., 2013 ONSC 4897
(Ont. SCJ) at para 27, 2013
CarswellOnt 15273.
6 Federal Courts Rules, SOR/98-106.
7 Ibid s 296.
8 Brochu v, Pond, [2002] OJ No 4882
at para 16, 166 OAC 353.
9 David A. Ball & Don C. Keenan,
Reptile: The 2009 Manual of the
Plaintiff’s Revolution (New York:
Balloon Press, 2009).
10 Andrews v. Grand & Toy Alberta
16WP December 2019
Ltd., [1978] 2 SCR 229, 1978
CarswellAlta 214.
11 Marcoccia (Litigation Guardian of)
v. Gill, 2009 CarswellOnt 2067,
2009 ONCA 317.
12 Ibid. The Plaintiff’s damages were
reduced by 39% as a result of
contributory negligence.
13 Apology Act, SN 2009, c. A-10.1;
Legal Treatment of Apologies Act,
SNu 2010, c. 12; Apology Act,
SNS 2008, c. 34; Apology Act,
SNWT 2013, c. 14; Apology Act,
SBC 2006, c. 19; The Apology Act
SM 2007, c. 25; Apology Act,
2009, SO 2009, c. 3; Alberta
Evidence Act, RSA 2000, c. A-18 s
26.1; The Evidence Act, SS 2006,
c. E-11.2 s 23.1.
14 New Brunswick, Quebec, and
Yukon.
15 Health Services Act, SPEI 2009, c.
7 s 32.
Devon McLean's liti-
gation practice has We are Global Resolutions
focused on insurance
defence and subroga- Dispute Resolution Experts
tion, professional
liability, personal injury, occupier’s
liability, manufacturer’s liability, and
employment law. Devon has experi-
ence representing diverse clients,
both plaintiffs and defendants,
dealing with complex medical,
financial, and technical issues, and Russ Kathleen Richard Richard Christine
Howe Urdahl Rose Horak Fotopoulos
has a commitment to preventing
and resolving legal issues through
risk management, dispute resolu-
tion, and litigation.
After spending several years in
private practice, Devon currently
practices as Legal Counsel at Intact
Insurance Company. 45 St. Nicholas St. , Toronto, ON T: 416 964 7497 www.globalresolutions.com
WP
17Improve Your Chances at 18
Surveillance
Having been in the business
of Investigations for over 35
years, I have occasionally
heard complaints from claims
adjusters regarding their
current surveillance providers.
These complaints usually
involve a lack of results
and/or improper use of the
budget provided.
By Nino Calabrese,
Director of Investigations,
Xpera.
19WP December 2019
In many cases, files come in significantly over budget leaving the
adjuster to have to explain the overage to their principals, which is often
a difficult sell, particularly if the claimant isn’t even observed.
This puts the adjuster in a compromising position with
their client or manager and often results in having to shop
for a new vendor.
Adjusters and Defense Lawyers often rely on surveillance
to help evaluate the merits of a personal injury claim and
to establish the worth of the claimant’s injuries. Results are
not always guaranteed and there is always the possibility
that the adjuster will be asked to invest in a surveillance
report that will not help them further adjust the claim if
the subject of the investigation is not seen.
20WP December 2019
Success is in the Details
Adjusters and surveillance firms can
help increase their chances of suc-
cess. First, it is important for the
adjuster to provide the vendor with
as much pertinent information about
the claim as possible. This should
include the claimants full name,
address, previous address (if known),
date of birth, driver’s licence number,
the plate and description of the vehi-
cle involved in the accident, home
and cell number (if known), occupa-
tion of the claimant, claimant’s last
known employer (if known), time
and location of the accident, any
available spousal information and
family make up if possible, descrip-
tion of the claimant (if known) and date of birth (if the person was driv-
list of alleged injuries. Also helpful ing), or their age (if they were a pas-
are any known email addresses and senger), but also often includes the
social media handles. claimant driver’s licence number if he
Let’s start with the claimant’s full or she was driving at the time of the
name, including middle name or ini- accident. The vendor can run the dri-
tial. I have had at least one client ask ver’s licence number to retrieve or
me if this information is necessary. confirm the claimants home address
The answer, of course, is yes. Not and their registered vehicles. There
only is the full name helpful with our are still some who do not know that
pre-surveillance work up, so are any the drivers’ licence number also pro-
known nicknames for the claimant. vides the claimant’s date of birth. For
The claimant’s known address is example, the last six digits in drivers
obviously important as is any prior licence number C0xxx-32207-90830
addresses. There are certain searches indicates that the licence holder was
investigators can do using an old born in 1979, on August 30th, and
address to find or confirm a current that he is male. The digit 0 before
residential location. Often adjusters the 8 is what identifies the driver as
have this information but do not male. If the driver was a female born
necessarily understand the impor- on August 30, 1979, their drivers
tance of passing it on to their ven- licence number would look like this,
dor. C0xxx-32207-95830. The number
We are often told by adjusters five before the eight indicates that
that they do not have a date of birth the driver is female. If the female
for the claimant. This is especially was born in a double-digit month
true in Bodily Injury auto claims and like October, November or
slip and fall accidents. Often in the December, the 5 would be replaced
case of a Bodily Injury auto claim, by a 6. For example, a female born
there is an Accident Report in their on October 30, 1979 would have
file. It is helpful for them to pass their licence number end 7-96030 or
these reports on to their investigator. 7-96130, if they were born on
These reports not only provide a November 30, 1979.
21WP December 2019
The plate and description of the vehicle can also help. op or confirm a claimant’s home
address. Not only does it help
I have had many clients tell me that the claimant no establish where a claimant may be
longer has the vehicle that was involved in the accident. residing, this information helps us
with our open-source work that
The licence plate number that was sometimes leads to the identifica-
attached to that vehicle is still tion of self-employed business infor-
important for us to know as we can mation; or events that they may be
find out if it is now attached to participating in; or services that
another vehicle. Also, even if the they may be advertising for in
vehicle is no longer plated, we places like Kijiji and using their
often find it sitting in the driveway home or cell number in the ad.
– helping us establish that the Knowing the claimant’s occupa-
claimant continues to be associated tion and last known place of
with the address. employment is also helpful.
Any known telephone number Understanding the type of work
for the claimant is also important. that they are or were involved in
Adjusters often do not like sharing can help us determine a suitable
this information if the claimant is start time for the surveillance to
represented for fear that the investi- rule out that they have not returned
gator may use it to make direct to work. For example, a claimant
contact with the claimant. However, who works in the construction busi-
investigators have the tools to ness may require a 5 am start time
determine to whom and where a to see if they get picked up and
number is listed that helps us devel- taken to a job site. Yet someone
who has always worked in an office
may require a later start time. Also,
the last known employers address is
another location that the investiga-
tor can drive by if the investigators
loses sight of the subject in the
area. I cannot tell you how many
times we have found that claimants
who are ‘unable’ to work, are then
seen working at the very same
place of employment. Of value as
well, is the location of any treating
facilities or medical doctors they
may be seeing, are other locations
that the investigator can check if
visual contact with the claimant is
lost during surveillance.
The time and location of an acci-
dent can help us determine a good
start time. For example, someone
who has an accident on Hwy 400 in
and around Orillia late on a Friday
night, may have been on his way to
the casino in the area. Perhaps it
may be worth trying a late-night
22WP December 2019
surveillance on a Friday. I also found time you send in the assignment. If
it useful to determine the date of you are aware of who else lives
slip and fall accidents at grocery with the claimant, please share this
stores. Many people are creatures information as well to help avoid
of habit and often shop on the misidentification.
same day of the week. If the slip Finally, the adjuster should pro-
and fall happened on a Wednesday vide the investigator with the
for example, it may help to initiate claimant’s alleged injuries so that
surveillance on this day to see if they can focus on them and have
they go grocery shopping. the report reflect those injuries. For
Surveillance is not an exact sci- example, if the claimant alleges to
ence and, at times, someone else have restricted use of their left hand
in the household can be mistaken – there may not be any need to go
for the claimant by the investiga- into in depth detail in the report
tor. If a description of the claimant about how they can turn their head
is available, please share this infor- from left to right. Understanding
mation with your vendor. We have that the claimant may have a head
often heard after the fact that the injury, as an example, can help the
client happened to have an ID shot investigator to be aware of how the
of the claimant. Sometimes it is in claimant interacts with others or is
the form of a driver’s licence card able to complete simple transac-
that the adjuster has in their file. tions such as a make a purchase at
Again, please send your investiga- a store or deposit/withdraw money
tor a copy of the picture at the at a bank.
23WP December 2019
The Importance of Pre-Surveillance Prep claimant may attend. Not to mention
that a review of social media can
often tell us a story of the claimant’s
Once the investigator is equipped pre- and post-accident activities.
with details of the claimant and their Once the “prep” is completed, we
alleged injuries, they should never know a little more about who the
start the surveillance without inde- claimant is, which can help us deter-
pendent confirmation of the infor- mine the best time to start a file. We
mation provided by the client. We can coordinate surveillance around a
are often given “stale” information date that we may have determined
that is no longer current. People that the claimant will be participating
move and don’t always let their in an event. We can postpone sur-
adjuster know. This can result in veillance and let the adjuster know if
days of surveillance spent on a prop- we determine that the claimant is on
erty that the claimant no longer has vacation and away from home. The
any association with. A good investi- “prep” also helps prevent us from
gator will always ensure that they doing surveillance on a residential
have confirmed the claimant’s proper location that the claimant is no
name, have the claimants current longer associated with. The “prep”
address, and know what vehicles forms the foundation of the investi-
they may have access to before they gation and should never be skipped.
even begin surveillance. This means
running family members for vehicles. Surveillance: Getting Down
Some investigators make the mis- to Business
take of only searching for the Investigators often make the mistake
claimant’s vehicle. In cases where of treating each assignment the
they may be not be able to get close same. It is important to analyze the
enough to see who leaves the house results of the pre-surveillance work
or the underground garage of a up along with taking into the
building, it is possible for that account the subject’s age, employ-
claimant to drive by the investigator ment history, claim details and then
in a spouse’s vehicle without the create a strategy. The client’s money
investigator realizing it. is better spent if you consider all the
The thirty minutes or so that the information known about the sub-
investigator spends on doing the pre- ject and base a strategy around the
surveillance work-up, which many of surveillance accordingly.
us refer to as a “prep,” increases the Once the investigator has retrieved
chance of success and could save and/or confirmed the claimant’s home
money by not conducting surveil- address; conducted a review of their
lance at an address the claimant no online presence; checked all social
longer resides at. Using a variety of media; and determined what vehicles
databases that we have access to, the claimant may have access to, then
we can look up phone numbers, they are ready to start surveillance. It
develop property ownership informa- is helpful to start the first day early
tion, confirm access to current vehi- enough to ensure that the claimant
cles and much more. This also means has not already left. A quick drive by
determining a claimant’s social media the residence late at night helps
presence, which may provide us with locate the claimants known vehicles.
an ID picture, but can also give us If the vehicles have not moved by the
leads into upcoming events that the next morning, there is a greater likeli-
24WP December 2019
hood that the subject is still home. documents left in plain view.
Surveillance is much like fishing: Sometimes we see parking stickers
best results are obtained by starting on the windshield that may help us
early and staying for the day. There determine an employer or if the sub-
is a thought that a client’s money is ject is a student. We can also see if
better spent by conducting short there are any medical devices such
periods of surveillance and discontin- as a cervical collar or back support in
uing if the subject is inactive. In my the vehicle. I recall one case where a
experience, this is a way to quickly “walk by” revealed a musical text-
use up the budget and have nothing book. The book was on theory and
to show for it. There are usually fees the discovery led to additional inves-
associated with travel time and kilo- tigation, which revealed that the
meters, which the investigators incur claimant was providing guitar les-
each time they start and end the sur- sons and was earning income that
veillance, which quickly eats up the the adjuster was unaware of.
budget. Also, by attending later in Claimants who reside in apart-
the day, it can be difficult to know ment buildings often present addi-
whether the subject left before the tional challenges. They can exit the
investigator arrived. Again, the best building from several locations. An
results are always obtained by get- investigator may not be able to
ting to the claimant residence early monitor them all. Also, if the investi-
and staying for the day. An investi- gator is sitting outside of the garage,
gator who leaves the site after two waiting for the claimant’s vehicle to
or three hours has a greater chance leave, they can miss them getting
of missing the subject leaving. A suc- picked up by a taxi or a friend or by
cessful investigator is a patient one. them exiting from another location.
Investigators should never under- To increase the chance of success
estimate the value of walking by the with an apartment building surveil-
claimant’s vehicle if it is on public lance, it is important for the investi-
property. The inside of the vehicle gator to enter the building and dis-
can sometimes tell us if the claimant creetly monitor the claimant’s apart-
has plans for the day by notes and ment door. Often investigators who
2526
WP December 2019
attempt to wait outside for the sub-
ject to leave the building, not only
miss them getting picked up or
leaving from one of the other exits,
but they also miss activities such as Nino Calabrese is the
the claimant using the building’s Director of Investiga-
laundry room or carrying loads of tions at Xpera Risk
laundry to and from their apart- Mitigation and Investigation in
ment. Toronto. Internationally recog-
Buildings with their own laundry nized, he is the first Canadian to
rooms often have bulletin boards receive the prestigious risk commu-
where tenants can advertise servic- nity Dennis A. Noggle award, an
es. A quick check of these boards industry initiative sponsored by
has often provided useful informa- Kimberly-Clark Corporation, and
tion, including identifying claimants awarded based on: response time,
who provide babysitting or house- method and quality of reporting,
keeping services. I often tell my flexibility and consistent excellence
investigators that information does- and loyalty.
n’t always come to them. They need As a member of Xpera’s Senior
to work the file and look for leads Leadership Team, Nino has been a
themselves. licensed Investigator since 1984;
Our job as investigators is to pro- specializing in exceptional investiga-
vide information to the file handler tion services relating to employee
to help them make decisions on the dishonesty, infringement of intellec-
claim. Decisions cannot be made if tual property rights, insurance
the investigator does not see the claims, internal theft and corporate
claimant. Both the client and the fraud. He has a high success rate for
investigator can play a role in help- locating individuals, identifying
ing to increase the chances of suc- potential assets and financial infor-
cess on surveillance. Adjusters mation and was instrumental in dis-
should provide their investigator mantling one of York Regional Police
with as much pertinent information Service’s largest international organ-
they have about the claimant. ized crime auto theft ring. He con-
Investigators should always conduct tinually updates his knowledge to
a preliminary investigation to con- retain his expertise in the field of
firm that all information is current corporate risk and investigations by
and to develop additional leads. attending seminars and courses pre-
Choosing the right time and date to sented by a variety of local, national
initiate the surveillance, based on and international organizations
intelligence developed prior to start- including ASIS International, the
ing the observations, will likely Council of International Investigators
Find OIAA on
make the difference between a no and the Ontario Independent
result report and one that the Insurance Adjusters Association.
adjuster can use to confidently Nino can be reached at:
adjust the claim. nino.calabrese@xpera.ca.
WP
27WP December 2019
WP - Call for Articles
Submit an article to WP Magazine for publication consideration.
Share your industry knowledge and information with more than
2,500 active adjusters.
Accompany your article with advertising to effectively maximize your
business opportunities. Full-time WP advertisers will get the benefit
of a rolling banner on our OIAA website. All advertisers will get the
added bonus of one shout-out on each of our OIAA social media
networks being Facebook, Twitter and Instagram for each month
they put an advertisement in the WP.
Any inquiries and information regarding promoting your business
while supporting the OIAA, please contact:
Jennifer Brown, WP Managing Editor/Articles at
Jennifer.brown@economical.com
Tena Allen, WP Advertising Manager at tena.allen@dgig.ca
28WP December 2019
Have a wonderful Holiday Season
and all the best
in the New Year!
29CANADIAN INSURANCE CLAIMS MANAGERS' ASSOCIATION/
CANADIAN INDEPENDENT ADJUSTERS' ASSOCIATION
UNITED & COMMITTED LEADERSHIP THROUGH -
EDUCATION * PROFESSIONALISM * COMMUNICATION
! !
! ! ! ! ! !
CICMA/CIAA ONTARIO CHAPTERS’ 52nd ANNUAL JOINT CONFERENCE
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Tuesday,
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1, 2020
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12:30 p. .
12:3 0 p.m
A CLAIMS CHARCUTERIE!
Independent Adjuster/
Claims Manager Relationships
Jacqueline Caceres, Integrated Insurance Resources;
Lorri Frederick, ClaimsPro; Stephen Li, Northbridge;
Riaz Coolman, Moderator
#MeToo
John Sharoun and Rob Holmes, Crawford Canada
Teresa Drijber, OSBIE
Privacy & Cyber
Dan Michaluk, Hicks Morley
The Role of AI in Insurance
Jennifer Mullett, Intact
Luncheon Speaker: Matthew DiSero, Corporate Entertainer
Registration Fee: CIAA/CICMA Members $215.00 Non-Members $245.00
Name:_____________________________________Company:_________________________________
Address: ____________________________________________________________________________
E-Mail:______________________________________________________________________________
Phone:____________________________ Affiliation: CICMA _____CIAA_______Other ________
Register early - Space is limited - Tickets will not be sold at the door.
Register online
or
Return with Cheque payable to “CICMA/CIAA JOINT CONFERENCE” to:
Teresa Drijber, OSBIE, 91 Westmount Road, Guelph, ON N1H 5J2
30The ‘Understanding’ Series
for Adjusters
To meet the needs of today’s p&c industry and
advance your career…you must stay on top of
industry best practices.
The ‘Understanding’ Series for Adjusters provides deeper insights to improve the servicing
of claimants—resulting in better-adjusted claims.
Developed in collaboration with the OIAA, this series of four programs includes case studies
and applied industry knowledge from subject matter experts. The series has been designed
specifically for adjusters but also has high applicability to other industry roles.
Understanding Property Claims Investigation | One day
Utilize the best practice steps needed to lead a fulsome claims
investigation and coverage analysis—resulting in better handled
claims, minimized leakage costs, and more satisfied clients.
Understanding Serious Injury | Five-day dispersed format
Better manage the recovery of injured claimants, and gain a broad
perspective on accident benefits and bodily injury with a focus on the injured person.
Understanding Case Law | Two days
Acquire in-depth knowledge and skills to expertly source, interpret and apply case
law to prepare a comprehensive file for negotiation, settlement and litigation.
Understanding Bodily Injury | Two days
Learn how to more effectively manage bodily injury claims through an in-depth
look at the main principles and concepts, including presenting the claim,
investigating exposures and more.
To learn more and see the schedule of courses and locations, visit
www.insuranceinstitute.ca/AdjustersTraining
3132
OUR DIGITAL REACH
383
1,227
FACEBOOK FOLLOWERS
1,500+
TWITTER FOLLOWERS
2,295
UNIQUE WP RADIO LISTENERS
LINKEDIN CONNECTIONS
AND GROWING...
332020 PROFESSIONAL DEVELOPMENT
& CLAIMS CONFERENCE
Wednesday, January 22, 2020
Metro Toronto Convention Centre
Canada’s Largest Claims Event!
Presented by Ontario Insurance Adjusters Association. A full day of Education, Enrichment and Networking.
EDUCATION
NETWORKING LEADERSHIP
CAREER
TEAMWORK
TRAINING EXPERIENCE
LEARNING
MENTORSHIP
IDEA
TECHNOLOGY
STRATEGY
GOAL CHANGE
EXHIBIT SHOWCASE VISION
10:00 a.m – 4:00 p.m.
Over 141 exhibits from across
Canada showcasing the latest services SPONSORSHIPS
and products for the claims Industry. Opportunities are still available
COFFEE 10:00 a.m. in the exhibit halls at $1,000.00, $2,000.00 &
$2,500.00.
LIGHT LUNCH 12:00 p.m. Please contact Shawna Gillen
MIX AND MINGLE 2:00 – 4:00 p.m. at Shawna.Gillen@aig.com.
GROW WITH US
Save the Date ... Don’t miss this amazing one-day event!
Visit www.oiaa.com for more info.
34ADJUSTER EDUCATION IS OUR PRIORITY
The following Educational Seminars will be presented
at the 2020 Professional Development and Claims Conference
• AB Update: What’s Hot What’s Not!
– Presented by Philippa Samworth, B.A.,LL.B., Partner and Andrea Lim, M.A.,LL.B., Associate, Dutton Brock LLP
• Casualty Update: A Year In Review
– Presented by Ian Gold, LL.B. and Adam Bucci, B.A. (Hons), J.D., Thomas Gold Pettingill LLP
• A Claims Transformation Journey: A Roundtable Discussion with Insurance Leaders
Panel includes Karen Mican, HBA, CHRP, CIP, Senior Vice President Claims, RSA
Ewen Cameron, MBA, FCIP, Senior Vice President Claims, RSA
Bryant Vernon, MBA, B.SC, Chief Claims Officer, AVIVA
• Economic Loss: Looking at Reality
– Presented by Gary Phelps, CPA, CMA, CFF, CFE, Partner, Davis Martindale
• Emerging Exposures in Property Claims
– Presented by Lori Festarini, P.GEO, Vice President of Environmental Services, Stantec Consulting Ltd.
• Cannabis Legalization: Edibles, Extracts and Topicals
– Presented by Todd Jerry, Director, Government Relations, Ontario, Marc Lefebvre, BA, Underwriting
Coordinator, IBC, and Mario Fiorino, B.A, LL.B, M.ED, Senior Legal Counsel of IBC
• Cyber Crime: Insuring Against an Ever-Changing Threat
– Presented by Katherine Kolnhofer, Partner, Bell Temple LLP
• The Transformation of Client Experience
– Presented by Darryl D’Silva, Sr. Vice President, Integricon Property Restoration & Construction Group,
Ged Brady, HO Claims Specialist, RSA Canada, Greg Madill, SRD Executive General Adjuster, ClaimsPro
and Colin Young, Assistant Vice President, JS Held LLC
• The New Simplified Rules: Investigation, Litigation Strategies and
Cost Considerations
– Presented by Talaal Bond, Partner, Matthews Abogado LLP
Please visit our website effective December 2, 2019 to see the details of our presenters
whose expertise in the field of insurance claims, makes this a day you don’t want to miss.
Registration for this event is free to claims professionals.
(Please see our website www.oiaa.com for the definition of Claims Professionals)
REGISTRATION OPENS DECEMBER 2, 2019
GO TO www.oiaa.com
Don’t miss this one day event!
All seminars are complimentary! Register Early! Register On-line !
352020 PROFESSIONAL DEVELOPMENT
& CLAIMS CONFERENCE
GROW WITH US
We would like to thank our sponsors...
Coffee Sponsors
E CATION
Davis Martindale EDUCATION
LEADERSHIP Moodie Mair Walker NETWORKING
CAREER
Seminar Sponsors
EXPERIENCE
Camelino Galessiere LLP TEAMWORK
TRAINING
Larrek Investigations
LEARNING L
ServiceMaster Restore
MENTORSHIP
IDEA Lunch Sponsors I
TECHNOLOGY
Abrams Towing Group
Arcon Forensic Engineers STRATEGY
CHANGE GOAL
Bell Temple
MKA Canada Inc. VISION
Rimkus Consulting Group Canada, Inc.
Sponsorships are still available for purchase at $1,000.00 & $2,000.00.
Please contact Shawna Gillen at Shawna.Gillen@aig.com.
New Members
The following were approved as active new members in October 2019
NAME COMPANY CITY CHAPTER
CIOFFI, Joseph Unica Insurance Mississauga Toronto
LEWIS, Josh Economical Insurance Caledon Kitchener/Waterloo
VAN VALKENBURG, Emily Co-operators Insurance Barrie Northern
36Chapter NEWS
NE WS
Jennifer Brown, CIP
Economical Insurance
E-mail: jennifer.brown@economical.com
OIAA Calendar of Events around the Province
M O N D AY TUESDAY W E D N E S D AY T H U R S D AY F R I D AY
DECEMBER 3 4 5 6
Georgian Bay Chapter,
Holiday Party at the Weston
Trillium House, Blue Mountain
9 10 OIAA
11 12 13
Christmas Party Windsor Chapter,
Fairmont Royal York, Toronto Christmas Luncheon
16 17 Niagara Chapter, Holiday
Party at Grazie Café 18 19 20
Ottawa Chapter,
Inter-Association Christmas Social
at The Officers’ Mess, Ottawa
23 24 25 26 27
CHRISTMAS DAY BOXING DAY
30 31 2020 OIAA Claims Conference, January 22, 2020
Register online starting December 2nd at: www.oiaa.com
Upcoming Chapter Events
around the Province UPCOMING OIAA EVENTS
January 16, 2020
London Chapter, Chili Cook-off
Mark these dates down on your calendar -
and Trivia Night at German DON’T MISS THEM!
Canadian Club.
January 16, 2020 January 22, 2020 2020 CLAIMS CONFERENCE
Windsor Chapter, Windsor – Metro Toronto Convention Centre
Adjuster v. Industry Partners
Hockey Game at the WFCU.
January 30, 2020 All events are listed in our WP magazine. Each event will have registration on
Georgian Bay Chapter, Ski Day at our website prior to the event – please watch for the details on our website
Craigleith Ski Club, Collingwood. www.oiaa.com or in the WP magazine for more details.
January 30, 2020 WE HOPE YOU CAN JOIN US!
Kitchener-Waterloo Chapter,
Chili Cook-off.
Please visit www.oiaa.com for more upcoming chapter events
37Get to know your Chapter OIAA Thousand Islands Chapter It is my pleasure to be the new President of the Thousand Islands Chapter. Our Chapter is small but mighty and has a strong broker rela- tionship, and the commitment of our partners in the insurance industry and associate members is second to none. Our monthly meetings draw members and associate members from Ottawa to Belleville. This past the following Social Directors - Lynn ings we host four events including a year we developed and launched the Forestell, Brent Pincombe, Connor Christmas social with donations col- TIAA Website with members register- Paxton, Wendy Hayden, Nathan lected for the local foodbank. Last ing for our events on-line. This site Peters and Glenn Hendry. year we donated to the Belleville was developed and is maintained by Our chapter recently co-hosted the Gleaners Food Bank dropping off Kieran Doherty who has also video- 2019 Provincial Conference, KO in the food and cash donations, and this taped our guest speakers. Capital, in conjunction with the year our donations will be given to Elections for the 2019/2020 Board Ottawa Chapter. The Conference was Kingston Food Bank. In March we were held at Spearhead Brewery in held in Ottawa May 2019 and includ- take to the ice at Royal Kingston Kingston with a special tour of the ed interactive panel discussions during Curling Club for our curling tourna- brewery. We welcomed new mem- the day on current topics and enter- ment which sells out quickly each bers to our Executive and said tainment in the evenings from the year, followed by horseshoes in June farewell but not goodbye to our pre- Dueling Pianos and The Hornettes. and our yearly golf tournament at the vious President Terry Doherty who The Trade Show featured racecar Colonnade Golf Course in September. has moved on to his new role as driver, Parker Thompson who brought This year the weather was outstand- OIAA Secretary. We wish Terry all the his racecar into the middle of the Trade ing for golf and a fun day was had by best in his new position but know Show and spoke about “Drive to Stay all. In addition to all the fun, we are that he will continue to support and Alive” and Bruce Cook, Nitro Circus were pleased to donate $3,500.00 to contribute to our local chapter. Also Star whose inspiration and talk is one I the Canadian Veteran Service Dog leaving our Board this year was know I won’t forgot for a long time. Unit. I would like to thank all our Karen Smith (outgoing Treasurer) Our meetings take place in sponsors who support this event every who was with us for five years and Kingston and Belleville with great year and enable us to donate to some Kim Byers who was with us for two attendance at both locations. Guest great causes. years. We thank them for all their speakers included David Black You can visit us at www.wearetiaa support over the years. Our current (Workplace Challenges) and Chris .com for our exciting upcoming Executive includes myself, Shari Andrews (The Remediation of events. We look forward to seeing Hamilton (President), Kerri Amey Contaminated Drug Properties). Our you this year and welcome new and (Vice-President), Duncan Southall first meeting this year will be held at existing members to our events, as (Treasurer), Erin Sheard (Secretary), Riverhead Brewery in Kingston, a new well as new ideas. If there are any Brad Wilson (Past President), Sarah location we are trying as our longtime questions, please reach out to any Graves (Chapter Delegate), Ben meeting location, Mino’s Restaurant one of our executive members. Baldwin (Director), and Matt Cybulski was sold. The speaker is Brandon From the TIAA, Merry Christmas (Director). We are fortunate to have Northrup of Pario Engineering who and all the best in 2020. great support and enthusiasm from will be speaking about “The Unknown our Associate Members and are Facts of The Ontario Fire System”. Shari Hamilton pleased to have the contribution of In addition to our monthly meet- President, Thousand Islands Chapter 38
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