In a recent blog, I talked about a frightening statistic that showed how many people do not have life insurance. Well, a recent article in Business consumption concentrated on a specific part of the population :. Women

Life insurance ownership is even lower among American women, and despite thinking on the question of the old school, this is a major problem. It will be an even bigger problem as baby boomers continue to age.

The article only 40% of women have life insurance at all . Those who do have a policy have 30% less than men, on average.

No matter what your situation (or position of the friend or sister), life insurance is something you should seriously consider.

Single Moms

Section consumer , 70% of single parents have no life insurance, and 83% of parents only are mothers.

You were the breadwinner and caregiver for your children. You have everything you can to protect it. But if something happens to you? Can you afford to leave them unprotected for what will be the most difficult time imaginable?

stay at home moms

Ask a parent stay at home and she'll tell you - it is the person who works in the household. If she got a pay for everything she does, she'd earn about $ 9,750 a month, according to recent surveys.

But if you suddenly passed away? Can your husband afford to write checks every month grease to pay other people to do the work she has done?

most responsible couples have a life insurance cover for the husband and wife. I talk about this more in the short video below.

Working Moms

working moms provide $ worth per year of service in addition to their wages from their jobs , the survey I mentioned above. It's probably no surprise to you!

Although it would be impossible to replace you , life insurance can replace the economic value of the work you have done at home and at work. It can also give your family the money they need to cry without worrying about how the bills will be paid.

Women without children

If you do not have a spouse or children, do you need life insurance yet

the answer is simple: if your death would cause financial hardship to anyone - aging parents at the business you own - then yes , you still need insurance life.

If nothing else, you will not want to leave your final expenses and other outstanding debt as a burden for someone else to deal with, are you?

I hope I have encouraged you to at least think about buying a policy if you do not have it. If you have one, are you sure you have enough coverage? This calculator handy will help you estimate how much life insurance is enough for you.

Remember, if you have a great career or you are a "home", it would take thousands of dollars every month to replace the work you do.

Unless you have lived on your own private island without Wi-Fi, you have probably heard now that your cholesterol are a huge indicator to determine your overall heart health. Cholesterol is the waxy gunk (also called "fat") in the fat part of the blood. (Ew!) According to the Mayo Clinic, high levels of cholesterol can increase your risk of heart disease

At this point, you might ask yourself :. "What is this crap fat have to do with life insurance?" The answer is: "not bad, actually" have good cholesterol is one of the "checklist" of items that insurers use to determine life insurance eligibility. and prices. Not too long ago, if you had a combined level of HDL (good cholesterol) and LDL (bad) cholesterol over 250, it was more difficult (or at least most expensive) to obtain life insurance. (Bummer, right?)

But wait ... news flash! In recent years, insurance companies have been using the "Cholesterol / HDL Ratio" as favorite gauge for determining heart health of an individual. And who benefits from this change in method? yOU! (At least maybe.)

so even if your total cholesterol is a higher number than normal, and you thought you would never qualify for life insurance, you may be pleasantly surprised. Now that carriers use the cholesterol / HDL ratio as the "gold standard", more people as you may now be eligible to get the best discounted rates for quality life insurance. (now you can start your happy dance.)

for more on this subject, look this short informative video. Howard Weissman, medical Underwriting Expert AccuQuote, will tell more about how you can get affordable life insurance even if your cholesterol level is less than perfect.

Everybody ANYONE who financially as life insurance needs. It is an incredibly affordable way to ensure the financial future of your family is protected when you die. And the last time we checked, the chances of death are still 1 of ONE . (We're just sayin '.)

Questions? Feel free to reach out to us. You speak with a real person! (Imagine that!) We are here to help. And that comes straight from the heart.

Sr. Account Executive Cherry Sue has been a valued member of the AccuQuote family for 20 years. A divorced mother with two children, she began working part-time for a local insurance agent in Skokie in 190. The work has enabled it to assume financial responsibility for their children through a very difficult period. Once her divorce was final, she obtained her insurance license two years later.

Sue loves to help people and make a difference. Since her divorce has left him no financial security, Sue has made his life's mission to ensure that others get the financial security they need and deserve.

If you want to read a great Q & A with Sue, click here.

No one thinks that they need life insurance. Until they do. This is another all-too-common story that explains why life insurance is so important.

As we all know, life can change in an instant. One minute things are going very well, and the next minute, your life can be turned upside down. It happens more often than you think. Just listen Nicolas Virgen history.

A building contractor, Nicolas, his wife, Teresa, and two of their children were returning from a party at 23:00 Suddenly their pickup was criticized by a hit-and-run driver. The violently overturned truck. Although his son Gabriel and his daughter, Mayra only suffered minor injuries, Nicolas suffered multiple fractures and broken vertebrae. But worst of all, Teresa was dead before the ambulance arrived at the scene.

pick up the pieces was difficult. But they made have help. The family life insurance . Nicolas understood that he needed life insurance. But he did not see the point of buying a policy for his wife. After all, she just stays at home and takes care of children. Not working there, right?

Enter Henry Irene Insurance agent. When Teresa was alive, to Nicolas Irene recommended him to take a life insurance policy on Teresa. Irene was told that if you had to pay for all jobs that Teresa did for free, it would cost the family a pretty penny. Nicolas finally agreed. This was the most important decision he ever made.

Life insurance helped the family move slowly. Nicolas was out of work for nearly two years, recovering from his wounds in the hit-and-run. The money from the policy Teresa helped pay many bills. And he also helped pay some college expenses for Mayra and her older sister, Susana. "It's like Teresa is always watching over us and taking care of us," said Nicolas.

For more on the history of Nicolas, watch this video.

Did you know that actor Tom Hanks, singer Patti LaBelle and legend Billie Jean King Tennis all have type 2 diabetes? Diabetes is the 7th leading cause of death in the U.S., with 1.4 million new cases diagnosed each year. According to the American Diabetes Association, complications can include high blood pressure, heart attack, stroke, kidney disease, blindness, and many other diseases.

The two main types of diabetes are Type 1 and Type 2 . Type 1 diabetes is often called "juvenile diabetes" because it is usually diagnosed in children and young adults. With Type 1, the pancreas of the body does not produce enough insulin, a hormone the body uses to break down sugars and starches into glucose. Only about 5 percent of diabetics have Type 1.

Type 2 diabetes is the most common form of this disease. With Type 2 (also called "adult onset diabetes"), the body does not use insulin properly, and over time the pancreas can not make enough insulin to keep blood glucose levels normal. According to the American Heart Association, be "insulin resistant" affects over 60 million Americans. lifestyle changes (such as exercise, weight loss and healthy eating) and insulin can usually keep type 2 diabetes under control.

And here's some good news. If you have diabetes, you may still can be able to get a life insurance coverage at a reasonable rate. Life insurance companies usually use the results of A1C blood of a diabetic test to determine how the control of the insured's diabetes is, and determine eligibility for life insurance and prices. If your A1C is stable and constantly under 7.0, and you have no other health problems, you have a very good chance of getting coverage.

For more information, watch this short informative video. Howard Weissman, Expert Medical AccuQuote pricing, will tell you more about how you can get life insurance - even if you have diabetes.

Everybody ANYONE who financially by the life insurance needs. It is an excellent, affordable to help protect the financial future of your family when you die. And if you think you'll live forever, the last time we checked, the chances of death are still 1 of ONE .

Questions? Feel free to reach out to us at any time. We take the stress of shopping for life insurance. You have enough to think about.

Frequently Asked Questions

What changes are implemented?
As of March 3, 2014, under the Canada / United States Medical reciprocity Agreement, Alberta will adopt an identification code "W", which will be displayed on the driving license and driving record of these people are not medically qualified to drive a commercial motor vehicle outside Canada

Who will the changes affect
Alberta commercial drivers who operate a motor vehicle in classes 1, 2, 3 or 4 with one or more of the following :?

• insulin-dependent diabetes;
• medical history or clinical diagnosis of epilepsy and / or convulsions;
• not meet the minimum hearing requirements for the transport of dangerous goods; and
• monocular vision.

When the changes come into effect?
The W code will be implemented on March 3, 2014.

Why these changes made?
Ws code are introduced in Alberta as a result of discussions between Canada and the United States to achieve reciprocity between the two countries on the medical fitness for vehicle operators utilities.

How commercial drivers were informed of this change?
commercial drivers affected by the W code were sent correspondence indicating that the license of drivers and their driving records now display a W. code

where does the show on the license code W?
W code appears on the face of the driving license.

How Alberta drivers should have a W code added to their licenses?
Approximately 2,400 Alberta drivers display a W code on their licenses and registrations.

How to Alberta drivers with a W code can lead without restriction in Canada when they are not allowed to drive in the United States?
Canada uses the Canadian Council of Motor Transport Administrators (CCMTA) Medical guideline standards for drivers in the establishment of minimum basic medical and vision qualifications for safe driving. Medical standards of US Federal Safety Regulations Motor Carrier prohibit drivers with the following conditions of operation of commercial vehicles in the United States:

• Diabetes insulin-dependent;
• medical history or clinical diagnosis of epilepsy and / or seizure;
• Unable to meet minimum hearing requirements for the transport of dangerous goods; and
• monocular vision.

what other provinces use the code W?
The W code restriction is already used by some Canadian provinces and all provinces and territories will be implemented later.

What will happen if a commercial pilot with a W code attempts to cross the border in the US?
Anyone with the code W traveling to the United States which is operating a commercial vehicle will not be allowed to enter the United States access However, those with the Ws code traveling to the United States for personal reasons in a non-commercial vehicle will always be granted

Is commercial drivers in the United States with the same conditions medical as of isplay a W code on their driving licenses in preventing trade in Canada?
the United States is implementing a code V identify commercial drivers with [medical conditions that do not meet Canadian standards.

is responsible for the costs associated with the introduction of the code W?
W code will be displayed on licenses and commercial drivers folder in Alberta who have medical conditions described above drivers. The W code appears that business licenses are renewed as well, no additional costs will be incurred in this process Albertans.

What if a W code is added in error? How can this be fixed?
If the drivers believe a W code has been placed on their license in error, they should contact Alberta Transportation, Driver Fitness and Monitoring at 780- 427- 8230; Option This number can be reached toll-free in Alberta by first calling 310-0000 and following the instructions.

Office 15-16h30 hours are 8:00, Monday to Friday.

What are the notification rules Alberta Transportation on commercial drivers with medical conditions?
Article 16 of the operator's license and vehicle control regulation requires Albertans to disclose a disease or disability that may interfere with the safe operation of a motor vehicle when they request the license of an operator.

Is Alberta Transportation to pay for medical reports it needs?
medical examination and complete the forms required to obtain or renew the operator's license are not covered under the Alberta Health Care Insurance Plan (AHCIP) for Albertans under 74.5 years, although such services are covered for 74.5 years old. For those who are not covered, physicians can directly bill the patient for the examination and forms.

When a required medical report?
Medicals are required at age 75, 80, and every two years for Class 3 licensees, 5, 6 and 7 licenses. Medical reports are required for Class 1, 2 and 4 commercial licenses every five years until age 45, every two years until age 65 and every year thereafter.

Whenever a driver is involved in an activity that takes their attention from the task of driving is considered distracted driving. . These activities reduce awareness, decision making of the driver, or performance which can lead to a potential driving accident

The activities include:

• texting
• Talking on your cell phone
• reading books, newspapers, maps, directions, email
• personal grooming, shaving, combing hair, applying makeup
• Select a song on your iPod / iPad, or even play with the radio station
• Eat and drink, etc.

Although Alberta, most of the above activities may cause distraction fine; all activities that divert your attention from driving is a distraction. The most important task at hand when you are the driver of a motor vehicle, is to focus on driving safely.

Unless you're a superhero, you are usually only able to focus attention on one task at a time. When switching attention between two or more tasks, the result is that neither conduct nor other tasks are done well. Driving is a task that involves multiple points of information that is continually processed signaling / signal panels, speedometer shows the other vehicle interaction, and that requires us to make corrections to our driving mode . By focusing on other distractions in the vehicle may decrease cognitive processing, which results in reduced reaction times. Remember, even if you see something, your mind may not be able to process at one time or level of complexity if you are distracted by something else.

Here are some ways you can reduce distracted driving:

for parents and families: define basic rules may (similar to company standards below.) seem silly, but clearly communicating the expectations you have people using your vehicles, or driving your kids around, is important

for companies integrate different policies in your fleet safety manual (eg policies such as driving privileges, cell phone policies, etc.). Ensure that employees read, recognize and sign on politics, with copies kept in their employee file.

Whether at home or at work, it is your decision on the strict cell phone policy that you develop. For parents, keep in mind that, in addition to communicating the cell phone rules, there are actually applications you can put on your phone to children who do not allow them to access to cell phones as long that the vehicle is in motion. Apart from the rules that you define as a business / family, whatever you decide, it must follow provincial regulations. In the development of the cell phone policy, the company specific rules list must be defined for the safety rules, including rules:

• When receiving a call pull to a safe place and return or answer the call.
•
• Address map calls if the use of hands-free devices are permitted.
• Prohibit the use of cell phones in adverse weather or congested traffic conditions that tend to require the attention of the driver. during these stops or do before you leave on a trip.

with a cell phone policy, a safety manual corporate fleet should clearly communicate what is expected of your drivers, not just for distracted driving, but to include the expectations of the company is operating a company vehicle or using personal vehicle company time to employees. They should identify certain criteria such as:

• specific functions such as trip inspections before and after (eg :. frequency, criteria, etc.)
• requirements and procedures maintenance (eg: what should they do if something is not working properly?)
• Create a clear policy regarding tickets and fines at the use of company vehicles or their own vehicles on company time.
• Although this is a law across the country, you must clearly communicate that there is zero tolerance for driving under the influence of drugs or alcohol
• Other expectations specify :. drivers must be mentally and physically alert before each trip, all occupants must wear their seat Belts at all times, drivers must hold a valid license for their vehicle and carry it at all times, never exceed the limit of displayed speed and obey all traffic laws.

As we head into winter driving conditions, distracted driving is even more dangerous. Check your vehicle before leaving, know your route in advance and keep your focus on driving safely. By developing and communicating rules and policies, setting disciplinary measures, you can help protect everyone, road accidents.

We all understand the importance of our first responders, especially those who volunteer. This is the story of Janis Forbes (Personal Lines)

In 1997, Janis moved to Seba Beach outside Edmonton. She knew no one and did not know the community, but she lived next to the fire department. In recent years, she has seen ads in the call log for volunteer firefighters. Time passed until one day out of nowhere, she got up the nerve and decided to attend a meeting.

She joined the first department as a junior firefighter. There were 16-20 firefighters in the department; while volunteering anywhere from 2-3 hours per week. As a rookie, she did what needed to be done to direct traffic on the roads during extrication to any "rookie" work they could beat him. Meanwhile, a fire broke out in the brick building in Sun Gro Peet Moss. And as the bricks were flying in all directions, she worked to keep people safe and healthy.

In his second year with the department, she started heavy training. Training (called 1001) and is the standard for all professional firefighters - pretty intense stuff. For two years, she has trained, also completing his EMR. His training consisted of burning buildings simulated extrication manikins vehicles and when it came time to show everyone what it was made, his team came second in a firefighter contest.

She describes herself as "the old lady compared to young guns" in the group, but it has proven to be a forced to be reckoned with because, in his fourth year with the department, she held the ranks to captain (. the first woman to do so in his ministry) This was a big problem because Janis was unresponsive to commands; she was the one making them! She has more control traffic, it was life and death decisions.

During his time as captain there was a huge forest fire near Highway 16 near Gainford. She was new in his role; she was senior and the fire jumped the road. Remaining composure, she concentrated on the provision of appropriate orders immediately and called in other departments to help. Although the fire was aggressive, they do not lose buildings - not even a house! That summer, she recalled meet almost daily to calls. They responded to accidents, fires and accidents in coal mine

She recalled that during the time she was first involved the "jaws of life" was so large and heavy that men should use them. women were generally not strong enough to handle them. But that does not stop responding to sudden accidents and providing comfort and calm during the tragedy. In 09 she received an award for an incredible 10 years of volunteer work. During her time, she helped found more than 100 fires and responded to over 100 accidents per year. She even helped at the CN derailment at Wabamun Lake (Oil tanks in the water, they were the first responders ;. Nobody was hurt)

You may ask "why would -it get involved in volunteer work like this? "

Adrenaline.

as a former nurse, she was not fazed by high stress, tragic situations." You must be a little bossy, "she said; saying the two friends and colleagues describe her as authoritarian. But what has also helped to succeed in her volunteer role was his dedication, the ability to remain emotionally strong in difficult situations and a thirst to absorb every bit of training and resources offered. However, she believes that everyone who wants to volunteer as a firefighter must. And said: "If I can do it, anyone can" (Although some would probably say that!)

Highlights of his volunteer experience include the response to CN derailment rail, the great! fire jumped the highway and help STARS earth several times (. it was during his childhood) and when asked the highlight of his volunteer experience, she replied: "No link people as you can. never do with others that could be as strong as those who are the first responders. There are things you see and do together that nobody can understand. "

Appliances continue to become more intelligent, with the promise of greater convenience and comfort at the flick of a? light switch. Recent innovations have expanded the concept of a house "smart", offering a connected home where we can benefit from centralized and remote control of our devices. This new network technology based on the "Internet of Things" - the devices connected to each other via the Internet

This technology may be new, but one of its most great challenges is :. Security. At present, most of us have experience of first or second-hand with identity theft - but this new technology has put our privacy and financial security on the line

Here are some ways to embrace smart technology with a more intelligent strategy:

integrated household Systems

Talk to your broker about the break cover household equipment. owner policies will generally not cover the costs of investigation and repair of an integrated system if it fails, leaving you out of pocket to restore your security systems, entertainment or integrated comfort.

houses without technology "smart" can also benefit from this cover :. complex systems, including geothermal and radiant heating may be specifically provided, the transfer of financial risk of failure of the system to your insurer and protect the cash flow of your household in case of failure

Equipment Breakdown cover is a flexible option, allowing you to buy only as much coverage you need and keep the cost low coverage.

devices connected to the Internet

Don 't allow the Internet of Things to compromise your privacy. IP cameras, webcams, gaming consoles and other similar devices can observe our remote homes and interact with family and friends -. but they can be easily accessed by others if not properly attached

carefully follow the installation and safety instructions included with the routers without self-installed wireless, IP cameras and webcams. Always create your own unique password to access each device. Never use the default password set by the manufacturer: they are accessible to the public and do not protect you against unauthorized access

Set password "strong" :. Avoid commonly used words and all words related to you or your family. The names of pets and children are easy to guess - instead, use words that no partner with you, and use other numbers and symbols -. Or use a secure password generator, hosted by a reputable security provider

In general rule of thumb: any networked device with a camera is a potential risk to security and should be in place to prevent unauthorized access. If in doubt, consider hiring a professional technician to install your new devices and explain how to use and maintain strong security settings.

Personal & Financial Information

Never staff access information using a public WiFi connection: they can be easily intercepted and viewed by others may abuse the information they collect. This includes personal and business e-mail, online banking and social networks, all of which can provide an unauthorized user to access a treasure trove of personal information.

Protect your computers, tablets and smartphones running the -date security software update :. new products include cloud protection against scams "phishing" and dangerous websites

If you use online banking, make sure you carefully review the terms and conditions of your bank and all the guarantees offered in case the accounts are compromised. These guarantees are often subjected to very broad exclusions and can be canceled by using passwords that do not meet the requirements of the bank or even using the same password on multiple accounts.

educate inexperienced Internet users on responsible navigation techniques and common scams. If a link or pop are not exactly what you want, do not click it. As for those "you won!" Banners and ads ... if you enter a contest, you do not win. Beware of enticements that attract your browser to sites and downloads that may endanger your safety.

For more information on what your personal insurance covers, what it does not cover, and what additional coverage you can add, speak to one of our experts at Rogers Insurance.

How do you protect yourself against unwanted electronic intruders? How can we help? Tell us below

Blog Author: Stefan Tirschler | Account Executive | Rogers Signature Service

If you live in Alberta, you know that winters can get a little hairy: cold temperatures, lots of snow and ice. But after two weeks of unusual warm temperatures in Calgary, there is no shortage of treacherous driving conditions on city sidewalks. According to the Calgary Herald, between January 12 and January 25, the city received more than 3,500 complaints calls for snow and ice, as well as more than 1,000 complaints through their website and application. (Keep in mind that, according to the City of Calgary regulations, it is the responsibility of the owners of sidewalks and pathways clear within 24 hours after the snow stops falling.)

Here the process of the city takes case of complaint:

• They will make contact with the owner about the complaint and issue a warning.
• If the sidewalk is not cleared within 24 hours of the warning, the city will clear and invoice for the work.

problem in Calgary is not so much snow (right now), it is the ice that has built between thawing during hot temperatures and frost.

Here are some recommendations for homeowners:

• Do your best (and what is reasonable) to clear your sidewalk
• Use 'pickle' (mixture salt / sand) on your curb. to assist in traction. It is available in most fire stations in the city (free)
• If you know that your neighbors are struggling to obtain due to the mobility, age, etc., become a "Snow Angel "and help them out.
• If you can not keep your sidewalk clear because of the time, hire someone who can.
[1945006personnes] We also saw the use of rubber mats in particularly dangerous areas.

It is important to remember that as the owner, you are obliged to take all reasonable steps to ensure your sidewalks safe for pedestrians. If someone falls, is seriously injured and wants to pursue a legal route, one of the first questions will be if you (as the owner) has taken all reasonable precautions to ensure the sidewalk was cleared appropriately.

Employment Practices Liability can provide coverage for directors and officers and the company for complaints alleging employment discrimination, harassment, unfair dismissal and many other employment related offenses.

commercial general liability does not cover legal situations regarding employment-related claims. The EPL policy can be purchased as a separate policy or as part of a policy for directors and officers liability.

employment-related lawsuits have been steadily increasing in recent years. Small and medium enterprises are often at risk because of the shortage of human resources control, lack of internal employee policies or insufficient training. Large companies are not exempt because they may also have gaps in their employment policies and they also have a larger labor pool that could make claims.

Remember, that a lawsuit does not need to have the merit of having a financial impact on your business. Many lawsuits are baseless, but the defense can be costly and time consuming.

Do you use a commercial vehicle in the city of Calgary?

If yes, you should be very familiar with 60M0 regulation.

What 60M0 settlement you may ask?

There is a Calgary law a respective road routes.

is within the city limits of Calgary, there are a myriad of routes specifically designated to help commercial vehicles in their efforts to move throughout the city, in efforts to provide goods and services to various companies. These innumerable routes are mapped for each quadrant of the city, and are known more easily than "truck routes". These designated road routes apply to any commercial truck vehicle exceeds 5450 kg in weight.

as with any regulations / legislation there are some exceptions. these include vehicles owned / leased by the city, by public city services, other utility companies, Canada Post, the movement of one of holiday or mobile homes, or vehicles owned by cable TV companies as well as being used for inspection, maintenance or repair.

routes trucks are usually marked as such and will show beginning and end of the road, the hours in which a truck can be driven on the road and on the size, weight, type, size and other restrictions. However, this is not always the case, nor requirement. It is the responsibility of the owner and or operator of the vehicle to be aware of eligible routes on which they can travel, and for what purposes.

There are also reasons why you may find yourself out of a truck route, which are considered acceptable.

These can include obtaining fuel having repairs carried out, making your way to a housing or to get food (in a commercial), or to make a delivery of cargo. However, these relaxations only apply provided that the driver takes the most accessible direct connection from the nearest road trucks and destination. If the vehicle owner has made prior arrangements to park or store the vehicle out of a truck route, then he / she must also use the most accessible direct connection.

When a vehicle is driven, used, parked or left in contravention of any provision of this Regulation, the vehicle owner is guilty of an offense and liable to the penalty prescribed in these Regulations . Wondering what the amount of the penalty be? When issuing a summons for a violation of Article 2 of the penalty for this offense is five hundred dollars ($ 500.00). The agent may choose to issue a parking tag to be in violation of Article 13, which would amount to $ 100.00

For more information on the City of Calgary Truck Routes and 60M0 information on Rules and a list of streets designated Truck Route, go to:

www.calgary.ca/Transportation/Roads/truck-route

www.cityofcalgarytruckroutemap.com

Keep on Truckin 'and Stay Safe [

Blog Author Lori Christensen |! Rogers Stieg Transportation Insurance Ltd.

Alberta is an oil-based economy - old news to companies currently affected by lower oil prices. The current crisis in the economy forces companies to focus on preserving their viability, organizations directly involved in exploration and production, to support resource development construction industry and manufacturing

We've been here before. Some companies overcome this crisis with manageable impacts their organizations, while others find their positions more difficult to maintain. The difference between these results may depend on the extent to which businesses take advantage of all existing opportunities and necessary to review their activities and maximize the effectiveness of their expenditures.

Fortunately, a number of specific measures are available to manage insurance costs:

• Examine your income with your insurance broker :. request your broker to change the revenue estimates immediately rather than wait for your renewal cycle to come around
• Add your operations with your broker to find opportunities to improve your coverage and structure bonus: suspend operations for which specific coverage was required can help you reduce the premiums associated during the recession. Reducing the scope of your operations, including the suspension of services or avoid international operations, can reduce the level of risk your business presents to the insurer - the opening of options to reduce your current premiums, or tackle new insurers that might be a better fit for your revised strategy
• review your active contracts: .. you might be able to cut your expenses premium taking into account the reductions under the existing contracts or cancellation of contracts where a specific coverage has been purchased
• update your equipment list and the property of schedule: removing items that have been eliminated or you would not be replaced if lost. Make sure your property is properly valued to reflect its current value or replacement cost
• Determine what equipment you use and how it is on :. If you parked, stacked or set up a significant amount of your insured equipment, your dealer may be able to take advantage of this limited use to obtain favorable rates more closely tailored to your current exposure.
• Make sure the broker is aware of all the safety measures that reduce exposure of the insurer and could get reduced rates: security systems, patrol, protection against fires, fencing, CCTV and GPS systems are examples of measures that can work to your advantage
• review your schedule conductors :. you can help ensure accurate pricing by removing the drivers that your equipment is working and managing drivers whose past performance can affect your premium
• Review your deductibles :. always keep the franchises within your risk tolerance while ensuring that you consider and benefit from premium reductions that can be achieved by selecting the amounts higher deductible
• Attach a valuation of your property. if an assessment has not been conducted recently, your values ​​may be updated. Over-insured property can cost unjustified premiums, while property underinsured can cost you even more if lost - affecting your cash flow due to unbudgeted expenses and gaps in coverage. Make sure your policy limits are precisely tailored to your current and anticipated future needs
• Explore the premium financing options :. Your dealer may be able to offer financing options that reduce the immediate budgetary impact of your insurance portfolio, while keeping. cost of finance within an acceptable range for you

other creative business strategies may exist to improve your survival managing costs:

• Revisit your supplier contracts: you ensure 're getting the best value for your dollar. Utilities and telecommunications companies offer deals at a fixed rate that can help you manage and plan future expenses; they also have some variable costs, so it is in their interest to retain as many customers as possible. If your current provider does not fold, look for innovative solutions from competing suppliers
• Review your benefits plan and pay structure. This is an opportunity for public and private companies to engage stakeholders in the development of solutions and ways to share the load
• proactively manage your costs in human capital :. minimize your future rehiring and retraining expenses preserving employment of as many staff as possible. Consider launching involuntary rotation of unpaid leave programs, or using vacation time earned in lieu of unpaid leave

Remember that the difficult economic climate presents unique challenges - . Not only for you but also your competitors. Although a slowdown, adjust your perspective and focus your operations, it is also an opportunity to tighten your budget and maximize efficiency to survive the competition and be lean and ready for the next boom.

your opinion insurance program

If you've ever been in a collision, you know how the whole point of stressful situation may be to file police reports to deal with the body shop. But imagine if you are in an accident involving a drunk driver?

We were asked several times if it is true that if you are an accident of impaired driving, there is no insurance. We want to address this myth.

In Alberta, all automobile policies follow the same language that is written by the provincial government. This policy has three sections:

Section A: 3 ^e Liability

This protects you against property damage or injury tangible you do to. other

Section B: Accident Benefits

This provides the limited replacement income and medical expenses for the driver, passengers in the vehicle insured or pedestrians involved in the accident, regardless of who was at fault

Section C :. physical damage

most people carry collision and comprehensive insurance to protect the loss of physical damage. Collision protects against collision damage; Complete protection against many hazards, including fire, theft and hail.

How drunk driving affects insurance?

Have broker review your policy wording to ensure that your needs are properly covered in each section. If you look at Section A , there is no exclusion for drunk driving, so if the drunk driver has a valid insurance, it will pay for property damage and injuries to other to the limits of the policy.

to Section B , although this is done on a no-fault basis, there is an exclusion for injuries drunk driver at fault in a collision. Thus, passengers in that vehicle and pedestrian traffic would still be covered by this section, but the drunk driver would not.

Section C dictates that there is no coverage when the insured operates a vehicle while under influence of intoxicating drugs or alcohol, or allows someone one else to operate the vehicle while intoxicated. This means that if a drunk driver crashes their vehicle, their insurance will not respond to pay for it. These additional costs are another way to punish the offending driver.

What this means for the victims of the crash of a drunk driver?

The section of liability is not canceled by drunk driving, because if it was ruled that there would be no financial recourse for victims affected by the drunk driver. Therefore, if you are hit by a drunk driver, you can assume your damages will be covered assuming the assurance of drunk driver was in force at the time of loss. If you are a drunk driver, and you have an accident, your injuries and your vehicle will not be covered, in addition to criminal and administrative penalties, you will face.

Always consult your dealer if you have questions about. your car insurance policy

Blog Author: Kevin Lea | Commercial Account Executive | Rogers Insurance Ltd.

This year is a milestone for our Red Deer facility, we celebrate successful (and delicious) 10 years of our annual Westerner Days Pancake Breakfast!

Each year, we aim to make our breakfast of pancakes bigger and better. We won "best decorated business" for Westerner Days, presented by the Red Deer Advocate. We started in 05 with a few hundred people present and a little less than $ 00 raised for the Children's Wish Foundation, but in 2013 We more than doubled the attendance and collectively raised over $ 45,000!

We are incredibly proud of the volunteer work of our employees are and we sincerely believe that it is important to give back to our community of significantly. one of the values ​​that we are proud as a company, is hiring the best talent and incredible people. We have volunteer employees in all capacities within various communities we do business in and the support of our own initiatives. in previous years, we were proud to donate all the funds of our breakfasts at the Red Deer Hospice Society, Circle resources Senior Center and Golden Wish Foundation 'Children.

This year, we will support the Red Deer Food Bank and hamper program. Did you know that the basket program feeds more than 15,000 residents of Red Deer each year, covering 22 000 square meters. Km in the central Alberta? Unbelievable! Each year, the Red Deer Food Bank moves more than 1.5 million pounds of food throughout the city and the region, do it with a team of dedicated volunteers, board and a staff of nine.

Please join us for our 10 ^e Westerner Days annual Pancake breakfast

When: July 15 ^e 2014

Where: Mooney parking insurance (45 ^e Street & Gaetz Avenue) Red Deer

Time: 07: 00-09: 30

Because we believe in our values, we decided that the time had come to Mt. Everest Fun This challenge. August 1st of ^st , our company was split into two teams competing with one another to reach the summit of Mount Everest. The goal was to get people moving and to defend another. Of course, even if a "Fun It" challenge, one team can "win." So the company is ripe with competition and teasing between the two teams. Employees who, once seated together in the dining room are now divided between orange and teal. Okay, it's not dramatic, but it is very clear that we have competitive people under our roof! Because despite the existence of not being a physical prize for the winning team, the participation amount indicates that bragging rights and respect is enough!

The teams started their virtual adventure to the base camp where they will climb the most common route called the South Col Route, which was used by Sir Edmund Hillary and Tenzing Norgay in 1953 when they became the first people credited with reaching the summit. The first step of the virtual climb is considered one of the most dangerous sections of the road - Khumbu Icefall. The average number of steps will be the next 60,960 ft climb.The camp with a mean number of steps of all members of each team in 00 will be followed at every stage of getting closer to the top.

Follow our adventure by "like" our Facebook page because every day we will post updates on how the trip goes to the orange team & Team Teal!

Wondering how we will monitor our progress? Using Pebbles - learn more here.

Slip, trip and fall accidents do not only affect the employees, they may have an adverse impact on visitors . These injuries can cost businesses a lot of money, causing employees to miss work, training a temporary employee if the injury is severe or prosecution of a visitor is injured in your business.

Slips and trips are usually attributed to slippery substances on the floor or gateway, uneven floor surfaces, loose rugs, carpets or other floor coverings that are not properly protected. Here are some helpful reminders on the prevention of slip, trip and fall accidents:

• Remove notification warning signs of unsafe conditions. Notify pedestrians moist soil or dangerous bridge conditions can reduce accidents.

• Clean floors spills immediately when they occur.

• Bridges, parking lots and sidewalks should be shoveled and salted in bad weather. Keep a diary of when, where, and what type of compensation occurs.

• During routine cleaning, the problems report loose carpet arising or other floor coverings that are not properly protected. Repair immediately.

• Emphasize the need to barricade the particularly dangerous areas with warning tape to keep pedestrians away.

• slip and fall accidents are the result of a person walking in a low light area. Staff should change light bulbs and other lighting if necessary.

• respond quickly to potentially dangerous areas reports.

• Keep logs after slipping and fall of this state the date, time, person (s) involved and the activities carried out.

• Train employees to perform routine maintenance of the building. This will enable staff to locate and repair all the necessary issues.

• Review your contract (s) Rental and understand your contractual responsibilities. Often, customers are responsible for more than they think.

According to the Alberta Fire Code, fire extinguishers are required in all commercial buildings. Their selection, installation and maintenance must comply with the National Fire Protection Association Standard 10 (NFPA 10), "Standard for portable fire extinguishers." These types of extinguishers are designed to control and extinguish small fires burning, they are not designed for large fires. If you can not control a fire extinguisher with a single, out of the building that the fire will spread and grow out of control.

Before you can select a fire extinguisher, take a minute to familiarize yourself with the different types of fire classes

class A :. ordinary combustibles such as fires :. wood, cloth, paper, rubber, and many plastics

class B :. fires in flammable liquids, combustible liquid, fat oil, tar, oils, oil-based paints, solvents, lacquers, alcohols, and flammable gases

Class C: fires involve energized electrical equipment

class D :. fire in combustible metals such as :. magnesium, titanium, zirconium, sodium, lithium and potassium

Class K: fires in cooking appliances that involve combustible cooking media (vegetable or animal oils and fat)

Each class of fire can not be extinguished with suitable fire extinguisher type .. for example: class A extinguisher water based would be harmful to the user and will not be effective extinguish class C electric live fire

the most common fire extinguisher available is the multi-purpose ABC fire extinguishers are. effective against all types Class A fires, B and C. These extinguishers use a dry chemical to smother the fire by separating the fuel from oxygen.
Portable fire extinguishers shall be installed on the hook provided by the manufacturer or inside cabinets or wall niches. These supports or cabinets must be located along normal paths of travel, including trips areas. Nothing should be placed in front of the fire extinguishers that could obstruct the view or access to the extinguisher.

Do not place fire extinguishers in a dangerous area. For example, if the lights are expected in the commercial kitchen, do not place fire extinguishers in the cooker; it would put the user in danger when he reached for her

If a fire is detected.
• Sound the alarm
• Start the evacuation of the building
• Call the fire department

If the use of a fire extinguisher is possible and safely, here are some tips:

• know your escape route. Do not pinch yourself with the fire between you and your exit. Keep your back to the exit so you can leave if the situation changes.
• Stay 8 Ft. (2.4m) return fire.
• Remember 'PASS'

P ull the pin on the handle of the extinguisher
A im the nozzle at the base of the fire
S queeze or press the trigger with a pressure
S cry the extinguisher from side to the other

If the fire does not go out and you are short of extinguishing agent and then leave the area immediately. It is likely that the fire is too large for your extinguisher and you will not be able to control this fire as it spreads

extinguishers must be inspected manually every 30 days, and an inspection record must be maintained by trained personnel and. certified to conduct the inspection

When performing an inspection, looking for the following:

• the extinguisher is still located at the place appointed and has not disappeared?
• Are there obstacles to reach the fire extinguisher?
• Playback gauge in the operating position?
• If you have a fire extinguisher with a hose, pipe is clogged?
• rod seal still in place and not broken?

unless the monthly inspection identifies a problem, fire extinguishers should be kept on an annual basis.

In all races coming madness, there is one thing you can count one: the large surface seller asking if you want to buy the extended mandate on your shiny new electronics purchase. Sure, it sounds tempting, relatively small premium to protect your new toy, but what it actually covers?

The truth is, these retailers extended warranties exist primarily to make big profits for the store. The average profit margin on them is about 60% (!), So almost all of the money goes directly to the profit and administration guarantee program. The guarantee program is not managed by the same big box store, it is immediately sold to a third party

Very few applications are not paid for two main reasons :.

1) the extended warranty does not start before the expiration of the manufacturer's warranty, so you might not see an advantage for years. At that time, chances are that the product has been upgraded to a newer or advanced model in a drawer somewhere

2) The extended warranty does not cover the main causes of the loss, in any form:. Accidental physical damage (water damage, falls, cracked screens, curved iPhones, dirt in the sensors, fire, etc.) or the actual loss / disappearance of the element. These are clearly excluded, the warranty company can and will use it to their advantage. So if you had a camera or phone camera for a while, and it's picked up some nicks and scratches, the warranty company will probably blame malfunctions on physical abuse and reject the application.

Fortunately, your landlord or tenant's insurance will cover the loss and physical damage, much lower premiums than what the retailer would pay, so if your electronic toys are damaged by fire or lost in a sewer backup, you can count on the insurance company to replace them with brand new items

Our advice: .. be a Scrooge this holiday season and do not waste your money on extended warranties

Freezing rain, sleet and wet snow: Welcome to another Canadian winter! Festive or not, our climate presents unique challenges ... not just for us but for our homes and vehicles,

Reduce stress and help avoid winter disaster with some proactive ideas :.

House

• Avoid frost damage! This is great to check the depth advice Samantha here: http://goo.gl/6dL6y4
• Keep water where it belongs: outside! Ensure snow does not accumulate on your roof or near your foundation, where he could form ice dams and causing the melt water to filter inside.
• light and the extra heat can help you through the winter, but keep your cold circuits! Protect your electrical system against overloads and fires by avoiding the use of extension cords and multiple sockets. Disconnect decorative fixtures if they are left unattended, and consider adding timers to items that might be forgotten
• Be smart with your watts -. It is easier than you think. If a device is able to heat the room, he uses a lot of power and should probably be the only thing running on this circuit. Heavy-print items such as heaters and electric fireplaces are never to "pair" with other electrical devices
• lower power equals lower risk. old school Christmas lights use up to 8 times more energy than new LED lights, generate far more heat and are much less durable. Dropping your incandescent Christmas lights for the LED can reduce your energy consumption, not to mention the risk of accidental damage and fires
• Always use the correct lights :. "Inside" sets are not designed to withstand the elements and can be damaged by outdoor use, leading to failures and fires. Always use light effects "outdoor" for applications outside of your home.
• Many jurisdictions you hold responsible for ice and snow removal on sidewalks adjacent to your property, including Calgary. Keep your family, friends (and possibly Santa) on their feet and out of the hospital: clear snow and ice from walkways and driveways and use salt or gravel to maintain traction
• maintain properly and clean chimneys - burning wood. and gas - before seasonal use. Use fireplaces and candles with caution and always make sure the flames are extinguished before leaving the room

Vehicles

• Winter tires work :. Braking improves up to 25%, collision avoidance improves up to 38%, reduce serious accidents by 15% and deaths fell by 5% or more. Stay in control and out of danger by selecting suitable winter tires for your vehicle
• Keep your tank at least half full :. The risk of condensation and conduct freezing gas is reduced if less moisture in the air can enter the reservoir. This also provides a fuel reserve in case of heavy traffic or delays stranding
• Clear snow and ice from your vehicle before hitting the road. This improves your visibility, allowing you to see and respond to risks. while extending the life of your wiper blades preventing them from running on rough ice
• Keep supplies in cold weather in your vehicle in case of accident, breakdown or grounding: warm clothes, blankets, non-perishable food and an emergency kit can help reduce your risk and discomfort while waiting for rescue.
• mechanical ventilation, including groundings, is usually not covered by a car insurance policy. Consider the protection of that risk by buying roadside assistance. Your current auto insurer may even have a solution available -. Call your broker first

No one knows how to handle the winter quite like Canadians, but with these tips and a dose of common sense, we can take the season in the security and good mood. For advice on your insurance coverage, contact your dealer or one of our experts at Rogers Insurance

Blog Author :. Stefan Tirschler | Account Executive | Rogers Signature Service

• [1] City of Calgary, street 20M88 Regulations http://goo.gl/rUOKGV
• [1] Find a certified professional WETT: http://www.wettinc.ca/
• [1] Ministry of Transport of Quebec: http: // goo . gl / gu8nWPhttp: //goo.gl/1j9ptn

If you are part of the c-suite (CEO, CFO, etc. ), you know that a slowing economy inevitably comes to tough decisions. Whether cutting back, bankruptcy, mergers and / or acquisitions, such decisions can come at great personal expense not only his reputation, but also financially.

What administrators and leaders of liability insurance?
A liability insurance payable to the directors and officers of a company as reimbursement for loss or advancement of defense costs if they suffer loss as a result of a lawsuit brought against them for alleged unlawful acts in their capacity as directors and / or officers.

Did you know that as a director or officer in an organization as your own personal property can be used if there is no compensation for Directors c / o officers?

The key to weathering downturns is having a strong contingency plan. This involves having the infrastructure in place to facilitate layoffs and terminations in conjunction with provincial labor laws

Following the prudent practice in employment practices, others claims that may arise during an economic downturn are :. Bankruptcy, security and fiduciary claims

Protect - Protect - Protect :.

• Consult a legal opinion
• does not decrease the limits of the policy
• full disclosure when layoffs

Here are some questions to consider :?

• Can I be sued for financial exaggerate my shareholders
• How my role as a member of the board and an economic slowdown affects my personal property?
• is my insurance protect me if an employee sues for being laid off?

When a company is unable to indemnify their directors and officers, "SIDE A" policy is used. The blog next week will explain why buying a policy "SIDE A difference in conditions" for administrators and individual agents is now more than ever.

Any questions about D & O? Ask one of our insurance experts.

While it is always important to be prepared when traveling, it is doubly important during the months of winter. Rapidly changing weather conditions, freezing rain and fog are just some of the obstacles you may encounter during your travels (which could occur within a 2-3 hour trip! )

'Journey Management' is simply doing what needs to be done to get from one place to another, avoiding and not causing unforeseen obstacles, such as an accident, road closures, vehicle breakdown etc. Journey management is not just for professional pilot long-haul truck. Although for them, it may well be a daily reality.

There are some basic steps that we can take before a road trip that can alleviate stress during travel.

When considering winter driving in Alberta, ask yourself: "Is this trip necessary?" If the answer is "yes," consider the following :?

• Do I know the road I'm traveling
• Based on driving conditions / current route and scheduled stops, how long should it take
• what things should I do before I go

In response :?

If the route is not familiar, the use of a GPS is recommended. But this should be supported with a road map and / or map of the city (think of all those times GPS put you in strange places!)

Check the Twitter feed of Alberta 511 or report of the AMA road (you can also find online.) or call your destination (if it is a hotel or a friend) and find out what the weather is like closer to your arrival time. In the case of professional drivers, have your shipment check to you.

For commercial drivers, you will have a standardized schedule and an "inspection before Trip '. For the rest of us road travelers, you must go to your vehicle; check the tire pressure, fluid levels (including washer), belts, lights, wipers and pipes. Make sure your cell phone is charged and / or that you have a car charger, pack some snacks and water. If your trip is longer than three hours, let them know when you and any deviation that could change your ETA expect

Some other common sense tips :.

• not to talk on a hand-held device or text while driving,
• still insist that everyone wear a seat belt
• remain vigilant
• adjust the speed appropriate to the conditions
• not use cruise control in all wet conditions, snow and ice,
• if you become " Highway hypnotized "(or tired) stop and take a nap or to stop and stretch your legs for a few minutes; enjoy the scenery, even if you've seen it hundreds of times!

Remember that even if the destination is the goal, a stress-free travel safely to get there is just as important.

Safe travels

Blog Author Lori Christensen | Rogers Stieg Transportation Insurance Ltd.

"I'm not a doctor or a lawyer, so I do not need professional liability."

Okay, but are you a translator? Allied health worker? PR consultant? software developer? Mortgage Broker? A "pro • fes • sion • al: on a job that requires special education, training, or skills if part of your job or business is to offer a service or expert advice, you should consider. securing professional liability [ errors and omissions liability ] together with your general liability coverage.

If you (like most) occasionally spoil to work, you're not likely to physically harm someone ( most of the time), or damage someone's property (although I guess maybe an abandoned laptop exists), but you are more likely to cause financial loss to your customer. by omitting to do what you were supposed to do, you can be held responsible and it usually manifests in a financial loss to your customer. If you rely on your general liability policy to respond in this case, then you had better start saving now that the general liability is designed to meet the prosecution following causes injury or physical damage to third-party assets. If you are a contractor, plumber or leader and you are sued, it is the type of coverage you need.

"I will never have a claim." Okay. That's why you are hired - you are good at what you do. But the other significant advantage of E & O insurance, even if you are not known to be responsible, the E & O insurance also includes the defense costs. If you think insurance is expensive, noted that the average hourly rate for lawyers in Canada is $ 360 per hour and the average cost of a civil trial of two days is $ 26,444 (Source: Canadian Lawyer Survey Magazine 2010).

There are other ways to protect yourself, contracts, hold harmless agreements, guarantees, etc., but in our business environment changes, with exceeding customer expectations, an E & O policy is a cost effective way to reduce your exposure.

Blog Author: Joanne Hankinson | Commercial Account Executive | Rogers Insurance Ltd.

Sorry, but you are looking for something that is not here.

It's that time of year when non-residential construction moves full tilt. If you are new construction, you have probably heard of bail, but perhaps you have never had to get one. Below, we'll talk about what they are and what is needed to acquire.

bonds usually require general contractors on public projects. Nowadays, more and more subcontractors find they must also provide links. A bond is an agreement under which one party (the deposit) warrants to the other (the owner or creditor) a third party (contractor) will complete a contract in accordance with the specifications agreed in the contract.

There are four common types of contract surety bonds:

• Bid Bond - provides a financial guarantee that the offer was made in good faith and that the contractor intends to conclude the contract to the best offer
• consent of the guarantor or surety agreement - .. guarantee that the performance and payment of necessary duties will be provided if the contractor is awarded the project
• Performance Bond - protects the creditor for the financial loss should the contractor fail to perform the contract under the terms and conditions of the contract
• Work & Material Bond of payment -. guarantee that the contractor will pay some bills subcontractors, labor and materials associated with the project.

most companies that issue bonds work through agents or brokers, so your first step in the acquisition of a bond is to discuss your plans with your representative. In general, the best qualified to help you get your link is a broker who specializes in surety bond. But keep in mind that the qualification for bonds is similar to getting a bank loan. As with any bank, a surety company must know before you make commitments. This process can take some time

The first step is information gathering and presentation of data to subscribers.

(1), the bonding company wants to verify that the contractor is of good character,

(2) has experience relevant to the project requirements and

(3) has (or can acquire) the necessary equipment for the project.

Second, they must ensure that the contractor has sound financial (usually established over three years of history.) This essentially means that he / she can support the project and has a history of entrepreneurs payers and providers (so if you do not pay your bills, you probably will not go beyond this point in the process!) Finally, they must also confirm that the contractor is in good time with other financial institutions .

the bottom-line.

"bail wants to be satisfied that the contractor is well managed, profitable company that holds promises, just how offers and fulfills obligations in time timely "[Source: Surety Association of Canada]

Click for more

Your estate is the sum of a hard life, smart investment and reasonable financial planning. It is your greatest legacy to your loved ones.

No matter how young or old you are, you much wealth you have amassed, if you are married with children or even, everyone can benefit from developing an estate plan. It not only gives you peace of mind knowing that your wishes are in place, it can also reduce taxes and the costs of your estate and made the transition of your assets to your loved ones a smoother process.

by creating a well thought out, organized estate plan you are able to:

• Protect the capital of the so more of your wealth tax may go your named
beneficiaries
• Spend your wealth to your beneficiaries designated according to your wishes
• reduce family conflict, leaving your loved ones know your wishes regarding your finances and your health
• reducing taxes and fees structuring your wealth in a tax efficient manner
• Structure of a portfolio of assets that can help protect the confidentiality of your designated beneficiaries and keep your estate as a matter of private family
• avoid the estate freeze and delays that occur when your assets are capitalized in the judiciary
• Structure your wealth to avoid the concept of "affluenza" which occurs when adult children do not charge the experience to handle sudden wealth

succession planning is simply more than having a will. There is an ongoing planning process that can alleviate the financial burden for your loved ones. Spend the time now to arrange your affairs so that you can help those you leave behind understand, resolve and prepare for one of the problems that can arise when settling your estate

Author Blog :. Aline Barker | Account Executive, Individual Life & Financial Services | Rogers Insurance Ltd.

This was the third annual Run for L'Arche and the event was the largest to date with over 0 participants in total half marathon, 5 Mile Race and 1K Fun Run Walk.

Calgary Mayor Naheed Nenshi was present as Run 2013 for the Ark of fi cial Starter Race. The weather was bright when Mayor Nenshi blasted the airhorn to send participants on the Bow River Pathway, but the riders were satisfied with what they saw as the perfect race conditions.

More than 125 volunteers spent the day at Eau Claire Market and along the way by ensuring that all participants had a great experience. Treated subjects functions, including pick-up race packet, the number of water stations, course marshaling and hanging medals around the necks of riders as they fi nished their events. After shopping, participants were treated to a free breakfast of pancakes courtesy of Calgary Stampede Caravan Committee and free 10 minutes of sports therapy sessions Endura ProActive Health and Group Health.

The title sponsor for the 2013 Run The Ark Economical, one of the largest property and casualty insurance companies in Canada. The event is also widely supported by the sponsorship of the insurance industry and the wider community of Calgary.

Click here to download the press release.

The program was called change of life and extraordinary; he was featured on World News and the Calgary Herald. But its roots date back to 08 when Lee Rogers (President, Rogers Insurance Ltd.) and Bruce Rabik (COO, Rogers Insurance Ltd.) decided it was time to make amazing things happen for Rogers employees of insurance. They recognized that each person had his own dreams, but not necessarily the means to make these dreams come true. They felt it was a great way for employees to balance their personal and professional lives. So whether big or small, the "Rogers Dreams Come True" program was successful and no doubt help employees insurance Rogers to realize their own dreams.

in its first year, the program began with two dreams and deposited $ 100 to each employee dream account. From there it evolved into the program it is today :. Four dreams (two draws and two dreams voted anonymously), $ 100 deposited in each account dream employee and a draw for $ 1,000 in the dream of an employee annually

the dreams go to vacation worldwide, to cover major medical expenses. bring loved ones to shopping sprees Since 08, Rogers Insurance has disbursed more from $ 150k to support employees as they realize their dreams, anything to take trips around the world to ease the financial burden on hard times (which is why the program continued even during the recession) .more the coming months, we will feature our dream of winning here on our blog, so stay tuned to learn more about Rogers assurance helps to make dreams come true!

Attracting the best talent and retain them is a difficult feat, this is especially true for the sector insurance. Traditionally, the insurance industry has experienced a higher turnover rate than most. As a result, the industry has been more competitive with companies and brokerages to fight for talent and jockeying for a better position. So what makes a company more attractive to another? We asked around and no surprise that we came up with:

• healthy culture
• Work-life balance
• opportunity to learn
• competitive wages

As one of Canada's top employers, we are often asked how we attract and retain our talent. The truth is that we focus on being an employer of choice. It is not complicated: we work hard to create a dynamic environment where people want to be; we strive to recruit the best, make up competition, we try new things and listen to comments

Every day we try to live our values ​​of "Fun, respect, Win It & Own It" - . make them more than just writing on the wall. Often you will see these values ​​in action through the challenges across the enterprise, office events and other things woven throughout our culture. For example, if you come by one of our locations you would see employees running literally in the "Fun It Everest Challenge." Because the health and well-being is an important part of a healthy culture, we strive to provide our employees with the tools and resources to stay motivated. And of course, we do not always get right, but we are ready to listen to our employees "likes and dislikes" and work for positive change with this feedback in mind.

This makes them enjoyable workplace is healthy culture; creating an office space that is less sterile and building a place that people choose to be. At Rogers, we work hard to keep our employees engaged and enjoy their time here. Here are some of the cool things we like to do and our employees seem to enjoy:

• Social active Club (ski trips, barbecues, private concerts, comedy shows and pensions)
• Dog Policy. That is true; you can bring your best friend to work every day if you want!
• Training
• "Dream Program"
• Staff retreats
• Community Engagement (Run for L'Arche Calgary Hull etc.)
• Popcorn & Barbotines!
• employee ownership

There are some other things we believe Rogers is a great place to work. If you want to work for one of the best employers in Canada or to learn more about our offers job, please contact us!