Ontario Annual Report - Insurance Institute of Canada

2011/2012
Ontario
Annual
Report

Reports of
the Insurance
Institute of
Ontario
2011–2012
2011 – 2012 Annual Report
1

2 Insurance Institute of Ontario

Contents
Subscribing National Companies 2011 4
Subscribing Ontario Companies 2011 5
Officers and Governing Council 2010 - 2011 and 2011 - 2012 6
President’s Report 7
Minutes of the Annual General Meeting 10
Committee Reports
Academic Division 12
Professional Division, CIP Society 16
Regional Division 18
Chapter Reports
Cambrian Shield Chapter 21
Conestoga Chapter 23
Hamilton/Niagara Chapter 25
Kawartha/Durham Chapter 28
Ottawa Chapter 30
Southwestern Ontario Chapter 32
The John E. Lowes Insurance Education Fund Report 35
Financial Reports
Treasurer’s Report 36
Auditor’s Report 37
Financial Statements 38
General Manager’s Report 49
Awards - 2010–2011 52
Evening Class Instructors 2010–2011 57
Graduating Fellows - 2010–2011 58
Graduating CIPs - 2010–2011 59
General Insurance Essentials (GIE) and Continuing Education - 2010–2011 62
Past Presidents 63
Institute Staff 66
Ontario Student Registrations 67
2011 – 2012 Annual Report
3

Subscribing
National Companies
2012
Promutuel L’Abitibienne, S.M.A.G.
ACE INA Insurance
Alberta Motor Association Insurance
Algoma Mutual Insurance Company
Allstate Insurance Company of Canada
Antigonish Farmers’ Mutual Insurance Company
Aon Re Canada
Aon Reed Stenhouse Inc.
Promutuel Appalaches - St-François
Aviva Canada Inc.
Ayr Farmers’ Mutual Insurance Company
Bay of Quinte Mutual Insurance Company
Promutuel Bellechasse, S.M.A.G.
Bertie & Clinton Mutual Insurance Company
Boiler Inspection & Insurance Company of Canada
Promutuel Bois-Francs, S.M.A.G.
Brant Mutual Insurance Company
CAA Insurance Company (Ontario)
Canadian Direct Insurance
La Capitale, Compagnie d’Assurance Générale
Cayuga Mutual Fire Insurance Company
Chartis Insurance Company of Canada
Chrysler Insurance Company
Chubb Insurance Company of Canada
CNA, Canadian Operations
Coachman Insurance Company
Commonwealth Insurance Company
Co-operators General Insurance Company/Group
Crawford and Company (Canada) Inc.
The CUMIS Group Limited
Cunningham Lindsey Canada Limited
C.U.R.I.E.
Dale Parizeau Morris MacKenzie
Desjardins Groupe d’assurances générales
Promutuel Deux-Montagnes
The Dominion of Canada General Insurance Co.
Dorchester, S.M.A.G.
Promutuel Drummond, S.M.A.G.
Dufferin Mutual Insurance Company
Ecclesiastical Insurance Office plc
Echelon General Insurance Company
The Economical Insurance Group
ENCON Group Inc.
Erie Mutual Fire Insurance Company
Le Groupe Estrie-Richelieu
Everest Reinsurance Company
Factory Mutual Insurance Company
Federated Insurance Company of Canada
Focus Group Inc.
GCAN Insurance Company
General Reinsurance Corporation
Germania Mutual Insurance Company
Glengarry Mutual Insurance Company
Gore Mutual Insurance Company
Grain Insurance & Guarantee Company
The Guarantee Company of North America
Hannover Reinsurance Company
Hay Mutual Insurance Company
Howick Mutual Insurance Company
Insurance Corporation of British Columbia
Intact Insurance Company
Kent & Essex Mutual Insurance Company
Kernaghan Adjusters Limited
The Kings Mutual Insurance Company
Jevco Insurance Company
L & A Mutual Insurance Company
Lanark Mutual Insurance Company
Legacy General Insurance Company
Promutuel du Littoral
Lloyd’s Underwriters
Lombard Canada Group/
Northbridge Insurance Company
Lotbinière, S.M.A.G.
Lumbermen’s Underwriting Alliance
Manitoba Public Insurance Corporation
Markel Ins. Co. of Canada/
Northbridge Insurance Company
Marsh Canada Limited
Mennonite Mutual Fire Insurance Company
Metro General Insurance Corporation Ltd.
Promutuel Montmagny-L’Islet
Motors Insurance Corporation
Munich Reinsurance Company of Canada
The Mutual Fire Ins. Co. of British Columbia
North Blenheim Mutual Insurance Company
North Kent Mutual Fire Insurance Company
North Waterloo Farmers Mutual Ins. Co.
Old Republic Insurance Company of Canada
Ontario School Boards’ Insurance Exchange
Optimum General Inc.
Oxford Mutual Insurance Company
PAFCO Insurance Company
PARIS RE
Partner Reinsurance Company of the U.S.
Peace Hills General Insurance Company
Peel Maryborough Mutual Insurance Company
Peel Mutual Insurance Company
P.E.I. Mutual Insurance Company
Pembridge Insurance Company
The Portage La Prairie Mutual Insurance Co.
Promutuel Prairie-Valmont
Red River Mutual
Promutuel des Riverains
Promutuel Riviere-du-Loup
Promutuel Rouyn-Noranda-Témiscamingue
RBC General Insurance Company
RSA Canada Group
Saskatchewan Government Insurance Canada
Saskatchewan Mutual Insurance Company
Scor Canada Reinsurance Company
SGI Canada Insurance Services Ltd.
Sirius America Insurance Company
South Easthope Mutual
SSQ, Société d’Assurances Générales
State Farm Insurance Companies
Swiss Reinsurance Company Ltd.
TD Insurance
The Toa Reinsurance Company of America
Totten Insurance Group
Towers Watson Canada Inc.
Transatlantic Reinsurance Company
Travelers Canada
Trillium Mutual Insurance Company
L’Unique, Compagnie d’Assurance Générale
Promutuel La Vallée, S.M.A.G.
Promutuel Vaudreuil-Soulanges
Verchères, S.M.A.G.
Wabisa Mutual Insurance Company
The Wawanesa Mutual Insurance Company
Westminster Mutual Insurance Company
Western Surety Company
XL Services Canada Ltd.
Yarmouth Mutual Fire Insurance Company
Zurich Canada
4 Insurance Institute of Ontario

Subscribing
Ontario Companies
2011
Advocate Insurance Group
Aviva Canada Inc.
Ayr Farm Mutual Insurance Co.
Beament Green
Bill Blaney Insurance Brokers Ltd.
Brant Mutual Insurance Company
Burns & Johnston Insurance & Surety Services Ltd.
CHES Special Risks Inc.
CSI Adjusters Ltd.
Cambridge Insurance Brokers Ltd.
Caradoc Delaware Mutual Fire
Insurance Company
Caskanette Udall Consulting Engineers
Cayuga Mutual Insurance Company
The Co-operators (General Insurance Company
Cowan Insurance Group Ltd.
Crawford and Company Canada Inc.
D.A Kurt Insurance Brokers Ltd.
Dan Lawrie Insurance Brokers Ltd.
Dalton Timmis Insurance Group
Donnell Insurance Brokers Ltd.
Donovan Insurance Brokers Inc.
The Economical Insurance Group
Erb and Erb Insurance Brokers Ltd.
Farm Mutual Reinsurance Plan Inc.
First General Services - Hamilton/Burlington
G. Taylor & Associates Insurance Brokers
Germania Mutual Insurance Company
Gore Mutual Insurance Company
Gray Insurance Brokers Inc.
The Guarantee Company of North America
HMS Insurance & Financial Services Inc.
represented by:
- MacLachlan Insurance Brokers
- Woods, Hodgins Insurance Broker Limited
- Giffen-Pierce, Sinclair Insurance Brokers Ltd.
H.L. Staebler Company Limited
Halwell Mutual Insurance Company
Hay Mutual Insurance Company
Hayter Fisher Insurance Brokers Ltd.
Howick Mutual Insurance Company
J.C. Sutherland Insurance Brokers Inc.
John Sutherland & Sons Ltd.
Lackner Mclennan Insurance Ltd.
Lambton Mutual Insurance Company
Madorin Snyder LLP
Magermans & Raes Insurance Brokers Ltd.
McKillop Mutual Insurance Company
McTaggart Armstrong Dewar & Owen
Insurance Brokers
The Merit Group Insurance & Financial Service
Middlesex Mutual Insurance Co.
Miller Restoration
Mollison McCormick LLP
Mumby Insurance Brokers Inc.
North Blenheim Mutual Insurance
North Kent Mutual Insurance Company
North Waterloo Farmers Mutual
Insurance Company
OTIP/RAEO Insurance Brokers Inc.
Ontario Mutual Insurance Association
Ontario School Boards’ Insurance Exchange
Oxford Mutual Insurance Company
Padfield-Nelson Insurance Brokers
Paul Landry Insurance Brokers
Paul’s Restorations
PDS of Halton/Hamilton-Wentworth
Pelton Law
Portage Mutual Insurance Co.
PricewaterhouseCoopers LLP
Roth Nowak Insurance Brokers
ServiceMaster of Hamilton DR
Smith Petrie Carr & Scott Insurance Brokers Ltd.
South Easthope Mutual Insurance Company
Stevenson & Hunt Insurance Brokers Inc.
Terra Restoration Steamatic Hamilton
Tradition Mutual Insurance Company
Trillium Mutual Insurance Company
Van Allen Insurance Inc.
West Wawanosh Mutual Insurance Company
Winmar Property Restoration
WinMar - Burlington/Hamilton/Milton
Yarmouth Mutual Insurance Company
2011 – 2012 Annual Report
5

Officers and
Governing Council
2011 - 2012
President Paul Martin, CIP RRJ Insurance Group Limited
Deputy President Randy Bushey, CIP Knox Insurance Brokers Ltd.
Senior Vice President Linda Wahrer, FCIP Munich Reinsurance Company of Canada
Treasurer Donna Ince, CA, FCIP RSA Group
Secretary Pat Van Bakel, BBA, CIP Crawford & Company (Canada) Inc.
Vice President, Academic Division Wendy Hayden, BA, FCIP, CRM PBL Insurance limited
Vice President, Professionals’ Division Heather Masterson, FCIP HKMB HUB International Limited
Vice President, Regional Division Monica Kuzyk, FCIP, CRM, FCIP Curo Claims Services
Past President Carlos Rodrigues, MBA, CMA, FCIP North Waterloo Farmers Mutual Insurance Company
Staff Peter Hohman, MBA, FCIP, ICD.D General Manager
Mike Divjak, B.Comm, FCIP, CRM
Vice President, Operations, IIC
Dawna Matton, BA, FCIP
Senior Director, Insurance Institute of Ontario
Angela Murray, B.Comm, CMA
Director, Finance
Darlene Hastings
Executive Assistant
2012 - 2013
President Randy Bushey, CIP Knox Insurance Brokers Ltd.
Deputy President Donna Ince, CA, CIP RSA Group
Senior Vice President Pat Van Bakel, BBA, CIP Crawford & Company (Canada) Inc.
Treasurer Tim Shauf, BA, CIP Farmer’s Mutual Insurance Company (Lindsay)
Secretary Tom Reikman, MBA, HBSc, CIP Aviva Canada
Vice President, Academic Division Wendy Hayden, BA, FCIP, CRM Consultant
Vice President, Professionals’ Division Heather Masterson, FCIP HKMB HUB International Limited
Vice President, Regional Division Monica Kuzyk, FCIP, CRM, ORMP Curo Claims Services
Past President Paul Martin, CIP RRJ Insurance Group Limited
Staff Peter Hohman, MBA, FCIP, ICD.D General Manager
Mike Divjak, B.Comm, FCIP, CRM
Vice President, Operations, IIC
Dawna Matton, BA, FCIP
Senior Director, Insurance Institute of Ontario
Angela Murray, B.Comm, CMA
Director, Finance
6 Insurance Institute of Ontario

President’s
Report
Paul Martin, CIP
“May you live in interesting times.” Certainly this wish has come true for the insurance industry.
Later this fall, Ontario will go through a provincial election with the potential to bring changes to
the industry’s relationship with government. Federally we have just come through yet another
election, resulting in a new look in Ottawa.
Changing climate has put our industry on high alert as the incidence of severe weather-related
storms continues to escalate both in terms of frequency and severity. Wind and water damage has
trumped fire as the peril of the day. Damages have increased notably and with the higher values of
electronic equipment and other possessions found in homes today, the average cost of claims has
risen sharply.
Types of risks are also changing remarkably. I had the opportunity to visit Sault Ste. Marie for their
convocation ceremony last fall and witness first hand the growth of solar farms with fields of panel
installations reaching for miles, as “The Soo” strives to become the solar capital of North America.
“The new Fellowship
Program is delivered
largely through
online delivery,
which means it fits
with very busy work
schedules allowing
students to access
the courses whenever
it best suits them and
from wherever they
may be situated at
the time.”
As an industry, are we prepared to accommodate the changing nature of the perils our customers
are facing and are we finding innovative means of addressing the insurance needs of emerging
types of risks
All good questions as we look to the future, and this of course is where a solid education becomes
so important for our leaders and insurance professionals of tomorrow.
The Institute’s new Fellowship course, Emerging Issues for the Insurance Leader speaks to these very
issues. This course examines macro issues currently facing the p&c industry within Canada and
globally. Perhaps more importantly the course helps students learn to model the process enabling
them to identify future issues impacting the industry as they arise.
Emerging Issues is just one of the leading edge courses found in the new Fellowship program
which is tailored specifically to the needs of our industry from a business perspective. Additional
courses include: Strategy, Leadership, Financial Management and Enterprise Risk Management
all with an insurance orientation. Students finish the program with a two-semester work-based
project related to the business. These Fellowship courses are the perfect next step for Chartered
Insurance Professionals looking to qualify themselves for further advancement opportunities in our
industry.
The new Fellowship Program is delivered largely through online delivery, which means it fits with
very busy work schedules allowing students to access the courses whenever it best suits them and
from wherever they may be situated at the time.
Web-based courses have also become remarkably popular among CIP students. These are offered
in two formats with the first format bringing together students in a classroom setting with
students who are connecting online. The second format connects all participating students in a
real-time web-based format. Either way, these newer styles of tuition are an excellent means of
providing students with the opportunity to complete their studies in ways that work best for them.
Through our designation programs, the Insurance Institute provides tremendous value to our
industry. In Ontario alone we have more than 19,000 people who are either students or graduates
of the Institute representing all sectors of the business including approximately 5,600 brokers,
11,700 insurers, 1500 independent adjusters and others.
2011 – 2012 Annual Report
7

President’s Report
Continued
The Institute’s reach is particularly evident when you attend our various awards functions across
the province. The GTA convocation is the largest with an audience of more than 800, but we also
draw strong participation in our other chapters and our smaller locations enjoy well-supported
attendance from their communities as well.
I had the good fortune this year to participate in our chapter celebrations and present our new
graduates with their diplomas. These are happy occasions that celebrate years of hard work,
sacrifice and the journey to professional qualification. It was my honour and a real pleasure to be
a part of these special moments and I will indeed cherish these memories. Again, I extend my
sincere congratulations to all of our new graduates on their accomplishments.
“Our CIP Society
also continues to
bring good value
to its membership
of almost 8,000
graduates. Always a
highlight of the year,
the Society’s one-day
symposium provided
an engaging line-up
of speakers and
topics again this
year attracting a
diverse audience
from all sectors of
the business.”
The Institute is committed to helping its members succeed in their studies. Our Southwestern
Chapter, for example has been piloting a progressive approach to help CIP students who have had
difficulty with a particular course. Their “Back on Track” program is intended for students who have
been unsuccessful two or more times on an exam and are no longer receiving financial help from
their employer. If there is space available in the following semester’s evening class, students are
invited into the course at no cost to them, other than the national exam fee. A handful of students
have accepted this offer with subsequent success on their exams, which then allowed them to
progress further in the CIP Program with their employer’s support.
At the same time, the Institute is always looking for ways to partner with other industry
organizations in the delivery of education to business. This year we had the opportunity
to collaborate with the Ontario Independent Adjusters’ Association (OIAA), to create the
Understanding Serious Injury: Adjusters’ Training & Education program; a comprehensive, 8-day
workshop-based program specifically designed for adjusters managing the recovery of seriously
injured claimants. This program has been well received by members of both associations.
Connecting online through the various forms of social media has almost become a way of live for
many people, particularly our younger demographic. To ensure that the Institute engages with its
members in ways that they prefer, I am delighted to see that the national institute has begun to
look seriously at how the institutes will embrace social media.
In fact, there are two significant initiatives underway in this regard. First, National is about to begin
the process of completely reconstructing its website so that it can act as the hub for all of the
Institute’s digital activity. And at the same time, the national institute has engaged the services of
the firm, Social Media Group, to guide the Institutes in their journey to adopting and utilizing social
media.
These are very exciting initiatives that are expected to be completed over the next twelve months.
These new tools will enable the Institutes to develop closer relationships with its members and
students, enhance communication more broadly and provide better access to Institute, Society
and Career Connections programs and services.
Career Connections within the Institute has begun to play a significant role in our activities and
for the industry, especially in the last handful of years. With its four audiences of high school
students, post-secondary students, teachers and educators, and career changers, our team of 243
Ambassadors and Institute staff has been busy getting our message out. Last year, we made 192
classroom presentations at 75 schools reaching more than 5,600 students. Our team also attended
25 career fairs and 49 post-secondary careers-based events reaching more that 99,000 students.
This snapshot provides a glimpse into the good work our Career Connections team is doing in
Ontario alone.
Our CIP Society also continues to bring good value to its membership of almost 8,000 graduates.
Always a highlight of the year, the Society’s one-day symposium provided an engaging line-up of
speakers and topics again this year attracting a diverse audience from all sectors of the business.
The May Starlight-Starbright Gala, sponsored by our Fellows is always a sold-out black-tie event.
Many senior industry leaders attend this magical evening and help raise charitable donations,
which this year reached $240,000.
Most Institute Chapters through their Societies also hold advanced-level seminars for their
graduates, host networking events, golf outings and curling bonspiels. All of these are important
components necessary to create a positive experience for our graduates.
8 Insurance Institute of Ontario

President’s Report
Continued
“I extend my thanks
to our many course
instructors, seminar
leaders, ambassadors,
and committee and
council members.
You help make the
Institute what it is
today.”
Earlier I mentioned the tremendous value the Institute’s designation programs bring to the
industry. Clearly though, the Institute’s value proposition extends well beyond the formal
education component of its mandate to all aspects of its work. The very full agenda that the
Institute manages means the president’s year in office comes to a close very quickly.
A past chairman of the national institute, Robert Landry, encouraged me to become involved with
the Ontario institute a handful of years ago. I owe him a debt of gratitude for involving me in what
has become one of the most memorable and enjoyable parts of my career.
Our organization also owes a debt of gratitude to the many volunteers who selflessly dedicate
countless hours and share their knowledge to help those coming behind them. I extend my
thanks to our many course instructors, seminar leaders, ambassadors, and committee and council
members. You help make the Institute what it is today.
My thanks also to the members of our Governing Council. They often volunteer for several years
expecting nothing in return, but the satisfaction of helping better the Institute in its service to our
members and the industry generally. Please accept my sincere thanks for your support and wise
council.
Behind the scenes we have a hard-working, well-qualified staff team who help smooth the way for
the elected leadership and execute the operational aspect of the Institute. My thanks to you all as
well.
In closing, I thank you all for the opportunity to serve as your president and extend my good
wishes to my successor, Randy Bushey, CIP from the Great White North.
Sincerely,
Paul Martin, CIP
President
2011 – 2012 Annual Report
9

Minutes of the Annual
General Meeting
Annual General Meeting of the Insurance Institute of Ontario
Wednesday, June 26, 2012 – 11:15 a.m., Insurance Institute of Ontario, Institute Offices, 18 King Street East, Suite 1600, Toronto, Ontario, M4Y 1G3
The meeting was called to order at 11:15 a.m.
1./2./3. Notice of Meeting, Appointment of Scrutineers,
Report on Quorum
Report tabled by Pat Van Bakel
Secretary, Pat Van Bakel, confirmed that a notice of this meeting was
mailed to members in the Spring 2012 “In Ontario” newsletter, in
accordance with the by-laws. A Notice of Nominations for election was
also displayed in the Institute Office for the required period of time. No
additional nominations have been received and it is not necessary to
appoint Scrutineers. Pat Van Bakel also confirmed that a quorum was
present for this meeting as set out in the by-laws.
4. Minutes of the Previous Annual Meeting and
Any Other Meeting Held Since the Last Annual
Meeting
It was
MOVED BY: Pat Van Bakel
SECONDED BY: Wendy Hayden
THAT: the minutes of the Annual General Meeting held on
June 21st, 2011 be approved as circulated. .
CARRIED.
5. Report of Committees and Other Reports and
Communications
It was
MOVED BY: Pat Van Bakel
SECONDED BY: Monica Kyzyk
THAT: the reports tabled by the various committees, and
approved by the Governing Council at its meeting
immediately preceding this meeting, be now accepted
as read, with the provision that they subsequently be
reproduced in our annual report..
CARRIED.
6. Report of the President
- Report Tabled by Paul Martin
It was
MOVED BY: Monica Kuzyk
SECONDED BY: Wendy Hayden
THAT: the President’s Report be accepted as tabled.
CARRIED.
7./8. Auditor’s Report and Annual Financial Statements
- Report Tabled by Randy Bushey for Donna Ince
It was
MOVED BY: Randy Bushey
SECONDED BY: Pat Van Bakel
THAT: the Auditor’s Report and accompanying annual
financial statements for the year ended March 31, 2012,
be accepted and approved.
CARRIED.
9. Approval of Acts of Directors
It was
MOVED BY: Pat Van Bakel
SECONDED BY: Linda Wahrer
THAT: all acts, contracts, by-laws, proceedings, appointments,
elections and payments enacted, made, done or taken
by the Governing Council, Officers and Committees of
the Institute, since the date of the last Annual Meeting
and the same, be hereby approved and confirmed.
CARRIED.
10. Election of Directors of IIO and Governors of IIC and
Honourary Members
Randy Bushey tabled the report of the Nominating Committee. The
proposed slate of directors and governors have all agreed to serve.
It was
MOVED BY: Randy Bushey
SECONDED BY: Monica Kuzyk
THAT: The following councillors be accepted for 2012/2013
Representing the membership-at-large are:
Donna Ince, CA, CIP, of RSA
Heather Masterson, FCIP, of HUB International
Monica Kuzyk, FCIP, CRM, ORMP, of Curo Claims Services
Pat Van Bakel, BBA, CIP, of Crawford & Company Canada
Paul Martin, CIP, of KRG Insurance Brokers
Randy Bushey, CIP, of Knox Insurance Brokers
Tim Shauf, CIP, Farmers’ Mutual Insurance Company
Tom Reikman, CIP, Aviva Canada
Wendy Hayden, BA, FCIP, CRM
10 Insurance Institute of Ontario

Minutes of the Annual
General Meeting
Continued
and election to Governors to The Insurance Institute of Canada:
Randy Bushey, CIP
Donna Ince, CIP
Pat Van Bakel, BBA ,CIP
For Cambrian Shield – Cathy Turcotte, CIP
For Conestoga – Brent Hackett, FCIP
For Hamilton/Niagara – Michelle Snowdon, FCIP
For Kawartha/Durham – Elaine Porter, CIP
For Ottawa – Carson Cook, CIP
For Southwestern – Tracey Zantingh, CIP
CARRIED.
11. Appointment of Auditors
It was
MOVED BY: Pat Van Bakel
SECONDED BY: Wendy Hayden
THAT: the firm of BDO Canada, LLP, Chartered Accountants,
be appointed auditors for the Insurance Institute of
Ontario for the current year, at a remuneration to be
fixed by the Governing Council.
CARRIED.
12. Any Other Business Which May Properly Be
Brought Before the Meeting
Randy took the opportunity to thank Paul Martin for all the work that
he has done over the past year. Paul did a tremendous job representing
the Institute throughout his tenure attending various functions, greeting
graduates, members and stakeholders. Randy expressed the Council’s
gratitude for Paul’s ongoing commitment and support.
13. Termination
It was
MOVED BY: Paul Martin
SECONDED BY: Monica Kuzyk
THAT: the meeting be adjourned.
CARRIED.
There being no further business, the meeting was adjourned at 11:45 am.
2011 – 2012 Annual Report 11

Academic
Committee Report
Wendy Hayden, BA, FCIP, CRM
EDUCATION
CIP Registrations
Overall, the 2011/2012 CIP registrations have increased by 18.1% resulting in 483 more students
compared to the previous year. The number of students in virtual classes continues to rise in
enrollment with an increase of 64.6%, 365 students compared to the previous year. A shift in student
registration numbers from Toronto to virtual and in-house for the fall and winter semesters has been
identified and the trend will continue to be monitored. Preliminary spring 2012 registrations are
strong with an overall increase of 17.6% over the previous year.
The following chart provides a comparison of CIP students and classes between 2011/2012 and
2010/2011.
“Enrollment for the
one week courses
has remained steady
from last year with a
total of 73 students
over 5 classes.”
Winter 2012 Winter 2011
Toronto 239 students 10 classes 250 students 10 classes
In-house 457 students 28 classes 432 students 28 classes
Off-Site 87 students 7 classes 57 students 4 classes
Virtual 399 students 13 classes 255 students 8 classes
Totals 1182 students 58 classes 994 students 50 classes
Fall 2011 Fall 2010
Toronto 306 students 13 classes 315 students 14 classes
In-house 464 students 31 classes 421 students 28 classes
Off-Site 142 students 9 classes 77 students 5 classes
One-Week 40 students 3 classes 43 students 3 classes
Virtual 330 students 11 classes 165 students 7 classes
Totals 1,282 students 67 classes 1,021 students 57 classes
Spring 2011 Spring 2010
Toronto 247 students 12 classes 207 students 10 classes
In-house 201 students 15 classes 240 students 16 classes
Off-Site 4 students 1 classes 30 students 3 classes
One-Week 33 students 2 classes 30 students 2 classes
Virtual 201 students 7 classes 145 students 6 classes
Totals 686 students 37 classes 652 students 37 classes
Total 2011/2012 Total 2010/2011
Toronto 792 students 35 classes 772 students 34 classes
In-house 1122 students 74 classes 1093 students 72 classes
Off-Site 233 students 17 classes 164 students 12 classes
One-Week 73 students 5 classes 73 students 5 classes
Virtual 930 students 31 classes 565 students 21 classes
Totals 3150 students 162 classes 2,667 students 144 classes
One-Week Courses
Enrollment for the one week courses has remained steady from last year with a total of 73 students
over 5 classes. The schedule for the one-week courses has changed slightly for 2012 with the
12 Insurance Institute of Ontario

Academic
Committee Report
Continued
addition of the C36 - Building Construction course to the lineup. Instead of two courses offered
during spring, there will now be three one-week courses. Northbridge has hired 10 trainees for
program for 2012 and registration is open to general membership.
Virtual Classes
Full virtual classes continue to be a success for GTA. They have shown dramatic increases in student
enrollment and classes offered from one year to the next. In addition, due to their popularity, the
GTA has been able to offer more classes semester to semester, with 13 classes offered in winter 2012
compared to 8 classes in winter of 2011.
Overall students have increased by 64.6% compared to the previous year. TD Insurance continues to
offer “virtual in-house’ classes to meet the needs of their staff. They ran three classes ran during fall 2011
and three classes were held in winter 2012. These classes are included in the In-house numbers.
SEMINAR PROGRAM
Success Series Seminars
The following chart will serve to summarize the number of Success Series seminars and attendees
for the fiscal year 2011-2012 as compared to the previous year.
“Full virtual classes
continue to be a
success for GTA.
They have shown
dramatic increases in
student enrollment
and classes offered
from one year to the
next.”
2011 Attendees 2010 Attendees
April 56 98
May 115 161
June 88 45
July 0 53
August 0 13
September 116 124
October 83 43
November 58 61
December 44 35
January 0 78
February 86 74
March 82 72
Total 728 857
note that from April - Aug., we had a total of 333 attendees at SABS sessions (271 people in-class
and 66 via webinar)
Total number of seminars offered April 2011 – March 2012 37
Total number of seminar attendees April 2011 – March 2012 728
Total number of seminar attendees April 2010 – March 2011 857
The following chart will serve to summarize the number of CIP Society PROedge seminars and
attendees for the fiscal year 2011-2012 as compared to the previous year.
2011 Attendees 2010 Attendees
April 9 0
May 15 11
June 75 0
July 0 0
August 0 0
September 18 39
October 0 0
November 45 0
December 8 0
January 82 53
February 20 27
March 0 0
Total 272 348
Total number of seminars offered April 2011 – March 2012 11
Total number of seminar attendees April 2011 – March 2012 272
Total number of seminar attendees April 2010 – March 2011 130
2011 – 2012 Annual Report 13

Academic
Committee Report
Continued
“The John E. Lowes
Breakfast took place
on the morning of
October 26th, 2011.
The speaker for the
event was former
Toronto Mayor,
David Miller, who
spoke on ‘We Can
Fight Climate Change
and Create Jobs
– Here’s How’.”
Summary
The results for the seminar program were steady this year with a slight decrease in activity for the
SEP program compared to last year and a definite increase in the PROedge series; which was a
particular area of focus for the year.
A success that should be mentioned was the implementation the Understanding Serious Injury
8-day program which was piloted in GTA November 2011. The pilot program had the participation
of 24 attendees who provided valuable feedback that was incorporated for the official launch
of the program this past April-May 2012. The next offering is tentatively scheduled for later this
fall in the GTA. The implementation of this program involved the hard work and dedication of an
extensive list of volunteers and staff members. The team is now working on creating a detailed
manual outlining the step by step processes with the purpose of simplifying facilitation at other
chapter locations. Considerable focus and effort was put forth during this review period on
creating new seminars, specifically with the PROedge series requiring extensive time commitment.
It is important to note that the SABS sessions offered in the previous year attracted 333 of the 857
attendees. The GTA seminar program also delivered to the objective of increasing the number of
road shows coordinated for Ontario with seven seminars being offered at locations outside of GTA.
In addition, they were successful in bringing the Insurance Fundamentals seminar and Effective
Business Writing in-house at company locations.
CAREER CONNECTIONS
There are currently 124 Ambassadors in the GTA area and more are anticipated with the late
summer/early fall training sessions. To date GTA has participated in 112 classroom presentations
and attended the following for the post-secondary calendar: 48 General Career Fairs, 31 insurance
specific events and 13 business specific events. In order to wrap up the year and show our appreciation
for ambassadors, a “Toast our Success” event is scheduled for June 20th at the National Club.
SPECIAL EVENTS
‘At the Forefront’ Spring Breakfast
The spring 2011 “At the forefront” breakfast was held on Thursday, May 12, 2011. Sylvie Paquette,
President and COO, Desjardins General Insurance Group was the speaker at the event. Sylvie spoke to
“Direct Insurance: An Idea Whose Time Has Come”. The event sold out in record timing with 108 paid
attendees. Many attendees remained after the event to speak with Sylvie one on one.
John E. Lowes Breakfast Seminar
The John E. Lowes Breakfast took place on the morning of October 26th, 2011. The speaker for the
event was former Toronto Mayor, David Miller, who spoke on “We Can Fight Climate Change and
Create Jobs – Here’s How”. The breakfast was a success with 102 people in attendance including all
four of this year’s Lowes Fund recipients. Three scholarships were awarded to Ontario colleges
including 2 for Conestoga and 1 for Mohawk. In addition 1 scholarship was awarded to a student of
Wilfred Laurier.
‘At the Forefront’ Fall Breakfast
The fall 2011 “At the forefront” breakfast took place on Wednesday, November 30th. David A.
Crozier, Senior Vice President, Operations at The Economical Insurance Group talked to “Forging
A New Path in P&C: Demutualization”. The event had 97 in attendance and generated a surplus of
$3,405. Strategic Resource Consultants continued their support by sponsoring the event with a
donation of $1,000.
Convocation & Awards Night
The Toronto Convocation & Awards Night took place on January 26, 2012 at the Metro Toronto
Convention Centre. Craig Kielburger was the guest speaker for the event and gave an excellent,
motivational and inspirational presentation. The number of CIP and FCIP graduates was similar to
the previous year, with 208 graduates attending and approximately 550 guests for a total of 758 paid
registrations. Feedback from all in attendance was that this year’s convocation event in particular was
exceptional.
14 Insurance Institute of Ontario

Academic
Committee Report
Continued
At the Forefront Spring 2012 Breakfast
The spring 2012 “At the forefront” breakfast was held on Wednesday, May 23, 2012. Louis Gagnon,
President & COO of Intact Financial Corporation, was the speaker at the event. Louis spoke to
“Building a world-class Canadian P&C Insurer”. The event had strong attendance with 98 paid
registrations. Strategic Resource Consultants continued their support by sponsoring the event with a
donation of $1,000.
Respectfully submitted,
Wendy Hayden, BA, FCIP, CRM
Chair, Academic Division
2011 – 2012 Annual Report 15

Professionals’
Committee Report
Heather Masterson, FCIP
This report highlights the activities of the CIP Society—Ontario to date.
Membership
The national CIP Society membership is at 16, 326 as of May 31, 2012. Ontario continues to lead
membership and presently reflects 48.6% of the total membership with 7,939 members compared to
7,894 members for the previous year. Below is a breakdown of the Ontario membership by Chapter
“GTA offered eleven
PROedge seminars
attracting 272
attendees in total
during the period of
April 2011 – March
2012, a significant
increase in activity
and participation
compared to the
previous year.”
Chapter May 31, 2011 May 31, 2012
Toronto 4,231 4,158
Southwestern 760 761
Ottawa 602 614
Conestoga 976 1,015
Hamilton/Niagara 730 736
Kawartha 381 449
Cambrian Shield 214 206
Miscellaneous 0 0
Total 7,894 7,939
PROedge Seminars and CIP Society Networking Events in Ontario
The following summary highlights some of the PROedge seminars and CIP Society Networking
events offered throughout Ontario Chapters for the fiscal year 2011-2012..
GTA
GTA offered eleven PROedge seminars attracting 272 attendees in total during the period of April
2011 – March 2012, a significant increase in activity and participation compared to the previous
year. Considerable focus and effort was put forth during this review period as a high percentage of
seminars offered were newly created. Seminars to note for this period were “Emerging Liability Issues”
with Valerie Sheehy, attracting 36 attendees, “The Industry Trends Breakfast” with Philip Cook, CEO,
Omega Insurance Holdings Inc. with record attendance at 82 and “Nuclear Insurance” with Colleen De
Merchant attracting 30 attendees. Two PROedge seminars have been offered to date in the 2012/2013
fiscal year attracting 37 attendees.
The GTA CIP Society held its annual Symposium on April 6th at the Toronto Board of Trade. The
event was an overwhelming success with 170 paid attendees and the day included 14 seminar
presenters. It featured two keynote speakers; Alan Deutschman, Leadership and Change Expert and
Charles Brindamour, President & CEO, Intact Financial Corporation. The event was concluded with an
industry leader panel consisting of John Chippindale, Shawn DeSantis, Sharon Ludlow, Karen Barkley,
Lynn Oldfield and Susan Meltzer as moderator. The event made a surplus of approximately $42, 900,
which came in well over plan.
The FCIP Golf tournament took place at Clublinks’ Wyndance location on September 13th, 2011. The
event was sold out with 148 golfers and sponsorship budget was exceeded by approximately $650.
A total of $3,500 was raised at the tournament in support of the John E. Lowes Fund.
The venue for the wine and cheese event was held at Great Cooks on Eight, a restaurant overlooking
Nathan Philips Square and Queen’s Park. Guests watched as one of the chefs demonstrated preparation
techniques for spring rolls, one of the hors d’oeuvres served that evening. The response was good with
85 in attendance. Sponsorship was provided by Giffin Koerth, Winmar Guelph / Orangeville, SCM and
Caskanette Udall Consulting Engineers. The event was a success and generated a surplus of $4,500.
16 Insurance Institute of Ontario

Professionals’
Committee Report
Continued
This year the Fellow’s Reception took place on February 9th, 2012. Two Fellow of Distinction recipients
were recognized this year, Carol Jardine and Michael Boyce. The event was attended by 85 members,
15 of which were new FCIPs. A surplus of approximately $1160 was made on this event.
The CIP Curling Bonspiel was held at the Tam Heather Curling Club in Scarborough on February 29th
to coincide with the Insurance Institute’s Education Week. The event was a sold out success with 64
attendees. The event brought in a surplus of $1500.
In the new fiscal year the GTA CIP Society held its eighth annual Symposium on April 26th 2012.
The event was a success with 113 paid attendees. The day included 25 seminar presenters, and
over 10 volunteers. The one day forum featured two keynote speakers; Glenn Foster, Author, The
Kinesic Interview Technique and Fabian Richenberger, President, Northbridge Insurance. The day was
concluded with the University of Toronto’s Hart House Debating Club. The event made a surplus of
approximately $29,000 well ahead of the planned $16, 600 budget.
Ottawa Chapter
During this reporting period the Ottawa chapter hosted three PROedge seminars and two luncheons
attracting 130 attendees. This program saw a significant increase of 37% in registrations.
“There are currently
212 trained Institute
Ambassadors
supporting
Ontario including
22 newly trained
representatives. The
Ontario chapters
have participated in
71 career events at
secondary and postsecondary
schools
and have attended
97 classroom
presentations at
a secondary level
during this report
period.”
The Ottawa chapter’s 14th Annual CIP Golf Tournament took place on September 9th with 70
registered golfers.
Hamilton/Niagara Chapter
The Hamilton/Niagara chapter hosted four PROedge seminars during the 2011-2012 period. A total
of 147 attendees participated in the chapter’s PROedge activities.
In August, the Hamilton/Niagara chapter hosted its 7th Annual Beach Volleyball Tournament with
16 teams competing.
The chapter’s CIP Society awarded a scholarship to a Mohawk student who is completing the insurance
diploma program. In addition a contribution was made to the John E. Lowes Scholarship fund.
Southwestern Chapter
During this reporting period the Southwestern chapter hosted four PROedge seminars and one
speaker’s breakfast attracting 155 attendees.
The chapter held its annual CIP Society golf tournament at Pine Knot Golf & Country Club in
September with 135 participants. They also successfully hosted their annual Indoor Volleyball
tournament which was filled to capacity with 16 teams.
Conestoga Chapter
The Conestoga chapter offered three CIP Society PROedge seminars this year with a total attendance
of 45 up from 33 the previous year. With the surplus generated from the seminars the chapter ran a
two week radio advertising campaign using three local radio stations.
Career Connections
There are currently 212 trained Institute Ambassadors supporting Ontario including 22 newly trained
representatives. The Ontario chapters have participated in 71 career events at secondary and postsecondary
schools and have attended 97 classroom presentations at a secondary level during this
report period. In addition several chapters participated in “Feed the Minds of Youth” on November
2nd, 2011 by hosting a breakfast or lunch event in which grade nine students and their parents
came together for a presentation about insurance in general, and about careers in the industry.
Respectfully submitted,
Heather Masterson, FCIP
Vice President, Professionals’ Division
2011 – 2012 Annual Report 17

Regional
Committee Report
Monica Kuzyk, FCIP, CRM,
The purpose of this report is to highlight some of the regional activities during the 2011/2012
fiscal year. The overall financial results have been excellent which is a reflection of the high levels of
local activity. A record high number of memberships will mean that a focus of the chapters for the
2012/2013 is to ensure retention and to sustain the positive activity levels.
CIP Classes
Financially the CIP program ended the year at 30% over planned revenue with expenses
successfully held to a 26% increase. These results were strongly fueled by greater than expected
attendance in Kawartha/Durham through the success of their weekend warrior classes, Conestoga
and GTA’s virtual offerings and the use of the Back on Track program by the Southwestern Chapter.
“Ontario has had
quite a bit of success
using a road show
concept which is
the opportunity
for our members
to attend the same
great seminar in
the location of their
choice.”
As previously reported, the virtual distribution method continues to grow. In GTA, there was an
18% increase in the spring semester, over the same semester last year. Conestoga class registration
is up 26% over last year, which is due partially to the virtual classes, but also their popular weekend
warrior format. Approximately 20% of the students attending the virtual classes are dialing in from
outside of the local chapter range.
Southwestern had half of their Back on Track Program students be successful, which is certainly
significant enough to continue to offer this grassroots initiatives to repatriate the “lost” students.
There has been considerable interest in this program from around the country and its viability is
being explored in several locations.
Ottawa had a significant year with a 21% increase in total registrants, with a clear move towards
classes held at the stakeholder’s location. Hamilton/Niagara has also been varying their class
locations and met their annual plan. Cambrian Shield continues managing their geographical
challenges with a strong focus on the virtual distribution option.
Face to face communication with local stakeholder offices has resulted in courses being offered in
new locations, such as Thessalon, Owen Sound and Brantford.
Seminars
Ontario has had quite a bit of success using a road show concept which is the opportunity for our
members to attend the same great seminar in the location of their choice. When all chapters come
together we are better able to provide choices that work with the busy lifestyle of the industry
professionals. Insurance Fundamentals, Advanced Construction, and Flood and Learn were all run
in multiple locations
Cambrian Shield uses this method to handle their vast geographical diversity and this year they
presented “Canadian Construction Documents Committee’ and “Cross Generational Customers.”
The result has been new high in seminar attendance. The Cambrian Shield members now know
they can count on our road shows in the spring and fall, and assist with submitting potential topics.
Some areas of the province have been focusing on the revitalization of their seminar program and
am happy to say that both Southwestern Ontario and Hamilton/Niagara achieved their plan this
year. Some of the tactics that were employed were; partnering with other associations, adjusting
time slots and format, and surveying their members both through e-mail communication and
personally during the Customer Relationship Managers Visits.
Ottawa and Conestoga both experienced a blip in seminar activity this year. In Ottawa the slightly
lower numbers were expected and planned for. Conestoga is managing their program by reaching
18 Insurance Institute of Ontario

Regional
Committee Report
Continued
out to the smaller areas of the chapter and with the assistance of the Customer Relationship
Manager offered two successful seminars in Owen Sound. Kawartha Durham has been able to
grow their overall attendance at each event despite having to cancel one seminar.
GTA finished the year on plan for both their Success Series and Proedge Seminars. This is a
significant accomplishment considering their intense involvement in both the pilot and then
the launch of the “Understanding Serious Injury Program: Training and Education for Adjusters”
program. This eight day certificate program as been developed to address training gaps that were
identified as a result of the most recent legislative changes in Ontario. The program is scheduled to
be offered 5 times in various locations in 2012/2013 and we are extremely grateful for the support
and partnership of the Ontario Insurance Adjusters Association.
Licensing Courses continue to be offered across the province at all levels in every location except
the GTA. Numbers of registrants are down slightly which we are told is in line with the flat growth
in the broker community. In contrast to that our other than Life (OTL) examination function
continues to grow as the direct writer companies have continued development.
Events
The Chapters of the IIO and the GTA are always looking for ways to support and provide
networking opportunities for our members. These events take many forms and we continue to
listen to the ideas put forward by our members to keep it fun and fruitful.
“Speaker’s events
were held in GTA,
(At the Forefront)
Southwestern,
Hamilton/Niagara,
Conestoga and
Ottawa. We are
pleased to note that
while each presents
a varied topic and
format, they are all
well attended”
For example volleyball has great success in Hamilton/Niagara and Southwestern and so this is being
planned for Kawartha/Durham in the upcoming year. The ever popular golf happens in GTA, Ottawa,
and Southwestern. Curling is showing a surge with GTA hosting their regular event and Conestoga
partnering with both the Insurance Brokers Association of Waterloo and the KW Ontario Insurance
Adjusters Association OIAA. Cambrian Shield expanded their curling to two locations instead of one.
GTA’s Wine and Cheese event had the largest attendance yet with 85 guests, and their annual
Fellows night honored not one, but two worthy candidates with their Fellow of Distinction award.
In Hamilton/Niagara they held a special wine and cheese event to celebrate their local leadership
award winner Glen Gibson.
Speaker’s events were held in GTA, (At the Forefront) Southwestern, Hamilton/Niagara, Conestoga
and Ottawa. We are pleased to note that while each presents a varied topic and format, they are all
well attended and received. Many of our industry professionals are volunteering to participate in
these events.
GTA also held the annual fundraising breakfast for John E. Lowes and presented scholarships. Three
scholarships were awarded to Ontario colleges including 2 for Conestoga and 1 for Mohawk and 1
scholarship was awarded to a student of Wilfred Laurier University. The continued support of this fund
is key and we have experienced significant growth from the local’s chapters this year. Thank you to
those who are participating in keeping this fund rejuvenated so that scholarships can continue.
National Education Week
The IIO participated in the 4th annual N.E.W. with the provincial wide essay contest, coffee calls and
the expanded version, “information sessions”, Several of the chapters are looking to repeat these
types of local visits at the end of the summer to inform potential students about our fall programs.
Convocations
Our premier event is still our annual convocations that occur across the province. Ottawa and
Southwestern hold their celebrations in November each year and Cambrian Shield takes the
celebration to their grads with a series of dinners. Craig Keilberger from Free the Children was the
guest speaker for GTA in February. Across Ontario 1500 people in 7 locations celebrated the CIP
and FCIP designations this year.
Marketing and Relationship Management
Communication to our members has had a great transition over this fiscal year. The local chapters
are relying more heavily on the weekly e-blast for a harmonized approach to communicating to
2011 – 2012 Annual Report 19

Regional
Committee Report
Continued
our members. Local templates compliment the general Ontario communication and are used by
each chapter to highlight a specific item of interest to members in their area. Individual chapter
newsletters and the In Ontario continue to be of vast importance when connecting to our
members in a way that they would like to be communicated to.
The Customer Relationship Managers have analyzed, presented to, established the need of
and communicated our products to, many of our members over the year. One of our team,
Robert Munford has taken a new position in the programs area of the IIC and so we are pleased
to welcome Michelle Jennings to the IIO in the role of Customer Relationship Manager. The
Kawartha/Durham Chapter is now receiving staff support through the GTA Chapter Coordinator,
GTA Manager and Senior Director.
Respectfully submitted,
Monica Kuzyk, FCIP, CRM
Vice President, Regional Division.
20 Insurance Institute of Ontario

Cambrian Shield
Chapter Report
Cathy Turcotte, CIP
COMMITTEE ACTIVITIES
Education
Across the region, the CIP program has maintained a low, but steady trend of activity – usually a class
runs in the fall and winter semesters in Sudbury. Two courses were planned this year with a target of 12
students. Our fall course in Sudbury ran with 8 students. Unfortunately, after surveying the students for
the winter term, no discernable consensus was found for a winter term class in Sudbury.
The program was supplemented this year by three unplanned in class courses that were run in
Thessalon for a group of employees at Algoma Mutual Insurance. A total of 21 students were
registered over these three classes.
For those communities where it has not been possible to run an in-class course, members are made
aware of the virtual classes each semester running across the province.
“In a good year for
the seminar program,
the Chapter met the
annual activity plan.
Originally, seven
half-day seminars
and two licensing
courses were planned,
targeting a total of
111 attendees. We
successfully ran all
seven seminars and
two licensing courses
with a total of 124
attendees.”
Seminars
In a good year for the seminar program, the Chapter met the annual activity plan. Originally, 7 half day
seminars and 2 licensing courses were planned, targeting a total of 111 attendees. We successfully
ran all 7 seminars and 2 licensing courses with a total of 124 attendees. Each event averaged 12
participants, so we are confident a large percentage of our membership was actively engaged with the
Chapter this year.
In the spring, we were very pleased to offer a “Cross Generational Customers” session in two locations
and as a webinar for 2 more locations in May. We also offered sessions on “Canadian Construction
Documents Committee - CCDC’ in September in Sudbury and North Bay and reprised this session for
Thunder Bay in November.
The two licensing courses saw a slight decrease in registrations, for a total of 17 students, compared to
18 the previous year. The course has a great reputation, and gives our Chapter the opportunity to build
lasting relationships with the successful students.
Seminar expenses were lower than budget despite continuing to have presenters that require travel
expense fees. We were able to control expenses by negotiating better venue pricing.
Finance
At the end of the fiscal year, the Chapter held a surplus of $8,920. The CIP program had a surplus of $2,519.
The Seminar program was successful in terms of activity, which brought in $30,595 in revenue. We were
also able to control expenses somewhat, to a total of $25,358, despite having used more presenters with
travel costs. This resulted in a $5,237 surplus for the program. Other Revenue and Expenses were slightly
behind budget, mostly due to a slightly lower attendance for the North Bay bonspiel event than budget.
Convocation
We had an exciting and challenging year in hosting graduation ceremonies – for the graduate in Sault
Ste Marie, three representatives from council arranged a dinner, which colleagues and friends came out
to support.
2011 – 2012 Annual Report 21

Cambrian Shield
Chapter Report
Continued
In Sudbury, we held a luncheon where four more of our graduates were invited. Unfortunately only one
of the four graduates were able to attend with a few members of our council there to help celebrate
her accomplishments.
Looking ahead to next year, we are fortunate to have at least 7 graduates for the upcoming convocation
year. This represents the Chapter’s largest graduating class in quite some time and should allow us to
hold a bigger event than in previous years.
Career Connections
Ambassadors from our Chapter attended the Nippising University career fair in February hosting a booth
on behalf of the Institute. The turn-out for this session was reported to be very good and our booth
location was quite prominent.
“The Chapter is also
working with the IIC
to plan a strategy
for both career fairs
and class room
presentations for the
next year.”
The Chapter is also working with the IIC to plan a strategy for both career fairs and class room
presentations for the next year.
Special Events
In October, we held our 8th Annual Bonspiel in North Bay. We had slightly fewer curlers this year, with
77 attendees, which still represented a significant success for the Chapter. In April, we also held our first
ever Curling Bonspiel in Sudbury. We had 71 attendees for this event and it too represented a great
success for the Chapter.
Membership
At the end of the fiscal year, the Chapter had 447 paid members. At the same time last year we had
432 members. We are currently ahead of our membership year end total of 432 from May 31, 2011. Our
Chapter total includes 205 CIP Society members.
Respectfully submitted,
Cathy Turcotte, CIP
Chapter Chair
22 Insurance Institute of Ontario

Conestoga
Chapter Report
Brent Hackett, FCIP, CIOP, EGA
Our 44th year of operation saw us surpassing many milestones. It was a record breaking year for
membership growth, revenue growth and surplus returned to Ontario.
This year we moved to new premises with three classrooms, an office, reception area and kitchenette.
Our members have complimented us on our new site and appreciate the available ample free parking.
EDUCATION
“Our basic licensing
program continues
to produce excellent
results for our
attendees with many
sessions seeing over
a 90% pass rate.”
We held 58 courses over the spring, fall and winter semesters with 770 students participating in the
program up from 693 last year. We held courses at The Co-operators in Guelph, OMIA in Cambridge,
Crawford & Company Inc. in Kitchener, The Economical Insurance Group in Waterloo, Gore Mutual in
Cambridge, OTIP/RAEO in Waterloo, and at the Chapter Office. The success of our weekend, virtual
and at company courses under scores the importance of addressing the changing needs of our adult
learners. While evening college courses are no longer running, our commitment to our local Business
of Insurance full time program at Conestoga College remains strong. The Conestoga Chapter is
represented on the Advisory Board of this program and we will continue to look for ways to build
relationships between the Institute and the College. This is an important relationship as we continue
to look for ways to attract and retain talent within our insurance industry.
We appreciate and highly value the many local insurance professionals who are willing to serve as
instructors for our courses. We are also very grateful for the many others who volunteer to proctor exams.
Special thanks to Jennifer Leslie, Susan O’Neill and Lois Robinson at The Co-operators, Paula Culbert
at Trillium Mutual, Christine Senior and Susan Baker at OMIA, Christine Evans and Shelley Sutton at
OTIP/RAEO, Katharina Fletcher at The Economical Insurance Group, Catherine LeClair at Gore Mutual,
Kevin Williamson at Belfor Restorations and Jennifer Virley at Crawford who co-ordinate the courses
and/or exams at their facilities. Special thanks as well to The Co-operators, Belfor Restorations, The
Economical Insurance Group and Trillium Mutual who provide our off site exam centers.
SEMINARS
Over this past year we have held 24 seminars including basic licensing courses, advanced licensing
courses, full-day and half-day seminars. This was up from 18 last year. Overall we had 257 attendees at
our seminar programs down from 328 the prior year. Our basic licensing program continues to produce
excellent results for our attendees with many sessions seeing over a 90% pass rate.
We have made a concerted effort to offer seminars outside of KW and we are pleased to advise that
on April 26, 2011 we successfully held a seminar, “Influencing Difficult People” in Owen Sound. We
further successfully held Building A Higher Performance Team in September. Through his efforts
Peter Hood, canvassed local firms to determine their needs and how we could help. The turnout was
very good and the feedback was excellent. We will continue to look for opportunities to expand our
offerings to the entire membership of the Conestoga Chapter in the year ahead.
CIP Society
We had 3 seminars this year, specifically targeted to the CIP members. Total attendance was 45 up
from the 33 attendees we had last year.
FINANCE
On a financial level this has been a very strong year for the chapter. We generated a significant surplus
in excess of $120,000. We are very fortunate to have as our Treasurer Richard Reiner, CA., CIP. Despite
his busy schedule, Richard provides invaluable assistance to our chapter.
2011 – 2012 Annual Report 23

Conestoga
Chapter Report
Continued
CONVOCATION
Our Awards Luncheon was held Thursday February 23, 2012 at the Waterloo Inn in Waterloo. The
leaders of the local Adjuster and Broker Associations were in attendance at the Convocation. These
leaders spoke about the positive impact of the CIP designation in their careers and encouraged
the students to commit to life long learning. Two hundred and eighty attendees were on hand to
celebrate the achievements of our graduates and award winners. Our thanks to our special guests,
Paul Martin, CIP, President of IIO and Peter Hohman, MBA, FCIP, ICD.D, President & CEO of IIC, for
attending our ceremonies.
CAREER CONNECTIONS
“We are very
pleased to report
membership is up
yet again. Chapter
membership grew
6.7% to a total of
2402 members.”
Our Ambassadors were very busy over the last year. We had representation at a number of elementary
school presentations and one elementary school career fair. We had representations at several
secondary school presentations and two secondary school career fairs. Over 4000 elementary and
secondary school students were in attendance at these events.
We also attended career fairs and classroom presentations at the post secondary level. Approximately
2000 students attended these events. In November we participated in the Feed the Minds of Youth
campaign The event was the first held at our new office. Chris Hill of Erb and Erb and Peter Barlow
of The Economical Insurance Group not only shared their career journeys but helped the student
experience first hand what brokers, underwriters and adjusters do on the job. We had 8 students and
7 parents join us for the event..
SPECIAL EVENTS
Our speakers’ luncheon, held on November 16, 2011 was a success. The speakers: Bob Tisdale and
Glenn McGillivray, drew a crowd of just under 100 to hear them talk about the Impact of Technology
and a Flood Insurance Plan for Canadians.
In March, the Conestoga Chapter in partnership with the KW Ontario Insurance Adjusters Association
and the Insurance Brokers Association of Waterloo hosted a fundraising bonspiel at the Westmount
Golf and Curling Club. The bonspiel sold out and over $3000 was raised for the United Way.
Our annual general meeting is scheduled for June 27, 2012.
MEMBERSHIP
We are very pleased to report that chapter membership grew 6.7% to a total of 2402 members.
COMMUNICATIONS
In the spring we completed a successful subscription campaign during which we raised over
$11,000 in donations from 32 local companies.
CIP SOCIETY
We again ran a two-page co-op ad feature in the KW Record to recognize our program graduates.
With the surplus generated from our seminars we ran a two week radio advertising campaign using
three local radio stations.
GENERAL
We just finished another very productive term. None of this would be possible except for the
exceptionally dedicated insurance professionals that serve on our board. Many thanks to: Heidi Sevcik,
Christine Fizell, Richard Reiner, Monica Kuzyk, Kyle Urech, Lisa Wetzler, Julie Manske , Melanie D’Amico,
Bob Foster, and Sonny D’Agostino for all their hard work over the past year.
Respectfully submitted,
Brent Hackett, FCIP, CIOP, EGA
Chapter Chair
24 Insurance Institute of Ontario

Hamilton/Niagara
Chapter Report
Pino DiTullio, CIP, CRM
As I complete my term as chairperson of the Hamilton/Niagara Chapter, I would like to express
appreciation to the members, council, staff of the local chapter and the Institute in Toronto. With
everyone’s support, my experience on council has been wonderful.
The opportunities I have had (through the Institute) over the past two years have allowed
me to meet individuals from all sides of our industry. Folks I may never have crossed paths
with. I encourage every member to become involved with their local chapters. The volunteer
opportunities are endless! At this time, our chapter has 1758 members. I’d like to see more of these
members involved.
COMMITTEE ACTIVITIES
Education
“It is with extreme
excitement that
I report on the
Hamilton/Niagara
Chapter seminar
activity for the
past fiscal year.
During this term, we
successfully hosted
nine seminars. Once
again, we offered
a variety of topics
offering training to
all avenues of our
industry.”
The local chapter hosted 28 CIP classes (total 324 students). Our chapter is pleased with the
activity within the CIP Academic area. This number includes 76 students who registered for C11
—Principles & Practices of Insurance – the future of our program! Classes were held at the chapter
and at numerous industry offices (Aviva, Portage Mutual, TD, Hope and Harder Insurance Brokers,
Brant Mutual and State Farm). We appreciate the support we have received from our industry with
respect to hosting classes outside of our chapter location. We also appreciate the support we have
received from our team of instructors. We have a very diverse group of instructors all well trained
and ready to share their knowledge.
.
During the 2011-12 term, some national examinations had to be held a various locations due to
construction at Mohawk college. We wish to thank our students for their patience during this time.
Now that construction is completed, the exams have returned to Mohawk College. The facilities are
reasonably priced and accessible for all students. The chapter continues to see over 450 students
writing each term. In Niagara, we have used the board room at “Bertie & Clinton Mutual”.
We thank the various examination monitors for donating their time during exams. As a graduate, if
you are interested in monitoring, please contact our chapter office. It is much more fun being on
the “other side” of the desk!
CIP Society – Professional Seminars
Our chapter hosted four (4) seminar events under the “Pro-Edge” title during the 2011-2012 term.
A speaker’s luncheon in Niagara was hosted in May with Mr. George Cooke updating Niagara
industry professionals. In December, Mr. Bob Tisdale stressed the industry’s side of “drinking and
driving” (held in conjunction with MADD). 147 people participated in the “Pro-Edge” series.
Academic - Seminars
It is with extreme excitement that I report on the Hamilton/Niagara Chapter seminar activity for
the past fiscal year. During this term, we successfully hosted nine (9) seminars. Once again, we
offered a variety of topics offering training to all avenues of our industry. Seminars were hosted in
Hamilton and in Niagara.
Again this year, we partnered with the OIAA Niagara Chapters to host joint a successful seminar.
The event this year, “Are you Smarter than a Fraud Artist” attracted 30 people.
If you attended (or sent a staff member) to a seminar this year, thank you! We look forward to
seeing you again this year!
2011 – 2012 Annual Report 25

Hamilton/Niagara
Chapter Report
Continued
Finances
The Hamilton/Niagara Chapter is pleased with the financial results for the 2010-2011 term. We are
pleased to return an excess of $59,398 ($55,131.00 – Academic and $4,267.00 – CIP Society) to the
Institute of Ontario. This amount is approximately $22,398.00 over our original budget!
Thank you to Tom Corner, our chapter Treasurer who worked very closely with our manager, Dawn
on this success.
For a full report of the financials, please see the financial reports. If anyone should wish a further
explanation, please feel free to speak with our manager.
Convocation
“Our relationship
with Mohawk
College continues to
grow. The chapter
is pleased to work
with the college
and is proving to
be a benefit to the
insurance industry.”
Our 32nd Annual Awards dinner & Trade Show was hosted on Thursday, February 16th, 2012 at
Michelangelo’s Banquet Centre. At the dinner, we celebrated the achievements of 35 CIP and 9
FCIP graduates. 128 people were in attendance including Peter Hohman, Dawna Matton and IIO
President Mr. Paul Martin.
Special awards included:
Economical Award – Top Graduating CIP – Brian Greaves
Crawford Adjusters Canada Award – Runner up to Top CIP – Sindy Houle
OIAA Hamilton Award – Top Fellow Graduate – Jeff McClymont
David McLauchlan Memorial Award – Dan Lawrie
Clannad Award – Christine Lanigan
Career Connections
During the 2011-2012 term our chapter continued to reach out to school boards and made a
number of presentations and attended numerous career fairs. Thank you to our volunteers.
Our chapter participated in the National “Feed the Minds of Youth” event in November with over
26 individuals attending. The chapter also made arrangements for “lunch boxes” of this program
to be distributed to a number of offices. This event is now known in our area and employers look
forward to including it as a part of their “Take our Kids to Work” adventure. Thank you to our guest
speakers; Alyson Harper, Matt Lowry and Carlotta Bown.
CIP Society - Social
In August, our chapter hosted our 7th Annual Beach Volleyball Tournament. The tournament is
unique to our area and continues to be a huge success. This year 16 teams competed (112 people)
in two (2) divisions (competitive and recreational). The afternoon saw industry camaraderie, team
challenges and some great playing.
The chapter’s CIP Society continued with a scholarship at Mohawk College. The scholarship is
presented to an individual who is completing the insurance diploma program at the Mohawk
College. At various events, a 50/50 draw was hosted to raise funds. Congratulations to Mr. Brandon
Pomfret the recipient of the award. We wish Brandon much success with his new career.
A donation was also made to the John E. Lowes Scholarship Fund.
Miscellaneous
The Hamilton/Niagara Chapter was very pleased to have “Established Leader Award” presented to
our local member – Mr. Glenn Gibson. To acknowledge Mr. Gibson’s award, a “by invitation” event
was hosted at Ridge Road Estate Winery on Wednesday, February 29th. At this event, industry friends
and family celebrated Mr. Gibson’s achievements. Congratulations Glenn – you’ve made us proud.
Our relationship with Mohawk College continues to grow. The chapter is pleased to work with
the college and is proving to be a benefit to the insurance industry. Many students graduating
from the College have also completed numerous CIP credits. We continue to be very proud of the
relationship that has been created between the College and the Chapter.
26 Insurance Institute of Ontario

Hamilton/Niagara
Chapter Report
Continued
“With the success
of our CIP Society
program, funds
were provided for
an advertising
program. Four full
page advertisements
promoting the CIP
designation were
placed in local
business magazines
and the newspaper.”
The local chapter office is constantly busy with activity. The office is a designated RIBO examination
centre and Alberta licencing centre with exams being offered on a regular basis. Many local
industry organizations also rent our facilities for a variety of activities.
Our subscription campaign was a success with over $7,488 generated from our subscription
campaign. Thank you to our industry supporters.
Our chapter was pleased to participate in the National Education Week hosted by the Institute.
During this week, our chapter hosted “RIBO, Level 2 Management Course”. The opportunity to offer
this course outside of GTA was well accepted with an amazing 100% pass ratio. A number of visits
to various offices promoting the Insurance Institute’s programs were also made.
With the success of our CIP Society program, funds were provided for an advertising program. Four
full page advertisements promoting the CIP designation were placed in local business magazines
and the newspaper.
The Insurance Institute is involved in a wide range of activities. When I joined the council in
Hamilton, I had no idea all the avenues the Institute is involved with. The past two years have been
wonderful learning experience for me. Most recently, we have seen harmonization throughout the
province of Ontario with the Institute. This has allowed us to take a more holistic view of our work
at the Institute. As I step down as chair, I welcome Michelle Snowdon to this position. Her spirit will
definitely take our chapter to the next level. I also wish all Institute members much success with
their career. My final word... ”get involved”.
Respectfully submitted,
Pino DiTullio, CIP, CRM
Chapter Chair
2011 – 2012 Annual Report 27

Kawartha/Durham
Chapter Report
Jackie Murison, CIP
COMMITTEE ACTIVITIES
Education
The Kawartha/Durham Chapter experienced a very strong year in terms of CIP registrations,
beyond the expectations of both council and budget.
We had planned to run 8 classes with an average of 13 students in each, for a total of 104. The
spring semester began with only 2 courses running, with a total of 23 students. This was followed
by a great response in the fall with 3 classes totaling 54 students and winter semester, with 4
classes running and a total of 71 students. Overall, we offered 11 courses, 9 ran with a total of 148
students.
“CIP program
revenue of $56,509
created a very
healthy surplus of
$11,986 and was
ahead of previous
YTD which was not
expected because
last year was also a
banner year.”
This success can be pinpointed to three key factors – firstly, the continuing popularity of our
“Weekend Warrior” offerings – once again we ran one each semester, with an average of 20
students in each class. The individual instructor leading the courses has to take a significant
portion of the credit, as our Chapter Manager continues to receive specific requests for her to
return to the Chapter.
The second factor was the number of new hires at Intact Insurance in Ajax. The large Intact office
has been at the core of our Durham region success for a number of years, and they contributed
significantly to a C11 class with 24 students which is good news that so many students are
starting their CIP. In addition, their more experienced staff members continued to register in other
course offerings.
Thirdly, increased marketing efforts and subsequent awareness of course offerings can be
credited with having an impact – we have students traveling to weekend warrior courses from all
corners of the Chapter.
Seminars - Academic
The plan was to run 6 events and 5 ended up running. The June “Flood & Learn” workshop had
20 registrations and 28 attended the Belleville full day seminar “Products and Premises Liability” in
November. In the new year we hosted 21 people for the “Advanced Construction” half day seminar
and then 32 registered for our seminar “Digital Dirt – What the Internet Says About You” that we ran
in conjunction with our Convocation in February. Unfortunately we had to cancel the “Insurance
Fundamentals” seminar scheduled for March during National Education Week. Of the 4 seminars
that ran we had a great attendance with an average of 25 people per session.
Our licensing program has also experienced a decrease in attendance and demand. We offered if
twice but only one session ran. 10 people attended the session in January. It has proved a struggle
to ensure these courses break even, so going forward, unless the demand increases, we will only
offer this course once a year.
Overall, the SEP plan was to cater for 90 attendees during the year, and the actual total was 111.
Even though we didn’t meet budget for activity, we certainly met it for attendees.
Finances
By the end of the fiscal year, the Chapter produced a healthy surplus of $12,660, ahead of budget
by $6,000.
28 Insurance Institute of Ontario

Kawartha
Chapter Report
Continued
CIP program revenue of $56,509 created a very healthy surplus of $11,986 and was ahead of
previous YTD which was not expected because last year was also a banner year. Expenses of
$44,523 are similarly ahead of budget, but logical considering the increased textbooks fees and
room rental for weekend warrior courses.
Seminar revenue totaled $18,391, which is slightly above the $16,550 budgeted amount, but
below prior YTD numbers. Expenses of $14,024 were well ahead of the budgeted $12,350. Despite
the inconsistent year, the program still produced a small surplus.
With convocation attendance at a record high because the amount of grads was so high, and
with the introduction of the sponsorship opportunities, revenue of $3,865 we surpasses last year’s
revenue of $1,310 and budget of $1,900. Also having a top of mind seminar topic the same day
was a big draw.
“Our annual awards
luncheon took place
on February 3 at the
Ajax Convention.
We had 29 CIP and
five FCIP graduates
—one of our largest
graduating classes in
this region.”
Convocation
Our annual awards luncheon took place on February 3 at the Ajax Convention. We had 29 CIP and
5 FCIP graduates – one of our largest graduating classes in this region. In total 89 people attended
the convocation compared to a planned budget of 50. Ron Bouwmeister, FCIP, from Farmers’ Mutual
(Lindsay) was our luncheon speaker. Ron was one of the CIP Society’s National Leadership Award
winners in 2010, and spoke on the importance of leadership and professionalism in insurance, and
inspired the graduates to continue with more studies and to become a mentor or volunteer.
We introduced a sponsorship campaign for convocation this year. Local companies have the option
of sponsoring the cost of their graduate to attend, or to sponsor an entire table. We ended up with
1 table sponsor and 5 graduate sponsors.
Membership
At the end of the year the Chapter had 1,028 paid members compared to 719 this time last year -
an increase of 309 members!. We have 440 CIP Society members.
Our membership growth can be attributed to three combined factors: territory realignment,
increased CRM presence in the Chapter, and an increase in students starting the CIP.
Career Connections
Our chapter is pleased to have two trained Ambassadors to represent the Insurance Institute at
high school or college events.
Respectfully submitted,
Jackie Murison, CIP
Chapter Chair
2011 – 2012 Annual Report 29

Ottawa
Chapter Report
W. Robert Norman, CIP
COMMITTEE ACTIVITIES
Education
Growth in our evening class program continued this year, with a 21% increase in total registrations.
We ran 25 classes for nearly 300 students, and once again, in-house courses comprised nearly
50% of our course total. We expanded available formats with a Weekend Warrior class, and early
morning classes for shift workers unable to attend evening classes. The addition of an Exam
Supervisor to co-ordinate the three exam sessions each year has proven to be a definite asset. A
total of 51 CIP graduates volunteered their time as invigilators of CIP exams for 541 students over
the course of the year.
Seminars
“Growth in our
evening class
program continued
this year, with a 21%
increase in total
registrations. We ran
25 classes for nearly
300 students, and
once again, in-house
courses comprised
nearly 50% of our
course total.”
Registration in our seminar program declined slightly over last year, but remained well ahead of
budget targets. RIBO Licensing was once again the financial core of our seminar program, with 44
students registered in 3 classes over the year, and a 100% pass rate out of most sessions. In total we
offered 18 seminars, with a total registration of 353.
We offered 5 “Coffee Class” one-hour seminars, with topics including Insuring to Value, Cyber Risks,
Grow Ops, Oil Spills and Legal Expense Insurance. In addition we delivered 10 half-day academic
seminars, with topics ranging from Water in the Building Envelope, Measuring Injury Losses, Flood &
Learn, Commercial Insurance ABC’s, Risk Selection for Commercial Auto, Modern Crime Coverages,
Condo Coverages and Contracts & Leases.
Our PROedge Seminar Series was equally successful, with a 37% increase in registration over the year.
We delivered two PROedge Luncheons and three ½ day seminars to 130 participants, with topics
ranging from IBC Fraud Initiatives, Advanced Construction, Risk management, AODA Legislation and
Leading Insurance Cases of 2010-11.
Finance
Our performance at year end exceeded both prior year results and current budget targets. Our
Academic surplus is nearly $49,000.00, based on the strong performance of both our CIP and seminar
programs.
CIP Society results exceeded budget targets as well, resulting in a surplus of approximately $1,170.00
after delivery of a digital billboard brand advertising campaign in the spring.
Convocation
Our 52nd Annual convocation was held November 11, 2011 at the Hilton Lac Leamy. We exceeded
expectations, with 130 in attendance; 18 individual companies were represented, to honour our 29
FCIP, CIP & GIE graduates. Awards were presented to our Instructor of the Year, as well as to the winners
of 3 national and provincial awards and 9 awards sponsored by local insurers and supporters.
Career Connections
We have a dedicated and enthusiastic group of trained Ambassadors who were called upon several
times over the course of the year, and consistently stepped up. They participated in a variety of events
over the year, ranging from high school and middle school presentations, to university career fairs and
career-oriented presentations.
30 Insurance Institute of Ontario

Ottawa
Chapter Report
Continued
The Feed the Minds of Youth event in November was well received by the 20 students and parents in
attendance. Graduate volunteers delivered a dynamic presentation over a pizza lunch, complete with
cake and balloons to a group representing 6 local insurers.
Special Events
This year’s annual CIP golf tournament at Cedarhill Golf Course on September 9, 2011 was nearly a sellout,
with 70 participants plus additional dinner registrations. We sold 9 hole sponsorships, and received
some very significant prize donations in support of our raffle. In total, $675.00 and several boxes of
food were donated to the Ottawa Food Bank. The weather, food, staggered start “best ball” format –
and fully loaded prize table – contributed to a relaxed atmosphere and very positive reviews.
“The success of our
CIP programs this
year enabled us to
fund a new brand
advertising campaign
on digital billboards
throughout the
Ottawa Metropolitan
area during the
February Winterlude
weeks, where traffic
circulation is
highest.”
Our Fourth Annual National Education Week was a busy one, including two seminars, five coffee visits
and an essay competition. Council member representatives set up information displays within their
offices, with coffee and treats available to staff. By all reports the sessions were well attended – and
appreciated. The winner of our Essay Competition will be published in the fall edition of Capital News.
Our AGM will be held on June 26th. The Nominating Committee has again brought forward a strong
slate, representing a cross-section of our local industry.
Membership
Our Chapter paid membership at March 31st was 1386, an increase of 5% over this period last year. This
exceeds our expectations, and represents a continuation of a very welcome trend nationwide.
Communication
We continue to publish our newsletter three times annually, in conjunction with our evening class
schedule. Delivery is on-line, and we hope it serves as an added incentive for our members to access
the website and the e-commerce registration options.
Our members are also serviced by weekly Ontario e-blasts of upcoming events province-wide.
Marketing
In conjunction with marketing visits begun by our CRM, we took the Commercial ABC’s seminar on
the road to the Brockville area. We offered it to brokers on a complimentary basis in exchange for
the purchase of a membership, and hope to work in partnership with the Leeds Grenville Brokers
Association on future education projects.
The success of our CIP programs this year enabled us to fund a new brand advertising campaign on
digital billboards throughout the Ottawa Metropolitan area during the February Winterlude weeks,
where traffic circulation is highest.
We continue to host the meetings of our local Industry Liaison Committee and maintain a calendar of
local industry events. The Chapter actively participates in the activities of all local industry associations
– Ottawa Insurance Brokers, Ottawa Valley Adjusters and RIMS. We assisted the organizing committee
of the local chapter of RIMS with the National Conference held in Ottawa.
We have been very pleased to welcome Michelle Jennings, our Customer Relations Manager, replacing
Robert Munford. Michelle is working to capitalize strategically on her visits to our chapter to strengthen
relationships with a large number of broker and company offices in Ottawa and the Brockville area, and
to forge some new alliances, particularly in the Pembroke/Renfrew area.
Our chapter represented the Insurance Institute at the Ottawa Insurance Brokers Association Open
House & Trade Show. This event replaces the Meet the Underwriter Night held the last few years. The
event was very well attended.
Respectfully submitted,
W. Robert Norman, CIP
Chapter Chair
2011 – 2012 Annual Report 31

Southwestern
Chapter Report
Tracey Zantingh, CIP
2011 represented our 52nd year as an IIO Chapter and we strive to maintain and epitomize our
chapter motto – Education, Ethics, Excellence = Professionalism.
COMMITTEE ACTIVITIES
Education
We held 25 courses during the spring, fall and winter semesters with 247 students participating.
In addition, 52 Southwestern Ontario students were also able to find the class they wanted or
needed through “virtual” classes held elsewhere in Ontario/Canada. That compares with 30 students
accessing virtual classes elsewhere the year before so it is gaining in popularity. Several of our
members are working on the new FCIP program and many more are taking the opportunity to
finish their FCIP under the Original Track.
“They [Instructors]
welcome the new
instructor tools
produced by IIC and
we held an instructor
evening to assist
them in contributing
to our students’
successes.”
We are always appreciative of our talented and dedicated instructors. They work tirelessly to
facilitate rewarding classroom environments and to assist our students.
They welcome the new instructor tools produced by IIC and we held an instructor evening to
assist them in contributing to our students’ successes. We continue to run several Study Skills
workshops throughout the year for the benefit of our students and we provide them free of
charge.
Seminars
We held or hosted 5 CIP Society educational events – 4 seminars and 1 Speakers’ Breakfast with a
total of 155 people in attendance. We hosted a total of 21 regular seminars, workshops, licensing
courses and 1 hour breakfast or lunch and learns with 260 attendees. We would always welcome
higher attendance at these sessions but appreciate that our members are busy people. We
also welcome seminar topics from our members and appreciate when they see a topic being
held somewhere across the country and ask that we run it as well. We strive to be a high caliber
educational component of the insurance community in Southwestern Ontario.
Finance
We didn’t attain our budgeted surplus but we had been very ambitious considering our projected
new space. We exceeded our budgeted revenue but smaller classes increased our budgeted
expenditures. Our $41,591.00 surplus will be returned to IIO in repayment of monies advanced to
us for our renovations.
Please see the financial statements for a full report. Sincere thanks to our Secretary/Treasurer, Kevin
Hodgins, CA, CIP, CAIB for his assistance.
Convocation
We held our 52nd annual Awards Luncheon in November. We celebrated the achievements of 7
Fellows, 30 Chartered Insurance Professionals and 36 graduates from the General Insurance Essentials
program – primarily from the Fanshawe College full time business insurance programs. We also
recognized 11 chapter members who had obtained their CRM designations.
We welcomed Dawna Matton from IIO and Paul Martin, CIP, the IIO president for 2011 who joined
with us in recognizing our Chapter graduates.
32 Insurance Institute of Ontario

Southwestern
Chapter Report
Continued
Career Connections
We participated in several career fairs over the course of the year including UWO, Fanshawe
College and some local career fairs. We had a full room for “Feed the Minds of Youth” including
Grade 9 students, parents or guardians and our panel of speakers from our insurance community
including the full time insurance program at Fanshawe College. They spoke about their own
school days and how they had found their way to their insurance careers or, in the case of the
students, what prompted them to choose an educational path leading into our field. We also
facilitated getting an Event in a Box sent out to those people who couldn’t attend the local
function.
Special Events
“We continue to
provide speakers
for the insurance
aspect of the London
Board of Education’s
driver training
program giving us
the opportunity to
educate new drivers
about insurance and
their responsibilities
but also to point out
some of the varying
careers in the
property/casualty
insurance field.”
We held our annual CIP Society golf tournament at Pine Knot Golf & Country Club in September
and unlike last year when the rain held off until the last hole we weren’t so lucky this year. Most
of our 135 golfers spent most of the day in the clubhouse networking but a few brave souls
persevered and some even finished 18. The club was very accommodating and gave everyone
a rain check good until the end of 2012. With our Friday tournament, the brunch preceding and
mid-afternoon lunch remains popular and allows our golfers to continue with their weekend plans.
Thanks go to our organizing team of Kevin Foster, CIP, Andrea Decoo, CIP & Heidi Bronnenhuber,
CIP – London branches of The Economical Insurance Group and Intact Insurance.
Our fifth annual Indoor Volleyball tournament was great fun again this year. We were filled to
capacity with 16 teams. It was an Economical win this year – however, at our CIP Olympics top
honours went to Omni Insurance Brokers.
We attended several OHL games at the John Labatt Centre here in London in one of their
hospitality boxes plus an NHL pre-season game.
Membership
With record rates of unemployment in the manufacturing sector in Southwestern Ontario, the
insurance sector is holding it’s own but not experiencing any real growth at present. New employees
are replacing those retiring but many of the large employers are not currently adding new staff. We
had hoped to see a 3-4% increase but our March membership number of 1586 showed only a 1%
increase over the final membership numbers at the end of the 2010/2011 membership year.
Communications
Special events are advertised through a combination of e-mails and faxes. The weekly e-blast from
IIO is proving to be a successful means of communication.
We continued our tradition of advertising our graduates in the London Free Press and Windsor Star.
One of the goals of the CIP Society is to make our members famous and this is our contribution to
that effort.
Marketing
Our Customer Relationship Manager, Peter Hood, and Chapter Manager, Wendy Barbour, take
every opportunity to network with our members at local, regional and provincial events including
the IBAO convention and OIAA claims conference with a view to maintaining and establishing
relationships in our insurance community and raising awareness of what we have to offer.
Miscellaneous
We invite all of our members who couldn’t come to our Open House in December to visit and see
our updated Chapter offices.
We participated in National Education Week and for the second time ran an essay contest and had
four excellent submissions – two more than last year.
Thanks to our many instructors, exam invigilators here in London and our “outside” coordinators and
invigilators in Windsor, Chatham, Goderich, Woodstock, Sarnia, Princeton and Delhi/Tillsonburg areas.
2011 – 2012 Annual Report 33

Southwestern
Chapter Report
Continued
We are appreciative of our many subscribers whose donations greatly assist our Chapter.
Thanks to our Chapter Manager, Wendy Barbour, our CRM, Peter Hood, and to our board members
– Kevin Hodgins, Susan Clark, Andrea Decoo, Sylvain de Laplante, Kevin Hodgins, Cyndi Hornby,
Paul Hunter, John McCartney, Anna McCrindell, Amy Pearson-Blay, Mike Risi, Lissa Seguin, Suni
Simpson-Calvert and Kathy Williams. We appreciate, as always, the assistance of the staff at IIO
and IIC.
Respectfully submitted,
Tracey Zantingh, CIP
Chapter Chair
34 Insurance Institute of Ontario

The John E. Lowes
Insurance Education
Fund
Trustees Report to the Annual General Meeting
Christine Duffield, BA, FCIP
The annual Lowes breakfast took place on October 26, 2011 at the National Club in Toronto. Our
keynote speaker for this event was David Miller, former Toronto mayor. His topic was “We Can Fight
Climate Change and Create Jobs – Here’s How”. There were 102 paid attendees and all 4 of our
scholarship recipients were present.
Special thanks once again, to Swiss Re for their donation of $2000 towards this event.
Local Chapters discussed fundraising opportunities to support the Fund and we are happy
to report that in addition to GTA’s Golf Tournament & Convocation raffle, Hamilton/Niagara,
Southwestern and Conestoga have committed to yearly donations from events and seminars.
Our John E. Lowes fundraising breakfast will be held in October 2012 and we are currently working
on confirming the speaker and date.
Respectfully submitted,
Christine Duffield, BA, FCIP
Chair
2011 – 2012 Annual Report 35

Financial
Reports
Treasurer’s
Report
Donna Ince, CA, FCIP
This report is the formal method of accepting and approving the audited statements for 2011-
2012, prepared by BDO, Chartered Accountants in accordance with Canadian generally accepted
accounting practices. The report has been reviewed and approved by the Governing Council for
presentation to this meeting.
Financially the Insurance Institute of Ontario enjoyed a good year showing solid growth in its core
academic activities even in a very competitive environment. Consolidated Academic Division
revenues for 2011-2012 were $4,862,792 and expenditures were $4,339,366. CIP Society Division
consolidated revenues were $316,608 with expenditures of $289,286. Overall the Academic
Division generated an impressive surplus of $523,426 and the CIP Society of $27,322.
The Auditor’s Report confirms that the financial statements present fairly, in all material respects,
the financial position of the Insurance Institute of Ontario as at March 31, 2012 and the results of its
operations and cash flow for the year.
I move that the audited financial statements for the year ended March 31, 2012 be approved as
presented.
Respectfully submitted,
Donna Ince, CA, FCIP
Treasurer
36 Insurance Institute of Ontario

Financial
Reports
Independent
Auditor’s Report
To the Members of the Insurance Institute of Ontario
We have audited the accompanying financial statements of the Insurance Institute of Ontario
which comprise the balance sheet and balance sheet - statement of chapter activities as at
March 31, 2012 and the statements of funds invested in capital assets, the general operations
fund, CIP society fund, awards trust fund, revenue and expenditures - general fund, revenue
and expenditures - CIP society fund and cash flows for the year then ended and a summary of
significant accounting policies and other explanatory information.
Management's Responsibility for the Financial Statements
Management is responsible for the preparation and fair presentation of these financial statements
in accordance with Canadian generally accepted accounting principles, and for such internal
control as management determines is necessary to enable the preparation of financial statements
that are free from material misstatement, whether due to fraud or error.
Auditor's Responsibility
Our responsibility is to express an opinion on these financial statements based on our audit. We
conducted our audit in accordance with Canadian generally accepted auditing standards. Those
standards require that we comply with ethical requirements and plan and perform the audit
to obtain reasonable assurance about whether the financial statements are free from material
misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and
disclosures in the financial statements. The procedures selected depend on the auditor's
judgment, including the assessment of the risks of material misstatement of the financial
statements, whether due to fraud or error. In making those risk assessments, the auditor considers
internal control relevant to the entity's preparation and fair presentation of the financial statements
in order to design audit procedures that are appropriate in the circumstances, but not for the
purpose of expressing an opinion on the effectiveness of the entity's internal control. An audit also
includes evaluating the appropriateness of accounting policies used and the reasonableness of
accounting estimates made by management, as well as evaluating the overall presentation of the
financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a
basis for our audit opinion.
Opinion
In our opinion, the financial statements present fairly, in all material respects, the financial position
of the Institute as at March 31, 2012 and the results of its operations and cash flows for the year
then ended in accordance with Canadian generally accepted accounting principles.
Chartered Accountants, Licensed Public Accountants
Mississauga, Ontario
June 14, 2012
2011 – 2012 Annual Report 37

Financial Statements
Insurance Institute of Ontario
Balance Sheet
March 31 2012 2011
Assets
Current
Cash and short term investments $ 793,403 $ 753,745
Accounts receivable - trade 265,428 291,959
- The Insurance Institute of Canada 80,908 63,512
Prepaid expenses 135,144 94,808
1,274,883 1,204,024
Capital assets (Note 1) 241,868 98,467
Awards Trust Fund - cash 2,855 2,855
$ 1,519,606 $ 1,305,346
Liabilities and Fund Balances
Current
Accounts payable - trade $ 134,551 $ 124,891
- The Insurance Institute of Canada 270,099 259,774
Deferred revenue 478,710 474,740
Due to The Insurance Institute of Canada 341,485 294,581
1,224,845 1,153,986
Fund Balances
Awards Trust Fund $ 2,855 2,855
Contingency Reserve 7,005 7,005
Fellows of the CIP Society 24,033 24,033
CIP Society Fund 9,000 9,000
Funds Invested in Capital Assets 241,868 98,467
General Operations - Agreed Surplus 10,000 10,000
On behalf of the Governing Council:
______________________________________________________________ Director
______________________________________________________________ Director
294,761 151,360
$ 1,519,606 $ 1,305,346
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
38 Insurance Institute of Ontario

Financial Statements
Insurance Institute of Ontario
Balance Sheet - Statement of Chapter Activities
March 31, 2012
CHAPTERS
Cambrian Georgian Hamilton North- South- 2012 2011
Toronto Shield Conestoga Bay Niagara Kawartha western Ottawa western Total Total
ASSETS
Cash and short term investments $ 395,172 $ 9,797 $ 165,256 $ 1,055 $ 74,440 $ 28,901 $ 949 $ 75,089 $ 42,744 $ 793,403 $ 753,745
Accounts receivable - trade 221,663 - 22,050 523 5,231 2,496 51 495 12,919 265,428 291,959
Accounts receivable - The Insurance Institute of Canada 72,309 - 2,327 - 347 567 - 3,966 1,392 80,908 63,512
Transfer to Ontario Proper - current year’s surplus 261,059 (8,920) (128,706) - (59,398) (12,660) - (50,007) (1,368) - -
Prepaid expenses 114,825 1,565 10,439 525 1,039 5,061 - 650 1,040 135,144 94,808
Capital assets 54,763 - 101,500 - 4,036 - - 7,297 74,272 241,868 98,467
Awards Trust Fund - cash - - 2,855 - - - - - - 2,855 2,855
$1,119,791 $ 2,442 $ 175,721 $ 2,103 $ 25,695 $ 24,365 $ 1,000 $ 37,490 $ 130,999 $1,519,606 $ 1,305,346
LIABILITIES
Accounts payable - trade $ 64,087 $ 1,302 $ 37,921 $ - $ 12,564 $ 3,518 $ - $ 5,613 $ 9,546 $ 134,551 $ 124,891
Accounts payable - The Insurance Institute of Canada 226,676 20 - 1,103 2,933 - - - 39,367 270,099 259,774
Deferred revenue 394,742 120 31,445 - 4,162 19,847 - 22,580 5,814 478,710 474,740
Due to The Insurance Institute of Canada 341,485 - - - - - - - - 341,485 294,581
1,026,990 1,442 69,366 1,103 19,659 23,365 - 28,193 54,727 1,224,845 1,153,986
FUND BALANCES
Awards Trust Fund - - 2,855 - - - - - - 2,855 2,855
Contingency reserve 7,005 - - - - - - - - 7,005 7,005
Fellows of the CIP Society 24,033 - - - - - - - - 24,033 24,033
31,038 - 2,855 - - - - - - 33,893 33,893
CIP Society Fund
Balance, beginning of the year 5,000 - 1,000 - 1,000 - - 1,000 1,000 9,000 9,000
Excess of revenue over expenditures for the year 16,357 - 2,910 - 4,267 - - 1,170 2,618 27,322 10,132
21,357 - 3,910 - 5,267 - - 2,170 3,618 36,322 19,132
Transfer to IIC (16,357) - (2,910) - (4,267) - - (1,170) (2,618) (27,322) (10,132)
Balance, end of the year 5,000 - 1,000 - 1,000 - - 1,000 1,000 9,000 9,000
Funds Invested in Capital Assets
Balance, beginning of year 69,289 - 12,898 - 5,604 - - 10,676 - 98,467 130,502
Transfer from General Fund - - 116,357 - - - - - 92,841 209,198 4,458
Amortization of capital assets (14,526) - (27,755) - (1,568) - - (3,379) (18,569) (65,797) (36,493)
Balance, end of year 54,763 - 101,500 - 4,036 - - 7,297 74,272 241,868 98,467
General Operations Fund
Balance, beginning of year 2,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 10,000 10,000
Excess of revenue over expenditures for the year 64,134 8,920 242,153 - 55,131 12,660 - 48,837 91,591 523,426 288,972
66,134 9,920 243,153 1,000 56,131 13,660 1,000 49,837 92,591 533,426 298,972
Transfer of General Operations Fund
-to Ontario Proper 250,094 (8,920) (125,796) - (55,131) (12,660) - (48,837) 1,250 - -
-to The Insurance Institute of of Canada (314,228) - - - - - - - - (314,228) (284,514)
-to Funds Invested in Capital Assets - - (116,357) - - - - - (92,841) (209,198) (4,458)
Balance, end of year 2,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 1,000 10,000 10,000
$1,119,791 $ 2,442 $ 175,721 $ 2,103 $ 25,695 $ 24,365 $ 1,000 $ 37,490 $ 130,999 $1,519,606 $ 1,305,346
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
2011 – 2012 Annual Report 39

Financial Statements
Insurance Institute of Ontario
Statement of Awards Trust Fund
For the year ended March 31 2012 2011
Cash and cash equivalents, beginning and end of year $ 2,855 $ 2,855
Fund $ 2,855 $ 2,855
The Awards Trust Fund has been established by the Conestoga Chapter to provide awards and prizes to qualified individuals. The money is maintained
in a T-Bill Fund.
Statement of CIP Society Fund
For the year ended March 31 2012 2011
Balance, beginning of year $ 9,000 $ 9,000
Excess of revenue over expenditures for the year 27,322 10,132
Transfer to The Insurance Institute of Canada (27,322) (10,132)
Balance, end of year $ 9,000 $ 9,000
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
40 Insurance Institute of Ontario

Financial Statements
Insurance Institute of Ontario
Statement of Funds Invested in Capital Assets
For the year ended March 31 2012 2011
Balance, beginning of year $ 98,467 $ 130,502
Transfer from General Fund 209,198 4,458
Amortization of capital assets (65,797) (36,493)
Balance, end of year $ 241,868 $ 98,467
Statement of General Operations Fund
For the year ended March 31 2012 2011
Balance, beginning of year $ 10,000 $ 10,000
Excess of revenue over expenditures for the year 523,426 288,972
533,426 298,972
Transfer to Funds Invested in Capital Assets (209,198) (4,458)
Transfer to The Insurance Institute of Canada (314,228) (284,514)
Balance, end of year $ 10,000 $ 10,000
Represented by:
General Operations - Agreed Surplus $ 10,000 $ 10,000
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
2011 – 2012 Annual Report 41

Financial Statements
Insurance Institute of Ontario
Statement of Revenue and Expenditures - General Operations
For the Year Ended March 31, 2011
CHAPTERS
Cambrian Georgian Hamilton North- South- 2012 2011
Toronto Shield Conestoga Bay Niagara Kawartha western Ottawa western Total Total
REVENUE
Agents’ licensing $ 149,158 $ - $ - $ - $ - $ - $ - $ - $ - $ 149,158 $ 129,796
CIP Program 1,398,073 29,923 343,928 - 149,306 56,509 - 108,261 107,550 2,193,550 1,795,859
Convocations 105,166 480 13,525 - 7,372 3,865 - 8,934 5,915 145,257 136,662
Grants - IIC 301,275 - 107,003 - - - - - 50,000 458,278 299,868
Institute luncheons 12,261 - 3,582 - - - - - - 15,843 19,165
Interest 406 - - - - - - - 28 434 1,472
Membership fees 1,380,115 - - - - - - - - 1,380,115 1,249,470
Room rental 4,372 - - - 9,950 - - 305 868 15,495 15,797
Subscriptions - - 11,275 - 7,488 - - 1,125 4,507 24,395 29,317
Supplemental education program 181,951 30,595 82,055 - 18,202 18,391 - 64,354 41,531 437,079 416,593
Other revenue - 13,348 19,685 - - - - 3,780 6,375 43,188 25,004
3,532,777 74,346 581,053 - 192,318 78,765 - 186,759 216,774 4,862,792 4,119,003
EXPENDITURES
Agents’ licensing 84,361 - - - - - - - - 84,361 91,464
Awards, prizes and trophies 1,636 - - - - - - - - 1,636 1,309
Bad debts 40,373 - - - - - - - - 40,373 -
Bank charges 52,585 577 8,666 - 4,002 2,602 - 4,908 4,020 77,360 64,741
Career connections 688 - 137 - 325 - - 267 549 1,966 2,660
CIP Program 1,001,653 27,404 235,672 - 102,150 44,523 - 77,804 78,950 1,568,156 1,301,150
Committees 7,559 1,600 3,098 - 1,119 382 - 1,214 984 15,956 13,429
Computer maintenance and support 4,480 - 159 - 1,990 - - 1,339 - 7,968 7,383
Convocation 119,612 526 13,750 - 5,541 3,490 - 11,150 5,531 159,600 158,425
Equipment leasing and maintenance 15,739 - 4,390 - 371 - - 2,849 2,069 25,418 30,067
Institute luncheons 6,532 - 2,513 - - - - - - 9,045 14,359
Insurance 14,940 170 1,712 - 1,152 238 - 1,013 1,351 20,576 15,595
Library 13,609 - - - - - - - - 13,609 12,625
Management service fee (Note 2) 317,688 - - - - - - - - 317,688 251,288
Marketing 9,729 - - - - - - - - 9,729 4,164
Membership services 2,301 - - - - - - - - 2,301 1,644
Office and general 16,344 716 13,780 - 4,305 206 - 2,678 5,156 43,185 33,885
Printing and postage 22,483 28 5,702 - 1,370 352 - 2,674 714 33,323 35,719
Professional fees 26,500 - - - - - - - - 26,500 20,520
Rent (Note 2) 508,399 - - - - - - - - 508,399 442,322
Room rental 424 - - - - - - - - 424 1,584
Salaries and benefits (Note 2) 1,024,063 - - - - - - - - 1,024,063 980,261
Supplemental education program 114,318 25,358 30,640 - 9,363 14,024 - 26,334 20,405 240,442 262,183
Telecom 12,881 - 8,050 - 2,807 - - 2,245 3,386 29,369 24,569
Travel 49,746 - 1,438 - 2,692 288 - 3,447 260 57,871 45,389
Other expense - 9,047 9,193 - - - - - 1,808 20,048 13,296
3,468,643 65,426 338,900 - 137,187 66,105 - 137,922 125,183 4,339,366 3,830,031
EXCESS OF REVENUE OVER EXPENDITURES
FOR THE YEAR $ 64,134 $ 8,920 $ 242,153 $ - $ 55,131 $ 12,660 $ - $ 48,837 $ 91,591 $ 523,426 $ 288,972
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
42 Insurance Institute of Ontario

Financial Statements
Insurance Institute of Ontario
Statement of Revenue and Expenditures - CIP Society
March 31, 2011
CHAPTERS
Hamilton South- 2012 2011
Toronto Conestoga Niagara Ottawa western Total Total
REVENUE
Professional development $ 147,174 $ 7,373 $ 7,663 $ 11,681 $ 11,019 $ 184,910 $ 98,735
Social/networking 58,705 - 5,452 8,717 45,735 118,609 117,257
Other 13,089 - - - - 13,089 7,968
218,968 7,373 13,115 20,398 56,754 316,608 223,960
EXPENDITURES
Professional development 73,253 2,605 3,370 4,172 9,017 92,417 52,038
Social/networking 47,694 - 2,491 9,481 38,528 98,194 97,086
Advertising 27,161 1,858 2,987 5,575 6,591 44,172 22,847
Management service fee (Note 2) 47,170 - - - - 47,170 34,679
Other 7,333 - - - - 7,333 7,178
202,611 4,463 8,848 19,228 54,136 289,286 213,828
EXCESS OF REVENUE OVER
EXPENDITURES FOR THE YEAR $ 16,357 $ 2,910 $ 4,267 $ 1,170 $ 2,618 $ 27,322 $ 10,132
The accompanying summary of significant accounting policies and notes are an integral part of these financial statements
2011 – 2012 Annual Report 43

Financial Statements
Insurance Institute of Ontario
Statement of Cash Flows
For the year ended March 31 2012 2011
Cash was provided by (used in)
Operating activities
Excess of revenue over expenditures for the year
- General operations $ 523,426 $ 288,972
- CIP Society 27,322 10,132
Adjustments to reconcile excess of revenue
over expenditures for the year to cash provided by operations
Changes in non cash working capital balances
Accounts receivable 9,135 8,603
Prepaid expenses (40,336) (46,142)
Accounts payable 19,985 720
Deferred revenue 3,970 173,697
Due to the Insurance Institute of Canada 46,904 276,561
590,406 712,543
Investing activities
Purchase of capital assets (209,198) (4,458)
Financing activities
Transferred to the Insurance Institute of Canada (341,550) (294,646)
Net change in cash and short term
investments during the year 39,658 413,439
Cash and short term investments, beginning of year 753,745 340,306
Cash and short term investments, end of year $ 793,403 $ 753,745
Represented by
Cash $ 716,541 $ 677,197
Short term investments money market funds 76,862 76,548
$ 793,403 $ 753,745
44 Insurance Institute of Ontario

Financial Statements
Insurance Institute of Ontario
Summary of Significant Accounting Policies
For the year ended March 31, 2012
Purpose of Organization
Basis of Accounting
Revenue Recognition
Cash and short term investments
Capital Assets
The Institute is an incorporated non-profit organization that is dedicated to providing educational
courses and resources to the insurance industry of Ontario.
The Institute follows the deferral method of accounting for contributions. Revenues and expenses
are recorded on the accrual basis, whereby they are reflected in the accounts in the year in which
they have been earned and incurred, respectively, whether or not such transactions have been finally
settled by receipt or payment of cash.
Membership fee revenue is recognized over the term of the membership period. Course, seminar and
other event revenues are recognized upon completion of the event. Other revenues are recognized
upon provision of the goods or service. Grant revenue is recognized in the period to which it relates or
as related specific expenses are incurred.
Cash and short term investments are defined as highly liquid investments with original maturities of
three months or less and consist of money market instruments.
Capital assets are recorded at cost less accumulated amortization. Amortization based on the estimated
useful life of the asset is charged directly to the Funds Invested in Capital Assets account as follows:
Computer equipment and software
Furniture and fixtures
Office equipment
Leasehold improvements
- 4 years straight line basis
- 10 years straight line basis
- 4 years straight line basis
- over the term of the lease on a straight line basis
Funds Invested in Capital Assets
The Funds Invested in Capital Assets represents funds used for the acquisition of capital assets and
deferred capital costs. All amortization of capital assets and deferred capital costs is charged directly
to this fund.
2011 – 2012 Annual Report 45

Financial Statements
Insurance Institute of Ontario
Summary of Significant Accounting Policies
For the year ended March 31, 2012
CIP Society Fund
The Insurance Institute of Canada's Executive Committee gave approval to the Institute to establish a
CIP Society Fund with the following criteria:
1) Any surplus generated by the CIP Society activities will be returned to the Insurance Institute of
Canada (IIC).
2) Support for CIP Society activities is made through the partial redistribution of the transfer of
surpluses generated by the CIP Society activities, as approved by IIC's Executive Committee.
Payment to the Institutes is to be made in the form of an Agreed Maximum Retention.
3) The Agreed Maximum Retention by Institutes are as follows:
a) Agreed Maximum Retention amount of $5,000 for each Institute.
b) Institutes with chapters may retain an additional maximum amount of $1,000 per chapter.
4) If the Institute incurs an Operating Deficit in its CIP Society, it may apply to IIC's Executive
Committee for consideration to retire the deficit and restore its Agreed Maximum Retention.
Capital Management
General Operations Fund
The Institutes' capital consists of its general operations - agreed surplus, funds invested in capital assets,
awards trust fund, fellows of the CIP Society, contingency reserve and CIP Society Fund. The Institutes'
primary objective of capital management is to ensure that it has sufficient resources to continue to
provide services. The Institute is not subject to any externally imposed capital requirements.
The General Operations Fund of the Institute is generally maintained at an amount of $10,000 as
agreed upon with The Insurance Institute of Canada. The balance of the General Operations Fund
over $10,000 becomes payable to The Insurance Institute of Canada with the exception of additional
agreed amounts appropriated to reserve accounts.
Any operating deficit is potentially recoverable from The Insurance Institute of Canada subject to
review and approval by the Executive Finance Committee in accordance with the Provincial Institute
Financing Guidelines.
46 Insurance Institute of Ontario

Financial Statements
Insurance Institute of Ontario
Summary of Significant Accounting Policies
For the year ended March 31, 2012
Fellows of the CIP Society
Use of Estimates
Financial Instruments
The Fellows of the CIP Society fund surplus has been designated for The Fellows Award, an award to
be presented to the top FCIP graduate in the Greater Toronto Area.
The preparation of financial statements in accordance with Canadian generally accepted accounting
principles requires management to make estimates that affect the reported amounts of assets and
liabilities at the date of the financial statements, and the reported amounts of revenues and expenses
during the reporting periods. Actual results could differ from management's best estimates as
additional information becomes available in the future.
Unless otherwise noted, it is management's opinion that the Institute is not exposed to significant
interest, credit or currency risks associated with its financial instruments. The fair value of the Institute's
financial instruments approximates their carrying values unless otherwise noted.
The Institute classifies its financial instruments into one of the following categories based on the
purpose for which the asset was acquired. The Institute's accounting policy for each category is as
follows:
Loans and receivables
These assets are non-derivative financial assets, recognized at fair value, resulting from the delivery of
cash or other assets by a lender to a borrower in return for a promise to repay on a specified date or
dates, or on demand. They arise principally through the provision of services (accounts receivable), but
also incorporate other types of contractual monetary assets.
Other financial liabilities
Other financial liabilities are recognized at fair value and include trade payables and other short-term
monetary liabilities.
2011 – 2012 Annual Report 47

Financial Statements
Insurance Institute of Ontario
Notes to Financial Statements
For the year ended March 31, 2012
1. Capital Assets
2012 2011
Accumulated Net Book Net Book
Cost Amortization Value Value
Computer equipment and software $ 159,327 $ 157,453 $ 1,874 $ 7,749
Furniture and fixtures 160,711 96,363 64,348 76,688
Office equipment 19,285 19,285 - -
Leasehold improvements 391,588 215,942 175,646 14,030
$ 730,911 $ 489,043 $ 241,868 $ 98,467
2. Management Service Fee
Management service fee is an annually negotiated arrangement with The Insurance Institute of Canada covering general, staffing and rental costs,
a portion of which is absorbed directly by The Insurance Institute of Canada. Additionally, certain rental and salary costs are charged directly to the
Institute.
3. Commitments
The Institute has entered into operating leases for its premises. The minimum annual lease payments for the next five years are as follows:
2013 $ 285,050
2014 235,690
2015 236,176
2016 238,401
2017 238,401
Thereafter 854,551
$ 2,088,269
4. Comparative Figures
The prior year comparative figures have been restated to conform to the current years presentation.
48 Insurance Institute of Ontario

General Manager’s
Report
Peter Hohman, MBA, FCIP, ICD.D
The mandate of the Insurance Institute is to provide learning opportunities that improve the
knowledge, skill set and ability of people employed in the insurance and related financial services
business. To meet this purpose, the Insurance Institute of Ontario and its fellow institutes across
Canada are structured as individual member associations, where members are at the centre of why
Institutes exist.
It is paramount that we provide relevant and meaningful education programs and professional
development opportunities that help industry practioners become better at what they do today
and at the same time, prepare them for what lies ahead. Whether we are hitting that mark or not
will likely play out in our membership numbers.
It is important to first note however that, with the difficult economic environment gripping the
global community, organizations in the not-for-profit sector are struggling to mitigate declining
memberships. The insurance industry and its non-profits, like the Institute should be no exception
with the number of issues they face both at home and abroad.
“The mandate
of the Insurance
Institute is to
provide learning
opportunities
that improve the
knowledge, skill
set and ability of
people employed in
the insurance and
related financial
services business.”
Despite this climate, using membership growth as a key indicator, our members and stakeholders
appear to be finding increasing value in their investment of time and dollars in the Institute.
This year we established another new membership high at 19,531 members, recording growth
in excess of 4%. Looking back over the last ten years we have seen some ups and downs in our
membership numbers, but generally we have enjoyed a pattern of steady growth from 15,449
members in 2002, an increase of 26%.
At this membership level, assuming an Ontario insurance industry population of 42-45,000
people, we have gained an industry participation rate approaching 45%. This is a remarkable
accomplishment by any measure and as benchmarked against other institutes globally, which
typically reach participation rates of 10-20%. We must be mindful that it will be much more difficult
to continue growing at these levels and even holding this deep level of penetration.
The following chart takes a closer look at our membership.
Membership
Classification 2011-2012 2010-2011 % Change
CIP/A.I.I.C. 6,729 6,396 5.2
FCIP/F.I.I.C 1,460 1,529 (4.5)
All Other 11,342 10,775 5.3
Total 19,531 18,700 4.4
The “All Other” category includes our CIP and GIE students, along with our non-student members
who might register for only one seminar or event during the year. Our Non-student members
have declined a notable 30%, or 507 members from last year, while our student members have
increased by 1,202 members or 13.4%. That is really the story behind these numbers as we see this
trend continuing from the prior year when our student members increased 16.0% from 2009-
2010. The industry is clearly directing their professional development investment towards quality
educational programs like the CIP designation.
Strong student participation has led to a healthy increase in the number of our new CIP graduates,
growing more than 5% this year to reach 6,729 CIP professionals.
2011 – 2012 Annual Report 49

General Manager’s
Report
Continued
The only fly in the ointment would be the decline in our FCIP members. This could be attributed
to more of our senior graduates stepping into retirement as the national institute’s demographic
studies would suggest.
Our increased CIP student members and graduates are reflected in the registrations for our formal
programs, as the following chart shows:
Formal Program Registration
Tuition Method 2011-2012 2010-2011 % Change
CIP Classroom 6,263 5,881 + 6.5
CIP Distance Learning 3,193 3,509 – 9.0
Total CIP Registrations 9,456 9,390 + 0.7
Fellowship, New-Track 88 51 + 72.0
Fellowship, Current-Track 852 816 + 4.4
“The new-track
Fellowship Program
enjoyed solid growth
this past year as
existing students
continued in the
program and new
students registered
into their first
course.”
Total 10,396 10,257 + 1.3
Total registrations in our CIP Program continue to edge up as they did in the year prior. What is of
particular interest here is the shift taking place from distance to web-based learning. Over the last
couple of years, we have seen an explosion in the popularity of our web-based classes, which are
classified as “classroom” tuition. Students are clearly showing their preference and moving from the
traditional distance learning form of tuition to web-based learning. Web-based learning is not only
more easily accommodated within busy personal and business schedules than traditional faceto-face
study, but also can provide a level of involvement and interaction that distance learning
courses, to this point do not offer.
The current-track FCIP Program enjoyed increased registrations this year as students rushed to
register into the old program before admission closed on January 1, 2012. We will likely see a
leveling of these registrations in the next couple of years, but students do have to be mindful of
the end-date of this program which is January 1, 2017.
The new-track Fellowship Program enjoyed solid growth this past year as existing students
continued in the program and new students registered into their first course. President Martin
spoke to the extraordinary educational value this program brings to students, particularly in terms
of helping prepare them for future senior roles in the industry. It appears that our CIP graduates
are beginning to embrace this invaluable learning experience as their next step on a rewarding
career path.
At the full-time student level, we continue our partnerships with the four colleges across Ontario
who offer our CIP courses as part of their business diploma curriculum; Mohawk College in Hamilton,
Fanshaw College in London, Conestoga College in Kitchener and Seneca College in Toronto.
These are important partnerships that not only lead to rewarding careers in the insurance business
for graduates of the programs, but also help our industry fill the talent gap that plagues the industry.
This year the Program Coordinators of the full-time college programs were invited to an information
sharing meeting in Toronto, along with representatives from the other colleges across Canada that
offer similar programs. Participants found the day to be invaluable and so we will be repeating the
session again next year. At the same time, students from all four Ontario colleges were invited to
our day-long CIP Society Symposium which provided them an insightful learning experience.
Insurance Institute of Ontario students perform well on the national stage. As part of my report, I
am attaching the list of Ontario prize winners from this past year along with those students who
earned national awards. Congratulations to the winners of these awards of educational excellence
and of course, to all of our graduates.
At the outset of my report, I talked about the importance of the Institute providing meaningful
learning opportunities that improve the capacity of our students in their current roles and help
prepare them for future opportunities. It would appear from the increasing registrations in our CIP
50 Insurance Institute of Ontario

General Manager’s
Report
Continued
and FCIP Programs, and the growing use of our newer forms of technological delivery that our
members and stakeholders are indeed finding that value. Congratulations and thank you to our
many instructors, committee and council members, and other volunteers for giving so generously
to the Institute and for responding so proactively to the educational needs of our industry; we
could not be what we are without their invaluable assistance.
Helping us drive the mandate of the Institute forward, we have a stable and experienced staff
quietly working away in the background.
In our chapters we have the good fortune of having seasoned managers who are committed to
helping us deliver service excellence while continuing to look for new ways to better serve our
members. My continued thanks to Ellen Legault, BA, FCIP in Ottawa, Heather Graham, FCIP, CAIB in
Conestoga, Wendy Barbour, FCIP, CAIB in Southwestern, Heather Graham, FCIP, CAIB in Hamilton-
Niagara and Livia Tersigni who heads up our GTA Operation.
“It would appear
from the increasing
registrations in
our CIP and FCIP
Programs, and
the growing use of
our newer forms
of technological
delivery that our
members and
stakeholders are
indeed finding that
value.”
Two years ago we introduced the concept of part-time Relationship Managers whose purpose
was to market the Institute across the province and help strengthen our relationships with our
customers in the chapters and our GTA operation. Robert Munford and Peter Hood filled those
roles, along with their chapter manager duties.
Robert has moved onto other responsibilities at the national institute and with the success of
these roles we expanded Robert’s part time CRM responsibilities to a full-time position, hiring
Michelle Jennings as our new CRM to focus primarily on the GTA. Peter continues in his current
capacity with an eye to also growing his CRM role into a full-time position as demand requires.
Meanwhile, Tammye Daniels, BA continues with her responsibilities as our all-Ontario Marketing
Coordinator to increase and coordinate our promotional activities, primarily through weekly
e-blasts and other electronic and traditional direct marketing tools.
Dawna Matton, BA, FCIP our Senior Director for Ontario has done a wonderful job inspiring and
motivating the Ontario team to accomplish great things this year and I extend my thanks to her
for a job well done, as well as to IIC’s VP Operations, Mike Divjak BA, FCIP. My thanks also to Angela
Murray, BA, BAcc, CMA, the Institute’s Director of Finance and her team for the support they
provide in managing our finances.
My thanks also, on behalf of all of our staff and our members to our Governing Council for the
significant contribution they make to the Insurance Institute. Many of them are called into “duty”
throughout the year on a number of occasions and we are grateful for the willingness they have
shown to assist and provide guidance.
I’ll conclude my report with a special thank you to President Paul Martin. As President and COO
of RRJ Insurance Group, Paul has had a number of substantial projects underway at his day
job. Nonetheless, Paul proved to be the ubiquitous ambassador for the Institute this year at
convocations, Institute events and throughout the industry. Paul went to great lengths to put a
very visible face to the Institute and carried out the President’s responsibility with passion and
pride. Paul, a big thank you for all that you have contributed to the Insurance Institute.
Respectfully submitted,
Peter Hohman, MBA, FCIP, ICD.D
Chartered Insurance Professional
General Manager
2011 – 2012 Annual Report 51

National Awards
2010–2011
Fellowship
The Knollys Shield Award
Top Student – Underwriting Major
Fumiyuki Murakami, FCIP
AON Reed Stenhouse Inc., Kamloops, BC
Sponsor: Insurance Institute of Canada
$1,500 Cash Prize & Award
The Colin Atkinson Memorial Award
Runner-up – Underwriting Major
No recipient
Facility Association
Sponsor: Facility Association
$750 Cash Prize & Award
The James Richardson Award
Top Student – Management Major
Kavita Jain, FCIP
Alberta Motor Association Insurance Company, Edmonton, AB
Sponsor: Insurance Institute of Canada
$1,500 Cash Prize & Award
The Insurance Bureau of Canada Award
Runner-up Student – Management Major
Bineeta Ram, FCIP
Wawanesa Mutual Insurance Co., Calgary, AB
Sponsor: Insurance Bureau of Canada
$750 Cash Prize & Award
The Robert Fisher Clark Award
Top Student – Claims Major
Wendy Lee, FCIP
The Dominion, Toronto, ON
Sponsor: Swiss Reinsurance Company of Canada
$1,500 Cash Prize & Award
The Canadian Insurance Claims Managers’ Association Award
Runner-up Student – Claims Major
Michelle Bourque, FCIP
AXA Pacific Insurance Co., Vancouver, BC
Sponsor: Canadian Insurance Claims Managers’ Association
$750 Cash Prize & Award
The Risk and Insurance Management Society – Canada Award
Top Student – Risk Management Major
Karen Siemens, FCIP
Intact Insurance Co., Vancouver, BC
Sponsor: Risk and Insurance Management Society
$1,500 Cash Prize & Award
The Centenary Excellence Award
Top Student – Advanced Standing Credits
James Penafiel, FCIP
HIROC, Toronto, ON
Sponsor: Wawanesa Mutual Insurance Company
$1,000 Cash Prize & Award
New-Track Fellowship Program Award
Top First-Year Student – Minimum two courses required
Anna McCrindell
London, Ontario
Sponsor: Insurance Institute of Canada
$1,000 Cash Prize
The Centennial Award
Top Student – FCIP Ontario
Anand Shastri, FCIP
The Economical Insurance Group, North York, ON
Sponsor: Insurance Institute of Ontario
$750 Cash Prize & Award
The Fellows’ Award
Top Student – FCIP Toronto
Anand Shastri, FCIP
The Economical Insurance Group, North York, ON
Sponsor: The Toronto Fellows of the CIP Society - Ontario
$1,000 Cash Prize & Award
Continuing Education
The Daphe Mullaly Award
Top Student – Continuing Education
François Côté, FPAA
Groupe LEDOR inc., Saint-Romuald, QC
Sponsor: Insurance Institute of Canada
$700 Cash Prize & Plaque
CIP – Open Awards
The Ralph Sketch Award
Gold Prize Winner – Top Student
Donna Lehmann
Saskatchewan Mutual Insurance Co., Saskatoon, SK
Sponsor: Lombard Canada
$750 Cash Prize & Award
SCM -The School of Loss Control Technology Prize
Silver Prize Winner – 1st Runner-up Student
Tracey Allyn Gold
Insurance Corporation of BC, Nanaimo, BC
Sponsor: SCM RISK Management Services Inc.
$500 Cash Prize & Award
52 Insurance Institute of Ontario

National Awards
2010–2011
Continued
CIP Bronze Prize
Bronze Prize Winner – 2nd Runner-up Student
Kamalarani Ganapathy
The Economical Insurance Group, Ottawa, ON
Sponsor: Zurich Canada
$400 Cash Prize & Award
The Honourable Order of the Blue Goose International Prize
3rd Runner-up Student
Janice Ruth Meszaros
The Co-operators, Guelph, ON
Sponsor: Blue Goose International
$300 Cash Prize & Award
CIP – Restricted Awards
The Independent Broker Prize
(formerly: Canadian Underwriting Managers’ Prize)
Top Graduate – Independent Broker
Robert McDonald
Johnson Inc, St. John’s, NL
Sponsor: Insurance Institute of Canada
$300 Cash Prize & Award
The Canadian Independent Adjusters’ Association Prize
Top Graduate – Independent Adjuster
Brian Greaves
Monette May & Associates, Hamilton, ON
Sponsor: CIAA
$300 Cash Prize & Award
The Reinsurance Research Council Prize
Top Graduate -Reinsurance
Amanda Lantz
Farm Mutual Reinsurance, Cambridge, ON
Sponsor: The Reinsurance Research Council
$500 Cash Prize & Award
The Canadian Board of Marine Underwriters Prize
Top Graduate – Marine Major
No Candidate
Sponsor: CBMU
$300 Cash Prize & Award
CIP - Five Completed Courses
The Gerald E. Hackett Memorial Prize
Top student First Five CIP Courses (based on exam results)
Vaishalli Girdhar
Edmonton, AB
Sponsor: Crawford Adjusters Canada
$375 Cash Prize & Award
CIP – First Year
The Kenneth E. MacLeod Prize
Best performance by a 1st year student
Teddy Ferreira
Toronto, ON
Sponsor: State Farm Insurance Company
$250 Cash Prize & Award
L.L. Rooke Memorial Prize
Best Performance by a 1st year student
Vincent Beauchemin
Intact Assurance, Montréal, QC
Sponsor: Dominion of Canada General Insurance
$250 Cash Prize & Award
First Year Full-time Student
The Tretiak Memorial Prize
Best 1st year student in Full time program
Julie Waschuk
Edmonton, AB
Sponsor: Insurance Institute of Canada
$250 Cash Prize & Award
Full-Time Commuity College
The Frank Dougan Prize
Top Graduate of Full-Time program
Julie Waschuk
Edmonton, AB
Sponsor: Morris & MacKenzie Inc.
$500 Cash Prize & Award
National General Insurance Essentials Prizes
The Bobbie Parks Award
Top Graduate
Mandy Harris
PEI Mutual Insurance, Charlottetown, PE
Sponsor: CAIW
$250 Cash Prize & Plaque
Canadian Association of Insurance Womens’ Prize
1st Runner-up
Paul Martinello
The Economical Insurance Group, Kitchener, ON
Sponsor: CAIW
$175 Cash Prize & Plaque
2011 – 2012 Annual Report 53

Ontario Awards
2010–2011
FCIP
The Centennial Award
Top Student – FCIP Ontario
Anand Shastri, FCIP
The Economical Insurance Group, North York, ON
Sponsor: Insurance Institute of Ontario
$750 Cash Prize & Award
CIP
The Diamond Jubilee Award
Top CIP Student
Kamalarani Ganapathy
The Economical Insurance Group, Ottawa, ON
Sponsor: Ontario Prize Fund
$500 Cash Prize & Award
General Insurance Essentials (GIE)
Top General Insurance Essentials Graduate
Paul Martinello
The Economical Mutual Insurance Company, Kitchener, ON
Sponsor: Ontario Prize Fund
$100 Cash Prize
CIP Society Ontario (Toronto)
The Fellows’ Award
Top Student – FCIP Toronto
Anand Shastri, FCIP
The Economical Insurance Group, North York, ON
Sponsor: The Toronto Fellows of the CIP Society - Ontario
$1,000 Cash Prize & Award
First Runner-up
Kenneth Cheung
CAA Insurance (Ontario), Toronto, ON
Sponsor: Ontario Prize Fund
$300 Cash Prize
Second Runner-up
Second Runner-up
Kimberley Ann Slugg
Smartcentres Management Inc., Toronto, ON
Sponsor: Ontario Prize Fund
$200 Cash Prize
First Year CIP
Renita Kai Tze Lo
AON Reed Stenhouse Inc, Toronto, ON
Sponsor: Ontario Prize Fund
$100 Cash Prize
The Doughlas N. Hurlbut Award
Top Student completed first half of CIP
Nathaniel McPhee
Quelmec Insurance Adjusters, Ottawa, ON
Sponsor: CICMA
$1000 Cash Prize & Plaque
54 Insurance Institute of Ontario

Ontario Chapter Awards
2010–2011
Conestoga Chapter
K-W Adjusters Award
Top Honours – C11 - Principles and Practices of Insurance
Lauren Tollifson
Wawanesa Mutual Insurance Company, Kitchener, ON
Sponsor: K-W Chapter, Ontario Insurance Adjusters Association
$150 Cash Prize
Peter Uffleman Bursary:
Top Honours – C14 - Automobile Insurance
Lyne Provencher
Erb and Erb Insurance Brokers Ltd., Kitchener, ON
Sponsor: Canadian Independent Adjusters’ Association
$150 Cash Prize
Donald McKay Award
Top Honours – C110 - Essentials of Loss Adjusting
Mary Bonevelle, CIP
The Economical Insurance Group, Guelph, ON
Sponsor: Donald McKay, FCIP
$150 Cash Prize
Peter Vanderkoff Memorial Award
Top CIP (Registered Insurance Broker)
Melissa Snyder, CIP
Lackner McLennan Insurance Ltd., Waterloo, ON
Sponsor: Insurance Brokers’ Association of Waterloo Region
$150 Cash Prize
Marina Zacher Memorial Award
Top Honours – C12 - Insurance on Property
Lyne Provencher
Erb and Erb Insurance Brokers Ltd., Kitchener, ON
Sponsor: Insurance Institute of Ontario, Conestoga Chapter
$150 Cash Prize
Rose Bowl Award
Top CIP Graduate (Minimum of 6 Honours within 7 years)
Janice Ruth Meszaros, CIP
The Co-operators, Guelph, Ontario
Sponsor: Insurance Institute of Ontario, Conestoga Chapter.
$250 Cash Prize & Rose Bowl
Fellowship Prize Winner 2010-2011
Highest Honours Marks in Fellowship Program
Leanna Harvey, FCIP
The Economical Insurance Group, Kitchener, ON
Sponsor: The Toronto Fellows of the CIP Society Ontario
$1000 Cash Prize & Plaque
Instructor of the Year Award
Greta Dearing, CIP
The Co-operators, Guelph, Ontario
Sponsor: Insurance Institute of Ontario, , Conestoga Chapter
$250 Cash Prize
Hamilton/Niagara Chapter
Economical Insurance Group Award
Top CIP graduate
Brian Greaves, CIP
Monette May & Associates, Toronto, ON
Sponsor: Economical Insurance
$100 Cash Prize & Plaque
Crawford Adjusters Canada Award
Runner Up to Top CIP graduate
Sindy Houle, CIP
Uniban Canada Inc., Kitchener ON
Sponsor: Crawford Adjusters Canada
$75 Cash Prize & Plaque
Ontario Insurance Adjusters Association Award (Hamilton Chapter)
Top FCIP graduate
Jeffery McClymont, FCIP
The Dominion, Oakville ON
Sponsor: Ontario Insurance Adjusters Association – Hamilton Chapter
$500 Cash Prize & Plaque
The David McLauchlan Memorial Award
Community Involvement
Dan Lawrie
Dan Lawrie Insurance Brokers, Hamilton ON
Sponsor: Crawford Adjusters Canada
Plaque
The Clannad Award
Instructor of the Year
Christine Lanigan
Aviva Canada Inc., Hamilton ON
Sponsor: Insurance Institute of Ontario, Hamilton/Niagara Chapter
Plaque
Kawartha/Durham Chapter
Top Fellow Graduate
Deborah Moore, FCIP
Intact Insurance Company, Ajax, ON
Sponsor: OIAA – Kawartha-Durham Chapter
Cash Prize & Plaque
2011 – 2012 Annual Report 55

Ontario Chapter Awards
2010–2011
Continued
Top CIP Graduate
Candace Cleary, CIP
Crawford & Company (Canada) Inc., Toronto, ON
Sponsor: Farmers’ Mutual Insurance Company (Lindsay)
Cash Prize & Plaque
Top CIP In-Class Student
Nina Sethi
Aviva Canada Inc., Scarborough, ON
Sponsor: Bryson & Associates Insurance Brokers Ltd.
Cash Prize & Plaque
Ottawa Chapter
Top Local GIE Student
Nicole Merrill
Encon Group, Ottawa, ON
Sponsor: Crawford & Company
$150 Cash Award
David W. Peeling Memorial Award
Top Local First Year Student in the CIP Program
John Hay
Quelmec Insurance Adjusters, Ottawa, ON
Sponsor: Insurance Institute of Ontario, Ottawa Chapter
$100 Cash Prize & Trophy
Bryce Renwick Memorial Award
Top CIP Student on completion of 1st 5-CIP courses
Nathaniel McPhee
Quelmec Loss Adjusters, Ottawa, ON
Sponsor: Economical Insurance Group
$700 Cash Prize
Douglas N. Hurlbut Award
Top CIP Student in Ontario on completion of 1st 5 CIP courses
Nathaniel McPhee
Quelmec Loss Adjusters, Ottawa, ON
Sponsor: Canadian Insurance Claims Managers Assoc. Toronto Chapter
$300 Cash Prize & Plaque
1st Runner-up to the Top CIP Graduate
Eva Poznanski, CIP
Belairdirect, Ottawa, ON
Sponsor: Canadian Insurance Claims Managers Assoc. Ottawa Chapter
$300 Cash Prize
2nd Runner-up to the Top CIP Graduate
Tanya Beauchamp, CIP
Encon Group Inc., Ottawa, ON
Sponsor: Ottawa Valley Adjusters Association
$200 Cash Prize
Jack Farquhar Memorial Award
Top Local CIP Graduate
Kamalarani Ganapathy, CIP(Hons)
The Economical Ins. Group, Ottawa, ON
Sponsor: The Encon Group
$500 Cash Prize
Diamond Jubilee Award
Top Ontario CIP Graduate
Kamalarani Ganapathy, CIP(Hons)
The Economical Ins. Group, Ottawa, ON
Sponsor: Insurance Institute of Ontario
$500 Cash Prize & Plaque
CIP Bronze Prize
2nd Runner-up CIP Graduate in Canada
Kamalarani Ganapathy, CIP(Hons)
The Economical Ins. Group, Ottawa, ON
Sponsor: Zurich Canada
$500 Cash Prize
Top Local Student in the First Year of the New FCIP Program
Talia Rosenberg, CIP
Belairdirect, Ottawa, ON
Sponsor: Canadian Insurance Claims Managers Assoc. Ottawa Chapter
$200 Cash Prize
The ENCON Award
Top Local FCIP Graduate
James Scharf, FCIP
Intact Insurance
Sponsor: Encon Group Inc., Ottawa, ON
$1,000 Cash Prize
Instructor of the Year
Paul Wanamaker, FCIP, CRM
Wawanesa Mutual Ins., Ottawa, ON
Sponsor: Insurance Institute of Ontario, Ottawa Chapter
$500 Cash Prize
Southwestern Ontario Chapter
John A. Russell Memorial Award
Top CIP Graduate
Tara VanRuymbeke, CIP
Intact Insurance Company, London, ON
Sponsor: London Field Representatives’ Association
$200 Cash Prize & Plaque
Yvonne Hobbins Award
Top FCIP Graduate
Michael Risi, FCIP
Intact Insurance Company, London, ON
Sponsors: Society of Fellows & London Field Representatives’ Association
$300 Cash Prize & Plaque
56 Insurance Institute of Ontario

Evening Class Instructors
2010–2011
Alaimo, L. John, FCIP
Alexander, Camille, FCIP
Alexander, Veronika, CIP
Allan, Matthew, CIP
Allen, Tracy, CIP
Almeida, Renata, CIP
Angellotti, Nick
Atkinson, Bonnie, FCIP
Banks, Cedric, CIP
Banks, T. Randall, FCIP
Barlow, Peter, FCIP
Bilik, Alex, FCIP
Bishop, Neil, FCIP
Blackmore, Maria, FCIP
Brady, Kailey, CIP
Bray, Kim, FCIP
Brouwers, Jacqueline, CIP
Brown, Douglas, CIP
Buch, Daniel, CIP
Cain, Monica, CIP
Cameron, Becky, FCIP
Campbell, David, FCIP
Cekuta, Mark, CIP
Chan, Anthony, FCIP
Chan, Keith, FCIP
Clare (D’Amico), Melanie, FCIP
Cleary, Shelagh, FCIP
Cook, Barry, CIP
Craven, Ryan, CIP
Crawford, Margaret, FCIP
Curtis, Dorothy, CIP
Cybulski, Jason, FCIP
Dance, Wendy, CIP
Daniels, Crispin, FCIP
Dass, Amanda, CIP
Davies, Robert
Davy, Colin, CIP
Dearing, Greta, CIP
Desai, Jagruti, CIP
Dobszewicz, Kerri, CIP
Doyle, Sean, CIP
D’Souza, Clinton, CIP
Duffy, Carol, CIP
Dyson, Keith, CIP
Edasi, Susan, CIP
Edisbury, Linda, CIP
Eso, Tracy, CIP
Evangelista, G (Joe), CIP
Fernandes, Eliana, CIP
Fioravanti, Anne, CIP
Gardiner, Christina (Tina), CIP
Garvey, Paul, FCIP
Gooder, D. Jane, CIP
Gould, David, FCIP
Greenidge, Sharon, CIP
Gutzeit, Natalie, CIP
Hobbs, Lloyd, CIP
Hong, Janny, FCIP
Hornby, Cynthia, CIP
Hughes, Diane, CIP
Jones, Sylvie, CIP
Joseph, Sherwin, FCIP
Joshi, Rajiv, FCIP
Joshua, Maria, FCIP
Lackey, Anthony, FCIP
Lanigan, Christine, CIP
Leblanc, Nicole, CIP
Lees, Kristine, CIP
Leitch, Calla, CIP
Lejnieks, Brian, FCIP
Lord Sr, Wayne, FCIP
Lurch, Francis, FCIP
MacCharles, Kimberly, CIP
Mahamoodally, Nooranee, FCIP
Manning, Dwain, CIP
Manske, Julie, CIP
Martin, Mary, FCIP
Mascarenhas, Gavin, CIP
Mastrangeli, Enrico, FCIP
Matheson, Glenn, CIP
Matthews, Callie, CIP
McAndrew, Bill
Mccahill, Patricia, FCIP
McCracken, Ronald, CIP
McDougall-Brady, Yvonne, CIP
McGovern, Loni, CIP
McKeag, Kevin, FCIP
McMullen, Scott, FCIP
Medeiros, Susan, FCIP
Medeiros, Francisco, CIP
Mody, Raj, CIP
Mustafa, Dino, FCIP
Noronha, Terence, FCIP
O’Hara, Katherine, CIP
Osti, Adrian, FCIP
O’Sullivan, Amy, CIP
Oxford, Glen, FCIP
Palalas, Annette, CIP
Panzica, Bruno, CIP
Parachoniak, Nick
Parkinson, Carey, CIP
Patterson, Anne-Marie, CIP
Pearl, Alan, FCIP
Pearson, Robert, FCIP
Perry, Jonathan, FCIP
Peters, Eduard, CIP
Phipps, Robert, CIP
Planert, Glenn, FCIP
Ramalho, Paul, CIP
Risi, Michael, FCIP
Rodriquez, Dianne, CIP
Rogers, Philip, FCIP
Russell, Jenet, FCIP
Rutledge, Madeleine, CIP
Schmidt, Christopher, CIP
Scholcz, Thomas, FCIP
Schostak, Ray, FCIP
Scullion, Henry, FCIP
Senior, Christine, CIP
Shaver, Barbara, FCIP
Shuryn, Michael, FCIP
Singh, Kami, CIP
Sinha, Ronita, CIP
Spagat, Elliott, CIP
Subryan, Cecelia, FCIP
Sullivan, Terri, CIP
Suski, Allison, CIP
Sutton, Shelley, CIP
Sweeting, Barry, FCIP
Swift, Mosann, CIP
Thorn, Russel, FCIP
Ting, Warren, FCIP
Todd, Victoria, FCIP
Virley, Jennifer, FCIP
Wallace, Wayne, CIP
Wanamaker, Paul, FCIP
Watson, Larry, CIP
Whibley, Michael, FCIP
Whitehouse, Violet, CIP
Yott, Cindy, CIP
Zadorozniak, Shelly, CIP
2011 – 2012 Annual Report 57

Graduating Fellows (FCIP)
2010–2011
FCIP With Honours
Chamberland, Jocelyn Anne
Lurette, Leann
Penafiel, James Arthur
Shastri, Anand V.
FCIP
Agius, Daria Marie
Ahmad, Faraz
Balasooriya, Malin
Bashi, Ziad
Breault, Patricia Marie
Brown, Roxane
Callaghan, Meghan Sharon
Czerepak, Elizabeth
Dakli, Ajkuna
D’Amico, Christina
D’Arcey, Tracy A
DiNardo Steele, Daiana
Dorfman, Oxana
Dorismond, Joelle
Drumonde, Richard
Dunning, Carrie Lynn
Dutot, Jean
Fernandez, Joseph Bonoventure
Foss, Jamie
Harper, Jennifer Susan
Harvey, Leanna Winnifred
Jackson, Leon
Jackson, Valda Teresa
Janzen, Peter
Jurczak, Magda
Keefer, Christina
Khan, Anisha
Khan, Shahkar Hasan
Langford, Douglas
Law, Kaitlyn
Lee, Lucy
Lee, Wendy Wing Sum
Leiper, Andrew
Liang, Shuang
Lurch, Francis
Luttrell, Stephanie Leanne
Lynch, Stacey
Mackenzie, Lindsay
Maiuri, Peter J
Maksan, Ann Marie
Mann, Navjot
Markell, Greg
McClymont, Jeffery T
McLean, Jaclyn Denise
McWatt, Timothy I
Meyer, Gregory William
Middleton, Bradley John
Middleton, Brandon George
Moore, Deborah Ann
Mustafa, Dino
Myer, Christopher Neil
Nadesalingham, Gayanthini
Nguyen, Mai (Cindy)
Nichols, Philip Anthony
Nunes, Raquel
Paniccia, Mike
Pankratov, Kirill
Policelli, Cheryl
Pretto, Tyler Sergio
Qaiser, Umair Muhammad
Rachiotis, George
Ricci, Krista
Risi, Michael Joseph
Rispoli, Stefanie
Rudnicki, Amanda
Scharf, James W
Scherer, Richard
Sealy, Beverly
Sibanda, Jacquie
Sieuraj, Bassmatie Merlini
Smith, Jeffrey Arthur
Stuckey, Suzanne Corissa
Swanepoel, Liezle
Tam, Ada Ho Wai
Taylor, Lorraine E
Thawer, Nimira
Thompson, Crystal
Van Allen, Sarah
Van den Berg, Catherine Anne
Vinluan, Mavisly
Virdee, Amar Kaur
Westermann, Tony
Whibley, Michael
Wilkinson, Michael
Wilkinson, Stuart
Xi, Cloris
Yung, Jenny C Y
Zajczenko, Michael
Zinken, Craig Jonathan
58 Insurance Institute of Ontario

Graduating Chartered
Insurance Professionals (CIP)
2010–2011
CIP With Honours
Ganapathy, Kamalarani
Lo, Renita Kai Tze
Mathew, Alex
Meszaros, Janice Ruth
Pottle, Stephen
Swanick, Julie
CIP
Abraham, Agnes
Abraham, Caitlin Patricia
Abreo, Tania
Agriesti, Juliana
Ah Yun Ko, Annick
Ahmed, Moeed
Aldred, Patricia Marie
Alijohn, Andy
Allison, Matthew Bruce
Almeida, Shelley G
Anderson, Crystal Lynn
Antkowiak, Camila
Arenas, Joanne
Assenza, Rosa
Attard, Maria
Attardo, Debbie
Au, Angeline
Au, Cindy
Au, Ivan
Babcock, Andrew
Bain, Celine
Barber, Corinne
Barradas, Tim Edward
Beaney, Karen
Beauchamp, Dan
Beauchamp, Tanya
Bell, Alison
Benham, Jenn Laurie
Bentley, Ryan William
Bhana, Reena
Bhatia, Ranjit
Bielby, Jeff Glenn
Bince, Cecilia Canlas
Black, Hailey
Bodnaruk, Kathleen
Bogaert, April Lynn
Bold, Tseelee
Bonin-Torres, Andrea
Bonomo, Brenda Marie
Boucher, Trycia Lois
Bourgeois, Michael
Bouroukis, Dean Peter
Bousfield, Linda M.
Bradley, Stephen John
Brown, John
Brown, Nancy
Bryan, Heather Shawn
Buchinger, Nicole
Bull, Tara Lynn
Burrell, Lenford
Busch, Stephanie Lisa
Bushey, Jonathan
Bussel, Svetlana
Camilli, Joe
Capogna, Mike
Carnochan, Steve
Case, Michela Daniela
Caswell, Anita
Ceglowska, Elwira
Chai, Judi
Chan, Serena
Chan, Yuen Wing Winnie
Chandra, Taramattee
Chapman, William
Cheesman, Jennah Marie
Chin Sang, May Lin
Chow, Sara
Chowdhary, Rippan
Chun, Su Young
Chung, Allen Chi-Ho
Cina, Frank
Clark, Rob
Cleary, Candace Quinn
Cockburn, Jason
Colehouse, Scott Christopher
Copland, Marc E
Cornacchia, Luciano
Cosburn, Phil
Craig, Ryan Daniel
Craig, Shannon Leigh-Anne
Crisp, Matt
Cronk, Jeff
Cumming, Joseph Stewart
Dale, Monica Marie
Dalvi, Saquib A
Dance, Wendy Lynn
David, Eva
Davies, Holly L.
D’Cruz, Melanie
De Freitas, Michael
de Maria y Campos, Michael
De Sario, Laura-Lee
De Silver, Maria Connie
Decunha, Kimberley Irene
Deeley, Jonna
DeMeo, Gary
Desai, Dushyant
Desai, Grishma
Desai, Jagruti
Desai, Krupabahen
Descoteaux, Karly
Devorski, Dana Marie
Dhindsa, Kamaljit Kaur
Dhir, Victor K.
Diletti, Michelle
Ditner, Amy
Do, Justin
Docker, Annemarie Krystyna
Dowe, Shannon
Downham, Jennifer E
Duncan, Amanda Lois
Dupon, Kathleen
Duquette, Michelle
DuWors, Caroline A.
Edwards, Johanna
Einarson, Randie
Elliott, Adam
Elliott, Stacy
Epp, Mike Douglas
Faggiani, Edgardo
Faw, Sue Ann
Fedoruk, Craig
Ferguson, Melissa
Fernando, Phylindra
Fiddler, Dan C.
Fischer, Johanna Mary Eva
Flear, Tina
Foley, Danielle
Forbes, Alim
Foster, Joshua Benjamin
Fredericks, Nadira
Fung, Ivo
Fung, Robert
Gagnon, Todd Adam
Garcia Bendamio, Juan Ronald
Georgeson, Gavin
Giesler, Chris
Gill, Kiranjit
Gilpin, Karen Sue
2011 – 2012 Annual Report 59

Graduating Chartered Insurance
Professionals (CIP) 2010–2011
Continued
Gilpin, Marcia
Gingras, Ray
Glahs, Ryan W
Godden, Andrew
Goel, Rohit
Golshan, Ladan
Gomes, Monica
Gorley, Christine
Gowdy, Judy Lynn
Grandine, Anna Karissa
Gray, Novia
Greaves, Brian Patrick
Greb, Jeff John
Green, Ryan
Greene, Erin
Grenier-Dewar, Valerie
Gunn, Debra
Halfyard, Allison
Hall-de Groot, Joanne
Hamilton, Sheron
Hanley, Barbara Lynn
Hanna, Christine Helen
Harper, Deborah
Hartmann, Jennifer
Heelis, Ryan
Henderson, Cheryl A.
Henry, Allison
Henry, Dennard A.
Hessel, Amanda Leigh
Heuts, Emily Mary Louise
Hibbert, Frances
Hiller, Jennifer
Hillier, Jennifer L
Hogg, Jennifer
Holman, Jennifer
Holmes, Robert Stanford
Hopper, Susan D
Hothy, Bashir
Houle, Sindy
Hrycyshyn, Dawn Lauren
Huen, Wang Yung
Hume, Gillian
Hung, Gabriel
Huynh, Diep Ngoc
Huynh, Nghi
Irwin, Karen
Iype, Jyothi A.
Jackson, Mark Anthony Doan
James, Jaison
Jani, Tejas
Janki, Sookram
Javier, Shirlyn
Jennings, Christopher Lang
Jensen, Carrie
Jessop, Aimee
Jewett, Tom
Jiao, Carrie
Jonayon, Joanne
Joudry, Cheryl L
Kaczmarek, Michelle Lynn
Kahai, Brijinder
Kamberovic, Andrijana
Kearsey, Jennifer Rosemary
Kelland, Christine
Khan, Imam
Khashei, Shideh
Kibsey, Kristopher Martin
Kihut, Sherry
Knifton, Rebecca Lynn
Koblik, Troy
Kool, Andrea
Koopmans, Jackie
Kottoor, Sujil
Koubar, Mohamad
Koupaki, Thierry
Krisza, Joanna
Kublek, Sue
Lacroix, Christine
Laidlaw, Clifton Thomas
LaLonde, Andrea
Lamb, Tara
Lannin, Tracey Michelle
Lantz, Amanda Jean
Larkin, Anita
Laskey, Courtney
Laurin, Adele
Lee-Rotstein, Christina
LeFresne, Jonathan Ellis
Lessard-Webb, Tara Lee Lynette
Lewandowski, Milena
Li Chee Ming, Stephane
Liao, Jinrui (Joyce)
Lillico, Jill Patricia
Lindsay, David
Liu, Fee Yun
Liu, Victoria
Long, Tracey
Louhing, Carlene
Luciani, Stephanie
Luk, Wei Yu (Tammy)
Lumsden, Elaine
Lund, Kathryn
MacCharles, Kimberly
Machado, Katherine
MacLean, Tanya
Maharaj, Tricia N
Mahmood, Abida Naheed
Mai, Phuong Vy
Maison, John
Maldonado, Francisco Jose
Mali, Jon
Manning, Kari
Mapara, Karim
Markov, Sandra
Marshall, Tiffany MJ
Martin, Teresa Kim
Marto, Teresa Elizabeth
Martone, Diane Louise
McCallum, Everett
McConkey, Mark Owen
McCool, Catherine
McLean, Sarah
McLellan, Ian G.
McManus, Thomas Peter
McMurray, Angela
McNeill, Michael
Medeiros, Erin
Mehdi, Syed Ali
Meikle, Alison Jean
Melo, Chiqui Cordero
Methven, Christine E
Meyer, Leendert John
Milne, Shawna
Mohammed, Shivonne Liza
Mohan, Indu
Mollard, Andrew Robert
Morris, Stephanie
Moulds-Silver, Ann
Mulvey, Caroline
Munyanyi, Innocent
Murrant, Michael Robert
Neufeld, Peter D
Neville, Jennifer
Nevins-Selvadurai, Ann
Newbigging, Janet Collen
Newman, Jeremy Calvin
Ngoy, Emily Ly
Nicholson, Sandie
Noble, Lee
Noman, Saima
Noorhassan, Tariq Anthony
Nye, Michael Godwin
O’Brien, Brandon
O’Keefe, Kelly
Ongpauco, Ellen
Osborne, Eric J.
Overgaard, Helle Mai
Packowski, Hannah
Pal, Rahul Dev
Palladino, Erika
Pallas, Kristina
Palma, Hector
Palmer, Richard Nicholas
Pan, Sisi
Paras, Ayesa
Patil, Prakash
Patterson, Steven
Patterson, Vashauna Sherrena
60 Insurance Institute of Ontario

Graduating Chartered Insurance
Professionals (CIP) 2010–2011
Continued
Pavlova, Iryna
Pawley, Devyn Celeste
Pearsall, Laura
Penstone, Dave Allen
Pereira, Kayla
Pereira, Richard Paul
Persaud, Cheryl P
Philips, Maria
Pinder, R. (Lexy) Alexandria
Pirvut, Gianny
Pitu, Dumitru Florin
Plahouras, Ken
Polgar, Eva K.
Pommainville, Nicole
Ponton, Jason Stewart
Poort, Matthew John
Poznanski, Eva Christina
Presutti, Karen
Pukas, Maria
Qin, Chuang
Quartarone, Joseph
Rabbani, Nausheen
Randle, Jessica A
Rashid, Mohammad Sami
Raymond, Bijal
Readhead, Chris
Redditt, Katerina
Redman, Laura Megan
Reis, Ryan
Resh, Kavoot
Rice, Michelle
Richardson, Patrick
Rixon, Kelli Jai
Rizzo, Irene Elisabeth
Roach, Denise Patricia
Roberts, Stephanie Melissa
Robinson, Jason Rohan
Rochard, Lorraine
Rogojinaru, Sorin
Rojas-Gahona, Francisco
Rolfe, Chris
Rupcic, Nancy
Rutley, Julia Lynne
Rwambiwa, Arthur
Sabharwal, Harjot
Sabourin, Nicole
Sahota, Jaswinder
Saini, Susharth
Salas, Beatrice
Salter, Thomas J
Sanichar, Naresh
Santana, Dean
Schaafsma, Bryan
Scheffel, Lyndsey Anne
Schuknecht, Krista
Seager, Mallory E
Seyler, Aaron Jeffrey
Shaath, Loai Ramadan
Shannon, Sunni
Sharifi, Frozan
Sheldon, Justin Daniel
Sheppard, Julie
Sherrard, Rhu
Shusterman, Spencer
Siller, Peter
Silva, Kevin J
Sitnikova, Anna
Smith, Jennifer
Smith, Maureen Theresa
Snyder, Melissa A.
Spasic, Jelena
Spencer, Karen
Spidalieri, Frank
Spina, Garrett
Stallan, Sarah Francis
Stodulka, David J
Stokes, Susan
Strokan, Katherine
Stutzmann, Michelle
Sunesen, Kirsten
Taborda, Rui Claudio
Takeda, Nina
Tam, Jacqueline Hau Chi
Taylor, Kelsey
Thorne, Cecile Roderick
Timofte, Irina
Tompkins, Ashley
Towers, Natasha
Townsend, Lindsay-Anne
Truong, Ha
Tseng, Vicki K
Turner, Lisa
Ung, Ly
Van Eyk, Deborah Ann
Van Zant, Robyn
Vangelisti, Elizabeth Anne
VanRuymbeke, Tara Jean
Vasquez Lara, Mauricio
Veghely, Tunde
Vetter, Lisa A.
Vickers, Kyle A
Vidal, Gertrude
Vincent, Suzanne
Wade, Tim
Walker, Brenda
Walthrus, Fabian
Ward, Wendy
Watson, Wendy Lee
Webb, Pamela E
Wells, David
Welner, Donna S
West, Robert Gavin
Williams, Jason M
Wisniewski, Renee
Witney, Jillian A
Wohlfahrt, Derrick Robert
Wong, Katie
Wood, Nancy M
Yau, Dennis
Young, Jennifer D.
Yuan, Wendy
Zai, Stephen
Zarouk, Fareeka
Zheng, Feng
Zhou, Robin Rong
2011 – 2012 Annual Report 61

Graduating General
Insurance Essentials Students
(GIE) 2010–2011
GIE
Abbott, Cathy
Agbi, Vivienne Odhnibe
Akhtar, Aamir
Ansell, Stephanie
Bailey, Jacqueline
Bakker, Julia
Beaton, Nick
Blumentrath, Michelle
Bohnert, Jessica Michelle
Burke, Amanda
Cal, Julie
Caradonna, Krystal
Cartwright, Lindsay
Chesney, Bill Thomas
Dalton, Robert
Dell, Stephanie
Dhulipala, Venkata
Dick, Elizabeth A.
Down, Christopher
Duclos, Stephanie
Dunkley, Jessica
Feltz, Douglas Ray
Feng, Lena
Fernandes, Victor
Fletcher, Sarah
Gajewski, Mark
Gaudio, Stephen
Glofcheskie, Dianne C.
Griffith, Margot
Gross, Steven C.
Gudgeon, Chris G.
Hacko, Brian
Halfyard, Jon
Hill, Jonathan
Hiscocks, Grant
Housworth, Danielle
Hummel, John
Iwinski, Martin
Jennings, Gregory
Jessup, Paulette A.
Jiang, Cindy
Jodhani, Dhara
Johnson, Ryan Gilbert
Kashyap, Ritu Bala
Kendall, Bryan
Khandwala, Mariam
Kittmer, Trevor
Krupilnicki, Tanya
Labonte, Marcel
Lai, Christine
Lally, Jaspinder
Lerner-Klein, Maryana
Li, Manyuan (Mary)
Liddle, Craig
Loft, Michelle
Lovell, Barbara A.
Martinello, Paul J.
Marziali, Sara
McDonald, Tracey
McKendry, Lena
McLaney, Grant
McLeod, Heather E.
McWhirter, Zachary
Medina, Rachell
Merrill, Nicole Pauline
Mielke, Jill
Muthi, Liubita
Muthiah, Kannan
Nagapetian, Irene
Nielsen, Carol J.
Oluoch, Perpetua Adoyo
Park, Jin Su
Parker, Sheldon
Parks, Lucas
Parsons, Carrie-Anne Marie
Rizovska-Spasik, Sandra
Ryan, Jannessa Alyse
Sansom, Vaughan
Schiepan, Jessica
Scott, Brent Arthur Nelson
Seddon, Michelle Andrea
Shoulders, D. James
Sideris, George
Singh Bhatia, Sukhinderpal
Smith, Dempsey
Smolders, Francina
Spence, Meagan
Stark, Alexandra
Stark, Kenneth
Stephen, Craig
Stover, Craig
Taylor, Keirstin Kathleen
Thomas, Dianne
Thompson, Jamie
Trapman-Guthro, Valerie Elizabeth
Vilar, Maria C.
Wagner, Kazmer
Warren, Sarah
Widerska, Joanna Magdalena
Wijaya, Saret
Wilson, William
Zekirov, Elvis
Zhang, Zhenjiang
Zhang, Shu
Zhou, Yini (Elaine)
62 Insurance Institute of Ontario

Past Presidents
1899 - 1900 J.J. Kenny Western
1990 - 1901 H.Sutherland Equity Life
1901 - 1902 John B. Laidlaw Norwich Union
1902 - 1903 T. Bradshaw Imperial Life
1903 - 1904 P.H. Sims British America
1904 - 1905 F. Sanderson Canada Life
1905 - 1906 John B. Laidlaw Norwich Union
1906 - 1907 P.C.H. Papps Manufacturers Life
1907 - 1908 E. Williams Imperial Guarantee and Accident
1908 - 1909 L. Goldman North American
1901 - 1910 E.F. Garrow British America
1910 - 1911 W.C. MacDonald Confederation Life
1911 - 1912 Alfred Wright London and Lancashire
1912 - 1913 J.K. Pickett Imperial Life
1913 - 1914 G.P. Payne C.F.U.A.
1914 - 1915 W.H. Hall Canadian Surety
1915 - 1916 George B. Woods Continental Life
1916 - 1917 A.E. Blogg London and Lancashire
1917 - 1918 H.C. Coz Canada Life
1918 - 1920 H.W. Crossin Employers’ Liability
1920 - 1921 J.B. McKechnie Manufacturers Life
1921 - 1922 A.H. Rodgers Messrs. Brandon, Rodgers Ltd.
1922 - 1923 G. Cecil Moore Imperial Life
1923 - 1924 H.C. Wright Zurich General
1924 - 1925 W.A.P. Wood Canada Life
1925 - 1926 R.L. Jones C.F.U.A.
1926 - 1927 T.A. Dark Excelsior Life
1927 - 1928 R.L. Stailing Sun Insurance
1928 - 1929 V. Evan Gay C.C.U.
1929 - 1930 H.R. Stephenson Crown Life
1930 - 1931 A.W. Goddard C.F.U.A.
1931 - 1933 W.H. Burgess Canadian Surety
1933 - 1934 L.K. File Canadian Life
1934 - 1935 W.R. Houghton, F.I.I.C. London & Lancashire
1935 - 1936 J.H. Lithgow Manufacturers Life
1936 - 1938 J.H. Riddel, F.I.I.C. Eagle Star
1938 - 1940 C.E. Sword, F.I.I.C. Union of Canton
1940 - 1941 J.B. Alexander, F.I.I.C. Canadian Surety
1941 - 1942 John Fanning Employers’ Liability
2011 – 2012 Annual Report 63

Past Presidents
Continued
1942 - 1945 W.C. Butler, F.I.I.C. Pearl
1945 - 1949 N.J. Ross, F.I.I.C. Union of Canton
1949 - 1953 Norman Bethune, F.I.I.C. Home Insurance
1953 - 1954 A.J. Mylrea, F.I.I.C. Reed, Shaw & McNaught
1954 - 1955 T.H. Bell, F.I.I.C. General Accident
1955 - 1956 George F. Burne, F.I.I.C. London & Lancashire
1956 - 1957 L.L. Lewis, F.I.I.C. Springfield
1957 - 1958 W.F. Spry, F.I.I.C. Canadian General
1958 - 1959 R.M. Sketch, F.I.i.C. Phoenix
1959 - 1960 L.L. Rooke, F.I.I.C. Dominion of Canada
1960 - 1961 R.P. Simpson, F.I.I.C. Sun Insurance
1961 - 1962 Peter Armour Armour, Boswell
1962 - 1963 F.W. Bailey, A.I.I.C. Western
1963 - 1964 T.N. Johnson, F.C.I.I. Pearl
1964 - 1965 Sidney Gordon, F.I.I.C. Sterling Offices
1965 - 1966 A.E. Williams, F.I.I.C., CLA A.E. Williams & Co. Ltd.
1966 - 1967 J.F. Caird, F.I.I.C. Eagle Star
1967 - 1968 S.W. Duck, F.I.I.C. Great American
1968 - 1969 H.K. Ballantyne Canadian Reinsurance
1969 - 1970 J.J. Choate Aetna Casualty
1970 - 1971 H. G. Livingstone, F.C.I.I. Perth
1971 - 1972 Ridley Williams, A.I.I.C. Underwriters Adjustment
1972 - 1973 R.J. McKee, F.I.I.C. McKee Insurance
1973 - 1974 Richard M. Willemsen, BA, F.I.I.C. Sterling Offices
1974 - 1975 F.G. Elliott, F.I.I.C. Dominion of Canada
1975 - 1976 J. Campbell Norwich Union
1976 - 1977 Alan A. Horsford, BA, (Hons), F.C.I.I. Royal Insurance Canada
1977 - 1978 W.E. Toyne, F.I.I.C. Tomenson, Saunders, Whitehead
1978 - 1979 John C. McArthur, F.I.I.C. Safeco Insurance
1979 - 1980 L.S. Croth, F.I.I.C. L.S. Croth & Co. Ltd.
1980 - 1981 Harry J. Saunders, F.I.I.C. Zurich Insurance Co.
1981 - 1982 D.M. Batten, F.I.I.C., F.C.I.Arb. Mercantile & General Reinsurance Co.
1982 - 1983 John E. Lowes, BA, F.I.I.C., CIB (Ont) Irwin Sargent & Lowes
1983 - 1984 Gordon A. Chellew, BA, A.I.I.C. Crum & Forster of Canada Ltd.
1984 - 1985 Douglas G. Craib, F.I.I.C. Prudential Assurance Co. Ltd.
1985 - 1986 John Ingram, A.I.I.C. A.E. Williams & Co. Ltd.
1986 - 1987 Ian P. Emblin, F.C.I.I. Great Lakes Reinsurance Company
1987 - 1988 Arthur W. Despard, F.I.I.C., CRM Reed Stenhouse Ltd.
1988 - 1989 Kenneth G. Harris, F.C.I.I. Commercial Union Assurance Co. of Canada
64 Insurance Institute of Ontario

Past Presidents
Continued
1989 - 1990 Philip H. Cook, MBA, F.I.I.C. Focus Group Inc.
1990 - 1991 Les G. Burns, F.I.I.C. Underwriters Adjustment
1991 - 1992 Judy Maddocks, A.I.I.C. Royal Insurance Co.
1992 - 1993 Gerald A. Wolfe, Jr., BA, F.I.I.C. General Reinsurance Corporation
1993 - 1994 Ian MacKinnon, F.I.I.C. Informco Inc.
1994 - 1995 Andreas Schwartze, MBA, F.I.I.C. Metropole Insurance Marketing Int’l. Inc
1995 - 1996 Brian Croft, F.I.I.C. Zurich Canada
1996 - 1997 Patrick McFadden, BAdm, F.I.I.C., CFE Quelmec Insurance Adjusters (1987) Ltd.
1997 - 1998 Janice Reiner, F.I.I.C. The Co-operators General Insurance
1998 - 1999 Stuart Kistruck, CIP Pilot Insurance Company
1999 - 2001 David Simpson, MBA, FCIP State Farm Insurance Companies
2001 - 2002 Sharon Bridge, BA, FCIP State Farm Insurance Companies
2002 - 2003 H. Ross Totten, CCIB, FCIP Totten Insurance Group Inc.
2003 - 2004 Patrick King, FLMI, CIP Alea Canada
2004 - 2005 Paul Green, BA, FCIP Royal & SunAlliance Insurance Company
2005 - 2006 J.R. Tisdale, MBA, FCIP, CRM Pembridge Insurance Company
2006 - 2007 Paul W. Féron, CIP SCM Adjusters Canada Ltd.
2007 - 2008 Natalie Dupuis, CIP RBC Insurance
2008 - 2009 Bruce Pearson, FCIP Pearson-Dunn Insurance & Financial Services Inc.
2009 - 2010 André Fredette, BA, FCIP Caisse Centrale de Réassurance (CCR)
2010 - 2011 Carlos Rodrigues, MBA, CMA, FCIP North Waterloo Farmers Mutual Ins. Company
2011 - 2012 Paul Martin, CIP RRJ Insurance Group
2011 – 2012 Annual Report 65

Institute Staff
Insurance Institute of Ontario
18 King Street East, 16th Floor
Toronto, Ontario
M5C 1C4
Hours: Mon. - Fri. 8 a.m. - 5 p.m.
Phone: (416) 362-8586
Fax: (416) 362-1126
Internet address: www.insuranceinstitute.ca
E-mail address: IIOmail@insuranceinstitute.ca
Fax: (416) 362-1126 Exam Registrations
Fax: (416) 362-8081 Administration, Seminar & In-class Registrations
Members of Staff and Departments
Peter Hohman, MBA, FCIP, ICD.D
General Manager
Michael Divjak, BComm, FCIP, CRM
Vice President, Operations
Dawna Matton, BA, FCIP
Senior Director, Ontario
Angela Murray, BComm, CMA
Director, Finance
Ted Hellyer, FCIP, CRM
Vice President, Programs
Neil Toffick, MEd, BA, CIP
Registrar and Senior Director, Examinations
Rachel Cultess
Manager, Customer Service
Darlene Hastings
Executive Assistant
Livia Tersigni
IIO Manager, GTA
Tammye A. Daniels, BA
Marketing Specialist
Tracy Bodnar
Events Coordinator
Nancy Rivera
Education Coordinator/Seminars
Beverly Lewis-Hunte, BA
Education Coordinator/CIP
Michelle Seddon
Education Administrator - Agent Licensing (OTL)
Heather Tanner
Administrative Support
Chapter Staff
Cambrian Shield Chapter
Contact: Peter Hood, CIP
(416) 362-8586, ext. 2296
Fax: (416) 362-8081
E-mail: CambrianShieldmail@Insuranceinstitute.ca
Conestoga Chapter
Contact: Heather Graham
(519) 579-0184
Fax: (519) 579-1692
E-mail: Conestogamail@Insuranceinstitute.ca
Hamilton/Niagara Chapter
Contact: Dawn Cant-Elliott, FCIP, CAIB
(905) 574-1820
Fax: (905) 574-8457
E-mail: HamiltonNiagaramail@Insuranceinstitute.ca
Kawartha/Durham Chapter
Contact: Robert Munford, BA, CIP
(416) 362-8586, ext. 2296
Fax: (416) 362-8081
E-mail: Kawarthamail@Insuranceinstitute.ca
Ottawa Chapter
Contact: Ellen Legault, FCIP
(613) 722-7870
Fax: (613) 722-3544
E-mail: Ottawamail@Insuranceinstitute.ca
Southwestern Ontario Chapter
Contact: Wendy Barbour, FCIP
(519) 432-3666
Fax: (519) 432-5919
E-mail: Southwesternmail@Insuranceinstitute.ca
Customer Relationship Managers
Peter Hood, CIP
Robert Munford, BA, CIP
66 Insurance Institute of Ontario

Ontario
Student Registrations
2008–2012
CIP Ontario Registrations
5 years at a glance
FCIP Ontario Registrations
5 years at a glance
12,000 –
11,000 –
2008 = 8,625
2009 = 8,779
2010 = 9,131
2011 = 9390
2012 = 9,456
1,400 –
1,300 –
2008 = 1,299
2009 = 1,007
2010 = 916
2011 = 816
2012 = 852
10,000 –
1,200 –
9,000 –
1,100 –
8,000 –
1,000 –
7,000 –
900 –
6,000 –
800 –
5,000
2008 2009 2010 2011 2012
700
2008 2009 2010 2011 2012
2011 – 2012 Annual Report 67

PROFESSIONAL DESIGNATIONS
Chartered Insurance Professional (CIP) Program
Fellow Chartered Insurance Professional (FCIP) Program
CERTIFICATE PROGRAMS
General Insurance Essentials (GIE) Program
Rehabilitation Benefits Administration Program
Insurance Institute of Ontario
18 King Street East, 16 th Floor
Toronto, ON M5C 1C4
Toll-free: 1.866.362.8585
Phone: 416.362.8586
Fax: 416.362.1126
www.insuranceinstitute.ca
iicmail@insuranceinstitute.ca
KNOWLEDGE & SKILLS DEVELOPMENT
Insurance/Technical
Business/Management
Interpersonal/Communications
LICENSING & CE CREDITS
Life/Accident & Sickness (LLQP)
Agents and Brokers
Independent Adjusters
Continuing Education Credits