Thunder Bay Insurance

Group Contest – Official Rules and Regulations

Gary — Fri, 10 May 2013 19:28:14 +0000

Official Contest Rules and Regulations

Northbridge Insurance®

and Thunder Bay Insurance (a Division of Gillons) Group Contest – Official Rules and Regulations

1. ELIGIBILITY:

To be eligible for this Contest, an individual participant must:

Be a resident of Ontario, Canada and be of the age of majority or older at time of entry,and

Currently be a member, associate member, retiree or immediate family member of one of the ,

Thunder Bay Chamber of Commerce,

Education Employees Group (including educational employees of the Lakehead or Catholic school boards),

UA Local 628 Group (Plumbing and Pipefitting),

Port Arthur Health Centre,

Dilico Anishinabek Family Care (Employees Group Plan),

CAW Local 229 Group, or

Confederation College Employees Group

and

Request a no obligation quote from Northbridge Insurance* for an insurance policy under one of the seven (7) Northbridge Insurance group rate plans through Thunder Bay Insurance.

THE CONTEST IS VOID WHERE PROHIBITED BY LAW, RULE OR REGULATION, including any province in which

Northbridge Insurance and Thunder Bay Insurance are not authorized to sell the insurance a participant has requested.

Employees, officers and directors of Northbridge Insurance & Thunder Bay Insurance and their respective affiliates, subsidiaries, advertising, promotional, fulfillment and marketing agencies, and all of their immediate families (i.e. parent, child, sibling or spouse) and persons living in the same households as these individuals (whether related or not) are not eligible to participate in the Contest.

2. HOW TO ENTER

NO PURCHASE NECESSARY TO ENTER OR WIN. All eligible participants will be automatically entered. The Contest begins at 12:00:01 AM Eastern Standard Time (“EST”) on May 15, 2013 and ends at 11:59:59 PM EST on October 15, 2013.

3. PRIZING AND HOW TO WIN:

One (1) eligible participant from each registered group plan will win a Samsung Galaxy Tab 2 10.1.

The winning participants of the prize will be selected through seven (7) random draws from all eligible participants who are entered during the contest period. Maximum of one entry per person, per type of insurance quoted.

The prize draw will take place during regular business hours on Friday October 18, 2013.

Winner will be contacted within 5 business days of the end of the Contest period.

4. RELEASE

By entering the Contest, participants agree to release, discharge and hold harmless Northbridge Insurance and Thunder Bay Insurance and its affiliates, subsidiaries, agencies and their respective officers, directors, employees and agents, from any and all damages whether direct or indirect, which may be due to or arise out of participation in the Contest or any portion thereof, or the acceptance, use/misuse or possession of prizes. By participating, participants agree to be bound by these Official Contest Rules and Regulations, including all eligibility requirements, and to the decisions of Northbridge Insurance and Thunder Bay Insurance, whose decisions are final and binding in all respects. Failure to comply with these Official Contest Rules and Regulations may result in disqualification from the Contest. All, federal, provincial and local laws and regulations apply.

5. ENTRY BY MAIL (NO PURCHASE NECESSARY):

To enter by mail, , you must satisfy the elgibility requiremenst described above, print your first and last name, complete mailing address including postal code, home telephone number with area code, and email address (if available) on a 6″ x 4″ card. Only submissions written in blue or black ink will be accepted. Mail your card in an envelope to:

Northbridge Insurance

�

& Thunder Bay Insurance Group Contest Mail-in Entry

c/o Mary Lynn Douglas

14 N. Cumberland Street

Thunder Bay, ON

Canada, P7A 4K9

Entries must be postmarked no later than 11:59:59 PM EST on October 15, 2013. No responsibility or liability is assumed for lost, late, incomplete, stolen, misaddressed, misdirected, illegible or postage due entries or mail, or for any computer, telephone, cable, network, satellite, electronic or hardware or software malfunctions, failures, connections, traffic congestion, labour unrest, or unauthorized human intervention, or the incorrect or inaccurate capture of entry or other information, or the failure to capture any such information. Further and for greater certainty, entry forms that are improperly addressed, illegible or which do not precisely conform to the prescribed requirements will be considered invalid and void. Only one mail-in entry per person is allowed.

If any eligible person enters the contest more than once, he/she will only be counted once for the contest prize draw.

6. HOW TO CLAIM A PRIZE:

Selected participants will be contacted by telephone or e-mail. If the selected entrant cannot be contacted or does not respond after a minimum of three (3) attempts within seven (7) calendar days of the first attempt at contact, the selected entrant will forfeit the prize and another entrant will be selected in the manner described above.

When a participant is contacted such person shall have to answer correctly, and without assistance of any kind, a mathematical skill-testing question administered by Thunder Bay Insurance staff during a pre-arranged, mutually convenient telephone call. All decisions of Northbridge Insurance and Thunder Bay Insurance are final and binding.

Before being awarded a prize, the selected entrant will be required to sign a declaration and release form stating that he/she has read, understood and complied with these Official Contest Rules and Regulations, accepts the prize as offered with terms and conditions as included by Northbridge Insurance and Thunder Bay Insurance and releases Northbridge Insurance and Thunder Bay Insurance and their affiliates, subsidiaries, agencies and the respective officers, directors, employees and agents thereof from any and all liability of any kind arising out of the selected entrant’s participation in this Contest and receipt and use of the prize as awarded. If the selected entrant does not respond in the prescribed time, fails to claim the prize, fails to return the signed declaration and release as required or is otherwise ineligible, the prize may be forfeited and an alternate entrant will be selected in the manner described above. Northbridge Insurance and Thunder Bay Insurance reserve the right to post or publish the winner’s name, city, or province of residence, and photograph, likeness, voice or other statements on Northbridge Insurance and Thunder Bay Insurance websites for advertising and promotional purposes, where lawful, without further compensation to the winner.

7. ODDS OF WINNING:

Odds of winning depend on the number of eligible entries received.

8. LIMITATION OF LIABILITY:

Northbridge Insurance and Thunder Bay Insurance will not be responsible for mail, telephone, technical, network, online, electronic, computer hardware or software interruptions or failures of any kind, misdirected, stolen, incomplete, incomprehensible or delayed Internet/e-mail computer transmissions on account of technical problems or traffic congestion on the Internet or at any website, or any combination thereof, including any injury or damage to a participant’s or any other person’s computer relating to or resulting from participation or downloading any materials in this Contest.

Northbridge Insurance and Thunder Bay Insurance extend absolutely no representations or warranties in respect of any prizes and accepts no liability arising in respect of such prizes or in the use thereof.

If for any reason in the opinion of Northbridge Insurance and Thunder Bay Insurance, in their sole discretion, Northbridge Insurance and Thunder Bay Insurance need to modify the Contest, the Contest is not capable of running as planned or if the administration, security, fairness, integrity, or proper conduct of the Contest is corrupted or adversely affected, including without limitation by reason of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes, Northbridge Insurance and Thunder Bay Insurance reserve the right to cancel, terminate, modify or suspend the Contest, including without limitation the cancellation of any method of entry or the extension or modification of contest start and end dates. In such circumstances, Northbridge Insurance and Thunder Bay Insurance reserve the right to randomly select a winner from previously received valid entries. All federal, provincial, local, and other taxes on the prize, if any, are the sole responsibility of the winner

9. LEGAL WARNING:

Any attempt by any individual, whether or not a participant, to damage, destroy, tamper or vandalize the Contest, or otherwise interfere with the operation of this Contest, is a violation of criminal and civil law and Northbridge Insurance and Thunder Bay Insurance reserve the right to seek damages and diligently pursue all remedies in this regard against any offending individual or entity to the fullest extent permissible by law.

10. GENERAL INFORMATION:

This Contest is conducted in English, and any and all disputes will be resolved in the appropriate courts of the Province of Ontario, Canada exclusively, and subject to the laws of Ontario without regard to its conflict of laws principles.

11. TERMINATION:

Northbridge Insurance and Thunder Bay Insurance reserve the right to amend or terminate all or any portion of this Contest at any time for any reason without prior notice.

12. LAWS:

This Contest and these Official Contest Rules and Regulation shall be governed by the laws of Ontario, and the laws of Canada applicable therein. These Contest rules are subject to change without notice in order to comply with any applicable federal,

provincial and municipal laws or the policy of any other entity having jurisdiction over Northbridge Insurance and Thunder Bay Insurance.

13. PERSONAL INFORMATION.

By participating in the Contest, each participant agrees that his or her personal information collected pursuant to the Contest can be collected, used and disclosed by Northbridge Insurance and Thunder Bay Insurance for the purposes of providing an insurance quote and contacting them in the event their name is drawn.　　

* Policies underwritten by Northbridge Personal Insurance Corporation.

® Trademark of Northbridge Financial Corporation (“Northbridge”). Used under licence from Northbridge.

May st. location has moved

Gary — Tue, 30 Apr 2013 17:09:37 +0000

Effective Monday April 29, 2013 our location at 121 S. May st. has moved to our head office at 14 N. Cumberland st. Please call 807-345-3611 between 8:30 am and 5:00 pm Monday to Friday.

We are pleased to introduce…

Gary — Tue, 30 Apr 2013 17:03:45 +0000

Thunder Bay Insurance is proud to introduce two new service team members to our organization!

Jolene Desbiens

Account Manager

807-346-3642

Email: jdesbiens@tbayins.ca

Luc Romaniuk

Account Manager

807-346-3645

Email: luc.romaniuk@tbayins.ca

We want to welcome Jolene and Luc to our Personal Lines Division!

Put your car keys beside your bed at night

Gary — Tue, 15 Jan 2013 20:05:11 +0000

Excellent tip found and worth passing on!

If you hear a noise outside your home or someone trying to get in your house, just press the panic button for your car. The alarm will be set off, and the horn will continue to sound until either you turn it off or the car battery dies… Click on link below to read more.

https://www.facebook.com/photo.php?fbid=314586015327205&set=a.265581016894372.64870.265573826895091&type=1&ref=nf

Introducing Tom Gilham!

Gary — Thu, 13 Dec 2012 20:49:58 +0000

Tom Gilham has joined our Commercial Insurance Team as a Licensed Broker. Tom recently returned to Thunder Bay after spending 5 years in Calgary working as a Group Benefits Account Executive with Alberta Blue Cross. Tom attended Port Arthur Collegiate and graduated Humber College as a CPGA Golf Professional and Instructor. An avid fisherman and skier, Tom is happy to be back in his hometown and excited to be the newest member of our commercial team.

John Henderson joins the Thunder Bay Insurance (Division of Gillons’ )

Gary — Fri, 16 Nov 2012 21:02:24 +0000

John Henderson has joined our team as Marketing Director and Licensed Broker. John has been involved with the company for over ten years guiding our marketing through his Advertising Agency. It was John who called us the “little company that grew”. In his new role he will be responsible for marketing in the nine communities in Northwestern Ontario served by Thunder Bay Insurance and Gillons’ Insurance. John attended the University of Missouri, Lakehead University and holds an advanced certificate in Mediation, Negotiation and Arbitration from Windsor Law School. He currently sits a board member of the Thunder Bay Airport Authority.

John will also be joining our Commercial Sales Team as a Licensed Broker. We welcome his years of experience and involvement in our community to the company.

Daylight Savings Damage Control

mike — Wed, 09 Mar 2011 21:06:06 +0000

An interesting article was sent our way in the form of the March 2011 St. John Ambulance Newsletter. It discusses the surprisingly dramatic impacts our bodies face when we lose an average of 40 minutes of sleep with the spring time change. After discussing impacts, the article highlights some things you can do minimize the effects of the time change including:

Practice
Stay Awake
Soak of the Sun
Darken your Evenings
Exercise
Take it Easy

Click here for the full article, including drill down on the above coping strategies they provide.

The Digitial Age

mike — Fri, 04 Mar 2011 21:27:37 +0000

How’s this for something amazing:

In a study published by the Journal Science, it is estimated that the amount of data stored in digital form is calculated at 295 exabytes! That is a colossal amount of information.

How much is 295 exabytes? Well, traditionally computer storage has been measured in bytes. You have (in order from lowest to highest) kilobytes, megabytes, gigabytes, terabytes, petabytes and finally exabytes. One exabyte is a billion gigabytes!

If we took all that data and transferred it to books we could cover the US or China in 3 layers of books! Or if we stored it digitally on CDs it would create a stack of CDs that would reach beyond the moon.

Check out the full article using the following link:

http://www.bbc.co.uk/news/technology-12419672

Gary Baxter is a Technology Advisor at Thunder Bay Insurance.

What is Your Home Worth? Insurance to Value

mike — Thu, 10 Feb 2011 21:32:17 +0000

As an Insurance Advisor I have to ask a lot of questions to get all the information required to properly insure a client. When discussing homeowners insurance with clients, and especially first-time homebuyers, the majority of the people I talk to have the same the question when we discuss coverage:

“Why in the world is the amount of coverage on my dwelling/building so high?”

This question is usually followed by comments like: “I couldn’t sell my house for this,” or “I didn’t pay even close to that for this house.” The thing to know in this case is that we are not insuring a house for fair market value, or what two people can agree to buy or sell a house for, but rather we are insuring it for its replacement cost.

To determine replacement cost of a home, we ask questions like:

How many square feet is the home?
Are there any decks on the home?
AND
Is there a garage?

All of these questions are used to determine the current cost to rebuild your home with today’s prices for materials and contractors. Insurance companies insure the house for what it would take to rebuild the home from scratch, as well as incorporate the costs for removing the debris from the house if a disaster were to take place. It is very important to get accurate answers to the questions during the process to make sure your home is insured for the current value needed to replace it with like quality or kind.

Many times, while completing a review for a client, I will find the home is actually underinsured, and will bring it up to its current replacement cost. Many people rely on the guaranteed replacement cost often included in a homeowners’ insurance policy, but this endorsement will only take effect if a current Insurance to Value (ITV) has been completed on the home. Many people also focus on looking for the “cheapest” price when insurance shopping, but this is a mistake. It is important to consider the replacement cost of your home so there are no surprises later. For example, when writing up your policy, many insurance companies will search for your home using Google Maps to see if the house you’ve described in the paperwork matches what they see on Google Maps. If there are discrepancies, they will raise the replacement cost of your home so it is properly insured, and in turn will raise your premium. The “cheapest,” best deal you thought you had is no longer the “cheapest” and best.

Get the details right the first time and have your Insurance Advisor look at the replacement cost of your home at least every 3-5 years to ensure its value is accurate and up-to-date so your guaranteed replacement cost coverage will kick in in the unfortunate event of a claim.

Managing & Motivating Employees in Their Twenties

mike — Mon, 07 Feb 2011 21:08:09 +0000

Being a twenty something employee in an industry renowned for Baby Boomers, I found this article extremely pertinent to my situation. Gen X’s perception of twenty somethings can sometimes be skewed when it comes to determining motivation. This is not their fault; we’ve been brought up in different generations with dissimilar ideals and moulded by unique events.

The Harvard Business Review article, written by Michael Fertik, explains the techniques he uses to manage Gen Y’s in his business. Fertik explains how Gen Y’s view rewards and consequences, which may be a stark contrast from the previous generation. In doing so, he details twelve situations in which a manager may have to alter their technique to motivate young employees.

Being a 28 year old employee, I can definitely vouch for Fertik’s techniques, and have had the fortunate opportunity to experience these situations in practice. Using his suggested techniques will not only enable learning but also work to engage young employees. Fertik concludes that understanding motivational differences is key to properly and effectively managing young employees.

To view Michael Fertik’s full article, visit:

http://blogs.hbr.org/cs/2011/01/managing_employees_in_their_tw.html#