Gamble Insurance acquired by Hub International

By Paul Morden, Sarnia Observer

Gamble and Associates Insurance, a company that began in Sarnia in 1948, has become part of the Chicago-based insurance brokerage, Hub International.

Hub’s acquisition of Gamble, a company with 75 employees working at nine locations in southwestern Ontario, was announced this week.

Gamble president Barry Hogan will join Hub Ontario as president of its new Hub Gamble division.

“We’ve been in the Sarnia-Lambton, Chatham-Kent, London community for years and years and years,” Hogan said.

“This just allows our business to continue to grow, while at the same time not disrupting our client base.”

Hogan said will be “business as usual” for Gamble’s clients and staff, following the change.

“But we have a whole depth of tools now available to us we can utilize to help grow the business.”

Hub said in a press release the acquisition doubles the company’s offices in Ontario to 18, with more than 650 employees.

Hogan said the name of the division will change to Gamble Hub International Insurance Brokers.

“We’ve already started ordering some signs, and that process will slowly happen,” he said.

Notices will also be sent to Gamble’s customers in the coming weeks to let them know about the change and “assure them that it’s business as usual from the standpoint of their daily needs,” Hogan said.

“It’s the tools behind the scenes that are really going to help us grow.”

Along with Sarnia, Chatham-Kent and London, Gamble has offices in Petrolia, Forest, Wallaceburg, Ridgetown, Thamesville and St. Thomas.

“Southwestern Ontario is an important community to the economic development of Ontario and Hub is excited to be making the Sarnia-Lambton area a new home for our organization,” Robert Keilty, president and CEO of Hub Ontario, said in a press release.

Bill Gamble started Gamble Insurance in 1948 out of his house in Sarnia.

“Bill was well, well known around the community,” Hogan said.

In the early 1970s, Hogan’s father, Barry Hogan Sr., purchased Gamble Insurance and it continued to expand in the following years.

Hogan, 42, has been involved in the business for more than 20 years.

Terms of the acquisition were not disclosed.

Hogan said that along with the opportunity to continue growing, a key consideration in the decision to become part of Hub International was a desire to provide stability.

“We wanted to make sure that we were committed to the area,” he said.

“We plan to be here.”

Hogan said a photo of Bill Gamble is still on display in the company’s lobby.

“We don’t want to forget our roots,” he said.

“We just want to continue to grow on where we’ve come from.”

Hub International was formed in 1998 with the merger of 11 Canadian insurance brokerages and expanded the following year to the U.S. and Western Canada. The headquarters moved to Chicago in 2001 and the company’s website says it is now ranked among the largest insurance brokers worldwide.

“It’s very exciting times,” Hogan said.

“When we look out we just see there’s great opportunity, and that’s why we wanted to partner with such a great organization.”


The Ups and Downs of Backyard Trampolines

By Cynthia P. Carels, K. Hollick Chipman

Every year when our family’s perennial garden starts blooming with the colours of spring, the perennial crop of backyard trampolines predictably pops up in our local big box and hardware stores. After long Canadian winters, parents are understandably anxious to get their kids outside again, and what better lure than a new piece of recreational equipment that is sure to attract all the neighbourhood friends?

Unfortunately, the attractiveness of recreational equipment such as trampolines and swimming pools can create insurance coverage problems for homeowners who choose to bring them onto their property. Homeowners’ “How can homeowners with trampolines try to protect themselves?” for this sort of equipment because of the liability hazards they present.

Despite the known health benefits of trampolining (in particular, cardiovascular fitness), The American Academy of Pediatrics, the Canadian Pediatric Society, the Canadian Academy of Sport and Exercise Medicine, and Alberta Health Services have all gone so far as to recommend that trampolines NOT be available for use at homes, schools or playgrounds. Regardless of these position statements, however, the sales of backyard trampolines have continued to soar, as has the popularity of indoor trampoline parks.

How can homeowners with trampolines try to protect themselves? First, make absolutely sure to advise your insurance company of the trampoline, and ensure your policy includes coverage for this particular risk.Secondly, the Canada Safety Council has provided a safety-tip sheet for backyard trampolines that is worth reviewing, and making a household commitment of strict adherence.

This may not be enough however, because of the incredibly strong lure this kind of equipment poses to young children. Even if a child does not have permission to use a homeowner’s trampoline (or has been expressly told they are NOT allowed to use it), the simple fact that one is accessible on a property can expose an owner to liability. Section 13 of Alberta’s Occupiers’ Liability Act, RSA 2000, c. O-4, for example, has a special provision that prescribes a high duty of care owed to child trespassers.

READ MORE HERE: Backyard Trampolines

Economical commits $109,500 to the fight against cancer

WATERLOO, ON, June 2, 2015 /CNW/ – Today, more than 60 per cent of Canadians diagnosed with cancer will survive compared with only 25 per cent in the 1940s when the Canadian Cancer Society first began funding research. Tremendous progress has been made against the disease but overall cancer cases are increasing because ofCanada’s growing and aging population. Much more work needs to be done.

To fund this work, the Canadian Cancer Society hosts Relay For Life events across the country. People can participate in these events at any age or fitness level. Every step taken at Relay For Life helps fund promising cancer research, community support services and other important work so that fewer Canadians are touched by the disease.

Economical Insurance is proud to once again support the Canadian Cancer Society in 2015 with of $109,500 in title sponsorship of 10 Relay For Life events in Ontario — three in the Kitchener-Waterloo area, three in Ottawa, and two in Toronto — in addition to an event at Quartier DIX30 in Brossard, Quebec.

“Corporate sponsorships are essential to the success of our Relay For Life events,” says Lesley Ring, vice-president, development and marketing for the Canadian Cancer Society in Ontario. “We deeply thank Economical Insurance and its employees for generously supporting us for the past 10 years.”

“Relay For Life is our largest fundraising initiative of the year,” says Suzanne Dubois, executive director of the Canadian Cancer Society in Quebec. “Every dollar raised from these events helps the Canadian Cancer Society have more impact against more cancers in more communities across Canada. Our donors are helping researchers discover life-saving treatments and providing support programs to those living with cancer.”

Relay For Life is the Canadian Cancer Society’s signature fundraiser. These events are six- or 12-hours long and challenge teams to fundraise and take turns walking or running around a track for 5 km, 10 km or more. Teams go the distance to show support for people who have experienced cancer. Since 1999, Relay For Life has raised more than$496.5 million in Canada for cancer research and support programs.

“At Economical, we have proudly sponsored Relay For Life events since 2006,” said Karen Gavan, Economical’s president and chief executive officer. “This year, we have raised our sponsorship commitment toward the fight for life and against cancer. Relay For Life helps to fund life-saving cancer research and promote healthy lifestyles which can help stop cancer before it starts. It’s also good to know that the Canadian Cancer Society offers compassionate services and support to those living with cancer and their families and friends.”

Join Economical Insurance and its employees by registering for a Relay For Life event. Learn more at

About Economical Insurance
Founded in 1871, Economical Insurance is one of Canada’s leading property and casualty insurers, with $2.0 billion in annual premium volume and $5.2 billion in assets as at March 31, 2015. Based in Waterloo, this Canadian-owned and operated company services the insurance needs of more than one million customers across the country. Economical Insurance conducts business under the following brands: Economical Insurance, Economical, Western General, Economical Select, Perth Insurance, Family Insurance Solutions, Federation Insurance and Economical Financial.

SOURCE Economical Insurance

For further information: Doug Maybee, Economical Insurance, (T) 519.570.8249, (C) 519.404.0989,

Sharp Mobile eases insurance brokers’ daily demands

Sharp Mobile eases insurance brokers’ daily demands

Small insurance brokerages can struggle to keep up with day-to-day business processes such as sending confirmation of coverage, policy details and pink cards and reviewing payments. When a broker’s day is made up of these transactional calls, it leaves little room for acquiring new business. On the other hand, consumers want immediate service. They no longer have the time to go in and talk to their broker or wait on the phone.

Sharp Mobile provides small brokerages with a web portal and mobile app that enables their customers to do everything online and on their smartphones — from accessing digital pink cards to making payments, viewing policy details, understanding coverage details, submitting claims and requesting changes.

Here’s more from our conversation with Sharp Mobile founder and president Sherif Gemayel:

How did you come up with the idea for your startup? Was there an “ah ha” moment?

The inception of Sharp Mobile was due to my insurance company’s rapid growth and need for tools to help alleviate the stress placed on brokers. After one year of testing, we witnessed a significant decrease in calls and were able to focus on qualitative service all while continuing to grow the business. We realized that this would be an effective tool to help other small brokerages compete with multi-million dollar direct insurance writers.

What has been the biggest challenge so far? What have you done to solve it?

Our biggest ongoing challenge that we have yet to overcome is the government’s acceptance of digital pink cards. Even with the growing demand for more online resources, the insurance industry remains behind the times by still using outdated paper methods for insurance proof. Paper insurance cards are easier to forge and open doors for insurance fraud, which will ultimately result in higher insurance premiums for everyone. Trying to convince the government to accept digital pink cards is our major focus right now.

What would like to share with others just starting out?

Our success has been our innovation. We observed a need in the market and developed the technology for it. The best advice we can give to new entrepreneurs is to continually evolve. Whatever your ideas are and whatever you want to do, keep developing it and evolving it. Most importantly just start. Take that first step and the momentum will carry you the rest of the way.

The most valuable resource for any startup is people. Whether it’s your best friend who is a successful entrepreneur, or an associate who has achieved the level of success you wish to emulate, ask questions, pick their brains, and let them mentor you and your startup.

Research is another key aspect. Know your market and know your competitors. What can you offer that others are not?

What made you choose to go down the path of entrepreneurship?

I have gone into business for myself once before. It was risky and it unfortunately failed. I went back to working in oil and gas making a fairly good wage until one day I saw a problem that I wanted to solve. My best friend at the time was working in sales for an insurance broker, making connections and acquiring new business from networking and word of mouth. I couldn’t believe how antiquated the insurance brokerage industry was at the time, and in many ways, continues to be that way. I saw that as a great opportunity to get back into the game.

What are your thoughts on our startup ecosystem?

Our province is very entrepreneurial and has many resources you can go to when starting up your own business. However, we need to diversify away from oil and gas and look at putting resources into the technology sector that has the potential of bringing in a lot of capital to our economy.

What do you and your startup need help with?

The most important breakthrough we want to accomplish is to finally have digital pink cards accepted officially by the Alberta government. This alone will save so many people so much time and money. It just makes natural sense to head in this direction. For more information, visit

Minding The Gap: A Cautionary Tale For Insurance Brokers

By Barry S. Stork |

The Ontario Superior Court of Justice recently allowed a motion for summary judgment against an insurance brokerage and the individual broker for failing to meet their duty of care to arrange adequate insurance coverage.1

The insured was involved in a motor vehicle accident while operating his leased vehicle. The vehicle carried $1 million in primary limits under a policy issued to the lessor. The insured alleged that he had also provided a clear mandate to his broker to ensure that there was umbrella coverage on the vehicle. Although the broker had arranged umbrella coverage with limits of $15 million, the policy language contained an exclusion for long-term leased vehicles. The umbrella insurer had advised the broker about this exclusion but the broker had failed to advise the insured. After the motor vehicle accident, the umbrella insurer relied on this exclusion to deny coverage.

As a matter of contractual interpretation, the court held that the exclusion applied and that coverage was not available. The court then turned to a broker’s duty of care and confirmed that they are obligated to advise an insured as to any gaps in coverage and to make all reasonable efforts to ensure that the insured was properly protected. The court rejected the assertion that the breach of duty had not caused the insured any damage, finding it inconceivable that the insured would not have taken alternative steps to ensure the vehicle was properly protected had it known of the gap in coverage.

Critical to the court’s analysis was an admission in the statement of defence, which indicated that the brokerage had always intended that there would be umbrella coverage. The court found that this admission was inconsistent with the position taken regarding the duty of care issue.

Insurance brokers who take an active approach in discussing any known or potential insurance gaps with their insured will minimize the likelihood of liability should their insured suffer any uninsured loss. In addition, this decision illustrates the importance of having a cohesive plan in defending insurance coverage claims. Insurance brokers (and their lawyers) should develop a cohesive and consistent defence at an early stage in an action.

1 Dustbane Products Ltd. v. Gifford Associates Insurance Brokers Inc., 2015 ONSC 1036, [2015] O.J. No. 854 (S.C.J.).

NOT LEGAL ADVICE. Information made available on this website in any form is for information purposes only. It is not, and should not be taken as, legal advice. You should not rely on, or take or fail to take any action based upon this information. Never disregard professional legal advice or delay in seeking legal advice because of something you have read on this website. Gowlings professionals will be pleased to discuss resolutions to specific legal concerns you may have.

SGI and police focusing on new drivers in June



Police will be watching for new drivers not following restrictions outlined in the Graduated Driver’s Licensing (GDL) and Motorcycle Graduated Driver’s Licensing (MGDL) programs throughout the month of June.

New and supervising drivers should know and follow the restrictions to stay safe. All new drivers, regardless of age, must successfully complete the applicable GDL program, before they graduate to an experienced licence.

The GDL programs help gradually move new drivers into higher risk driving situations with certain driving restrictions. Each program has three stages: Learner, Novice 1 and Novice 2.

New drivers must comply with the following restrictions in each stage of the GDL program:

  • no cellphone use while driving, not even hands-free;
  • the number of passengers is limited to the number of seatbelts;
  • cannot be a supervising driver for another driver in the GDL program; and
  • unable to obtain a commercial driver’s licence.

GDL drivers also have different passenger restrictions in each stage since distractions increase as the number of passengers increase. The GDL programs don’t focus on age, they focus on experience.

“Practice is essential,” says Ken Claffey, Driver Education Manager, Saskatoon Public Schools. “The nine-month learner stage is not just to prepare the new driver to pass a road test – it’s to prepare them to be a safe driver and stay alive on the road.”

New last summer, the following restrictions were added to the MGDL program. All new motorcycle riders:

  • must wear protective gear;
  • must display a red learner ‘L’ or green novice ‘N’ placard; and
  • may be restricted to engine size.

There is zero drug and alcohol tolerance for new drivers, regardless of their age, in both the GDL and MGDL programs. Additional restrictions specific to each stage of the GDL and MGDLprograms are outlined as well.

Claffey recommends parents start instilling road safety habits at a very early age. “If they’re taught the rules of the road as young pedestrians and cyclists, those road safety habits can help them become a safer and more aware driver when they’re older.”

Do you have a new driver in the family? A lot has changed!

If you received your licence before 2005, you wouldn’t have gone through the GDL program. If you have a new driver in the family, you can help them move through the stages safely by putting them in the driver’s seat as much as possible.

“As a supervising driver, your number one job is to pay attention to what’s happening and to coach and correct the new driver,” said Claffey. “They need to be prepared to handle any situation for when they no longer have you by their side. Are they ready to drive without you? Are you ready for that?

“Give your new driver as much seat time as possible when you are with them. The more they drive, the better they get. And remember, new drivers are impressionable and will pick up the supervising driver’s habits – whether they’re good or bad. So hang up, buckle up and follow the rules of the road.”

View more information about the GDL program, MGDL program or the Road Safety Challengeand how #wecandrivebetter.

About SGI

Saskatchewan Government Insurance (SGI) is the province’s self-sustaining auto insurance fund. SGI operates 21 claims centres and five salvage centres across Saskatchewan with a head office in Regina. SGI also works with a network of over 400 motor licence issuers across the province. Customers can now do some transactions online. Look for the MySGI link under Online Services on your motor licence issuer’s website or SGI’s website.

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