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PLB Insurance
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Better Decisions Through Risk Awareness
Better Decisions Through Risk Awareness

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Do you hear what I hear?
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Drinking and Driving is neither Merry, nor Bright!

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PLB Insurance is now offering Personal insurance.  From your home to your car, your toys to your treasures, we've got you covered!
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Laugh for Life Gala 2015

October 24th  Get your tickets today at the Winspear Box Office

Featuring the comedy talents of Chonda Pierce and Jonnie W

laughforlife.ca    https://tickets.winspearcentre.com/event/performance/4648
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Employee of the month. 
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IT Professionals - Exposing the Risk
A lot times IT Professionals are small or even one person operations. Working from a home computer and not seeing clients face-to-face leads many IT Professionals to believe they have little to no exposure for Errors and Omissions Claims. Below are ten cases where an IT Professional was sued by a client:
1.Client becomes impatient over delays in web development and sues for $650,000...
2.Sensitive data on stolen laptop leads to class action lawsuit
3.Computer programming error in website coding
4.New point-of-sale software installed by insured software developer cripples business
5.Software developer sells defective software to software distributor
6.Claim for business interruption due to call centre failure
7.Incomplete backup of files during transfer to new server leads to claim for $30,000
8.Suit brought against consultant for installation of deficient software
9.Design of software not compatible with existing system results in claim for misrepresentation and negligence with respect to design
10.Consultant sues for non-payment of fees
The above is not a list of what could happen, but rather what did happen. Real cases. Protect yourself from errors and omissions exposure. Call us for a quote. 780-469-7668. For more details on these cases, please visit Encon.ca

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A&M is an insurance product specifically designed to meet the needs of allied health and medical (A&M) providers and complementary therapists. Most individuals and businesses operating in this environment are suitable for the A&M - Health Professionals product, including meals on wheels providers, dieticians, nurse aides, counsellors, acupuncturists, occupational therapists and many more.
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I try to discover, a little something to make me sweeter: A Little
R E S P E C T!
I hate traffic. I just hate it, but it's a fact of life. So, I decided instead of being angry, frustrated, and impatient behind the wheel, I'll give what I want from others: courtesy and respect.
Does this mean letting in every j-e-r-k that races to the front of a line of traffic because he thinks he's too important to wait like every one else? No. So, how can I become the kinder, gentler driver? It's actually not that hard. Here are some tips that have worked for me:
1. Save the left lane for passing.
It's not up to any driver on the road to decide how fast another motorist should drive. That's a matter for the police. I know you like looking out at clear highway in front of you. I know you think that it's fine to go five over the limit when you're camped in the left lane. But there are half a dozen cars behind you and they're going have to pass you on the right. So, if you are in the left lane, and you see someone coming up fast behind you, get out of the way. You drivers in the middle lane: let them in.
2. Zipper Merge
When you are coming up to the end of a lane, or are merging onto another roadway, zipper merge. This way, traffic keeps moving. If traffic has to stop, don't drive all the way to the front of the line and then jam yourself in. This prevents traffic from moving forward. You learned how to line up in kindergarten. Now, it's time to use those skills.
3. Look Further Down the Road
When you look farther ahead of you, you see cars changing lanes earlier, you see your exit coming up earlier, you see accidents happening earlier. It's a little trick that means fewer surprises for you, more time to react, and less drama behind the wheel for everyone involved.
4. Leave Some Room Between You and the Car In Front
This one goes right along with looking further ahead — if you leave more space between you and the car in front, it gives you more time to react to sudden changes. What's more, leaving a good gap in front of you lets you smooth out the stop-and-go of bumper-to-bumper traffic. As well, it will improve your chances of not causing a rear-end collision.
5. Turn off your high beams
Do you like getting blinded by oncoming cars with their brights on? No, you do not. So don't do it to other people.
6. Don't Stop When you Have the Right of Way
You might think you're being courteous by letting someone else go ahead of you on the street or at a stop sign. Actually, you're disrupting the flow of traffic and slowing everyone down. If it's your turn, go.
7. Use Your Turn Signals
The best way to let someone know what you intend, and to avoid an accident is to use your signal lights. They're easy to use. Left and right.
8. Allow More Time for your Commute
Give yourself more time and suddenly you don't mind so much about getting cut off, you don't rush to cut off other drivers, and you don't spend your whole life wishing you were farther up the road. Less stress, less aggravation, less road rage.
9. GIVE A THANK YOU WAVE
Let courteous drivers know you appreciate their efforts to make your commute better. Even if you think someone HAD to let you in, still give a wave. It doesn't cost you anything, and you may just end up making someone's day.
10. Don't be this guy:
http://www.ctvnews.ca/…/man-charged-in-chainsaw-road-rage-i…

Man charged in chainsaw road rage incident
A Quebec man has been charged after he allegedly threatened a family with a chainsaw during a road rage incident caught on video Sunday.
ctvnews.ca
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