MAGAZINE

CONTRIBUTORS

ADVERTISING ( National ) ADVERTISING ( Local )

PHOTOGRAPHY

Jim Estill David Karandish Patrick Bet-David Joe Polish John DiJulius Eric Fry Dr . Brad Smart Alex Maness Neil Lebovits Kevin Lea Dr . Ziv Feldman

Keith Keane Alannah Amantea

All images sourced from Carle Publishing Inc . or iStockphotos . ca unless otherwise identified .

1.800.565.8132

600 -1000 Centre Street N Calgary , Alberta T2E 7W6 Ph : 403.296.2400 • Fax : 403.296.2439 www . rogersinsurance . ca

Rogers Insurance Risk & Business Magazine TM is published by Carle Publishing Inc . All content , copyright © 2016 , Carle Publishing Inc . All rights reserved .

Risk & Business Magazine TM is a valued and recognized trademark of Carle Publishing Inc . This publication may not be reproduced , all or in part , without written consent from the publisher . Every effort has been made to ensure the accuracy of all content in this publication , however , the publisher nor Rogers Insurance will be held responsible for omissions or errors .

Articles , reports and information contained herein reflect the views of the individuals who wrote or prepared them and do not necessarily represent the position of the publisher or Rogers Insurance . The material herein is intended for educational and informational purposes only . Nothing herein is to be considered the rendering of insurance advice for specific cases or circumstances . Communication of any legal information contained herein does not constitute an attorney-client relationship , nor convey legal advice or recommendation of any kind . Do not rely on information contained herein to replace consultation with qualified brokers , attorneys or other professionals in your jurisdiction .”

Please address all editorial and advertising inquiries to Carle Publishing Inc ., Email : andy @ carlepublishing . com . Carle Publishing Inc . is not held responsible for the loss , damage or any other injury to unsolicited material ( including but not limited to manuscripts , artwork , photographs and advertisements ). Unsolicited material must be included with a self-addressed , overnight-delivery return envelope , postage prepaid .

Carle Publishing Inc . and Rogers Insurance will not give or rent your name , mailing address , or other contact information to third parties . Subscriptions are complimentary for qualified individuals .

CARLE PUBLISHING Toll Free : ( 877 ) 719-8919 , Fax : ( 866 ) 609-5674 Email : info @ carlepublishing . com

Website : www . carlepublishing . com