Its been a while

app/policies/baclight/employer_policy.rb

@@ -0,0 +1,15 @@
+class Baclight::EmployerPolicy < ApplicationPolicy
+
+  def id_cards?;   employer_rule?; end
+  def members_list?;   true; end
+
+  private
+
+  def employer_rule?
+    user.admin? || 
+    (user.employer? && record.employer_id == user.keychain[:id]) ||
+    (user.broker? && record.broker_id == user.keychain[:id]) ||
+    (user.carrier? && record.carrier_id == user.keychain[:id])
+  end
+
+end