Canadian P&C insurance: models, delivery and executive levers
Fourteen views of the Canadian property and casualty market, built from public filings and regulatory data: how carriers are structured and what that structure costs them, how a policy actually reaches a customer, where consolidation is running and where it has stalled, and which levers move an underwriting result rather than just moving the conversation. Every figure carries its source, and every chart has a table behind it.
The Rate Mask
Your premium grew 6% and you still lost 5% of your customers: split any year's reported growth into the part rate gave you and the part your book actually did, then watch it reverse as the market softens.
The Market Share Mirage
Your book grew 4% and the territory grew 10%: pick any of 94 Ontario regions, commit to whether you gained or lost, then watch a growth number reverse its meaning the moment it gets a denominator.
The Policy Wording Lab
Trace a claim through the wording and watch the verdict flip three times — what AI reads well, and how it fails.