Canadian P&C insurer explorer
Pick carriers, pick measures, see how they move. Built from OSFI's own quarterly returns — the only Canadian insurance data that may legally be republished — plus the Ontario mutuals' audited statements, which OSFI never sees.
Companies
Up to six. Past that, lines stop being separable no matter what colour they are.
Measures
Each renders its own chart. Ratios say what they are not, because the usual mistake is reading one as a combined ratio.
What this is, and what it is not
Every OSFI figure here is filer-level and comes from the PC1, PC3 and PC4 returns
published quarterly on Canada's Open Government Portal. The derivation is a
script, not a spreadsheet: npm run fetch:osfi rebuilds the whole
panel, and the margin it produces reproduces the nine carriers published in our
own research note to the decimal.
These are filers, not corporate groups. Desjardins files as three separate companies; Intact and TD each file more than one. Turn on the group view to combine them — the mapping is hand-maintained, because OSFI's subsidiary file only records where one filer owns another and misses sister companies under a common parent.
Federally regulated only. Wawanesa, Gore, Heartland, Portage la Prairie, Sandbox, Antigonish Farmers' and Clare are all here because they are federally incorporated. The Commonwell, HD Mutual and the rest of the Ontario mutuals are not: they file with FSRA, so they appear in no PC return. Those companies are hand-keyed from their published audited statements, marked audited, and carry only what a statement discloses — usually insurance revenue and nothing else. Their years do not line up with each other, so they render as points rather than lines. ICBC, SGI and MPI are absent entirely.
Three exclusions are applied before you see anything. Active subsidiaries are dropped, because they are already consolidated into a parent's return. Aviva's three intra-group fronting carriers are dropped by name — they post 0.0% margins flat across every year and would read as catastrophic underperformance. And claims are stored as magnitudes, because 21 filers report them negative and summing the raw values silently zeroes those companies.
The balanced-panel toggle is not cosmetic. Total Canadian insurance revenue appears to have grown 0.4% in 2025 while every large filer grew 4–13%. That gap is the filer count falling from 129 to 125, not a market outcome. Leave the toggle on unless you have a reason not to.
Source
Contains information licensed under the Open Government Licence — Canada. Office of the Superintendent of Financial Institutions, Property and casualty companies (PC1, PC3 and PC4 returns). Provincially regulated mutuals from the companies' own audited financial statements. Read the wider source list in the 2026 research roll-up, and the method behind the margin measure in the Canadian P&C research.