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  • Membership

    The Institute for Catastrophic Loss Reduction (ICLR) was established in 1998, initially as an initiative of the insurance community, Western University (nee University of Western Ontario), the Ontario Research and Development Challenge Fund, and other partners to reduce the loss of life and property caused by severe weather and earthquakes. The ICLR is working to build society’s resilience to natural disasters.


    Our General Members are insurers and reinsurers that conduct business in Canada or reinsure risks located in Canada.

    ICLR 2025 Annual Report

    The ICLR Strategic Plan 2026 to 2030

    General Membership

    Eligibility

    • Insurers who write property or casualty insurance in Canada
    • Reinsurers who reinsure those risks

    Your membership in the Institute for Catastrophic Loss Reduction will indicate to managers and policyholders of your commitment to both to safety and the overall cost of property insurance. Al licensed insurers who write property or casualty insurance in Canada, and all licensed reinsurers who reinsure those risks, are eligible for membership in the Institute for Catastrophic Loss Reduction (ICLR). All others are eligible for Associate Membership.

    Our insurer company members pay dues annually according to their company’s net written premiums or assumed premium for reinsurers). Members are assessed $6,600 each year plus $33 per million of direct written premium ($16.5 per million in assumed premium for reinsurers) in the previous year

    General membership also entitles you to these benefits

    • Eligibility to serve on ICLR’s Board of Directors
    • One vote on each matter submitted to a vote of the membership
    • Eligibility to participate on ICLR committees
    • Access to ICLR analyses, publications and research papers
    • Direct access to ICLR staff, library and other resources
    • Advance notice and reduced fees for admission to all conferences and workshops

    Associate Membership

    Eligibility

    Associations that support the mission of the ICLR.
    Associate Members of ICLR are publicly expressing their support for the Institute’s mission of improving disaster safety. We invite you to join the organizations and individuals who, working cooperatively, are helping to develop a safer future for all.

    Associate Membership entitles you to these benefits

    • ICLR analyses, publications and research Papers
    • Participation on selected ICLR committees
    • Advance notice and reduced fees for admission to all ICLR conferences and workshops
    • Direct access to ICLR staff, library and other resources.
    inquire about Becoming an ICLR Member

    ICLR Member Companies

    The members of the ICLR are committed to making homes and businesses safer from the negative impacts of natural disasters. We invite all Canadian risk insurers and all reinsurers to become members. We invite all others who support our mission to become associate members

    ICLR Members

    • Alberta Motor Association Insurance Company
    • Arundo Re
    • Allstate Canada
      • Allstate Insurance Company of Canada
      • Pafco Insurance Company
      • Pembridge Insurance Company
      • Esurance Insurance Company
    • Aviva Canada Inc.
      • Aviva General Insurance Company
      • Aviva Insurance Company of Canada
      • Elite Insurance Company
      • S&Y Insurance Company
      • Scottish & York Insurance Co. Limited
      • Traders General Insurance Company
    • BCAA Insurance Corporation
    • Beneva
      • Gore Insurance Company
    • CAA Insurance
      • Echelon Insurance
    • Canadian Direct Insurance Inc.
    • The Co-operators Group Limited
      • Co-operators General Insurance Company
      • Coseco Insurance Company
      • L’Equitable Compagnie D’Assurances Generales
      • L’Union Canadienne Compagnie D’Assurances
      • Sovereign General Insurance Company
      • The CUMIS Group Limited
    • Desjardins General Insurance
      • Desjardins General Insurance Inc
      • Certas Direct Insurance Company
      • Certas Home & Auto Insurance Company
      • The Personal General Insurance Inc. (The)
      • The Personal Insurance Company (The)
    • Ecclesiastical Insurance
    • Definity Financial Corporation
      • Definity Insurance Company (Economical Mutual Insurance Company)
      • The Missisquoi Insurance Company
      • Perth Insurance Company
      • Waterloo Insurance Company
      • Sonnet Insurance Company
      • Travelers Canada
    • Farm Mutual Re
    • Gore Mutual Insurance Company
    • Intact Insurance Company
      • Belair Insurance Company Inc.
      • Intact Insurance Company
      • Novex Insurance Company
      • Trafalgar Insurance Company of Canada
      • Jevco Insurance Company
      • Royal & Sun Alliance Insurance Company of Canada
      • Unifund Assurance Company
      • Western Assurance Company
    • Liberty Mutual Canada
    • Lloyd’s Canada
    • Munich Reinsurance America Inc.
    • Munich Reinsurance Company of Canada
    • Northbridge
      • Northbridge Insurance
      • Federated Insurance
      • Verassure Insurance Company
      • Zenith Insurance Company
    • Odyssey America Reinsurance Corporation
    • Ontario Mutual Insurance Association
      • Amherst Island Mutual Ins. Co.
      • Antigonish Farmers’ Mutual Ins Co.
      • Axiom Mutual Insurance Co.
      • Ayr Farmers Mutual Ins. Co.
    • Ontario Mutual Insurance Association – Continued
      • Bay of Quinte Mutual Ins. Co.
      • BCM Insurance Company
      • Brant Mutual Insurance Company
      • Caradoc Townsend Mutual Ins. Co.
      • Carleton-Fundy Mutual Ins. Co.=
      • Cayuga Mutual Ins. Co.
      • Clare Mutual Ins. Co.
      • Edge Mutual Ins. Co.
      • Erie Mutual Fire Ins. Co.
      • Germania Mutual Ins. Co.
      • Grenville Mutual Ins. Co.
      • Halwell Dumfries Mutual Ins. Co.
      • Heartland Farm Mutual
      • Howick Mutual Ins. Co.
      • HTM Insurance Co.
      • Integrated Mutual Insurance Group
      • Kent & Essex Mutual Ins. Co.
      • L & A Mutual Ins. Co.
      • Lambton Mutual Ins. Co.
      • Maple Mutual Insurance
      • Mennonite Mutual Ins. Co. (Alberta) Ltd.
      • MutualOne Insurance Company
      • My Mutual Insurance Limited
      • North Blenheim Mutual Ins. Co.
      • Nova Mutual Ins. Co.
      • Peel Mutual Ins. Co.
      • Prince Edward Island Mutual Ins. Co.
      • Salus Mutual Insurance Company
      • Sandbox Mutual
      • SouthEastern Mutual Ins. Co.
      • South Easthope Mutual Ins. Co.
      • Stanley Mutual Ins. Co.
      • The Commonwell Mutual Ins. Group
      • Tradition Mutual Ins. Co.
      • Trillium Mutual Ins. Co.
      • United General Insurance Corporation
      • Usborne & Hibbert Mutual Fire Ins. Co.
      • West Wawanosh Mutual Ins. Co.
      • Westminster Mutual Ins. Co.
      • Yarmouth Mutual Ins. Co.
    • PartnerRe Canada
    • Peace Hills Insurance
    • The Portage La Prairie Mutual Insurance Company
    • Red River Mutual Insurance
    • SCOR Canada Reinsurance Company
    • SGI Canada
      • Coachman Insurance Company
    • Swiss Re
    • TD Insurance
      • Security National Insurance Company
      • TD General Insurance Company
      • Primmum Insurance Company
      • TD Home & Auto Insurance
    • The TOA Reinsurance Company
    • The Wawanesa Mutual Insurance Company
    • Zurich Canada

    ICLR Associate Members

    • Aon Re
    • Gallagher Re
    • Guy Carpenter & Company, (Canada) Ltd.
    • Verisk

    ICLR Partners

    • Canadian Red Cross Society
    • Disaster Prevention Research Institute, Kyoto
    • Federation of Canadian Municipalities
    • Geological Survey of Canada
    • Health Canada
    • Institute for Business and Home Safety (IBHS)
    • Insurance Bureau of Canada (IBC)
    • Meteorological. Service of Canada
    • Natural Science and Engineering Research
    • Council of Canada
    • Public Safety Canada