Become a Member

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.

General Membership

– 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
– 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
– Advance notice and reduced fees for
admission to all conferences and workshops

Associate Membership

Associations that support the mission of the

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

– 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

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
Allstate Canada
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
CAA 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
– The Personal Insurance Company
Ecclesiastical Insurance
The Economical Insurance Group
– Economical Mutual Insurance Company
– Federation Insurance Company of Canada
– Perth Insurance Company
– The Mississquoi Insurance Company
– Waterloo Insurance Company
Farm Mutual Re
Gore Mutual Insurance Company
Intact Insurance Company
– Ascentus Insurance Ltd
– BELAIR direct
– Canadian Northern Shield Insurance Company
– Intact Financial Corporation
– Intact Insurance
– Intact Public Entities Inc.
– Novex
– Nordic
– Quebec Assurance Company
– Royal & SunAlliance Insurance Company of Canada
– Trafalgar
– Unifund
– Western Assurance Company
Liberty Mutual Canada
Lloyd’s Underwriters
Munich Reinsurance America Inc.
Munich Reinsurance Company of Canada
– Northbridge Insurance
– Federated Insurance
– Zenith Insurance Company
Odyssey America Reinsurance Corporation
Ontario Mutual Insurance Association
– Algoma Mutual Ins. Co.
– Amherst Island Mutual Ins. Co.
– Antigonish Farmers’ Mutual Ins Co.
– Axiom Mutual Insurance Co.
– Ayr Farmers Mutual Ins. Co.
– 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.
– Dumfries 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.
– 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.
– Westminister 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
Sirius America (Canada)
Swiss Re
TD Insurance
– Meloche-Monnex
– Primmum Insurance Company
– Security National
– TD General Insurance Company
– TD Direct Insurance Inc.
– TD Home and Auto Insurance Group
The TOA Reinsurance Company
Travelers Canada
The Wawanesa Mutual Insurance Company
Zurich Canada

ICLR Associate Members
AIR Worldwide
Gus Group Inc.
Emergency Management Ontario
Gallagher Re
Guy Carpenter & Company, (Canada) Ltd.
Marsh Canada Limited
Paul Davis Systems – Simcoe County
Risk Management Solutions (RMS)
Shear Seismic Inc.

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