Building client resilience

Helping Canadians build resilience

The products we offer help to support our clients in building their personal resilience. We conduct research, partner with organizations and support initiatives that help build broader awareness among Canadians of the risks they face and ensure they are well-supported with access to tools and information that can help prevent losses.

Learn more about how we’re building resilience (pdf)

Advice and solutions for a changing world

We don’t just provide peace of mind through the insurance products we offer; we equip clients with advice and information that fosters a mindset and practice of resiliency and sustainability. Partnering with our clients to build individual and community resilience is paramount to conversations about financial security, especially in times of change.

“We’re in this business to support our clients, especially on their worst days.It’s important to review clients’ coverages and make sure we’re taking care of their risks. Being able to offer storm surge protection to our coastal clients is making a real difference.”

Isabel Delaney, Financial Advisor, Charlottetown, Prince Edward Island

Modeling climate scenarios to improve our products and services

Through our Climatic Hazards and Advanced Modelling (CHARM) platform, we can estimate climate risk concentration and accumulation in our portfolio. We have also developed a dashboard that uses our climate-scenario modelling capabilities to better understand and predict anticipated impacts of climate change on our clients and our business for several natural hazards, including floods, hurricanes, and extreme weather.



Total amount paid to clients in claims and benefits in 2022

$2.39 billion

Claims and benefits paid by type to clients in 2022

image/svg+xml Property damage (42%)Fire (30%) / Water (28%) /Wind, Hail, Ice (25%) /Theft,Vandalism (12%) /Other (5%) Collision repair (24%) Injuries (15%) Death and disability (9%) Other (6%) Medical and dental (4%)