Canada’s P&C market is softening—bringing flexibility, competitive pricing, and opportunity. For brokers, this is the moment to go beyond price: focus on coverage, address emerging risks, and reinforce long-term protection.

Auto theft remains a serious risk in Ontario, with high-value vehicles still targeted despite recent declines in some regions. Brokers play a key role in prevention—by reviewing client portfolios, sharing theft-prevention tips, and clarifying coverage.

In a competitive market, trust and speed matter. Submitting accurate data isn’t just a requirement; it’s a strategic advantage. It helps ensure correct premium rating, accurate risk assessment, and sets the stage for stronger client relationships and faster quoting.

We’re introducing new rating variables for Personal Auto—qualifying clients may see premium reductions starting October 20 for new business and December 13 for renewals.