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PROPERTY CASUALTY INSURERS REINSURERS PROPERTY CASUALTY INSURERS REINSURERS 2017 National Insurance Directory 116 INSURANCE companies INSURANCE companies HISTORY As of April 30th 2015 Prior to acquisition Incorporated on December 14 1995 Federal registration issued on February 6 1996 Commencement of business on May 14 1996 Canadian Direct Insurance is a part of Intact Financial Corporation group since May 1st 2015 HEAD OFFICE 1500A 700 University Ave Toronto ON M5G 0A1 Tel 416 341 1464 Fax 416 941 5320 Toll free 1 877 341 1464 OFFICERS IN CANADA Charles Brindamour CEO Louis Gagnon President Service Distribution Louis Marcotte Senior Vice President CFO UNDERWRITING CONTACT Karen Hopkins Lee Chief Underwriter CLAIMS CONTACT Vince Muto Vice President Claims Operations REGIONAL SERVICE OFFICE Call Centre Alberta 500 10115 100A Street NW Edmonton AB T5J 2W2 Tel 780 413 5933 Fax 780 413 5932 Toll Free 888 225 5234 Sandy Schultz Senior Manager Call Centre AFFILIATIO NS MEMBERSHIP ICLR PACICC IBC GIO CADRI ASWMS GISA CLASES OF INSURANCE Property Automobile Insurance PROVINCES LICENSED Licensed in British Columbia and Alberta CAPITAL Share Capital 164631000 Retained Earnings 25391000 CANADIAN BUSINES NL E RATI NG AA 2014 2015 Q2 2016 000 000 000 Assets 246813 221110 882011 Liabilities 166699 175577 681233 Equity 80114 45533 200778 Direct Premiums 143468 159448 39094 Reinsurance Assumed 182780 Net Premiums Written 132337 148635 189970 Net Premiums Earned 130410 156137 183641 Net Claims Incurred 87235 124112 121696 Underwriting Income 6958 12481 3835 Investment Income 6012 951 1936 Underwriting Cost Index 9474 10790 9794 NPW Equity 16519 32643 N A Net Leverage Equity 35076 67374 N A HISTORY Incorporated on December 31 1984 OFFICERS IN CANADA Martin Thompson Chief Executive Officer John Asher SVP Chief Financial Officer Paul MacDonald Senior Vice President Claims Chief Claims Officer Ken Bennett Senior Vice President Lifestyle Insurance Mark Edgar Senior Vice President Human Resources Paul Lucarelli Senior Vice Present Commercial and Global Speciality Lines Louisa Leonard Senior Vice President Risk Chief Risk Officer Sid Chopra Senior Vice President Operations Chief Operations Officer Donna Ince Senior Vice President Personal Insurance Broker Antonietta Montisano Vice President Corporate Controller Robin Richardson Vice President General Counsel and Corporate Secretary Jacqueline Friedland Chief Actuary Kelly Martin Chief Internal Auditor AFFILIATIO NS MEMBERSHIP IBC PACICC GIO CLASES OF INSURANCE Federal Property Automobile Boiler Machinery Fidelity Accident Sickness Liability and Surety PROVINCES LICENSED Licensed in all provinces and territories except Quebec CAPITAL Share Capital 84312000 Retained Earnings 25828000 CANADIAN BUSINES NL E RATI NG AA 2014 2015 Q2 2016 000 000 000 Assets 394422 391772 381949 Liabilities 304654 281849 269400 Equity 89768 109923 112549 Direct Premiums 270923 264256 106310 Reinsurance Assumed Net Premiums Written 232065 228802 65720 Net Premiums Earned 225929 235480 102808 Net Claims Incurred 140558 124764 52996 Underwriting Income 8473 19358 5427 Investment Income 5050 4894 2175 Underwriting Cost Index 10375 9178 9472 NPW Equity 25852 20815 N A Net Leverage Equity 56071 44210 N A RATI NGS BY RATI NG AGENCIES Standard Poors A 09 21 2015 CANADIAN DIRECT INSURANCE INC 600 750 Cambie Street Vancouver BC V6B 0A2 Tel 604 699 3838 Fax 604 699 3860 Toll Free 888 225 5234 Web Site www canadiandirect com CANADIAN NORTHERN SHIELD INSURANCE COMPANY 1900 555 West Hastings Street Vancouver BC V6B 4N6 Tel 604 662 2900 Fax 604 662 5698 Toll Free 1 800 663 1953 Website www cns ca