Canadian Insurance Top Broker, 2017

PROPERTY CASUALTY INSURERS REINSURERS PROPERTY CASUALTY INSURERS REINSURERS 2017 National Insurance Directory 118 INSURANCE companies INSURANCE companies HISTORY Incorporated on March 30 1937 in Nova Scotia OFFICERS IN CANADA Janice M Belliveau BBA President General Manager UNDERWRITING CONTACT Ken Kingsbury CIP CLAIMS CONTACT Ken Kingsbury CIP AFFILIATIO NS MEMBERSHIP CAMIC MAMIC OMIA CLASES OF INSURANCE Property and Casualty PROVINCES LICENSED Nova Scotia CAPITAL Retained Earnings 2469000 CANADIAN BUSINES NL E RATI NG AAAA 2014 2015 Q2 2016 000 000 000 Assets 4589 4712 4655 Liabilities 2600 2479 1986 Equity 1989 2233 2669 Direct Premiums 2933 3025 1392 Reinsurance Assumed Net Premiums Written 1856 1832 959 Net Premiums Earned 1850 1775 1081 Net Claims Incurred 636 571 243 Underwriting Income 88 130 360 Investment Income 83 128 25 Underwriting Cost Index 9550 9307 6800 NPW Equity 9331 8204 N A Net Leverage Equity 17934 16386 N A OFFICERS IN CANADA W Bruce Lutz President Nick Gayton Chief Executive Officer Bob Milton Treasurer Chief Financial Officer CLASES OF INSURANCE Hail Insurance on Growing Crops PROVINCES LICENSED Licensed in Manitoba and Saskatchewan CANADIAN BUSINES NL E RATI NG AAAA 2014 2015 Q2 2016 000 000 000 Assets 85917 88527 N A Liabilities 6809 5104 N A Equity 79108 83423 N A Direct Premiums 46959 33174 N A Reinsurance Assumed Net Premiums Written 29015 13967 N A Net Premiums Earned 29015 13967 N A Net Claims Incurred 24295 8445 N A Underwriting Income 500 3510 N A Investment Income 3220 2775 N A Underwriting Cost Index 10172 7492 N A NPW Equity 3668 1674 N A Net Leverage Equity 4283 1674 N A HISTORY Co operators Insurance Association and Co operative Fire Casualty Company amalgamated on February 17 1983 to establish Co operators General Insurance Company OFFICERS IN CANADA Katherine Bardswick President and Chief Executive Officer Frank Lowery Sr Vice President General Counsel Secretary Wayne Schatz VP General Counsel P C Operations Carmel Bellamy Associate Secretary Director Corporate Governance Co operative Relations Bruce West Executive VP Finance CFO REGIONAL OFFICES Atlantic Region 10 Record Street Moncton NB E1C 8N9 Tel 506 853 1277 Fax 506 853 1355 Contact Dan Watchorn BC MB SK Region 101 2455 Millstream Rd Victoria BCV9B 3R5 Tel 250 915 1400 Contact Terry McRorie Alberta Region 5550 1st St SW Calgary AB T2H 0C8 Tel 403 221 7137 Contact Chris Ross North East West Ontario Region 400 1547 Merivale Road Nepean ON K2G 4V3 Tel 613 727 3663 Fax 613 727 4676 Contact Don Viau Central Ontario Region 1720 Bishop Street Cambridge ON N1T 1J4 Tel 519 623 8405 Fax 519 623 2485 Contact Mark Feeney AFFILIATIONS MEMBERSHIP IBC ICLR CADRI IIC CAMIC GIO CLASSES OF INSURANCE Accident Sickness Aircraft Automobile Boiler Machinery Credit Legal Fidelity Hail Liability Marine Property and Surety PROVINCES LICENSED Licensed in all Provinces and territories CAPITAL Share Capital 48076000 Contributed Surplus 10133000 Retained Earnings 1042711000 this is the common plus 171996 preferred shares CANADIAN BUSINES NL E RATI NG AAA 2014 2015 Q2 2016 000 000 000 Assets 5307815 5309054 5660203 Liabilities 3816204 3850445 4371985 Equity 1491611 1458609 1288218 Direct Premiums 2280599 2410474 939932 Reinsurance Assumed 12752 11632 593624 Net Premiums Written 2215781 2354451 921356 Net Premiums Earned 2164429 2271646 878834 Net Claims Incurred 1484192 1486937 648978 Underwriting Income 4721 59803 54929 Investment Income 179702 143723 244693 Underwriting Cost Index 10022 9740 10620 NPW Equity 14855 16142 N A Net Leverage Equity 36742 39324 N A RATI NGS BY RATI NG AGENCIES A M Best A Stable 10 21 2016 CLARE MUTUAL INSURANCE COMPANY 3300 Hwy 1 Belliveau Cove Digby County NS B0W 1J0 Tel 902 837 4597 Fax 902 837 7745 Toll Free 1 877 818 0887 WebSite www claremutual com CO OPERATI VE HAIL INSURANCE COMPANY LIMITED 2709 13th Avenue Box 777 Regina SK S4P 3A8 Tel 306 522 8891 Fax 306 352 9130 Website www co ophail com CO OPERATORS GENERAL INSURANCE COMPANY 130 Macdonell Street Priory Square Guelph ON N1H 6P8 Tel 519 824 4400 Fax 519 763 5152 Website www cooperators ca