2014 MSA Market Share Report Information Package

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1 2014 MSA Market Share Report Information Package 133 Richmond St. W., Suite 401, Toronto, ON, M5H 2L3 P , F Discover Why Canada s Industry Leaders Rely on The MSA Market Share Report to Stay Ahead The 2014 MSA Market Share Report provides valuable market share and ranking information for every line of business in every province over a five-year period. This information package contains the following material relating to the report: A sample section from the 2014 report An index of the information included in the report The MSA Market Share Report product brochure The order form with product pricing

2 Alberta - Liability Alberta - Liability Cumulative Rank Market Share Market Direct Premiums Written Direct Loss Ratios Share MSA Industry Benchmarks Large Insurers or Groups (Ex Top Five) , , Top Five Groups , , Small Insurers or Groups , , Mid Sized Insurers or Groups ,056 64, Broker Writers , , Agency and Direct Writers ,019 88, Canadian Owned Companies , , US Owned Companies , , European Owned Companies , , Other Foreign Owned Companies ,086 55, Insurers/Groups Lloyd's Underwriters , , Intact Financial Corporation ,784 88, AIG Ins Co of Canada ,790 89,030 (5.2) 20.3 Zurich Insurance Co ,463 73, Co-operators General Insurance Group ,269 55, Aviva Canada Group ,299 45, RSA Canada Group ,000 41, Chubb Canada Group ,927 39, Northbridge Financial Group ,972 34, Travelers Group ,462 18, Continental Casualty Company ,063 20, Liberty Mutual Group ,177 20, ACE INA Insurance ,979 18, Economical Insurance Group (The) ,976 18, XL Insurance Company Limited ,604 12, Wawanesa Mutual Insurance Company (The) ,873 9, Munich Re Canada ,255 10, (20.5) Swiss Re Canada Group ,802 6, Axis Reinsurance Co ,152 5, Allianz Global Risks US Insurance Company ,145 6, Associated Electric & Gas Insurance Services Limited ,539 5, State Farm Group ,326 5, Arch Insurance Canada Ltd , SGI CANADA Group (Consolidated) ,737 4, Trisura Guarantee Insurance Company ,227 3, Berkley Insurance Company ,001 3, Great American Insurance Company ,263 3, XL Reinsurance America Inc ,084 2, TD Assurance ,981 2, Aspen Insurance UK Limited ,772 2, Ecclesiastical Insurance Office plc ,408 2, Everest Insurance Company of Canada ,283 1, Saskatchewan Mutual Insurance Company ,251 2, Wynward Insurance Group ,066 1, Guarantee Company of North America (The) ,387 1, Virginia Surety Company Inc , International Insurance Company of Hannover Limited , Mitsui Sumitomo Insurance Company, Limited , Electric Insurance Company , (34.9) 70.9 HDI-Gerling Industrie Versicherung AG, Canada Branch ,080 1,

3 Alberta - Liability Cumulative Rank Market Share Market Direct Premiums Written Direct Loss Ratios Share Portage la Prairie Mutual Insurance Company (The) Hartford Fire Insurance Company Optimum General Group Gore Mutual Insurance Company Echelon General Insurance Company Canadian Direct Insurance Incorporated (53.8) Omega General Insurance Company Millennium Ins Corp Mutual Fire Insurance Company of B.C. (The) Old Republic Insurance Company of Canada (1.8) Tokio Marine and Nichido Fire Insurance Company, Limited (The (0.01) (51.5) 27.7 Sompo Japan Insurance Inc (50.7) (37.4) Desjardins General Insurance Group Inc Darwin National Assurance Company Sentry Insurance a Mutual Company MAX Canada Insurance Company Jewelers Mutual Insurance Company RBC Insurance Group T.H.E. Insurance Company Capitale Group Dominion of Canada General Insurance Company (The) , Arch Insurance Company , American Bankers Insurance Company of Florida Jevco Insurance Company AXA Canada Group CUMIS Group Kingsway Canada Group GCAN Insurance Company National Liability & Fire Insurance Company (0.00) Grand Total 864, ,904

4 Marketshare Report Page Marketshare Report Page Marketshare Report Page Newfoundland & Labrador New Brunswick Manitoba Personal Property 1 Personal Property 124 Personal Property 271 Home Warranty NA Home Warranty NA Home Warranty NA Product Warranty 2 Product Warranty 125 Product Warranty 273 Commercial Property 3 Commercial Property 126 Commercial Property 274 Total Property 5 Total Property 128 Total Property 276 Aircraft 7 Aircraft 130 Aircraft 278 Auto Private Liability 8 Auto Private Liability 131 Auto Private Liability NA Auto Private PA 9 Auto Private PA 132 Auto Private PA NA Auto Private Other 10 Auto Private Other 133 Auto Private Other NA Subtotal Auto Private 11 Subtotal Auto Private 134 Subtotal Auto Private NA Auto Non Private Liability 12 Auto Non Private Liability 135 Auto Non Private Liability NA Auto Non Private PA 13 Auto Non Private PA 136 Auto Non Private PA NA Auto Non Private Other 14 Auto Non Private Other 137 Auto Non Private Other NA Subtotal Auto Non Private 15 Subtotal Auto Non Private 138 Subtotal Auto Non Private NA Auto Facility Market Liability 16 Auto Facility Market Liability 139 Auto Facility Market Liability NA Auto Facility Market PA 17 Auto Facility Market PA 140 Auto Facility Market PA NA Auto Facility Market Other 18 Auto Facility Market Other 141 Auto Facility Market Other NA Subtotal Auto Facility Market 19 Subtotal Auto Facility Market 142 Subtotal Auto Facility Market NA Subtotal Auto Liability 20 Subtotal Auto Liability 143 Subtotal Auto Liability NA Subtotal Auto PA 21 Subtotal Auto PA 145 Subtotal Auto PA NA Subtotal Auto Other 22 Subtotal Auto Other 147 Subtotal Auto Other NA Automobile Total 23 Automobile Total 149 Automobile Total 279 Boiler and Machinery 25 Boiler and Machinery 151 Boiler and Machinery 281 Equipment Warranty 26 Equipment Warranty 152 Equipment Warranty 282 Credit 27 Credit 153 Credit 283 Credit Protection 28 Credit Protection 154 Credit Protection 284 Fidelity 29 Fidelity 155 Fidelity 285 Hail NA Hail NA Hail 286 Legal Expense 30 Legal Expense 156 Legal Expense 287 Liability 31 Liability 157 Liability 288 Mortgage 33 Mortgage 159 Mortgage 290 Other Approved Products 34 Other Approved Products 160 Other Approved Products 291 Surety 35 Surety 161 Surety 292 Title 36 Title 162 Title 293 Marine 37 Marine 163 Marine 294 Accident and Sickness 38 Accident and Sickness 164 Accident and Sickness 295 Total Direct 39 Total Direct 165 Total Direct 296 Prince Edward Island Quebec Saskatchewan Personal Property 41 Personal Property 167 Personal Property 298 Home Warranty 42 Home Warranty NA Home Warranty 300 Product Warranty 43 Product Warranty NA Product Warranty 301 Commercial Property 44 Commercial Property 169 Commercial Property 302 Total Property 46 Total Property 171 Total Property 304 Aircraft 48 Aircraft 173 Aircraft 306 Auto Private Liability 49 Auto Private Liability 174 Auto Private Liability 307 Auto Private PA 50 Auto Private PA 175 Auto Private PA 308 Auto Private Other 51 Auto Private Other 176 Auto Private Other 309 Subtotal Auto Private 52 Subtotal Auto Private 177 Subtotal Auto Private 310 Auto Non Private Liability 53 Auto Non Private Liability 178 Auto Non Private Liability 311 Auto Non Private PA 54 Auto Non Private PA 180 Auto Non Private PA 312 Auto Non Private Other 55 Auto Non Private Other 181 Auto Non Private Other 313 Subtotal Auto Non Private 56 Subtotal Auto Non Private 183 Subtotal Auto Non Private 314 Auto Facility Market Liability 57 Auto Facility Market Liability 185 Auto Facility Market Liability NA Auto Facility Market PA 58 Auto Facility Market PA 186 Auto Facility Market PA NA Auto Facility Market Other 59 Auto Facility Market Other 187 Auto Facility Market Other NA Subtotal Auto Facility Market 60 Subtotal Auto Facility Market 188 Subtotal Auto Facility Market NA Subtotal Auto Liability 61 Subtotal Auto Liability 189 Subtotal Auto Liability 315 Subtotal Auto PA 62 Subtotal Auto PA 191 Subtotal Auto PA 316 Subtotal Auto Other 63 Subtotal Auto Other 192 Subtotal Auto Other 317 Automobile Total 64 Automobile Total 194 Automobile Total 318 Boiler and Machinery 65 Boiler and Machinery 196 Boiler and Machinery 320 Equipment Warranty 66 Equipment Warranty NA Equipment Warranty 322 Credit 67 Credit 197 Credit 323 Credit Protection 68 Credit Protection 198 Credit Protection 324 Fidelity 69 Fidelity 199 Fidelity 325 Hail NA Hail NA Hail 326 Legal Expense 70 Legal Expense 200 Legal Expense 327 Liability 71 Liability 201 Liability 328 Mortgage 73 Mortgage 203 Mortgage 330 Other Approved Products 74 Other Approved Products 204 Other Approved Products 331 Surety 75 Surety 205 Surety 332 Title 76 Title 206 Title 333 Marine 77 Marine 207 Marine 334 Accident and Sickness 78 Accident and Sickness 208 Accident and Sickness 335 Total Direct 79 Total Direct 209 Total Direct 336 Nova Scotia Ontario Alberta Personal Property 81 Personal Property 211 Personal Property 338 Home Warranty NA Home Warranty 213 Home Warranty 340 Product Warranty 82 Product Warranty 214 Product Warranty 341 Commercial Property 83 Commercial Property 215 Commercial Property 342 Total Property 85 Total Property 217 Total Property 344 Aircraft 87 Aircraft 219 Aircraft 346 Auto Private Liability 88 Auto Private Liability 220 Auto Private Liability 347 Auto Private PA 89 Auto Private PA 222 Auto Private PA 348 Auto Private Other 90 Auto Private Other 224 Auto Private Other 349 Subtotal Auto Private 91 Subtotal Auto Private 226 Subtotal Auto Private 350 Auto Non Private Liability 92 Auto Non Private Liability 228 Auto Non Private Liability 351 Auto Non Private PA 93 Auto Non Private PA 230 Auto Non Private PA 353 Auto Non Private Other 94 Auto Non Private Other 232 Auto Non Private Other 354 Subtotal Auto Non Private 95 Subtotal Auto Non Private 234 Subtotal Auto Non Private 356 Auto Facility Market Liability 97 Auto Facility Market Liability 236 Auto Facility Market Liability 358 Auto Facility Market PA 98 Auto Facility Market PA 238 Auto Facility Market PA 360 Auto Facility Market Other 99 Auto Facility Market Other 240 Auto Facility Market Other 361 Subtotal Auto Facility Market 100 Subtotal Auto Facility Market 242 Subtotal Auto Facility Market 363 Subtotal Auto Liability 101 Subtotal Auto Liability 244 Subtotal Auto Liability 365 Subtotal Auto PA 103 Subtotal Auto PA 246 Subtotal Auto PA 367 Subtotal Auto Other 104 Subtotal Auto Other 248 Subtotal Auto Other 369 Automobile Total 106 Automobile Total 250 Automobile Total 371 Boiler and Machinery 108 Boiler and Machinery 252 Boiler and Machinery 373 Equipment Warranty 109 Equipment Warranty 254 Equipment Warranty 375 Credit 110 Credit 255 Credit 376 Credit Protection 111 Credit Protection 256 Credit Protection 377 Fidelity 112 Fidelity 257 Fidelity 378 Hail NA Hail 258 Hail 379 Legal Expense 113 Legal Expense 259 Legal Expense 380 Liability 114 Liability 260 Liability 381 Mortgage 116 Mortgage 262 Mortgage 383 Other Approved Products 117 Other Approved Products 263 Other Approved Products 384 Surety 118 Surety 264 Surety 385 Title 119 Title 265 Title 386 Marine 120 Marine 266 Marine 387 Accident and Sickness 121 Accident and Sickness 267 Accident and Sickness 388 Total Direct 122 Total Direct 268 Total Direct 389

5 Marketshare Report Page Marketshare Report Page Marketshare Report Page British Columbia Northwest Territories Total Canada Personal Property 392 Personal Property 474 Personal Property 548 Home Warranty 394 Home Warranty NA Home Warranty 550 Product Warranty 395 Product Warranty 475 Product Warranty 551 Commercial Property 396 Commercial Property 476 Commercial Property 552 Total Property 398 Total Property 478 Total Property 554 Aircraft 400 Aircraft 480 Aircraft 556 Auto Private Liability 401 Auto Private Liability 481 Auto Private Liability 557 Auto Private PA 402 Auto Private PA 482 Auto Private PA 559 Auto Private Other 403 Auto Private Other 483 Auto Private Other 561 Subtotal Auto Private 404 Subtotal Auto Private 484 Subtotal Auto Private 563 Auto Non Private Liability 405 Auto Non Private Liability 485 Auto Non Private Liability 565 Auto Non Private PA 406 Auto Non Private PA 486 Auto Non Private PA 567 Auto Non Private Other 407 Auto Non Private Other 487 Auto Non Private Other 569 Subtotal Auto Non Private 408 Subtotal Auto Non Private 488 Subtotal Auto Non Private 571 Auto Facility Market Liability NA Auto Facility Market Liability 489 Auto Facility Market Liability 573 Auto Facility Market PA NA Auto Facility Market PA 490 Auto Facility Market PA 575 Auto Facility Market Other NA Auto Facility Market Other 491 Auto Facility Market Other 577 Subtotal Auto Facility Market NA Subtotal Auto Facility Market 492 Subtotal Auto Facility Market 579 Subtotal Auto Liability 409 Subtotal Auto Liability 493 Subtotal Auto Liability 581 Subtotal Auto PA 410 Subtotal Auto PA 495 Subtotal Auto PA 583 Subtotal Auto Other 411 Subtotal Auto Other 496 Subtotal Auto Other 585 Automobile Total 412 Automobile Total 498 Automobile Total 587 Boiler and Machinery 414 Boiler and Machinery 500 Boiler and Machinery 589 Equipment Warranty 416 Equipment Warranty 501 Equipment Warranty 591 Credit 417 Credit NA Credit 592 Credit Protection 418 Credit Protection 502 Credit Protection 593 Fidelity 419 Fidelity 503 Fidelity 594 Hail 420 Hail NA Hail 595 Legal Expense 421 Legal Expense 504 Legal Expense 596 Liability 422 Liability 505 Liability 597 Mortgage 424 Mortgage 507 Mortgage 599 Other Approved Products 425 Other Approved Products 508 Other Approved Products 600 Surety 426 Surety 509 Surety 601 Title 427 Title 510 Title 603 Marine 428 Marine 511 Marine 604 Accident and Sickness 429 Accident and Sickness 512 Accident and Sickness 605 Total Direct 430 Total Direct 513 Total Direct 606 Yukon Nunavut Total Canada and Outside Canada Personal Property 433 Personal Property 515 Personal Property 609 Home Warranty 434 Home Warranty NA Home Warranty 611 Product Warranty 435 Product Warranty 516 Product Warranty 612 Commercial Property 436 Commercial Property 517 Commercial Property 613 Total Property 438 Total Property 518 Total Property 615 Aircraft 440 Aircraft 519 Aircraft 617 Auto Private Liability 441 Auto Private Liability 520 Auto Private Liability 618 Auto Private PA 442 Auto Private PA 521 Auto Private PA 620 Auto Private Other 443 Auto Private Other 522 Auto Private Other 622 Subtotal Auto Private 444 Subtotal Auto Private 523 Subtotal Auto Private 624 Auto Non Private Liability 445 Auto Non Private Liability 524 Auto Non Private Liability 626 Auto Non Private PA 446 Auto Non Private PA 525 Auto Non Private PA 628 Auto Non Private Other 447 Auto Non Private Other 526 Auto Non Private Other 630 Subtotal Auto Non Private 448 Subtotal Auto Non Private 527 Subtotal Auto Non Private 632 Auto Facility Market Liability 449 Auto Facility Market Liability 528 Auto Facility Market Liability 634 Auto Facility Market PA 450 Auto Facility Market PA 529 Auto Facility Market PA 636 Auto Facility Market Other 451 Auto Facility Market Other 530 Auto Facility Market Other 638 Subtotal Auto Facility Market 452 Subtotal Auto Facility Market 531 Subtotal Auto Facility Market 640 Subtotal Auto Liability 453 Subtotal Auto Liability 532 Subtotal Auto Liability 642 Subtotal Auto PA 454 Subtotal Auto PA 533 Subtotal Auto PA 644 Subtotal Auto Other 455 Subtotal Auto Other 534 Subtotal Auto Other 646 Automobile Total 456 Automobile Total 535 Automobile Total 648 Boiler and Machinery 458 Boiler and Machinery 536 Boiler and Machinery 650 Equipment Warranty 459 Equipment Warranty NA Equipment Warranty 652 Credit 460 Credit NA Credit 653 Credit Protection 461 Credit Protection 537 Credit Protection 654 Fidelity 462 Fidelity 538 Fidelity 655 Hail NA Hail NA Hail 656 Legal Expense 463 Legal Expense 539 Legal Expense 657 Liability 464 Liability 540 Liability 658 Mortgage 466 Mortgage 541 Mortgage 660 Other Approved Products 467 Other Approved Products NA Other Approved Products 661 Surety 468 Surety 542 Surety 662 Title 469 Title 543 Title 664 Marine 470 Marine 544 Marine 665 Accident and Sickness 471 Accident and Sickness 545 Accident and Sickness 666 Total Direct 472 Total Direct 546 Total Direct 667

6 The 2014 MSA Market Share Report, P&C 2014 The MSA Market Share Report provides valuable market share and ranking information for every line of business in every province over a five year period. The report is produced on a consolidated group basis Key Features: Market shares and rankings over five years for every line of business in every province. Companies ranked on a consolidated group basis. Up/Down arrows quickly identify changes in rankings from prior year. MSA industry benchmark categories are also ranked. Primary Uses: Easily identify your market positions and those of your competitors. Quickly analyze potential markets. Review top players and their performance in any market segment. Primary Users: Insurers, reinsurers, regulators, analysts, investment bankers, brokers. Additional information: Call, or go to msaresearch.com Due to be released: Second Quarter. Check website or call for more details. 10 To find out more, please call our office to arrange a free on-site or web-based demonstration. (416)

7 2014 Price List To order, please complete the form below and return it to: MSA Research Inc. via mail or courier. Alternatively you can fax it to: MSA Researcher P&C Software Each license includes: One copy of the MSA Report, One copy of the MSA Benchmark Report, and One copy of the MSA Market Share Report. First License $3799 Each Additional license $2449 Corporate Site License - Includes: Up to 25 users within corporate group Administrative web controls. Users and Super-Users* Open databases w/underlying data Ten copies of The MSA Report, Ten copies of the MSA Benchmark Report, Two copies of the MSA Market Share Report, Thirty subscriptions to the quarterly MSA Quarterly Outlook Reports Historical Site License w/ data going back to Includes: Up to 25 users within corporate group Administrative web controls. Users and Super-Users* Open MS-Access databases w/underlying data Ten copies of the MSA Report, Ten copies of the MSA Benchmark Report, Five copies of the MSA Market Share Report, Thirty subscriptions to the quarterly MSA Quarterly Outlook Reports Call Call MSA Report First Copy $499 Additional Copies $199 MSA Benchmark Report First Copy $299 Additional Copies $199 MSA Market Share Report First Copy $399 Additional Copies $199 Annual subscription to the MSA Quarterly Outlook Report, P&C Canadian insurers and groups with over $1billion in NPW Thirty Copies $1500 Canadian insurers and groups with $750 million-$1b in NPW Fifteen Copies $1000 Canadian insurers and groups with $500 million-$750m in NPW Five Copies $599 All others (1st copy) $299 Additional copies (same location) $150 ea. Need more than 30 copies? Call us for pricing. MSA Researcher Life/Health/Fraternal Software Ten years of data + quarterly updates Licenses (each) $2295 Corporate Site License Call Historical Site License Call w/ data going back to 1996 All prices in Canadian dollars. Prices subject to tax where applicable. Recognized educational institutions, deduct 25%. Ontario/NB/NFLD orders add 13% HST Prince Edward Island orders add 14% HST Nova Scotia orders add 15% HST Quebec orders add 9.975% QST British Columbia orders add 7% PST Outside Canada add S+H (CAD) $100 Items Quantity (CAD) SUBTOTAL All other Canadian orders add 5% GST TOTAL (CAD) (GST/HST Reg #R ) (QST#: ) (BC PST #: PST ) Name Company Address City Postal/Zip Code Payment Method (Check One) Title Phone Fax Prov/State Country Cheque or money order Cheques must be payable to MSA Research Inc. All non-canadian or non-us cheques must be drawn on a Canadian bank. Alternatively, payment should be made by credit-card or wire transfer. Visa Mastercard Amex Number: Expiration Date: Name on Card: Signature: Address of card holder: Bill me (subject to credit approval). 133 Richmond St. W., Suite 401, Toronto, ON, Canada M5H 2L3. T , F , info@msaresearch.com, web: msaresearch.com Definitive insurance information for intelligent business decisions.

MSA Code Company Group Life-1 (Consol) YOY % Net Premiums. Total Revenue. Life-1 77,624 4% 82,080 2% 64,566 8% 12,486-12% 15,331 12% 504.

MSA Code Company Group Life-1 (Consol) YOY % Net Premiums. Total Revenue. Life-1 77,624 4% 82,080 2% 64,566 8% 12,486-12% 15,331 12% 504. Dollar amounts in thousands of Canadian Dollars. Life-1 (Canadian) results are consolidated while (branch results) represent Canadian branch operations only. Expenses Income TAAM Ratio LHC001 ACE INA Life

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