The SCOR Report Le rapport SCOR 2007
ACE INA INSURANCE 2005 320,799 208,358 216,147 45.94 24.62 70.56 63,626 21,224 50,629 30.76 2006 316,862 209,682 216,497 52.57 17.11 69.68 65,629 24,618 56,270 25.94 2007 340,063 230,794 230,645 34.88 18.15 53.03 111,308 28,792 83,978 29.73 AFFILIATED FM INSURANCE 2005 91,140 57,779 56,038 67.47 15.94 83.41 9,287 7,441 13,836 27.44 2006 88,167 54,205 56,031 39.67 16.86 56.53 24,346 5,931 20,983 37.48 2007 87,858 51,821 50,110 35.44 17.56 53.00 23,543 7,576 24,276 39.18 ALBERTA MOTOR ASSOCIATION 2005 160,163 145,816 144,871 69.97 21.01 90.98 13,497 9,798 18,562 21.63 2006 191,017 182,311 170,927 65.17 21.77 86.94 26,967 34,371 41,542 42.88 2007 213,421 203,736 193,805 78.08 23.23 101.31 2,740 16,271 14,266 14.21 ALPHA COMPAGNIE D'ASSURANCES 2005 13,549 13,028 12,789 52.96 30.87 83.83 2,069 1,676 2,600 10.78 2006 14,328 13,830 13,459 46.29 36.47 82.76 2,321 1,954 2,918 10.98 2007 15,159 14,654 14,043 57.12 34.33 91.45 1,202 2,333 2,430 8.56 AMERICAN HOME ASSURANCE 2005 774,783 503,012 541,453 69.19 12.20 81.39 101,878 82,350 117,613 16.40 2006 835,631 527,652 525,187 63.97 15.92 79.89 105,835 122,233 151,603 17.97 2007 863,942 520,933 524,342 56.85 16.50 73.35 139,763 82,032 136,660 14.47 ANTIGONISH FARMERS MUTUAL 2005 3,816 2,841 2,623 46.47 49.52 95.99 105 924 916 11.62 2006 4,126 2,967 2,928 47.52 50.11 97.63 69 956 819 9.52 2007 4,337 3,165 3,053 59.71 51.60 111.31 (345) 1,076 591 6.22 Page 1 of 12
ATLANTIC INSURANCE COMPANY 2005 11,709 4,627 4,934 60.21 20.79 81.00 937 280 853 24.11 2006 9,767 3,890 4,388 37.01 32.11 69.12 1,355 293 1,146 25.26 2007 9,763 3,868 3,794 56.88 40.04 96.92 117 368 368 6.96 AVIVA CANADA 2005 3,081,599 2,911,926 2,877,559 65.16 31.56 96.72 94,544 284,747 251,056 17.74 2006 3,047,724 2,902,111 2,883,196 65.76 31.56 97.32 77,151 417,972 332,633 33.77 2007 3,155,214 3,021,014 2,935,257 65.84 33.15 98.99 29,526 529,681 363,986 34.35 AXA CANADA INC 2005 1,302,885 1,236,885 1,158,558 58.46 33.14 91.60 97,272 93,774 137,130 21.26 2006 1,510,007 1,427,471 1,443,365 57.38 32.84 90.22 141,230 120,185 169,720 19.44 2007 1,583,760 1,527,422 1,452,666 54.83 33.35 88.18 171,669 111,471 190,104 17.25 BCAA INSURANCE CORP. 2005 60,348 15,024 13,928 46.88 65.21 112.09 (841) 1,192 216 1.33 2006 66,929 17,767 15,825 45.47 57.33 102.80 373 1,124 1,051 6.24 2007 74,618 19,344 18,145 61.88 58.84 120.72 (1,759) 1,974 160.88 BOILER INSPECTION & INSURANCE 2005 49,669 85,757 84,967 19.44 48.99 68.43 26,825 5,546 21,632 31.06 2006 45,726 85,904 86,459 21.62 49.84 71.46 24,681 6,006 19,778 26.13 2007 43,213 85,795 85,232 23.51 50.69 74.20 22,384 6,055 19,704 25.55 CAA INSURANCE (ONTARIO) 2005 117,129 111,757 114,379 72.93 27.68 100.61 1,326 8,831 6,737 11.86 2006 113,446 107,414 109,759 69.84 32.40 102.24 (380) 9,153 5,215 8.30 2007 115,541 110,031 109,459 68.54 34.92 103.46 (1,667) 10,250 5,517 8.15 Page 2 of 12
CANADIAN DIRECT INSURANCE 2005 93,102 69,923 65,847 65.00 28.32 93.32 5,557 2,536 5,123 19.56 2006 100,227 85,164 81,675 65.93 27.15 93.08 6,902 3,348 6,940 21.54 2007 104,829 97,771 94,914 67.11 27.13 94.24 6,785 4,479 7,773 19.78 CANADIAN NORTHERN SHIELD 2005 160,109 96,804 94,972 60.05 39.80 99.85 145 5,927 4,031 9.22 2006 163,716 110,684 105,824 62.16 41.45 103.61 (3,817) 6,142 1,615 3.47 2007 155,881 97,735 102,083 57.42 42.97 100.39 (397) 15,696 11,735 24.40 CHUBB INSURANCE COMPANY 2005 667,672 582,547 563,646 66.59 29.59 96.18 21,532 60,848 53,375 12.32 2006 683,772 601,142 594,038 47.62 29.85 77.47 133,860 63,429 130,080 24.77 2007 657,635 578,432 590,749 48.56 30.81 79.37 121,845 66,888 122,552 19.38 CLARE MUTUAL 2005 2,097 853 800 43.13 55.00 98.13 17 64 87 6.03 2006 2,176 886 859 24.56 49.59 74.15 222 48 310 19.37 2007 2,305 959 925 42.16 61.19 103.35 (31) 42 97 5.20 CNA CANADA 2005 246,754 238,576 229,933 55.55 33.00 88.55 26,325 34,425 48,146 19.23 2006 245,938 231,248 230,605 51.06 31.59 82.65 40,003 23,972 46,447 18.16 2007 251,678 232,004 225,779 55.20 32.55 87.75 27,651 31,168 36,128 14.26 COMMERCE AND INDUSTRY 2005 197,905 132,728 129,878 66.24 17.28 83.52 21,398 17,647 21,801 23.40 2006 166,443 107,632 120,934 64.33 19.89 84.22 19,092 19,866 25,512 20.66 2007 119,844 76,535 93,477 44.71 22.68 67.39 30,478 22,367 24,596 16.14 Page 3 of 12
CO-OPERATORS GENERAL (CONSOLIDATED) 2005 1,961,990 1,787,861 1,738,703 66.65 31.49 98.14 32,407 164,003 132,115 15.23 2006 2,067,603 1,935,605 1,855,859 68.79 31.03 99.82 3,326 188,557 118,121 12.01 2007 2,086,973 1,938,608 1,908,334 66.51 31.78 98.29 32,574 181,468 148,171 13.51 (SOVEREIGN GENERAL) 2005 264,532 198,217 181,896 58.42 37.72 96.14 7,016 12,915 13,036 15.15 2006 267,909 183,929 188,793 57.46 40.03 97.49 4,735 15,927 12,541 12.69 2007 258,408 175,280 173,622 61.47 40.56 102.03 (3,527) 16,068 8,495 7.77 CUMIS GENERAL 2005 63,434 26,800 26,671 70.89 28.99 99.88 342 2,868 2,301 12.41 2006 64,018 26,506 26,992 74.57 30.54 105.11 (247) 3,167 2,117 10.20 2007 67,359 28,148 27,362 56.67 30.67 87.34 2,060 7,396 7,375 29.23 DESJARDINS GROUPE D'ASS. GENERALES 2005 1,404,884 1,375,937 1,365,654 71.94 20.11 92.05 108,564 107,332 124,641 24.70 2006 1,412,394 1,386,032 1,376,051 71.28 20.67 91.95 110,775 77,991 106,567 25.20 2007 1,429,073 1,393,881 1,379,296 69.30 23.24 92.54 102,831 103,573 126,247 26.70 DOMINION OF CANADA 2005 1,080,535 1,040,504 1,062,156 60.77 30.04 90.81 111,361 92,354 139,196 25.16 2006 1,058,726 1,016,136 1,026,997 62.71 30.82 93.53 80,356 133,502 149,523 22.30 2007 1,039,157 996,484 998,882 71.55 31.32 102.87 (15,725) 203,039 144,589 18.90 ECHELON GENERAL INSURANCE 2005 115,123 88,105 72,736 62.69 27.56 90.25 10,272 6,475 11,072 23.00 2006 113,422 103,583 102,040 57.91 29.70 87.61 12,645 11,550 15,995 24.00 2007 139,396 144,156 117,626 59.79 33.93 93.72 7,383 12,683 13,167 15.89 Page 4 of 12
ECONOMICAL INSURANCE GROUP 2005 1,777,985 1,703,380 1,665,596 64.30 30.60 94.90 84,565 162,983 172,120 18.40 2006 1,920,980 1,839,704 1,767,611 68.80 30.80 99.60 6,349 184,363 130,004 11.96 2007 1,906,125 1,832,988 1,829,554 69.10 30.70 99.80 3,368 174,624 117,555 9.71 FABRIQUES DE MONTREAL 2005 8,079 2,594 2,594 9.91 22.28 32.19 1,759 2,856 1,456 3.47 2006 10,404 3,470 2,600 17.69 23.08 40.77 1,540 2,388 695 1.63 2007 7,550 2,358 2,389 30.35 40.14 70.49 705 3,126 737 1.61 FM GLOBAL 2005 318,475 238,290 238,898 66.91 16.38 83.29 39,924 41,318 62,492 25.61 2006 338,024 243,527 238,872 37.00 16.55 53.55 110,948 35,696 95,948 40.43 2007 288,821 202,867 213,626 38.56 18.05 56.61 92,680 37,816 96,292 30.18 FONDS RC CHAMBRE NOTAIRES QUEBEC 2005 7,284 5,801 5,801 53.34 15.93 69.27 1,783 2,963 4,746 11.82 2006 5,469 4,047 4,047 147.99 23.99 171.98 (2,913) 4,089 1,176 2.73 2007 4,766 3,276 3,276 244.26 30.22 274.48 (5,582) 4,527 (1,055) -2.43 GCAN INSURANCE COMPANY 2005 210,600 66,943 65,248 44.53 33.06 77.59 14,625 20,003 21,163 20.52 2006 208,122 71,049 69,007 46.48 34.50 80.98 13,124 20,141 21,174 17.84 2007 192,328 77,474 73,781 31.18 31.25 62.43 27,722 29,139 40,567 28.09 GORE MUTUAL 2005 166,788 156,712 154,438 62.94 35.17 98.11 4,809 26,318 19,897 18.86 2006 185,874 174,238 165,679 62.81 35.81 98.62 4,339 14,532 12,177 10.02 2007 198,192 185,560 179,559 61.17 36.45 97.62 6,409 25,721 20,209 14.75 Page 5 of 12
GRAIN INSURANCE & GUARANTEE 2005 48,325 28,590 27,782 46.14 42.10 88.24 3,268 2,028 3,588 20.16 2006 46,373 41,224 36,769 42.93 45.51 88.44 4,251 2,703 4,604 23.42 2007 48,399 37,795 36,917 44.42 44.25 88.67 4,181 3,522 5,323 20.32 GROUPE ESTRIE RICHELIEU 2005 35,828 27,726 27,043 54.62 32.63 87.25 3,450 2,933 6,383 11.99 2006 36,282 29,820 28,577 63.57 36.39 99.96 12 3,486 3,495 6.01 2007 36,921 30,840 30,294 69.02 34.08 103.10 (940) 3,320 2,377 3.87 GROUPE PROMUTUEL 2005 485,129 463,638 449,493 60.30 34.80 95.10 22,024 30,292 34,053 10.89 2006 511,104 488,335 474,424 63.12 36.26 99.38 2,913 30,725 20,394 6.03 2007 553,935 531,248 510,457 61.31 35.83 97.14 14,639 29,748 28,198 7.78 GUARANTEE CO. OF NORTH AMERICA 2005 310,951 269,325 270,889 57.09 32.21 89.30 28,991 24,597 37,580 9.02 2006 316,461 260,375 264,454 55.50 32.98 88.48 30,460 32,685 46,997 10.45 2007 285,902 246,958 251,829 55.16 33.79 88.95 27,831 34,130 48,985 9.91 INDUSTRIELLE ALLIANCE 2005 105,766 93,695 89,546 70.27 25.07 95.34 4,176 2,984 4,841 23.67 2006 114,470 102,962 98,583 72.22 26.13 98.35 1,627 2,443 2,303 15.33 2007 121,160 110,094 106,641 67.31 26.99 94.30 6,076 2,903 5,655 29.76 ING CANADA 2005 3,904,901 3,754,937 3,840,176 56.29 29.71 86.00 537,712 510,534 741,499 35.20 2006 3,990,419 3,895,493 3,826,614 59.09 30.36 89.45 403,834 476,672 612,359 27.32 2007 4,099,995 4,002,449 3,932,015 65.72 28.97 94.69 208,854 386,647 445,072 19.89 Page 6 of 12
JEVCO INSURANCE 2005 60,537 219,879 209,205 72.36 30.93 103.29 (6,890) 23,534 11,785 13.65 2006 68,979 205,892 202,747 60.29 33.15 93.44 13,310 31,742 29,244 26.15 2007 95,201 205,771 196,155 56.86 35.09 91.95 15,789 27,856 28,906 21.24 KINGSWAY GENERAL 2005 469,027 162,827 169,090 84.14 6.36 90.50 22,413 20,749 29,339 29.19 2006 427,821 140,940 135,927 83.97 16.25 100.22 4,395 17,767 13,760 11.27 2007 392,722 126,053 120,769 79.89 25.28 105.17 (2,093) 19,065 16,398 12.22 LA CAPITALE 2005 400,976 388,447 379,457 68.80 27.24 96.04 15,052 15,231 21,444 16.97 2006 425,875 411,283 394,843 67.75 28.03 95.78 16,665 15,229 22,342 15.90 2007 459,446 445,633 422,442 63.82 28.41 92.23 32,833 15,147 33,273 21.50 LAWYERS' PROFESSIONAL INDEMNITY 2005 77,463 72,831 72,756 95.78 17.27 113.05 (9,496) 14,606 7,335 7.00 2006 87,095 82,209 82,086 91.70 17.13 108.83 (4,298) 18,734 9,398 8.22 2007 97,276 91,888 91,888 79.79 17.93 97.72 2,102 25,948 17,610 13.82 MENNONITE MUTUAL FIRE 2005 9,514 4,577 4,388 65.65 54.01 119.66 (845) 437 (408) -13.00 2006 10,040 4,734 4,719 59.00 48.00 107.00 (290) 214 (71) -2.00 2007 10,710 4,922 4,728 62.00 48.00 110.00 (437) 212 (160) -5.00 MUTUAL FIRE OF B.C. 2005 14,109 7,523 7,113 34.25 24.76 59.01 2,918 545 3,008 29.03 2006 15,958 8,415 7,842 42.88 26.78 69.66 2,431 723 2,730 2.47 2007 18,800 12,152 10,313 50.64 37.01 87.65 528 992 1,349 5.60 Page 7 of 12
NORTH WATERLOO FARMERS 2005 38,325 28,844 28,169 55.40 44.30 99.70 340 2,458 2,383 8.81 2006 42,160 32,418 30,581 61.30 43.50 104.80 (1,045) 2,978 1,638 5.64 2007 50,306 43,189 38,993 63.04 40.14 103.18 (743) 3,144 2,010 6.41 NORTHBRIDGE FINANCIAL CORPORATION 2005 1,814,482 1,188,470 1,164,548 67.85 25.04 92.89 82,867 201,569 198,415 21.01 2006 1,790,586 1,148,177 1,163,529 71.75 26.23 97.98 23,467 244,887 167,067 15.25 2007 1,612,403 1,076,356 1,098,210 64.10 28.22 92.32 84,348 331,908 295,054 22.17 ONTARIO SCHOOL BOARDS' EXCHANGE 2005 29,950 26,055 26,055 99.85 8.64 108.49 (2,209) 7,817 5,608 16.00 2006 33,445 30,052 30,487 86.20 8.20 94.40 1,708 6,004 7,712 20.50 2007 34,212 31,019 31,542 87.10 8.19 95.29 1,474 6,471 7,945 19.40 OPTIMUM GENERAL 2005 123,701 97,834 99,122 53.56 43.67 97.23 2,748 4,927 5,469 13.72 2006 108,156 86,433 90,386 50.18 45.56 95.74 3,859 4,792 6,151 13.87 2007 96,369 76,531 81,298 47.72 48.88 96.60 2,765 5,273 5,813 11.92 P.E.I. MUTUAL INSURANCE 2005 12,360 10,715 10,040 55.00 39.00 94.00 553 2,417 2,386 9.00 2006 12,527 10,884 10,872 52.81 36.65 89.46 1,146 2,703 3,091 10.73 2007 13,179 11,585 11,186 64.86 38.43 103.29 (369) 2,800 1,140 3.69 PACIFIC COAST FISHERMEN'S MUTUAL 2005 6,764 5,822 5,781 23.94 15.86 39.80 3,487 490 3,977 66.27 2006 6,731 5,753 5,765 25.31 16.05 41.36 3,390 654 4,044 68.52 2007 6,794 5,959 5,949 12.46 17.09 29.55 4,202 490 4,692 75.94 Page 8 of 12
PEACE HILLS GENERAL 2005 111,195 69,944 68,974 63.69 35.31 99.00 2,091 5,048 4,296 13.36 2006 117,581 73,838 70,488 58.29 37.95 96.24 4,121 5,223 5,908 15.91 2007 130,548 88,245 84,536 59.52 39.09 98.61 2,832 7,420 7,359 15.70 POOL INSURANCE 2005 7,059 2,376 2,119-10.90 37.38 26.48 (96) 100 1.06 2006 7,098 1,997 1,994 -.15 38.52 38.37 (112) 112 0.00 2007 6,683 2,334 2,354.00 32.20 32.20 (119) 119 0.00 PORTAGE LA PRAIRIE MUTUAL 2005 129,749 114,615 109,698 64.42 35.06 99.48 2,297 9,206 7,753 11.42 2006 134,204 117,332 115,189 60.82 34.65 95.47 7,020 10,126 11,109 14.37 2007 140,085 121,810 118,621 65.05 36.56 101.61 6 10,150 7,011 7.72 RBC GENERAL INSURANCE 2005 311,593 364,711 356,602 75.10 17.00 92.10 26,974 16,024 28,037 20.95 2006 321,180 369,299 362,465 72.56 20.12 92.68 25,346 23,928 32,117 19.60 2007 350,410 350,966 331,449 68.86 21.54 90.40 30,463 27,147 36,021 18.60 RBC INSURANCE COMPANY (1) 2005 228,682 178,543 176,353 24.98 71.57 96.55 6,087 7,725 12,911 19.78 2006 232,839 190,213 191,330 25.55 68.90 94.45 10,609 8,158 15,768 15.07 2007 235,080 240,332 240,799 37.49 54.12 91.61 20,207 7,650 20,034 13.70 RED RIVER VALLEY MUTUAL 2005 43,368 37,661 36,594 62.42 38.88 101.30 (153) 3,377 2,476 9.95 2006 45,861 39,862 38,432 52.44 38.91 91.35 3,693 2,888 4,762 16.71 2007 47,631 41,578 40,564 51.66 39.80 91.46 3,872 4,520 6,069 17.12 Page 9 of 12
ROYAL SUNALLIANCE GROUP 2005 1,392,821 1,271,689 1,269,870 63.35 31.18 94.53 69,398 162,102 142,670 12.67 2006 1,463,408 1,389,142 1,337,901 60.70 30.14 90.84 122,586 143,790 171,495 13.36 2007 1,578,917 1,503,736 1,443,015 61.99 29.78 91.77 118,829 165,788 183,655 12.61 SASKATCHEWAN MUTUAL 2005 28,589 27,075 25,953 68.13 40.89 109.02 (2,117) 2,196 134.69 2006 31,104 29,772 28,515 50.26 41.76 92.02 2,510 3,522 4,434 20.42 2007 34,944 33,376 31,673 55.07 40.33 95.40 1,710 2,299 2,854 11.60 SGI CANADA (CONSOLIDATED) 2005 306,913 286,384 281,149 57.79 36.16 93.95 17,025 27,632 35,200 30.17 2006 318,752 301,184 290,807 54.01 37.39 91.40 24,995 30,551 52,101 34.17 2007 339,528 320,677 307,862 60.93 38.63 99.56 1,359 34,423 35,093 20.91 SSQ ASSURANCES GENERALES 2005 91,379 89,474 82,865 68.95 29.62 98.57 1,180 5,513 4,426 14.11 2006 92,567 90,292 88,209 68.52 30.14 98.66 1,187 5,090 4,126 11.57 2007 120,773 118,423 99,308 64.87 35.35 100.22 (219) 4,480 3,225 7.95 ST PAUL FIRE & MARINE 2005 243,759 222,870 221,240 52.53 27.63 80.16 43,878 44,488 64,294 2006 255,802 232,901 223,139 60.10 28.73 88.83 24,920 47,092 55,223 2007 286,426 256,794 245,653 54.64 29.20 83.84 39,706 49,213 65,840 TD MELOCHE MONNEX 2005 1,666,079 1,641,273 1,601,475 68.59 21.09 89.68 165,344 80,863 164,149 27.73 2006 1,788,783 1,764,389 1,709,403 69.28 22.95 92.23 132,825 101,963 156,200 20.76 2007 1,861,951 1,836,013 1,785,568 69.18 22.60 91.78 146,876 102,757 164,296 20.74 Page 10 of 12
WAWANESA MUTUAL 2005 1,479,099 1,450,277 1,399,718 71.22 28.26 99.48 25,291 174,253 147,617 10.17 2006 1,523,275 1,490,246 1,448,828 68.80 28.44 97.24 59,502 181,009 167,100 10.41 2007 1,563,108 1,528,937 1,496,879 74.40 29.14 103.54 (42,872) 233,656 115,776 6.36 WESTERN SURETY 2005 14,550 8,640 7,943 13.29 77.51 90.80 730 707 1,023 11.53 2006 16,814 10,104 9,102 2.54 78.14 80.68 1,759 3,140 4,899 28.32 2007 17,484 10,307 10,219 -.18 79.36 79.18 2,127 61 2,188 10.38 YORK FIRE & CASUALTY 2005 210,551 82,605 83,144 69.29 25.48 94.77 7,546 1,411 5,765 15.42 2006 171,958 71,520 74,719 71.54 32.73 104.27 (163) 3,569 2,365 5.77 2007 122,089 43,468 50,738 68.04 44.34 112.38 (3,690) 3,053 (582) -1.34 ZURICH CANADA 2005 863,856 665,400 622,286 70.06 24.79 94.85 34,757 56,267 59,490 12.07 2006 905,623 676,598 664,144 68.29 25.32 93.61 46,503 59,449 60,353 10.57 2007 928,711 659,155 671,462 72.15 27.02 99.17 12,201 68,029 53,523 8.77 Page 11 of 12
TOTAL FOR ABOVE COMPANIES: 2005 29,547,755 26,276,440 25,938,453 63.92 28.56 92.48 2,006,701 2,733,763 3,244,469 TOTAL SOCIETES CI-DESSUS: 2006 30,462,369 27,309,945 26,841,581 63.65 29.20 92.85 1,981,217 3,062,328 3,373,297 2007 30,956,899 27,928,406 27,404,489 64.31 29.77 94.08 1,673,565 3,341,972 3,410,777 NUMBER OF COMPANIES: 63 NOMBRE DE SOCIETES: 63 (1) Formerly/Antérieurement, RBC Travel Insurance Company Page 12 of 12
Disclaimer SCOR Canada Reinsurance Company has made all reasonable efforts to ensure that information provided in The SCOR Report is accurate at the time of inclusion. However, information provided in this document may contain inaccuracies, omissions or typographical errors. Content may be completed, changed or updated at any time without notice. SCOR Canada Reinsurance Company accepts no liability for any inaccuracies or omissions in The SCOR Report nor for any direct or indirect damages, or any other damages of whatsoever kind resulting from whatever cause through any person's access, or inability to access The SCOR Report, or through the use of and/or reliance upon any information contained therein. Duplication of The SCOR Report is authorized for private and informational purposes only and any other duplication or use thereof is expressly prohibited. Avertissement SCOR Canada Compagnie de Réassurance fait ses meilleurs efforts pour assurer l'exactitude de l'ensemble des informations fournies dans Le Rapport SCOR au moment de leur mise en ligne. Cependant, les informations fournies peuvent contenir des inexactitudes, omissions ou des erreurs typographiques. Ces informations peuvent être corrigées, modifiées ou mises à jour à tout moment sans préavis. SCOR Canada Compagnie de Réassurance décline toute responsabilité pour toute imprécision, inexactitude ou omission portant sur des informations disponibles dans Le Rapport SCOR. SCOR Canada Compagnie de Réassurance décline toute responsabilité pour tous dommages, directs ou indirects, quelles qu'en soient les causes, origines, nature ou conséquences, provoqués à raison de l'accès de quiconque au Rapport SCOR ou de l'impossibilité d'y accéder, de même que l'utilisation du Rapport SCOR et / ou du crédit accordé à une quelconque information provenant directement ou indirectement de ce dernier. La reproduction du Rapport SCOR est autorisée aux fins exclusives d'information pour un usage personnel et privé : toute reproduction et toute utilisation de copies réalisées à d'autres fins est expressément interdite.