The Pace

In July, the Insurance Institute finished moving into our new Toronto offices at 150 York Street. We’re excited to provide an update on our new home.

We operate together as a coast-to-coast network of 19 institutes and chapters located in every province across Canada, and in Toronto, our home was at 18 King Street East. After moving to that location more than three decades ago, we’ve had the pleasure of educating and interacting with generations of members, volunteers, councils, committees, boards, and staff as we’ve grown and adapted with the changing needs of the p&c industry.

Growth and change have always been part of the Institute’s 127-year history and the insurance industry at large. And as we’ve experienced so much change, we’re proud to take the next step in our journey by moving across town to the corner of York and Adelaide Streets.

At our premises at 150 York, we’ve designed a brand-new space that brings together the GTA teams of The Insurance Institute of Canada as well as the Insurance Institute of Ontario, along with our media and production facilities. In addition, the internal offices include several meeting room configurations with capacity for our staff, board members, and collaborators to gather. Also at this site, we look forward to welcoming members into our modernized GTA classrooms, which are now open for students to book their in-person exams for national program courses and licensing.

The York and Adelaide neighborhood is part of the Financial District in downtown Toronto. Our members, volunteers, and staff will be well served at this location with direct access to the underground PATH network and transit systems, and other local amenities.

Our recent move to 150 York represents only a small step in our organization’s long history. From our new Toronto location, to all the regions served through our institutes and chapters across the country, we continue our commitment to innovation, thought leadership, and high standards for education in the p&c industry.

Thank you to our members, industry partners, and employers for their continued support.

Stéphane Lespérance, CRM, Chair of the Board of Governors of The Insurance Institute of Canada (IIC), reflects on his career journey and offers advice to members, students and grads for a rewarding career in the insurance industry.

1. If you had it to do all over again, is there anything you would do differently in your career journey? What would you be sure to repeat?

If I had the chance to start over, I would likely take a few more calculated risks earlier in my career and trust that growth often comes from stepping into opportunities before everything feels perfectly in place.

Early in a career, it’s easy to think you need to be fully ready before saying yes to a challenge. Many of the best opportunities are the ones that force you to learn as you go.

I would also remind myself to enjoy the journey more. Careers move quickly, and we often focus so much on what comes next that we forget to appreciate where we are.

What I would absolutely do again is trust the value of hard work, consistency, and relationships. Skills matter, but people remember how you show up, how you treat others, and whether they can count on you. Those things open more doors than any title ever will.

2. What are you most proud of in both your career and your personal life?

Professionally, I am proud of the relationships built over time and the opportunity to contribute to the growth of people and teams throughout my career. The impact we have is not always immediate or visible in the moment, but it shows up over time, in the confidence of others, in the strength of organizations, and in the leaders people become.

On a personal level, what stands out most is my family. I am proud of the life we have built together and deeply grateful for the support of my wife and children throughout the different stages of my career. They have been a constant source of grounding and encouragement, especially through the demands and intensity that come with leadership roles.

As my children are now grown, there is also a real sense of pride in watching them pursue their own paths and dreams. That in many ways, is the most meaningful measure of success, seeing them become independent, curious, and driven individuals.

And personally, I also take pride in continuing to challenge myself beyond work. Whether through endurance goals like Ironman races or other pursuits that require discipline, resilience, and commitment. These experiences have reinforced the importance of pushing boundaries and staying connected to personal ambition, not just professional responsibility.

3. Why do you believe it’s important to continue upgrading your skills and knowledge throughout your career?

Because standing still is not realistic anymore. Our industry, our clients, and the world around us continue to evolve, and we need to evolve with them.

Learning is not only about technical knowledge or credentials. It is about staying curious, understanding new perspectives, and being willing to challenge habits that may have worked in the past but may not serve us in the future.

The people who continue to grow throughout their careers are often the ones who remain energized, relevant, and ready for whatever comes next.

4. Do you feel volunteering within the industry is essential to expand your knowledge and skillset? If so, why?

I do. Volunteering gives you experiences that are different from your day-to-day role and often pushes you to think beyond your own business or immediate priorities.

It gives you the chance to work with people from different backgrounds, organizations, and levels of experience. That alone can teach you a great deal.

It also helps build skills that are valuable in any leadership role, such as listening, collaboration, patience, and the ability to move ideas forward through shared effort. Just as importantly, it reminds us that strong industries are built by people who are willing to contribute, not only participate.

5. As a volunteer with IIC, what has brought you the greatest satisfaction?

What has been most satisfying is not any single initiative, but the sense of being part of something that genuinely matters to the industry’s future.

There is something very real about working alongside volunteers who care deeply about developing others; people who give their time not for recognition, but because they believe in building a stronger profession. That spirit is what stands out.

The most meaningful moments have been hearing directly from members, students, or early-career professionals about how the Institute has helped them gain confidence, clarity, or opportunity. Those moments are simple, but they stay with you.

And on a personal level, it has been rewarding to contribute to a community where the impact is collective and where progress happens because people choose to show up, share, and support each other.

6. This will be your final message as Chair of IIC in The Pace. What parting words or advice would you like to leave with the membership/students/grads of the Institute?

The strength of our industry will always come down to its people, those who choose to keep learning, to contribute, and to support others along the way.

If I were to leave a few simple takeaways, they would be these: stay curious, stay humble, and stay engaged. Commit to growth, even when the path is not linear. Some of the most valuable career moments come from unexpected opportunities, setbacks, or changes in direction.

Invest in relationships. Skills and experience matter, but the people you learn from, work beside, and help along the way will often shape your career more than any formal plan.

Be adaptable. Our industry will continue to evolve, and those who embrace change rather than resist it will be best positioned to lead.

And finally, give back. Whether through mentorship, volunteering, or simply helping someone earlier in their journey, contributing to others strengthens all of us.

The Institute remains a community built on shared learning and shared progress. I encourage each of you to stay connected to it, and to each other, as you continue building the future of this profession.

Greg Smith, MBA, ICD.D, FCIP, CRM, President of the Insurance Institute of Ontario (IIO), President of Crawford & Company (Canada) Inc. shares insights and provides guidance to members, students, and graduates on building a fulfilling career in the insurance industry.

1. What would you say is the most attractive proposition about working in the insurance industry and what positive message do you have for the membership about the future of the industry?

When most people think about the insurance industry, they see it narrowly: policies, claims, and transactions. The reality is far more compelling. Insurance is not just an industry; it is an economy within an industry: a dynamic, interconnected ecosystem of roles, capabilities, and career paths that touch nearly every aspect of society.

Within this ecosystem lies an extraordinary breadth of opportunity. From claims and underwriting to data science, customer experience, technology, and risk advisory, the industry enables individuals to build careers aligned not only to their skills, but to their passions. This diversity allows people to grow, evolve, and shape meaningful, often non-linear careers, frequently without ever leaving the industry.

At its core, what truly sets insurance apart is its purpose. We are in the business of serving people—often at the most important or difficult moments in their lives. As we look ahead, the future is strong, driven by increasing complexity of risk, accelerating digital transformation, and a growing need for trusted expertise. Our opportunity now is to better tell this story, to position insurance as a modern, dynamic, and purpose-driven career destination.

2. Why do you think a career in insurance is exciting/rewarding?

A career in insurance is both exciting and deeply rewarding because no two days are alike. The work is dynamic, situational, and constantly evolving, requiring both analytical thinking and human empathy.

At its core, this is a business of serving people. Whether helping a family recover after a loss or supporting a business through disruption, the impact is real and immediate. It is one of the few industries that combines technical problem-solving with meaningful human connection.

It is also an industry built on continuous learning, development, and growth. Individuals can build deep expertise while expanding their capabilities across roles and disciplines. The result is a career that offers both stability and variety, along with the fulfillment that comes from knowing the work truly matters.

3. What would you say are some of the top/most interesting roles in insurance today and why?

There are many compelling roles across the industry, reinforcing the idea of insurance as a full economic ecosystem, but a few stand out.

I will acknowledge a bit of personal bias toward claims professionals. Claims is the moment of truth in our industry—where the promise made becomes the promise delivered. It is a role that blends technical expertise, judgment, and empathy, and is increasingly supported by technology that allows professionals to focus even more on what matters most: the customer.

Equally exciting are data, analytics, and technology roles, which are transforming the industry in profound ways. These capabilities are helping us make better decisions, reduce friction, and deliver faster, more personalized service. They are central to how we evolve and scale.

Together, these roles highlight both the diversity of opportunity and the increasing sophistication of our industry.

4. What do you see as some of the key challenges and opportunities emerging for our industry over the next 5 years?

Looking ahead, several key challenges will shape our path forward, each closely tied to customer trust.

We must continue to attract and retain top talent in what remains, at times, an underappreciated and misunderstood industry. At the same time, we are navigating increasing frequency and severity of catastrophic events, requiring resilience and adaptability. And we must ensure that innovation keeps pace with rapidly rising customer expectations.

Within these challenges, however, lies meaningful opportunity.

The advancement of artificial intelligence and emerging technologies is allowing us to fundamentally reshape how we work, removing friction, enhancing decision-making, and improving both the employee and customer experience. At the same time, we have an opportunity, and a responsibility, to reposition our industry, more clearly articulating the breadth, purpose, and impact of what we do to attract the next generation of talent.

5. Why should employees of the industry feel great pride in our work?

Those of us in this industry should feel a deep sense of pride because, quite simply, insurance makes everything else possible.

What makes that statement so powerful is the range of moments we enable, spanning both the routine and the extraordinary.

Generative AI is no longer a future issue for education or for the insurance profession. It is already shaping how people learn, solve problems, and approach their work. For The Insurance Institute of Canada, the priority is to help learners and instructors use these tools in ways that strengthen learning, uphold academic standards, and prepare members for a workplace where generative AI will increasingly be part of everyday practice.

The Institute sees this as an opportunity to improve learning and provide practical guidance as generative AI becomes more common in education and work.

From exploration to integration

While much of the Institute’s work is focused on the future, the organization has been experimenting with generative AI for some time. Through this early work, the Institute has developed a growing understanding of the contribution these tools can and are already making to professional education while considering how they can be meaningfully leveraged in the future.

In media production, generative AI is being used to support the creation of visual and learning assets. These tools help improve production efficiency while allowing for more flexibility in how content is developed and presented.

Generative AI is also supporting examination development. Examination specialists are using these tools to help analyze question banks, identify gaps, and improve the structure of assessment questions.

Across the Institute, generative AI is being used to support key areas of educational development and delivery. In content and eBook development, there is a growing focus on how AI can be embedded directly into learning materials to support students as they move through course content. This includes exploring how AI could help learners understand concepts and navigate materials in a more interactive way.

The Institute is taking a thoughtful approach, moving from experimentation and piloting toward broader integration of generative AI where it can meaningfully enhance the student learning experience.

Supporting learning today, preparing professionals for tomorrow

As the industry’s professional educator, the Institute has two distinct perspectives. First, it must ensure that students use generative AI within clear academic parameters and expectations. Second, it must help prepare learners to use these tools effectively, competently, and responsibly in the workplace.

This reflects a broader shift across education, the insurance industry, and society. The goal is not to restrict use, but through experimentation and pilots, build an understanding of generative AI that informs both how to apply the tools and how students are supported in using them meaningfully within their courses.

Supporting learning through clear academic expectations

As adoption increases and people become more comfortable using the tools, students need clear and consistent guidance on how generative AI should and should not be used in their learning. As these tools become more common, expectations must be simple, transparent, and easy to apply.

The Institute is working toward guidance that positions generative AI as a tool to support learning while reinforcing academic integrity. Within that context, students are expected to be transparent about their use of AI where required, verify the accuracy of outputs, and maintain responsibility for the work they submit.

The tone of this guidance is intended to support learning and build confidence, not to discourage students from engaging with new tools.

This responsibility also shapes how the Institute approaches assessment design, instructor support, and the use of features that enhance the student learning experience without weakening academic standards.

Preparing learners for professional practice

The second perspective is professional readiness. As the industry’s professional educator, the Institute must help learners and instructors understand how generative AI is already being used in real work, and how to use it effectively, competently, and responsibly in that environment.

That means preparing people to exercise judgment. In the workplace, expectations are different from the classroom: the issue is not only whether AI is permitted, but whether it is being used appropriately, accurately, ethically, and with a clear understanding of its limits.

The goal is to help instructors feel supported in teaching with these tools while helping learners build the habits, confidence, and professional judgment they will need beyond the classroom.

Building a framework that can evolve

Generative AI is changing quickly, so the Institute’s framework must be able to evolve with it. That includes continuing to refine both sides of the work. Academic guidance that protects integrity, learning quality, and ensures learners achieve the intended learning outcomes and can demonstrate that achievement, and professional guidance that prepares people for emerging expectations in the workplace.

The Institute is developing a model that includes clear governance, ongoing input from across the organization, including through the AI Task Force, and practical updates to guidance and resources as industry needs change. This will help ensure that the framework remains relevant both educationally and professionally.

The intent is to build a system that supports continuous learning.

Looking ahead

Generative AI is shaping education, the insurance industry, and society. The Institute’s role is not one-dimensional. It must both protect the integrity of learning, our credentials, and help learners become ready to use these tools in professional practice.

The focus is on building confidence, capability, and clear expectations across both responsibilities. By doing so, the Institute can support a learning environment where generative AI enhances the student experience while also preparing future insurance professionals to be work ready.

By continuing to evolve its approach to generative AI, the Institute is strengthening its role as a trusted source of professional education, ensuring its programs and credentials continue to reflect the knowledge, skills, and professional standards learners need to succeed in a changing industry.

What Insurance Leaders Need to Know About Home Insurance Affordability

Good leaders spend time thinking about what comes next. That is one of the key benefits of the Insurance Institute's Emerging Issues Research Series.

The latest report, Home Insurance Affordability: Implications for the Insurance Industry in Canada, looks beyond today's headlines to examine the forces that could shape the home insurance market over the next decade. While home insurance remains affordable for most Canadians, the report identifies growing pressures that industry leaders should be watching closely.

Among the most striking findings is that the five-year average of severe weather claims has increased tenfold over the past 30 years, while rebuilding costs, reinsurance expenses, and exposure to risk have all risen. In 2024 alone, insured losses from severe weather reached a record $9 billion. These trends have implications for pricing, customer expectations, regulation, product design, and the long-term availability of coverage.

More importantly, the report does not simply describe the challenge. It explores where leaders can focus their attention today, including resilience, risk reduction, homeowner incentives, and partnerships that can help improve outcomes for consumers and the industry alike.

For executives, managers, and emerging leaders, Institute research offers more than analysis of current issues. It provides a valuable forecasting tool to help anticipate change, identify emerging risks, and prepare for the decisions that lie ahead.

Download the full report to explore the findings, recommendations, and the outlook on:
Home Insurance Affordability: Implications for the Insurance Industry in Canada.

It is well understood amongst those of us in the property & casualty industry just how dynamic our careers are. But how do you introduce the unacquainted with the updated notion of what our leading-edge careers are like? How do you tear down stereotypes to make clear what’s hiding in plain sight? Careers in p&c are literally at the intersection of business, economics, risk management, law and human ingenuity.

Our “Project Reframe” ad campaign, is meant to open eyes and minds with messages directed toward target audiences including recent graduates, newcomers to Canada, and career changers. Phase 3 of our national, bilingual, multi-media, insurance career rebranding campaign ran from January 26 to May 30, 2026, and exceeded all key goals, including impressions, clicks, and video complete rates.

The campaign was delivered to our audiences where they work, live, and play - through digital channels including social media, programmatic, influencer marketing, search ads and an extensive out-of-home network. 25+ digital and out-of-home vendors reached millions of individuals across Canada and leads initiated on our campaign microsite continue to be nurtured through our Insurance Career Connections team.

“The goal is to guide and support prospects in making purposeful choices to join our welcoming industry. To do this, the campaign expresses a modern industry at the forefront of today’s technology, where rewarding careers are inherent in this strong and stable industry,” said Peter Hohman, President and CEO of The Insurance Institute of Canada.

“This landmark p&c career rebranding campaign was conceived together with industry task force partners to help address the talent gap and build strong awareness and positive sentiment for our industry amongst career seekers. The campaign resets outdated stereotypes and shares our industry’s actual story,” said Hohman.

#PurposeMeetsPassion - feel free to use this hashtag to join us in the digital arena and support the campaign when you encounter it.

To view the English :30s video ads, please visit the campaign micro-site at:
PurposeMeetsPassion.ca

To view the French :30s video ads, please visit the campaign micro-site at:
DonnerUnButALaPassion.ca

Insurance Career Connections, a division of the Insurance Institute of Canada, is excited to introduce a new careers platform to serve as a conduit to introduce talent to potential employment in the industry.

The job board platform offers custom subscription combinations for employers based on their hiring needs. A Pro subscription is designed for small to medium-sized employers and has an employer page within the portal to showcase and highlight current roles and communicate directly with interested candidates.

The Enterprise subscription builds on the Pro offerings and saves employers time by automatically importing job postings from their existing career pages and collating them directly within the Insurance Careers Platform’s Job Board. This is built for large employers who frequently post jobs in high volumes, and who want their candidates to go through their company’s existing ATS system.

Candidates can also participate in an optional talent directory where they can upload their resumes and employers can search their credentials directly. Candidates can access the platform via desktop or through the exclusive Insurance Careers Platform app that offers instant communication between employers and candidates and features a map showcasing roles within their region.

Within the first two months of launching, the platform has featured over 700 postings for p&c roles and more than 23,000 page views.

Take a look at the site here: https://insurancecareers.kibbi.ca/

Property and casualty insurance has a multitude of career opportunities in a variety of settings. When connecting with insurance professionals, you soon discover that there are almost as many routes through the industry as there are people who work in it.

Continuing our series on the many roles available in the industry, we recently chatted with William Slade, BA, CIP, CFEI, Vice President, National Property and Contractor Connection, Crawford & Company (Canada). Here’s what William had to say:

Getting started

I started working in Personal Lines in university, and then at a Commercial Brokerage before moving into Claims. The claims process was interesting as it involved the actual response of an insurance policy, once there was an occurrence. Claims adjusting was exciting because you travel to a location to investigate an incident, work to determine the cause of loss and then based on the facts, analyze the policy to determine how coverage will apply.

Initially, I planned on a career path that involved following storms around the world and adjusting claims on partially damaged rooftops. Those types of experiences ultimately lead to roles that involve identifying new technologies, automations and workflows to ensure claim handling efficiencies, and the best user experience. With AI and new technologies, imagining the future state of claim handling is very exciting.

The CIP program formed the foundation of my career in loss adjusting. Courses such as Principles and Practices of Insurance and Insurance on Property gave me core technical knowledge as a new Property Adjuster. Interestingly the first course that sparked my interest in the insurance industry was C16: The Business of Insurance, which happens to be the capstone course in the CIP program. Earning my Certified Fire and Explosion Investigator (CFEI) certification further strengthened my ability to handle fire losses and broadened my investigative skills.

My role

In my current role I am focused on delivering high-impact property claims solutions to insurers, Brokers and commercial clients. My focus is on continuously improving the claim experience by building high performing teams, strengthening client relationships, and delivering strategic improvements that enhance claim service quality and operational efficiency, backed by data analysis and client reporting. I do this by collaborating with clients and stakeholders to help solve their property claims handling challenges. This can involve developing catastrophe preparedness and response, analyzing data to developing processes and technologies for loss adjusting and working with our internal teams to enhance the claim process. I also get to play with a lot of new technology and work with Adjusters using these new technologies in the field.

We are always identifying the latest digital solutions to offer an exceptional client experience. I am currently involved in the industry as an Ambassador with Insurance Career Connections and as an Ontario Regional Executive Member, serving as Director of Eastern Ontario for the Canadian Independent Adjusters’ Association (CIAA). These roles have given me the opportunity to promote ways to support industry development and strengthen connections across the adjusting community. Being involved beyond my day-to-day role has allowed me to contribute to discussions around the future of claims and loss adjusting. It has also reinforced the importance of mentorship, professional engagement, and continuous learning, all of which have had a meaningful impact on my career growth and leadership development.

Advice for young professionals

My advice would be to build a strong technical foundation early, stay curious, and take every opportunity to learn from experienced professionals around you. In claims and loss adjusting, no two files are exactly the same, so developing sound policy knowledge, investigative skills, and good judgment is critical. At the same time, be open to new experiences, new technology, and different types of claims, because that is how you grow. Seek out mentors, ask questions, and don’t be afraid to take on challenges that stretch your abilities. Insurance is an industry where continuous learning and relationship-building can create many career opportunities over time.

Throughout an Adjuster’s career and especially in the beginning, you inevitably encounter claims that are larger or more complex than anything you’ve handled, which can be a real challenge. I’ve been fortunate to spend nearly 20 years in an organization with deep technical expertise, strong leadership, and a culture where support is readily available. I made a point of leaning into seeking guidance, asking questions, and learning from those who had handled similar complexity before. Over time, that approach helped me build both technical confidence and consistency in how I handle increasingly complex claims. Sometimes overcoming a challenge is simply having the awareness to ask for help and to leverage the expertise around you.

My most enjoyable successes come from sharing my experiences with new claims professionals and building high-performing teams of Adjusters. It’s achieved by having great mentors, continuing education and accepting new experiences.

Learning about the insurance industry is continuous and it comes from people teaching you about what we have done before, acquiring technical abilities through education, and applying that knowledge to new experiences.

Since 2024, the CIP program has provided students with access to an interactive learning feature called Enabling Skills for the Insurance Professional. These short, self-study modules – developed in response to industry guidance – complement the CIP courses by addressing additional workplace-critical skills in a concise, flexible format. Access is exclusive to CIP students.

After a two-year transition period, the modules are now a required component of the CIP program. Beginning with registration for fall 2026, students need to have completed the CIP Enabling Skills modules before registering for C16: The Business of Insurance.

The CIP Enabling Skills modules at-a-glance:

• No cost, no registration: modules are automatically available to CIP students
• No books, no instructor, no exams: everything is online in one place, including a short test at the end of each module
• 10 interactive modules, each taking about an hour
• Topics include critical thinking, advising, ethics and professionalism, digital and technological fluency, and more
• Modules can be completed in any order, at any time (including between CIP terms), and can be repeated as needed

If you’re in progress on your CIP, consider tackling a module or two as a learning warm-up before your fall courses start. You can find the link to Enabling Skills for the Insurance Professional in your e-learning account, near links to your CIP courses.

We invite members to share their perspectives on this scenario. Email us at: ethics@insuranceinstitute.ca. Selected responses may be featured in a future issue of The Pace.

When matching materials are no longer available, a claim that meets the terms of the policy may still leave a customer dissatisfied. In this issue, Brynn Tucker, FCIP, explores the ethical considerations surrounding partial replacement and visible mismatches following a covered loss.

Claims Matching (Partial vs. Full Replacement)

A homeowner suffers a partial loss (e.g., hail damage to a portion of a roof or siding). The insurer agrees to replace only the damaged portion, leaving visible mismatches. The policyholder argues this does not restore the property to its pre-loss condition.

An insured’s five-year-old roof suffered damages due to a hailstorm. An Adjuster was appointed to handle the claim; they read the policy and noted the insured’s replacement cost coverage for building damages with adequate limits and a deductible which they believe would be applicable if the claim is determined receivable. The Adjuster confirmed a hailstorm occurred on the date of loss in the area where the insured resides. The Adjuster confirmed coverage and only needed a few details to authorize payment.

The appraiser’s report confirms 40% of the roof was damaged by the hailstorm while the remaining 60% is still in good condition. The type of shingles used by the roofers to complete the installation are still in production, however, the colour option the insured chose is no longer available. The Adjuster proceeds to advise the insured that the damaged shingles will be replaced, per the replacement cost coverage which provides for materials of like kind and quality. The insured argues that their roof will look awful with a patch of mismatched shingles when compared to the undamaged portion. The insured asks to speak with the Adjuster’s supervisor. The supervisor advises the insured that the Adjuster adequately handled the matter in accordance with the policy. They next advise them that nothing more can be done as the product the insured requested no longer comes in the colour that would match the undamaged portion of their roof. The insured advises that they intend to file an official complaint; the supervisor outlines the process of doing so and follows up in writing to ensure that the insured has the information they require.

The insured calls their Broker as they are very unhappy after speaking with the Adjuster and their supervisor. The Broker is concerned and wishes to help the insured, despite their short business relationship of only two years. They also wish to keep this client as the insured has paid their premiums on time and has a clean loss history, present claim excluded. The Broker worries about whether the insured’s perspective of the insurance industry will be negatively affected due to their claims experience, they also begin to think about ways to salvage their relationship.

Was the Adjuster reasonable in their adjudication of the claim?

How can they salvage their relationship with their client even if this claim situation is not resolved to the insured’s satisfaction?

We invite members to share their perspectives on this scenario. Email us at: ethics@insuranceinstitute.ca. Selected responses may be featured in a future issue of The Pace.

Survey Prize Draw Winners

Thank you to everyone who participated in this year's Member Benefits Survey. Participation increased significantly over last year, and your feedback will help shape future CIP Society programs and services.

Congratulations to our four $100 Indigo gift card winners:

• Danielle Theriault
• Jason Brink
• Chelsea Lacey
• Mei Ying Hu

Ethics Committee Volunteers Wanted

The CIP Society is seeking volunteers for its Ethics Committee. Committee members contribute to ethics articles, discussion scenarios, and other resources that support professional excellence in the insurance industry. To express your interest, please email your résumé or LinkedIn profile to: ethics@insuranceinstitute.ca.

Throughout the year, the Institute looks forward to awarding a series of scholarships and bursaries for insurance education. Established in 2023 on behalf of the Alberta Insurance Council, the Alberta Insurance Council (AIC) Grant is available to eligible students in Alberta who are pursuing their CIP, ACIP or FCIP, and do not receive financial support from their employer.

We recently reached out to the spring 2026 AIC Grant recipients, who are all members of the Insurance Institute of Southern Alberta: Illia Fedoruk, Quinn Ryckman and Josie Petrillo. Each of them is at a different stage in their career, including a recent career changer, a recent post-secondary graduate, and an experienced industry professional. They are grateful that the financial support from the AIC Grant will enable them to continue with their CIP, a program that has expanded their industry knowledge and their confidence and will empower them to offer better service to clients and colleagues.

“I have been working in the insurance industry for only about seven months, so I am still at the early stage of my career,” said Illia Fedoruk, who transitioned to insurance from a previous background in law. “As a new professional, it can be financially challenging to invest in education while building my career, so this grant gives me the opportunity to continue learning, developing my knowledge, and gaining confidence in the industry. This grant will support my education, help me grow, and allow me to provide better service and guidance to the people I work with.”

“With only two CIP courses remaining, receiving this grant will help offset the costs associated with completing my designation, including course fees, textbooks, and exams, and allow me to remain focused on achieving my educational goals while continuing to build my career,” said Quinn Ryckman, who completed eight CIP credits as part of her post-secondary studies and recently started working in the industry. “By investing in my education today, this grant supports my long-term goal of making a meaningful contribution to the insurance industry and serving clients with confidence and integrity.”

“The CIP isn’t just a credential for me. Everything I’m studying shows up in my day-to-day conversations with clients, and it’s helping me grow toward the senior advisory and leadership roles I’m aiming for in the property and casualty space,” said Josie Petrillo, who has 14 years of experience in the industry. “Balancing the cost of the courses with work and my volunteer commitments can be a lot, so having this support would take some pressure off financially and let me stay focused. This grant has given me the opportunity to keep moving forward confidently and continue building my career and level of professionalism that I want to bring to the industry.”

For interested candidates, applications and eligibility details are available for three scholarships and bursaries with upcoming September 2026 deadlines. Congratulations to this year’s applicants and recipients.

#DYK? The five-year average of severe weather claims paid by Canada's insurance industry has increased tenfold over the past 30 years, rising from approximately $400 million annually in the mid-1990s to $4 billion today. In 2024 alone, insured losses from severe weather reached a record $9 billion.

To learn more about the factors affecting home insurance affordability in Canada, download the full Home Insurance Affordability: Implications for the Insurance Industry in Canada report.

Call for content contributors

Are you looking to share your industry knowledge and understanding of current best practice? Are you eager to participate in a rewarding professional development experience? Consider joining our community of industry professionals and contributing to the Insurance Institute of Canada’s expanding content library and course offerings.

We are looking for volunteers with:

1. Three to five+ years of experience in the p&c industry, in areas such as Underwriting, Claims, Risk Management, or Sales.
2. Expertise in emerging and evolving fields, such as data analytics, extreme weather, pandemics, autonomous vehicles, and cyber security.

Experience in writing or teaching is not required. A dedicated editor will guide you through the process and help you review, update, and/or write content.

As a volunteer, you will be thanked in the Institute’s annual report and receive an honorarium for your contribution.

If you or someone you know would like to share your expertise and contribute to the development of the Institute’s professional designation and certificate programs, contact academicprograms@insuranceinstitute.ca. As a next step, you’ll be asked to fill out a brief online form outlining your experience and credentials. The academic programs team will then determine how your expertise aligns to the projects that are under way.

The Insurance Institute welcomes your expertise!

Membership renewal helps you stay in the know!

As a member, you can continue to give your career a boost with our coveted CIP, ACIP, FCIP, and CMGA designation programs and our Risk Management and Commercial Insurance certificate programs, as well as professional development opportunities that give you access to the latest industry knowledge and real-world practices.

Our membership year runs from June 1 to May 31. We have already sent notifications out to you or your employer by email or post, and our Member Services team is busy processing renewal payments. If you haven’t renewed your membership already, we encourage you to do so as soon as possible to ensure that service interruptions are avoided.

Renew and pay online now—it’s quick and easy:

1. Click on the “My Account” tab on the website home page.*


2. On the “Login” page, log in with your User/Member ID and Password.


3. On the “Overview” page, renew and pay for your membership online.


4. If you require any assistance, please contact our Member Services Team as soon as possible at 1-866-362-8585, Monday to Friday, from 8:00 a.m. to 7:00 p.m. EST.

*Be sure to view your profile and update your details if they have recently changed.

2026—Annual General Meeting

The 73rd Annual General Meeting of The Insurance Institute of Canada will be held in Montreal, Quebec on Tuesday, October 27, 2026, at the Sofitel Hotel. The meeting will begin at 3:30 p.m. and follow this agenda:

1. Notice Calling Meeting; Roll Call
2. Reading of Minutes
3. Reports of Officers, Councils, and Committees (including Chair’s Address)
4. Annual Financial Statements and Auditor’s Report
5. Approval of Acts of Governors
6. Elections
7. Appointment of Auditors and the Determination of Their Fees
8. Such other business as may be properly brought before the meeting
9. Termination

Stéphane Lespérance, CRM
Chair of the Board of Governors

Peter G. Hohman, MBA, FCIP, ICD.D
President and Chief Executive Officer

Course Text Updates – August 2026

English Course Text Updates

French Course Text Updates