Finance committee  As a CEO of a mutual company myself, I would reiterate that for some people, eventually it will affect availability because we have a tendency to insure those things in rural Canada that the big P and C insurers don't want to deal with. Farming and fishing is one of those, so it

Finance committee  That's correct. It's pretty straightforward. We collect premiums to pay claims. Whatever is left over from our claims and our operating expenses we're able to return that back to our policyholder members, though we do need to keep an amount for reserves in the event of unforeseea

Finance committee  Thank you. First of all, I want to thank this committee for the opportunity to appear before you. The Canadian Association of Mutual Insurance Companies is an association of 79 mutual and co-operative insurance organizations operating in Canada. About 75 of our members are what