Our mission

The Corporation des assureurs directs de dommages (CADD), which was formed in 1991, groups together 10 direct property and casualty insurance companies currently active in Quebec which alone account for over 60% of the personal-lines damage insurance sales volume in the province. CADD’s mission is to support its members and increase awareness of their work among various political, regulatory and socioeconomic stakeholders in the industry. It focuses on highlighting, protecting and promoting the strengths and advantages of its members’ distribution model for the benefit of consumers.

Harmony and collaboration

Practice the profession harmoniously in collaboration with all stakeholders.

Fairness

Seek and maintain fairness among distribution channels.

Flexibility and efficiency

Ensure the flexibility and efficiency of regulations.

Free choice

Promote the consumer’s freedom of choice with regard to the distribution of products and services.

Power and authority

Ensure that CADD members have the necessary power and authority to face the new market realities.

PROPERTY AND CASUALTY (P&C) INSURANCE IN QUEBEC1

Quebec P&C insurance industry:

  • 170 insurers are licensed to operate in Quebec: 50 are based in Quebec, 62 are based in other provinces of Canada, and 58 are based in foreign countries.

Market share:

  • Quebec-based insurers hold 47.7% of Quebec market share.
  • For auto insurance, direct insurers hold 57.6% of market share.
  • For home insurance, direct insurers hold 62.9% of market share.

Economic benefits of the industry:

  • Nearly 40,000 direct and indirect jobs, 18,000 of which are direct jobs
  • $3.8B in economic benefits
  • $450M in taxes paid each year
  • $367M paid in employment insurance and health service fund contributions
  • $3.1M paid in community involvement

Economic impact on CADD members:

  • More than 5 million contracts in force
  • 3 out of every 5 people insured by a direct insurer that is a CADD member
  • $4B in annual premium volume
  • 10,000 direct jobs
  • More than $2B of annual benefit payments

1Sources: Étude économique sur l'industrie de l'assurance au Québec. RCGT, March 20, 2018. Compilation of statistics from CADD members.

Activities and partners

Activities and partners

CADD speaks for its members in communications with P&C insurance industry, government and consumer agencies.

With the collaboration of its members, CADD carries out and participates in statistical or market studies, in accordance with its mission and for the achievement of its objectives.

Main CADD partners:

Autorité des marchés financiers (AMF)

Canadian Life and Health Insurance Association (CLHIA), Quebec chapter

Insurance Bureau of Canada (IBC), Quebec chapter

Canadian Association of Direct Relationship Insurers (CADRI)

Chambre de l’assurance de dommages (ChAD)

Coalition en assurance de dommages

Finance Montréal

Institut de l’assurance de dommages du Canada, Quebec chapter

Board of Directors

Alain Camirand, Chair of the Board
TD Insurance

Guy Lecours, Vice Chair of the Board
Groupe Promutuel

Manon Roy, Director
Industrial Alliance Auto and Home Insurance

Patrick Décarie, Director
The Co-operators

Kareen Gaudreault, Director
Desjardins General Insurance Group

Antoine Létourneau, Director
Allstate Canada

David Fortier, Director
La Capitale + SSQ

Marie-Lucie Paradis, Director
Bélair direct

Jean Mathieu Potvin, Secretary-Treasurer

Past Chairs

Michel Laurin, Chair 2015 – 2019
Industrial Alliance Auto and Home Insurance

Henry Blumenthal, Chair 2011 – 2015
Vice-President, Quebec Region
belairdirect

Patrick Barbeau, Chair 2010 – 2011
Deputy, Senior Vice-President, Marketing and Operations
belairdirect

Michel Verreault, Chair 2009 – 2010
Senior Vice-President of Distribution
Desjardins General Insurance Group

Martin Delage, Chair 2008 – 2009
Vice-President of Strategic Operations
La Capitale General Insurance Inc.

Marie-Josée Blanchette, Chair 2006 – 2008
President and CEO
SSQ General Insurance Company Inc.

Denis Guertin, Chair 2004 – 2006
Chief Operating Officer
belairdirect

Jean-François Tougas, Chair 2002 – 2004
Assistant Vice-President
Primmum Insurance Company

John Strome, Chair 2000 – 2002
Vice-President of Sales and Development
La Capitale General Insurance Inc.

Pierre Michaud, Chair 1993 – 2000
Assistant to the President and Senior Vice-President of Claims
Desjardins General Insurance Group

Réal Circé, Chair 1991 – 1993
President and CEO
La Capitale General Insurance Inc.