The source adds the following information: "Combined ratio is the ratio of claims plus expenses to net premiums earned, When the combined ratio is 100% or more, it signifies an underwriting loss. When the combined ratio is less than 100%, it signifies an underwriting profit."
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Combined ratio of property and casualty insurers in Canada 1990-2019
The combined ratio of property and casualty (P/C) insurers in Canada generally decreased from 1990 to 2019, albeit with fluctuation. In 2019, the combined ratio of Canadian P/C insurers was ** percent - down slightly from **** percent the previous year. The combined ratio of P/C insurers stood at ** percent in 2004 and again in 2007 - the lowest points reached during the period under observation.
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Insurance Bureau of Canada. (June 20, 2020). Combined ratio of property and casualty insurers in Canada from 1990 to 2019 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved August 04, 2026, from /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/
Insurance Bureau of Canada. "Combined ratio of property and casualty insurers in Canada from 1990 to 2019." Chart. June 20, 2020. ÌÇÐÄÆƽâ°æ. Accessed August 04, 2026. /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/
Insurance Bureau of Canada. (2020). Combined ratio of property and casualty insurers in Canada from 1990 to 2019. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: August 04, 2026. /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/
Insurance Bureau of Canada. "Combined Ratio of Property and Casualty Insurers in Canada from 1990 to 2019." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 20 Jun 2020, /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/
Insurance Bureau of Canada, Combined ratio of property and casualty insurers in Canada from 1990 to 2019 ÌÇÐÄÆƽâ°æ, /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/ (last visited August 04, 2026)
Combined ratio of property and casualty insurers in Canada from 1990 to 2019 [Graph], Insurance Bureau of Canada, June 20, 2020. [Online]. Available: /statistics/471825/combined-ratio-of-property-and-casualty-insurers-in-canada/
