The Voice for Canadian Insurance Reciprocals

Advancing the common interests of insurance reciprocals

Our 2024/25 Sponsors

With seed funding from our valued sponsors, they make it possible for CAIR to offer a space for Canadian Reciprocals to have a voice, share valuable knowledge, learn and grow.

CANADIAN ASSOCIATION OF INSURANCE RECIPROCALS

We care for our mission, we care for our members.

Combined Strength

Strengthening Canadian insurance reciprocals by sharing combined wisdom, experience, and innovation. 

Curated Information

Promoting well-informed and effective government regulation to our members. 

Member Education

Supporting and educating one another about our industries and the reciprocal insurance model. 


Our members

Learn More About CAIR Member Benefits

Membership in CAIR is open to all Canadian insurance reciprocals and any pool, captive, fraternal benefit societies, or similar risk-sharing program or pool.

Years of service
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Members across Canada
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Founded by five existing CAIR members
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THE CAIR COMMUNITY

Members Across Canada

Sponsor today

Advancing the common interests of Canadian insurance reciprocals

MEMBERSHIP

Discover the CAIR Difference

How to become a member.

Fill out the form below or email office@cair-insurance.com to inquire about joining CAIR, sponsorship opportunities and more!

Combined Strength

Strengthening Canadian insurance reciprocals by sharing combined wisdom, experience, and innovation through:

  • Annual Members’ Meeting held at various locations across Canada
  • Full-access to valuable online resources
  • Local meetups to share knowledge, best practices and experience
  • Sharing of effective strategies in furthering reciprocal interests with provincial regulators 

How it works

Reciprocal insurance enables a pool of similar professionals or organizations to share their individual risks with one another as a group and actively look for ways to reduce losses for their members.

Typically, reciprocals help ensure that their members (or subscribers) have affordable access to specialized insurance products either difficult to place or not available through the conventional insurance markets.

Given that subscribers within a particular reciprocal tend to provide similar services and share similar risks, the reciprocal advantage revolves around the development of effective and specialized risk management programs. Similarly, subscribers have incentives to work together and share information that can improve the quality of services they provide.

We care for Canadians.

The Canadian Association of Insurance Reciprocals (CAIR) was founded in 2010 by five reciprocals.

With seed funds and staff support from the original five members, CAIR offered a space for Canadian Reciprocals to have a voice, share valuable knowledge, learn and grow.

At its roots, CAIR is about community support – support for CAIR members as well as for the many communities our members serve.

Today, the association is now comprised of over 17 unique reciprocals from across Canada.

Our mission

Advance the common interests of insurance reciprocals.

How to join

Connect with other reciprocals and make insurance better for Canadians

1
Download Application

Any licensed insurance reciprocal
inside of Canada can apply

2
Fill out form
And submit

Submit your completed application to office@cair-insurance.com 

3
Enjoy full
Acess

Upon review, get a log in and begin learning, schedule a meet up and learn from peers. 

Our 2024/25 Sponsors

With seed funds and staff support from the original five members, CAIR offers a space for Canadian Reciprocals to have a voice, share valuable knowledge, learn and grow.