Advancing the common interests of insurance reciprocals
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.
Strengthening Canadian insurance reciprocals by sharing combined wisdom, experience, and innovation.
Promoting well-informed and effective government regulation to our members.
Supporting and educating one another about our industries and the reciprocal insurance model.
Membership in CAIR is open to all Canadian insurance reciprocals and any pool, captive, fraternal benefit societies, or similar risk-sharing program or pool.
Fill out the form below or email office@cair-insurance.com to inquire about joining CAIR, sponsorship opportunities and more!
Strengthening Canadian insurance reciprocals by sharing combined wisdom, experience, and innovation through:
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.
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.
Advance the common interests of insurance reciprocals.
Any licensed insurance reciprocal
inside of Canada can apply
Submit your completed application to office@cair-insurance.com
Upon review, get a log in and begin learning, schedule a meet up and learn from peers.
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
250 Consumers Road, Suite 301,
Toronto, ON, M2J 4V6
416-494-1440 x 222
© 2025 – Canadian Association of Insurance Reciprocals – All Rights Reserved
