The Voice for Canadian Insurance Reciprocals
Advancing the common interests of insurance reciprocals
CAIR thanks its generous
2025-2026 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
0
+
Members across Canada
0
+
Founded by five existing CAIR members
0
THE CAIR COMMUNITY
Members Across Canada
Sponsor today
Advancing the common interests of Canadian insurance reciprocals
inquire
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 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
Access
Upon review, get a log in and begin learning, schedule a meet up and learn from peers.
CAIR thanks its generous
2025-2026 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.
