REVIEWER: Lori Ker, assistant vice president of data management systems for the Insurance Bureau of Canada.

BACKGROUND: The Insurance Bureau of Canada (IBC) is the national trade association of non- government property and casualty insurers ­ the companies which insure the cars, homes and businesses of Canadians. Member insurance companies provide approximately 90 percent of the private (non-government) property and casualty (P&C) insurance sold in Canada. IBC member companies have access to Canada's largest database of commercial and personal lines insurance information ­ essential for effective underwriting and providing superior customer service in today's competitive insurance environment. IBC is the official agency for collecting and reporting auto insurance statistics to the governments of Alberta, Ontario, the Atlantic provinces, Yukon, the Northwest Territories and Nunavut jurisdictions where auto insurance is provided by the private sector. IBC is also the official statistical agency for commercial liability insurance for Ontario. IBC's Insurance Information Division collects, validates and analyzes insurance-related data and publishes a wide range of statistical "exhibits."

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