Navigating the future of claims management

This white paper tackles key challenges in Canada’s insurance and claims industries, offering practical solutions to improve accuracy, expand capacity, strengthen technical skills, and enhance customer service to meet market demands.

Construction projects rely on several forms of insurance coverage that apply across different stages of a project’s lifecycle. Builder’s Risk (Course of Construction) typically protects the works while construction is underway, while Wrap-Up liability policies respond to third-party claims arising from the project.  When damage occurs, however, determining which policy should respond to a claim is not always straightforward. 

Canada continues to experience a steady rise in climate‑driven catastrophic events, including severe convective storms, wildfire seasons extending earlier and later into the year, and increasing regional flood risk.

As insurers plan for another volatile year, the need for support that goes beyond surge staffing is clear. Organizations require an independent adjuster who enhances technical decision‑making, reduces severity volatility, and delivers dependable capacity supported by consistent expertise and scalability.

When it comes to environment-related claims, retaining the appropriate experts and consultants early plays an important role in implementing an effective remediation approach. The rigour applied to cost review determines whether insurers pay what is owed or significantly more. 

The coverage analysis conducted in the first days determines whether material issues are managed proactively or discovered too late to change the outcome.

Cyber claims develop incredibly quickly, and the early response must match that pace to contain losses, preserve evidence, and protect recovery opportunities. Decisive action at the outset is what keeps the loss controlled rather than compounded. This whitepaper explores Canada’s cyber environment and how the first hours of a claim can often shape the outcome.