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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-brokers-need-to-start-texting-gen-y-consumers/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-provides-direction-for-billing-when-insured-changes-health-practitioners-under-mig/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quarter-century-club-to-fund-student-scholarship-in-the-name-of-douglas-h-hurlbut/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/compu-quote-introduces-new-product-to-help-brokers-make-most-of-online-leads/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ceos-call-for-improved-legislation-adr-and-enforcement-to-fight-auto-insurance-fraud/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-appeal-court-re-affirms-jurisdiction-of-b-c-superintendent-of-motor-vehicles-in-drivers-appeal-of-license-suspension/</loc>
		<lastmod>2024-10-30T20:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/liability-lurks-in-positive-employee-references-on-social-media-advisen/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/strata-condo-owners-could-be-subject-to-proposed-new-tribunal-for-resolving-strata-property-disputes/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/high-rate-of-claimants-in-the-mig-explained-by-backlog-of-arbitrations-plaintiffs-lawyer/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/optional-tort-option-appears-likely-in-nova-scotia/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-arbitration-confirms-the-need-for-early-clarification-of-work-related-auto-accidents/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/air-worldwide-estimates-up-to-170-million-for-turkey-quake/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurers-failing-to-finance-peak-risks-effectively/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-institute-of-ontario-names-four-recipients-of-scholarship/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-brunswick-landlords-moncton-fire-chief-encourage-apartment-tenants-to-purchase-insurance-cbc-report/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/hurricane-rina-heads-for-mexicos-luxury-resort-areas/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canpro-king-reed-lp-announces-new-brand-ckr-global/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/manitobas-eastman-region-the-number-1-spot-in-the-province-for-deer-vehicle-collisions/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-based-energi-enters-canada-to-provide-risk-management-and-brokerage-services-for-energy-firms/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/manitobas-eastman-region-the-number-1-spot-in-the-province-for-deer-vehicle-collisions-2/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-companies-should-consider-donating-to-causes-that-leverage-their-insurance-related-skills-report/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/thresholds-for-fibromyalgia-and-concussion-diagnosis-lowered/</loc>
		<lastmod>2024-10-30T20:38:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/slave-lake-fire-likely-caused-by-arson-alberta-government/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cloudbursts-in-urban-areas-underestimated-swiss-re/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fairfax-reports-nearly-1-billion-in-q3-profit-despite-underwriting-losses/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/telematics-could-replace-the-need-for-credit-scoring-in-the-future-industry-analyst/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/specs-limited-announces-joint-leadership-of-ontario-region/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alberta-auto-insurers-reminded-to-ensure-premium-arrears-still-recoverable-before-denying-or-cancelling-policy/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insured-has-right-to-control-a-subrogation-claim-until-fully-indemnified-ontario-courts-confirm/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/osfi-advises-against-early-adoption-of-some-new-or-amended-ifrs-standards/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/forthcoming-changes-to-federal-privacy-act-allow-insurers-to-share-information-without-a-persons-consent-for-the-purpose-of-suppressing-fraud/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/access-to-private-facebook-pages-a-question-of-logistics-not-privacy/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/bangkok-flooding-expected-to-result-in-international-supply-chain-interruptions/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/regulatory-tweaks-required-to-prevent-papering-of-ontario-auto-insurers-with-treatment-plan-submissions/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-launches-major-initiative-designed-to-help-canada-prepare-for-major-earthquake/</loc>
		<lastmod>2024-10-30T20:38:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswick-auto-insurance-working-group-recommends-increasing-minor-injury-cap-to-between-4000-and-6000/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-arbitrator-orders-claimant-to-produce-photos-from-private-facebook-hi5-profiles/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/tirf-to-study-behavioural-patterns-of-interlocked-dui-offenders/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-snowstorm-could-generate-thousands-of-insurance-claims-i-i-i/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-issues-bulletin-clarifying-position-on-tech-issues/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-insurance-services-enters-medical-evaluation-market-segment/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/laraq-elects-new-board-of-directors/</loc>
		<lastmod>2024-10-30T20:38:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/iclarify-services-now-available-in-atlantic-canada/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/qbe-appoints-canadian-director-of-underwriting/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/end-of-daylight-savings-time-brings-heightened-risk-of-crashes-icbc/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quebec-consumers-report-highest-satisfaction-with-home-insurers/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/craig-kielburger-to-serve-as-keynote-speaker-at-insurance-institutes-toronto-convocation/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cgi-and-sas-team-up-to-launch-fraud-detection-service-for-pc-insurers/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/chubb-launches-online-risk-management-resource/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-sector-positioned-for-surge-in-demand-willis/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-reports-q3-profit-of-6-2-million-cites-improved-ontario-auto-results/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/western-financial-acquires-saskatchewan-brokerage/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/swiss-re-reports-1-3-billion-q3-profit/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-canadas-acquisition-of-gcan-features-prominently-on-parent-companys-bottom-line/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/geneva-association-formerly-requests-g-20-recognize-insurers-as-distinct-from-banks/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-reports-slight-decrease-in-q3-net-income/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insured-losses-from-thailand-flood-likely-to-range-from-4-5-billion-to-5-85-billion/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/supreme-court-decision-in-hyperlinks-and-defamation-case-may-have-opened-more-doors-than-it-closed-norton-rose/</loc>
		<lastmod>2024-10-30T20:38:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontarians-fail-to-pay-more-than-350-million-worth-of-fines-related-to-invalid-false-insurance-cards/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/alberta-government-denies-disaster-recovery-assistance-to-cold-lake-residents/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-supportive-but-concerned-by-nova-scotia-auto-reform-package/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/nova-scotia-introduces-new-auto-insurance-reform-package/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/nova-scotia-opts-not-to-remove-gender-as-a-rating-factor-continues-discussing-framework-for-optional-tort/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/trust-insurance-company-not-to-be-trusted-fsco/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurer-has-a-duty-to-inform-a-policyholder-about-what-it-considers-to-be-a-material-change-to-a-risk-new-brunswick-appeal-court/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/nearly-10-million-in-fraud-savings-for-mpi/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-launches-fire-safety-campaign-with-new-brunswick-fire-officials/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/desjardins-reports-increased-surplus-earnings-in-2011-q3-despite-higher-loss-ratio/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontarios-pc-industry-contributes-7-5-billion-directly-and-indirectly-to-the-provinces-economy-report/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-insurance-agents-license-suspended-for-two-years-due-to-misuse-of-icbc-insurance-decal/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/oklahoma-city-experiences-magnitude-5-6-quake/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lana-wood-resigns-as-president-of-western-financial-group/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/granite-claims-solutions-acquires-advance-claims-services/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/severity-of-vehicle-repair-appraisals-decreases-in-2011-q3-mitchell/</loc>
		<lastmod>2024-10-30T20:38:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-announces-2011-awards-of-excellence/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/misnamed-defendant-on-product-liability-action-can-be-corrected-after-limitations-period-expires-ontario-court/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-launches-sustainability-toolkit/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/egi-financial-holdings-cites-improvements-in-ontario-auto-for-better-financial-results-in-2011-q3/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-canada-ceo-rowan-saunders-appointed-to-rsas-global-group-executive-team/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/munich-re-reports-tumbling-q3-profits/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/driving-without-winter-tires-wont-void-coverage-but-may-determine-fault-icbc/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-launches-mobile-service-for-its-members/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-to-issue-new-guidelines-intended-to-protect-insurers-from-getting-papered-by-health-care-treatment-plans/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/u-s-securities-regulator-files-record-number-of-enforcement-actions-in-2011/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/das-canada-offers-free-legal-advice-to-small-business-owners-in-the-maritimes/</loc>
		<lastmod>2024-10-30T20:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/sgi-reports-8500-collisions-and-60-deaths-in-2010-related-to-distracted-driving/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurers-more-vulnerable-to-financial-crisis-as-they-branch-out-into-non-insurance-financial-activities-iais/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/quebec-auto-insurer-highlights-guidance-on-use-of-electronic-on-board-recorders-in-heavy-vehicles/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswick-appeal-court-addresses-confusion-around-ownership-in-a-motor-vehicle-policy-exclusion-related-to-underinsurance-coverage/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurer-must-pay-special-award-for-failing-to-consider-the-totality-of-medical-evidence-fsco-arbitrator/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/earthquakes-have-shaken-up-new-zealands-insurance-market-a-m-best/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/soft-u-s-commercial-market-may-have-finally-hit-rock-bottom-rims-study/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/norton-rose-group-study-finds-disconnect-between-customers-and-suppliers-on-key-outsourcing-and-risk-management-responsibilities/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/york-fire-re-brands-itself-as-unica-insurance-incorporated/</loc>
		<lastmod>2024-10-30T20:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ils-touted-as-the-next-evolution-of-product-support-and-development-coming-out-of-the-bermuda-reinsurance-market/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-launches-free-mobile-app-for-iphone-unhappen-my-accident/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2011/11/1000706976-1000943797.jpg</image:loc>
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	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-affirms-a-financial-strength-rating-of-wawanesa/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/zurich-launches-new-surety-bond-related-to-public-private-partnerships-ppps/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-brokers-association-of-alberta-ibaa-presents-cheque-for-just-under-13000-to-slave-lake-victim-services/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/injured-claimants-adaptive-ability-should-be-based-on-more-than-just-an-inability-to-return-to-work-ontario-arbitrator/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/state-farm-canada-seeks-21-million-in-damages-from-ontario-health-clinics-and-individuals/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurers-face-unexpected-increase-in-business-interruption-claims-after-japanese-companies-relocate-operations-to-thailand-law-firm/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/quebec-brokers-say-proposed-regulation-to-ensure-transparent-disclosure-of-billing-for-fees-is-redundant/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/real-estate-brokers-should-not-be-allowed-to-act-simultaneously-as-insurance-representatives-quebec-brokers/</loc>
		<lastmod>2024-10-30T20:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-insurance-agent-banned-from-accessing-icbc-database-on-privacy-breach-allegation/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/york-police-arrest-14-suspects-in-passport-fraud-ring-linked-to-staged-auto-collisions/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/u-s-subprime-settlements-averaging-116-million/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/proposed-changes-to-anti-money-laundering-legislation-may-prove-onerous-for-smaller-reporting-entities-fasken-martineau/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-and-gaa-revamp-web-site-infoinsurance-ca/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-announces-2012-indexation-percentages/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insureye-launches-online-consumer-insurance-spend-comparison-tool/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/big-data-when-statisticians-become-corporate-heroes/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-kicks-off-the-third-annual-dominion-curling-club-championship/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/motor-vehicle-collision-deaths-in-manitoba-increase-in-2011/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/parents-of-multinationals-should-consider-insurable-interest-when-structuring-multinational-insurance-programs-with-risks-located-in-canada/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alleghany-corporation-acquires-transatlantic-holdings-inc-for-3-4-billion/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/hybrid-vehicles-hold-safety-edge-over-conventional-counterparts-in-collision-protection-iihs/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alcohol-related-road-deaths-decreasing-in-canada/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-applauds-new-technology-allowing-pdf-dec-pages-to-be-downloaded-as-part-of-csio-standards/</loc>
		<lastmod>2024-10-30T20:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/global-chief-information-officers-concerned-about-shortage-of-mainframe-computer-skills/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/pembridge-insurances-broker-connectivity-now-available-to-brokers-using-applied-systems/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rms-rolls-out-iclarify-to-quebec-market/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-roads-no-safer-today-than-they-were-five-years-ago-caa-poll/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/european-economic-turmoil-creating-solvency-ii-turmoil-as-well/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-risk-sharing-pool-shows-signs-of-improved-results-in-2011-h1-a-possible-indicator-of-effectiveness-of-auto-reforms/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quebec-pc-insurers-list-top-risks-related-to-severe-weather-and-climate-change/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alberta-pc-insurers-see-net-income-drop-in-first-nine-months-of-2011/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/saskatchewan-police-blitz-results-in-200-drivers-being-fined-for-cell-phone-use/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurance-capital-levels-suggest-hardening-reinsurance-market-guy-carpenter/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/auto-claims-increase-almost-50-during-the-winter-months-aviva-canada/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/private-non-for-profit-and-public-organizations-partner-to-better-protect-toronto-residents-from-severe-weather/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/economical-posts-2011-q3-profit-of-1-4-million-despite-drag-effect-of-goderich-ontario-tornado-losses/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/consolidating-two-actions-cant-lead-to-consolidated-arbitration-being-statute-barred-ontario-court/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/vast-majority-of-canadian-drivers-admit-to-risky-driving-behaviours-kanetix-survey/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insured-damage-arising-from-thailand-flooding-reaches-between-15-billion-and-20-billion-a-m-best/</loc>
		<lastmod>2024-10-30T20:38:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/windstorm-wreaks-havoc-on-southern-alberta/</loc>
		<lastmod>2024-10-30T20:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-figures-show-claims-ratios-decreasing-in-auto-personal-accident-but-increasing-in-property-lines/</loc>
		<lastmod>2024-10-30T20:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-reinsurers-see-underwriting-results-erode-in-2011-q3/</loc>
		<lastmod>2024-10-30T20:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/banks-increasing-market-share-and-ma-activity-driving-change-in-distribution-of-canadian-pc-insurance/</loc>
		<lastmod>2024-10-30T20:38:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-celebrates-opening-of-new-head-office-with-100k-donation-to-cystic-fibrosis-canada/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-axa-merger-will-affect-pc-marketplace-on-a-grander-scale-than-demutualization-the-economical-executive/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-seeks-basic-insurance-rate-increase-for-the-first-time-in-four-years/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/western-financial-groups-president-and-ceo-seeks-senate-seat/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rumoured-delay-of-pc-demutualization-regs-just-government-trying-to-get-it-right/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/clearrisk-named-one-of-canadas-top-20-most-innovative-technology-companies/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/older-canadians-fare-better-than-younger-drivers-on-winter-roads-td-insurance-poll/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/toronto-gta-drivers-have-highest-car-collision-frequency-in-ontario/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-risk-management-services-partners-with-powersoft-to-roll-out-iclarify-to-canadian-brokers/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/airmic-works-towards-regulatory-compliance-database-for-global-insurance-programs/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/court-finds-portion-of-b-c-s-new-drinking-and-driving-law-to-be-unconstitutional/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-public-auto-insurer-must-pay-for-massage-therapy-b-c-court-of-appeal/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/mpi-hits-up-1-million-lottery-winner-for-outstanding-claims-judgments/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/halifax-rcmp-conclude-six-year-stolen-vehicle-insurance-fraud-investigation-with-charges-against-four-people/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/global-temperatures-in-2011-tenth-highest-on-record/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/osfi-posts-qas-on-legal-agreements-and-other-aspects-of-reinsurance-security-agreements/</loc>
		<lastmod>2024-10-30T20:38:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/auditor-generals-report-puts-ontario-auto-insurance-in-the-political-spotlight/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-anti-fraud-task-force-interim-report-suggests-working-groups-look-into-licensing-health-care-clinics-creating-dedicated-fraud-investigation-unit/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswick-draft-regulation-proposes-to-ban-credit-scoring-in-residential-and-auto-insurance-lines/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/workplace-fraud-costs-small-and-medium-sized-canadian-businesses-3-2-billion/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insured-losses-from-thailand-floods-may-exceed-10-billion-aon-benfield/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-auditor-general-calls-for-review-of-insurers-12-rate-of-return-mediation-backlogs-and-asset-shortfall-in-motor-vehicle-accident-claims-fund/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-property-casualty-industry-eclipses-total-2010-cat-losses-in-first-nine-months-of-2011/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/japan-tsunami-sparks-multinationals-to-examine-supply-chain-links-in-china/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/isb-canada-forms-partnership-with-security-firm-afi-international/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/giffin-koerth-announces-three-new-appointments/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/building-debris-caused-by-calgary-windstorm-prompts-call-for-building-code-review/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/almost-50-of-u-s-property-renewals-see-fourth-quarter-rate-increase/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/csl-global-launches-canadian-operations/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/semi-final-round-for-aviva-community-fund/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/severe-thunderstorm-cat-bonds-triggered-result-in-total-losses-for-investors-am-best/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/firstonsite-establishes-permanent-presence-in-edmonton/</loc>
		<lastmod>2024-10-30T20:38:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-professionals-receive-2011-national-leadership-awards/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/gore-mutual-donates-additional-funds-to-the-united-way/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-should-use-multi-model-approach-to-reduce-catastrophe-model-uncertainty/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/travelers-canada-launches-cyber-risk-coverage/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-and-hagerty-partner-to-launch-coverage-for-antique-and-classic-cars/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/standard-poors-still-sees-terrorism-risk-as-critical-in-assessment-of-an-insurers-financial-strength/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/research-shows-young-drivers-more-responsible-about-drinking-and-driving-than-their-older-counterparts/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/companies-expect-to-use-social-media-more-often-in-the-future-but-most-dont-have-plans-to-manage-the-risks/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/chesterfiled-offers-cover-for-mobile-plants-and-machinery-equipment/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/das-canada-offering-free-legal-advice-to-companies-in-ontario/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/freight-forwarders-taking-on-increasing-liability-risk/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ellen-moore-marilyn-mclaren-named-among-canadas-100-most-powerful-women/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-employees-team-up-with-habitat-for-humanity-halton/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswicks-appeal-court-considers-twice-an-insurers-quest-for-rcmp-documents-in-a-home-fire-case/</loc>
		<lastmod>2024-10-30T20:38:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/skilled-worker-shortage-tops-list-of-risks-facing-businesses-lloyds/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/operation-overdrive-launched-to-apprehend-drunk-drivers-in-saskatchewan/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/chesterfield-canada-to-offer-port-and-terminal-insurance/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/bermuda-pc-companies-reducing-exposures-rather-than-pursuing-market-share-am-best-report/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/saskatchewan-court-finds-brokerage-did-not-make-clear-to-policyholder-an-exclusion-for-vandalism-based-on-vacancy/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-purchases-independent-medical-assessment-division-of-medisys/</loc>
		<lastmod>2024-10-30T20:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/strone-appoints-stephen-coombs-as-director-of-ontario-sales/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/2011-ranks-behind-2005-as-second-most-expensive-year-for-insurance-industry-swiss-re/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rick-orr-takes-the-helm-as-ibao-president/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xl-group-add-three-new-staff-members-to-toronto-team/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quebec-panel-of-experts-says-license-fees-should-reflect-the-real-risk-of-driving-motorcycles/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/december-second-deadliest-month-on-manitoba-roads-mpi/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-raises-35800-for-movember-campaign/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sas-and-transunion-partner-to-develop-fraudster-predictive-model/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-sponsors-alliance-hockey-championships/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/chubb-golf-tournament-raises-63000-for-canadian-charities/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-to-improve-quality-of-risk-registers-internal-audit-report/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/rcmp-investigates-link-between-data-breach-at-icbc-and-series-of-arsons-and-shootings/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/using-multiple-catastrophe-models-doesnt-necessarily-lead-to-more-accurate-predictions/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/facebook-photos-found-relevant-to-an-auto-accident-injury-case-but-not-status-updates-or-wall-posts/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/manitoba-public-utilities-board-calls-for-8-premium-decrease-for-basic-auto-insurance-premiums/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/2009-toyota-venza-tops-list-of-cars-stolen-in-canada/</loc>
		<lastmod>2024-10-30T20:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/law-society-of-b-c-expands-lawyers-professional-indemnity-coverage-to-respond-to-bad-cheque-scams/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/munich-re-and-scor-estimate-insured-losses-from-thai-floods/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-introduces-two-new-processes-to-expedite-mediation-backlog/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/alberta-court-of-appeal-finds-policy-endorsement-in-underinsured-motorist-case-trumps-10-year-limitation-period-in-limitations-act/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/reprise-of-1811-12-earthquakes-in-new-madrid-missouri-would-cause-up-to-50-billion-in-insured-losses-today-rms/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-takes-issue-with-false-conclusions-drawn-from-ontario-auditor-generals-report-about-12-rate-of-return/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/premium-growth-in-emerging-markets-is-strong-but-low-profitability-poses-a-challenge-swiss-re-sigma-study/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/nearly-5-million-canadians-admit-to-riding-with-a-driver-who-had-been-drinking/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/am-best-downgrades-allianz-global-specialty-north-americas-icr/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-community-fund-competition-down-to-30-finalists-winner-announced-in-january-2011/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/johnson-inc-donates-40000-items-to-canadian-food-banks/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/projected-costs-of-manitoba-floods-to-exceed-800-million/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-commercial-soft-market-cycle-broken-marketscout/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quebecs-insurance-regulator-insurers-team-up-to-simplify-provinces-auto-policies/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-puts-aviva-plc-ratings-under-review-based-on-sovereign-debt-crisis/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/russell-brownlee-appointed-representative-on-traffic-safety-committee/</loc>
		<lastmod>2024-10-30T20:38:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/western-financial-acquires-manitoba-brokerage/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/prairies-flooding-tops-environment-canadas-list-of-severe-weather-stories-in-2011/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/november-2011-windstorms-in-alberta-cause-200-million-worth-of-insured-damage/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-pc-industry-sees-underwriting-losses-swell-to-30-5-billion-a-m-best/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/two-speed-global-insurance-market-amidst-cat-losses-and-plentiful-capacity-marsh/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/supply-chain-risk-coverage-and-availability-inadequate-ferma/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/self-incriminating-evidence-at-insureds-civil-trial-discovery-cannot-be-used-at-insureds-criminal-trial/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-government-requires-insurers-to-be-members-of-general-insurance-ombudservice-gio/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/former-ribo-president-toots-elsie-everley-honoured-with-2011-ontario-senior-achievement-award/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/psychological-and-physical-impairments-can-be-combined-to-determine-catastrophic-impairment-ontario-appeal-court/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/health-care-practitioners-also-a-target-of-health-claim-fraud-fsco/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/less-than-10-of-canadian-executives-use-fraud-detection-software-sas/</loc>
		<lastmod>2024-10-30T20:38:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-man-fined-for-faking-theft-of-vehicle/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/theft-of-heating-oil-from-churches-in-eastern-canada-on-the-rise/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/2011-the-costliest-natural-catastrophe-year-on-record-munich-re/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-completes-sale-of-axa-life-insurance-to-ssq-life-insurance/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/winmar-announces-appointments-and-new-location/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibac-data-exchange-project-moves-closer-to-round-trip-data-transactions-between-brokers-and-insurers/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economic-turmoil-more-likely-than-natural-catastrophes-to-spur-market-hardening-willis-re/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/deborah-m-luthi-begins-term-as-rims-president/</loc>
		<lastmod>2024-10-30T20:38:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-becomes-title-sponsor-of-tsns-annual-curling-skins-event/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-maintains-stable-outlook-for-personal-reinsurance-market-segments-negative-for-commercial/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/frank-cowan-company-launches-cambridge-office-focused-on-specialty-lines/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/monarch-intermediaries-brings-second-opinion-services-to-canadian-pc-market/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ribo-cites-increasing-number-of-fraudulent-pink-slips/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/women-arrested-for-driving-while-intoxicated-in-the-united-states-increased-between-1998-and-2007-study/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/impact-auto-opens-second-calgary-area-location/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/belfour-enters-quebec-market-with-acquisition-of-laurier-restoration/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/network-outage-poses-huge-risk-to-retailers-relying-on-online-shoppers-lloyds/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-adds-unpaid-claims-and-loss-ratio-analysis-to-electronic-filing-returns/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/use-of-telematics-to-surge-in-personal-lines-celent/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-issues-warning-notice-about-kenneth-gibson-easy-trust-group/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xn-financial-appoints-keith-doan-as-senior-vice-president-of-casualty-management-liability-and-specialty-lines-for-north-america/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/clumsy-arsonist-and-standard-transmission-novice-make-mpis-list-of-top-5-frauds-in-2011/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-releases-cost-of-goods-guideline-in-response-to-anti-fraud-task-force/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/2010-11-cat-losses-have-not-yet-driven-up-demand-for-reinsurance-capacity-aon-benfield/</loc>
		<lastmod>2024-10-30T20:38:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-cautions-consumers-of-freedom-insurance-company/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/estate-of-pilot-who-dies-in-plane-crash-is-not-entitled-to-insurance-because-the-pilots-medical-certificate-had-expired-before-the-crash/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/harmonized-policy-on-the-use-of-credit-information-in-underwriting-will-not-happen-ccir/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/social-media-could-be-used-to-focus-protests-against-the-insurance-industry/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/heavy-cold-or-flu-put-drivers-at-greater-risk-of-crashes/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-property-casualty-industry-in-early-stages-of-hard-market-iii/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-must-beware-of-cold-spots-as-well-as-peak-exposures-guy-carpenter-report/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/social-networks-could-become-an-insurance-distribution-channel-in-two-years-gartner-research/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/socio-economic-global-risks-eclipse-environmental-risks-in-2012-wef/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/national-brokers-insurance-services-receives-weconnect-certification/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/operation-red-nose-sees-16-increase-in-2011-holiday-season/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/five-strategies-for-insurer-success-in-2012-ernst-young/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/2011-insured-losses-almost-300-times-higher-than-2010-aon-benfield/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cfc-underwriting-launches-new-cyber-liability-policy-to-cover-the-cloud/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/state-farm-canada-raises-75300-for-southlake-regional-health-centre/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ccir-to-tackle-pc-managing-general-agents-and-electronic-commerce-in-2012/</loc>
		<lastmod>2024-10-30T20:38:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/csio-calls-for-nominations-for-2011-csio-annual-award/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/large-earthquake-could-strike-in-manitoba-or-saskatchewan/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/microzonation-facilitates-earthquake-assessment-on-a-property-by-property-basis/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/just-under-half-42-of-all-saskatchewan-collisions-happened-at-an-intersection-sgi/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-reminds-atlantic-policyholders-to-inform-their-insurers-about-home-renovations/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/winmar-opens-new-location-in-victoria-b-c/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-insurance-registrations-in-bermuda-increased-50-in-2011-bermuda-monetary-authority/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/hard-market-in-canadian-pc-industry-is-not-likely-in-2012-ceo/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/court-finds-direct-writer-didnt-explain-optional-benefits-properly-but-dismisses-action-against-meloche-monnex/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswick-court-finds-plaintiff-entitled-to-section-b-benefits-because-of-his-inability-to-concentrate-process-information-quickly/</loc>
		<lastmod>2024-10-30T20:38:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/auto-body-mechanic-with-no-written-records-of-employment-deemed-to-be-employed-ontario-arbitrator/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/majority-of-claims-made-against-brokers-relates-to-new-business/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/low-earthquake-insurance-penetration-globally-swiss-re/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-court-fines-man-1750-for-identity-theft/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-canada-launches-corporate-social-media-strategy/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-auto-insurers-receive-approval-for-average-rate-increase-of-1-84/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mpi-sees-52-5-million-decrease-in-third-quarter-profits/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-can-still-grow-despite-a-tough-economy-deloitte-llp-report/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cruise-ship-disaster-could-lead-to-insured-losses-of-more-than-eur400-million/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/only-10-of-zurich-survey-respondents-say-their-executive-management-has-been-highly-effective-at-creating-a-strong-risk-management-culture/</loc>
		<lastmod>2024-10-30T20:38:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/women-pay-less-than-men-for-auto-and-home-insurance-study/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/re-insurers-should-consider-cycles-of-earthquake-clustering-when-underwriting-quake-risk-research/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/brokers-should-consider-and-educate-clients-about-cyber-liability-insurance/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/costa-concordia-losses-could-top-1-billion-a-m-best/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/glenn-williams-appointed-president-and-ceo-of-western-financial-insurance-company/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sgi-canada-and-policy-works-offer-brokers-option-of-portfolio-download/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/industrys-2011-q3-results-prove-to-be-a-mixed-bag-once-again-msa-baron-outlook-report/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/raising-rate-and-lowering-profit-targets-not-the-answer-to-ontario-auto-issues/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/gary-mcmillan-to-retire-from-chartis-canada/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/traffic-injury-research-foundation-to-further-study-female-drunk-drivers/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-canada-launches-best-practices-program/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/70-chance-that-a-magnitude-7-or-greater-quake-could-hit-tokyo-region-in-the-next-four-years-research/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/first-insurer-in-priority-dispute-cannot-claim-an-application-for-benefits-is-not-completed-if-its-search-for-missing-information-is-not-diligent-court/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-of-appeal-recognizes-invasion-of-privacy-as-a-common-law-tort/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/law-intended-to-help-enforce-graduated-licencing-programs-falls-flat-iihs/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurance-companies-turning-down-increasing-number-of-requests-for-assessment-and-treatment-of-auto-injuries-health-care-providers/</loc>
		<lastmod>2024-10-30T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-seeks-help-from-private-dispute-resolution-companies-to-help-clear-backlogs/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/appeal-court-upholds-judges-decision-to-strike-jury-in-auto-injury-trial-involving-pre-existing-medical-condition/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/trial-judge-should-have-considered-effect-on-costs-of-settlement-offer-that-didnt-conform-to-rules-of-civil-procedure-appeal-court/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fracking-a-lesser-known-but-significant-environmental-insurance-risk-williswire/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-meets-with-city-of-ottawa-to-discuss-rates-after-citys-infrastructure-improvements-in-flood-prone-area/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/h-w-kaufman-financial-group-acquires-chesterfield-canada-inc/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/availability-and-cost-of-coverage-dominate-concerns-among-commercial-insurance-buyers/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xl-teams-up-with-accenture-to-launch-multi-channel-claims-portal/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/symbility-solutions-acquires-msbs-claims-division/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-commercial-rates-likely-to-remain-stable-marsh/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lloyds-syndicate-launches-director-defence-costs-product/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-announces-12-winners-of-third-annual-aviva-community-fund/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/faulty-extension-cords-and-bad-blockheater-plugs-spark-vehicular-fires-mpi/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/deadly-b-c-sawmill-explosion-causes-estimated-loss-of-between-25-million-and-100-million/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-commercial-pc-rates-up-by-2-8-in-2011-q4/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xl-group-unveils-multi-channel-customer-claims-portal/</loc>
		<lastmod>2024-10-30T20:38:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-insurers-face-challenging-year-ahead-ernst-young/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-launches-online-home-inventory-tool/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/advances-in-auto-safety-technology-take-30-years-to-spread-through-vehicle-fleets-iihs/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-underwriter-and-swiss-re-team-up-to-present-webinar-on-making-overland-flood-insurable/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/john-foreman-named-as-interim-executive-director-of-orbit/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/electrical-issues-cited-in-fires-that-gut-three-churches-over-the-past-two-months/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/icbc-busts-b-c-man-for-auto-insurance-fraud-after-he-brags-about-it-on-facebook/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-finds-property-transfers-by-convicted-auto-insurance-fraudster-represent-an-effort-to-put-assets-out-of-reach/</loc>
		<lastmod>2024-10-30T20:38:38+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:39+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/01/1000867293-1000869735.jpg</image:loc>
		</image:image>
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		<loc>https://uat.canadianunderwriter.ca/news/industry/thai-floods-create-opportunities-for-canadian-investment/</loc>
		<lastmod>2024-10-30T20:38:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/advanced-vehicle-technology-may-cause-debate-in-the-future-about-cosmetic-versus-functional-repairs-ccif-toronto-meeting/</loc>
		<lastmod>2024-10-30T20:38:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/steve-lucas-appointed-vice-president-of-national-accounts-at-ace-canada/</loc>
		<lastmod>2024-10-30T20:38:39+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/01/1000862603-1000902286.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canada-b-c-jointly-invest-36-million-to-provide-greater-flood-protection-in-b-c/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mondial-assistance-canada-becomes-allianz-global-assistance/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/anticipation-of-risks-not-enough-organizations-need-to-build-resilience-willis-ceo/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/seismic-models-allow-u-s-nuclear-facilities-to-reassess-seismic-risk/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/allstate-canada-raises-nearly-200000-for-united-way/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/western-financial-group-acquires-brown-ward-insurance-ltd/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-launches-iclarify-commercial/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/totten-launches-monthly-payment-option/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/minor-earthquake-shakes-manitoba-saskatchewan/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/crawford-company-canada-announces-three-personnel-appointments/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/karen-clark-company-introduces-new-tool-to-supplement-models-in-managing-catastrophe-risk/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/quebec-shuts-down-six-provincial-driving-schools/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/appeal-court-overturns-rear-end-collision-liability-findings-because-trial-judge-failed-to-resolve-divergent-testimony/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-sponsors-access-to-staged-collision-course-for-police-officers/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-encourages-homeowners-and-tenants-to-do-inventory-of-belongings/</loc>
		<lastmod>2024-10-30T20:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/quebec-police-pulling-over-more-drivers-for-cell-phone-use/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/california-new-york-and-washington-mandate-climate-change-information-from-insurers/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-consumers-are-not-taking-advantage-of-discounts-kanetix/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/direct-writers-likely-to-be-first-to-use-social-platform-for-selling-insurance-celent/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/clearrisk-announces-two-appointments-in-sales-and-marketing-department/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000880565-1000880699.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/minor-earthquake-hits-offshore-of-vancouver-island/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rims-launches-how-to-guide-for-handling-cyber-risk/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sgi-proposes-rate-increase-for-auto-customers/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/watch-out-for-pizza-delivery-risk-during-the-super-bowl/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-institute-launches-serious-injury-program-for-adjusters/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-unveils-platform-for-commercial-personal-and-large-commercial-and-specialty-lines/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-posts-new-form-for-reporting-a-change-to-a-fiscal-year-end/</loc>
		<lastmod>2024-10-30T20:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mining-insurance-losses-prompts-withdrawal-of-capacity-willis/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/honda-civic-ranks-as-the-most-often-repaired-vehicle-in-ontario-survey/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-posts-best-underwriting-performance-in-five-years/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/zurich-canada-ceo-alister-campbell-leaves-canadian-business/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economical-adds-former-osc-chair-and-current-chair-of-international-order-of-foresters-to-board-of-directors/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-broker-ordered-to-pay-fine-for-providing-a-false-insurance-document-as-a-favour-to-a-friend/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/integro-aligns-into-four-divisions-including-integro-canada/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-property-and-casualty-insurers-in-2011-posted-worst-underwriting-loss-since-2002/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/limitation-period-for-a-third-party-indemnity-action-is-the-same-as-when-plaintiffs-cause-of-action-against-the-third-party-accrues-nova-scotia-court/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/application-of-ontarios-minor-injury-guideline-is-crazy-right-now-ab-lawyer/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/judicial-ruling-concerning-ontarios-minor-injury-treatment-protocol-unlikely-before-2014-15/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/mediation-applications-in-ontario-should-be-sent-to-insurers-not-just-the-regulator-lawyer/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurers-warned-to-prepare-to-help-ontario-regulator-clear-mediation-case-backlogs/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ccir-posts-issues-paper-about-online-insurance-sales/</loc>
		<lastmod>2024-10-30T20:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-rules-that-60-day-mediation-timeframe-is-firm-despite-case-backlogs/</loc>
		<lastmod>2024-10-30T20:38:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cna-appoints-rick-debruyn-assistant-vice-president/</loc>
		<lastmod>2024-10-30T20:38:43+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000896198-1000896601.jpg</image:loc>
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		<loc>https://uat.canadianunderwriter.ca/news/industry/price-more-important-than-safety-b-c-car-buyers-say/</loc>
		<lastmod>2024-10-30T20:38:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/national-average-reconstruction-costs-increase-by-1-51-in-2011/</loc>
		<lastmod>2024-10-30T20:38:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/allianz-appoints-rong-chen-head-of-property-in-canada/</loc>
		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000905874-1000912133.jpg</image:loc>
		</image:image>
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		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/do-market-finally-starting-to-harden-a-m-best/</loc>
		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/crawford-company-canada-inc-has-appointed-coo/</loc>
		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xl-group-launches-coverage-for-contractors/</loc>
		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:38:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/uk-flood-model-best-suited-for-canadian-market-us-the-worst-iclr/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-revamps-its-vision-and-mission-statements/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sgi-provides-perks-for-new-drivers-who-show-signs-of-improvement/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/online-surveillance-legislation-latest-development-in-ever-evolving-cyber-liability-risks/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/severity-of-collision-losses-in-canada-decreasing-mitchell/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/us-casualty-and-auto-severity-serve-as-warning-signs-for-canadian-underwriters/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/giffin-koerth-announces-new-hire-in-its-casualty-group/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/zurich-board-of-directors-proposes-name-change-to-reflect-emphasis-on-insurance/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/australia-faces-more-flood-losses/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-releases-updated-instructions-for-filing-unpaid-claims-and-loss-ratio-analysis-electronically/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lloyds-records-third-largest-catastrophe-loss-from-thai-floods/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-economical-continues-roll-out-of-web-based-underwriting-system/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/claims-of-inadequate-signage-against-ministry-of-transportation-fall-outside-of-limitation-period/</loc>
		<lastmod>2024-10-30T20:38:45+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-announces-2012-dates-for-beyond-best-in-class/</loc>
		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/less-than-10-of-major-reputation-crises-insurable-willis/</loc>
		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000922106-1000922257.jpg</image:loc>
		</image:image>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-sees-growth-in-2011-net-income/</loc>
		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:46+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-launches-app-for-home-and-auto-customers/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000930258-1000943796.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/zurich-canada-simplifies-access-to-equipment-breakdown-coverage/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-economical-grows-net-income-by-11-9-in-2011/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/global-content-solutions-gcs-opens-new-facility-in-woodstock-ontario/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canada-can-expect-to-see-more-intense-wildfires-in-the-future-scientist/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-selected-one-of-canadas-50-best-managed-companies/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alberta-brokerages-merge-under-the-alpine-insurance-financial-banner/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-reserves-decision-on-awarding-costs-against-paralegal-pursuing-an-ab-arbitration-on-behalf-of-his-deceased-client/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/swiss-re-reports-increase-in-2011-net-income-despite-impact-of-natural-catastrophes/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insured-water-losses-in-nova-scotia-double-over-four-years-ibc/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/toronto-police-arrest-37-people-and-lay-130-charges-following-insurance-fraud-ring-investigation/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/water-damage-in-new-brunswick-almost-quadruples-in-four-years-ibc/</loc>
		<lastmod>2024-10-30T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/more-canadians-admit-to-using-cell-phones-while-driving-than-a-decade-ago/</loc>
		<lastmod>2024-10-30T20:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-to-host-webinar-on-rate-filing/</loc>
		<lastmod>2024-10-30T20:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/desjardins-pc-segment-reports-25-5-increase-in-total-income/</loc>
		<lastmod>2024-10-30T20:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurance-market-responds-in-fragmented-way-to-historic-losses-of-2011/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/xactware-adds-sketch-upgrade-to-mobile-estimating-app-xactscope/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-of-canada-launches-mobile-app-for-home-and-auto-clients/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/02/1000943133-1000943141.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-marketing-and-communications-association-imca-calls-for-entries-into-its-showcase-awards/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadians-concerned-about-online-fraud-related-to-smartphone-apps-and-social-media-sites/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/market-based-approach-to-auto-insurance-better-than-strict-regulatory-approach-insurance-research-council/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/berkshire-hathaways-pc-operations-report-ninth-consecutive-year-of-underwriting-profit-but-profits-shrunk-in-2011/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/firstonsite-opens-new-branch-in-st-catharines-ontario/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-supreme-court-awards-75000-in-punitive-damages-against-icbc-for-multiple-failings-in-accident-investigation/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/saskatchewan-insurance-council-warns-provinces-motor-dealers-about-b-c-based-uninsured-third-party-motor-vehicle-warranty/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-firms-launch-class-action-suit-against-via-rail-following-derailment/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/amf-seeks-consultation-on-regulating-sale-of-insurance-online/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/manitoba-police-have-handed-out-500-traffic-violations-in-2012-involving-driving-while-using-cell-phones-and-texting/</loc>
		<lastmod>2024-10-30T20:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/sgi-teams-up-with-students-against-drinking-and-driving-sadd-to-support-driving-awareness-week/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/british-insurers-want-solvency-ii-equivalency-higher-on-the-agenda/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/borden-ladner-gervais-creates-national-insurance-group/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/preventing-distracted-driving-means-targeting-distractions-as-well-as-drivers/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/hands-free-phones-not-necessarily-much-safer-than-handheld-phones-while-driving/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/regulations-required-to-handle-increased-arctic-shipping-traffic/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/increase-in-cottage-rentals-begs-questions-about-insurance-implications/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-reminds-insurers-about-outsourcing-guidelines/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cip-society-announces-call-for-leadership-award-nominations/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/tornadoes-kill-12-cause-widespread-property-damage-in-southern-united-states/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/gaps-in-corporate-travel-policies-create-exposures-for-employers/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/outside-intelligence-launches-big-data-application-for-insurers/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/even-if-purchasing-insurance-online-consumers-expect-personal-contact-throughout-the-policy-lifecycle/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/drivers-aged-56-60-pay-less-for-auto-insurance-than-41-45-age-group-unless-they-live-in-ontario/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/japan-tsunami-debris-likely-to-make-landfall-in-b-c-in-2013-14/</loc>
		<lastmod>2024-10-30T20:38:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/saskatchewan-launches-safety-blitz-against-aggressive-driving/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/qbe-unites-reinsurance-operations-under-qbe-re-banner/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mpi-encourages-consumers-to-combat-auto-fraud/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/capitalizing-on-the-digitalization-age-requires-legacy-system-review/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/csio-releases-xml-standards-for-e-docs/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lloyds-expands-electronic-endorsements-initiative-to-all-classes-of-business/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/eqecat-estimates-u-s-tornadoes-cost-insurers-between-1-billion-and-2-billion/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-brokers-face-a-perfect-storm-of-changing-technology-consumer-trends/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/bp-reaches-proposed-7-8-billion-settlement-for-deepwater-horizon-spill/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/policy-works-launches-commercial-lines-mobile-app/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/tornadoes-tear-deadly-path-through-us-midwest-marking-early-launch-of-storm-season/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurancehotline-and-insureye-partner-for-online-credit-card-comparison-tool/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibao-sponsored-poster-series-wins-international-design-award/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/iv3-cuss-parent-company-awarded-top-50-best-managed-company-designation/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/nova-scotia-court-of-appeal-confirms-provinces-subrogated-right-to-claim-against-an-insurer-for-nursing-home-costs-arising-from-auto-injuries/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-revamps-website-to-highlight-anti-fraud-content/</loc>
		<lastmod>2024-10-30T20:38:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/tohoku-earthquake-unleashes-multiple-ways-to-explore-earthquake-risk-changes-rms/</loc>
		<lastmod>2024-10-30T20:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-commercial-lines-rates-increase-3-in-february-2012/</loc>
		<lastmod>2024-10-30T20:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-adds-commercial-vehicles-to-its-bait-vehicle-fleet/</loc>
		<lastmod>2024-10-30T20:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alcohol-interlocks-reduce-risk-of-first-time-dui-offenders-repeating-the-offence/</loc>
		<lastmod>2024-10-30T20:38:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/data-accuracy-reliability-is-the-most-important-benefit-of-risk-technology-in-2012-aon-study/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-affirms-rsa-canadas-financial-strength-rating-of-a/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/marsh-canada-launches-new-product-for-crop-and-livestock-producers/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/dealing-with-the-media-during-catastrophes-is-featured-at-the-june-2012-imca-conference-in-denver/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/about-50-of-b-c-homeowners-have-earthquake-insurance/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mild-weather-in-ontario-leads-to-23-decline-in-auto-collision-frequency/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/start-of-daylight-savings-time-an-lead-to-crash-risk-icbc-survey/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-companies-falling-behind-global-counterparts-on-some-information-security-initiatives-pwc-report/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/solar-storm-causes-minor-geomagnetic-storm-on-earth-nasa/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-introduces-web-based-portal-e-boiler-to-streamline-broker-processes-for-small-business-accounts/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-needs-strategy-for-dealing-with-increased-insurance-premiums-arising-from-climate-change-environment-commissioner/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/moderate-earthquakes-hit-near-honshu-japan/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurance-council-of-australia-declares-catastrophes-in-flood-ravaged-areas/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-politicians-introduce-two-new-auto-insurance-private-members-bills/</loc>
		<lastmod>2024-10-30T20:38:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/severe-thunderstorm-watch-in-effect-for-ontario-is-unusual-for-winter/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/corporate-board-directors-need-to-be-aware-of-risk-of-data-breaches-in-light-of-regulatory-guidance-on-disclosing-cyber-threats/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-supreme-court-dismisses-house-fire-insurance-claim-after-10-year-delay/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/boyfriend-of-fatal-accident-victim-creates-facebook-page-that-warns-against-texting-while-driving/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/dry-and-windy-conditions-lead-to-unusual-winter-fire-bans-in-alberta/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/dissecting-the-damage-goderich-ontarios-2011-tornado/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/moderate-earthquakes-strike-off-japans-east-coast-felt-in-tokyo/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/march-2011-tokohu-earthquake-results-in-recalibration-of-models-underwriting-standards/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/your-business/tech/getting-rid-of-distractions-by-getting-rid-of-the-drivers/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rims-canada-council-approves-new-mission-statement-promoting-inclusion-diverse-knowledge-and-talent/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/supply-chains-took-up-to-six-months-to-recover-after-2011-japan-christchurch-earthquakes-case-study/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-residents-pay-most-for-home-insurance-in-canada-insureye-study/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/munich-re-aims-for-eur2-5-billion-profit-in-2012/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-canada-warns-of-season-for-wildlife-crashes/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/windstorm-lashes-b-c-s-south-coast/</loc>
		<lastmod>2024-10-30T20:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-pc-industry-sees-overall-improved-financial-health-in-2011-despite-escalating-claims-in-property-lines/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-risk-management-services-acquires-syntech-associates/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/tornado-outbreaks-manageable-for-u-s-insurers/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/brighter-outlook-for-insurance-cios-regarding-it-area-celent/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontarios-broker-regulator-urges-caution-when-outsourcing-brokerage-records-to-insurers-and-third-parties/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/most-b-c-homeowners-paying-for-insurance-they-dont-need-or-want-survey/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-insurance-extends-relationship-with-speed-skating-canada/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-brunswick-insurers-must-fill-out-new-form-when-terminating-sponsorship-of-agents-brokers/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-aftermarket-auto-parts-use-increases-modestly-in-2010-q4/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/three-tornadoes-destroy-more-than-100-homes-in-southeastern-michigan/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-provides-250000-in-funding-for-14-community-organizations-across-the-country/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/oecd-predicts-more-frequent-severe-storms-by-2050-in-the-absence-of-more-aggressive-climate-change-policies/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/michigan-twisters-damage-pegged-at-under-100-million/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/texas-lawyers-file-class-action-suit-against-facebook-twitter-apple-and-15-other-companies-alleging-privacy-rights-violations-associated-with-mobile-apps/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-launches-new-ipad-app-to-help-canadians-learn-how-to-prevent-water-property-damage/</loc>
		<lastmod>2024-10-30T20:38:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/cyclists-collision-with-a-parked-van-an-accident-fsco/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/desjardins-general-insurance-groups-2011-profit-dips-slightly-based-on-weather-related-claims-costs/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-to-roll-out-translation-service-to-all-20-of-its-driver-licensing-offices-by-fall-2012/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-most-expensive-adword-on-google/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/applied-systems-launching-broker-benchmark/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-states-propose-legislation-to-ban-employers-from-asking-job-applicants-for-their-social-networking-site-passwords/</loc>
		<lastmod>2024-10-30T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/risk-managers-list-economic-uncertainty-increased-regulation-and-growing-competition-as-top-3-risks/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/growth-should-rebound-this-year-for-u-s-insurers-moodys/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/hartford-financial-leaving-annuity-business-to-focus-on-pc-insurance/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fifa-to-insure-soccer-players-on-national-teams/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-pc-companies-report-profit-of-4-53-billion-in-2011-msa-research/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurer-technology-investments-to-increase/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurance-council-of-b-c-concerned-about-secondary-products/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/personal-lines-insurers-encouraged-to-consider-policy-exclusions-related-to-cyber-bullying-and-electronic-aggression/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontarians-lack-knowledge-to-report-fraud-ibc/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/arbitrator-allows-insurer-to-respond-to-arbitration-application-more-than-five-months-after-20-day-deadline/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/state-farm-to-pay-award-for-terminating-benefits/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-posts-its-fraud-follies-for-2012/</loc>
		<lastmod>2024-10-30T20:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-ibao-applaud-fraud-measures-in-ontario-budget-province-proposes-to-establish-administrative-monetary-penalties/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-and-federal-governments-form-committee-to-coordinate-the-handling-of-japanese-tsunami-debris/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/thunderstorm-damage-losses-are-supplanting-hurricane-damage-losses-in-the-united-states/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/disaster-discussion-should-be-on-g20-agenda-willis/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-smoke-alarm-campaign-proposes-required-fire-alarm-tests-to-renew-insurance/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-york-senate-passes-three-bills-aimed-to-stamp-out-auto-fraud/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lloyds-posts-loss-for-2011-in-record-catastrophe-year/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/thomas-cook-enhances-travel-insurance-product/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/global-shipping-safer-but-subject-to-human-error-allianz/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/swiss-re-issues-securitization-for-two-reinsured-parties/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-auto-dealers-launch-three-class-actions-lawsuits-alleging-price-fixing-of-auto-parts/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ribo-cautions-brokers-about-sales-incentives/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-brunswick-flood-damage-pegged-at-25-million/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/csn-collision-glass-adds-jack-schultz-auto-body/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fm-global-reports-increased-premium-base-in-2011-posts-catastrophe-induced-121-combined-ratio/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadians-have-misplaced-confidence-in-their-water-infrastructure-rbc-study/</loc>
		<lastmod>2024-10-30T20:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ace-canada-appoints-andrew-lawrence-as-assistant-vice-president-of-commercial-risk-segment/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/03/1001031062-1001031102.jpg</image:loc>
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	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/pwc-report-on-insurance-issues-data-analytics-is-crucial/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/celent-studies-how-social-media-affect-insurers-internal-operations/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-brokers-laud-csio-announcement/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/osfi-reminds-pc-insurers-to-document-their-b-c-and-quebec-earthquake-exposures/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/economic-losses-from-disasters-highest-ever-in-2011-swiss-re/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/governments-insurers-need-to-educate-canadians-about-earthquake-disaster-recovery-swiss-re/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-budget-seeks-to-modernize-insurance-regulation/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/competition-tribunal-denies-ibc-application-that-would-prevent-ontario-used-car-dealers-association-from-accessing-vehicle-claims-history-database/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
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		<loc>https://uat.canadianunderwriter.ca/news/claims/cross-border-shopping-slip-and-fall-claim-against-u-s-home-depot-store-allowed-to-proceed-in-ontario/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rapid-global-warming-slow-economic-growth-increased-regulatory-attention-will-challenge-canadian-pc-industry-ibc/</loc>
		<lastmod>2024-10-30T20:38:59+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/1-in-20-year-severe-weather-events-likely-to-be-1-in-2-year-events-by-end-of-21st-century-report/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/manitoba-appeal-court-grants-narrow-scope-to-appeal-a-decision-that-found-mpi-doesnt-have-to-pay-for-auto-injury-victims-surgery-in-germany/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-applauds-feds-for-flood-mitigation-measures-in-budget/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economical-service-aims-to-protect-company-privacy/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-automotive-canada-opens-three-new-locations-in-ontario-and-re-opens-a-location-in-alberta/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/04/1001041196-1001041666.jpg</image:loc>
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		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurance-renewals-reveal-tightening-of-limits/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/cunningham-lindsey-is-up-for-sale/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ace-canada-launches-two-new-combined-products-for-pollution-and-casualty-insurance/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-risk-management-services-rms-appoints-colin-smith-to-oversee-its-operations-information-and-analytics/</loc>
		<lastmod>2024-10-30T20:39:00+00:00</lastmod>
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			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/03/1001031063-1001031104.jpg</image:loc>
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		<loc>https://uat.canadianunderwriter.ca/news/industry/post-bank-act-banks-ask-regulators-to-hit-the-pause-button-reflect-on-effects-of-regulation-on-banking-innovation/</loc>
		<lastmod>2024-10-30T20:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/frank-cowan-company-launches-new-risk-management-website/</loc>
		<lastmod>2024-10-30T20:39:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-proposes-changes-to-guidelines-on-corporate-board-structures-management-practices/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/elliott-special-risks-appoints-andre-paradis-to-manage-montreal-office/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-affirms-a-financial-strength-rating-for-intact/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/everyone-in-the-insurance-industry-including-the-broker-sales-force-has-a-role-to-play-in-educating-consumers-about-the-use-of-credit-scoring-ibc/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carnival-lists-851-million-in-insurance-recoverables/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-warns-that-royal-insurance-is-not-licensed-to-do-business-in-ontario/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/airline-losses-at-historic-lows-in-2011/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/unauthorized-electronic-access-to-north-american-credit-card-payment-processors-system-exposes-data-of-up-to-1-5-million-cards/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/eqecat-launches-new-cat-modeling-platform/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-zealand-earthquake-insurance-bill-over-16-billion/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/medicine-hat-alberta-insurance-agent-agrees-to-pay-70000-for-his-role-in-insider-trading-scheme/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/tornadoes-level-650-homes-in-dallas-forth-worth-area-of-texas/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/marsh-guy-carpenter-propose-uk-flood-risk-reinsurance-pool/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/voluntary-code-on-credit-scoring-not-working-ibao/</loc>
		<lastmod>2024-10-30T20:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-ruling-that-establishes-a-civil-action-for-privacy-breaches-is-a-game-changer-for-defence-counsel-lawyer/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insured-catastrophe-losses-over-2-billion-in-march-2012-aon-benfield/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurers-eyeing-satellite-technology-to-help-improve-risk-management-related-to-natural-disasters/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/swiss-re-places-insurance-linked-securities-for-hurricane-and-earthquake/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ongoing-auto-insurance-projects-figure-prominently-in-fscos-2012-draft-priorities/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/below-average-atlantic-hurricane-activity-predicted/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/global-property-insurance-prices-firming-marsh/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/policy-works-helps-intact-insurance-with-commercial-data-exchange/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/everyday-carelessness-with-work-data-a-major-source-of-data-breach-liability/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alberta-oil-sands-fire-loss-tallied-at-726-million/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/firemans-fund-partners-with-allianz-to-expand-global-entertainment-division-into-canada/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/applied-systems-to-open-canadian-data-centre-in-2012-q3/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/price-shopping-brings-mixed-blessings-for-u-k-auto-insurers/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/digital-natives-likely-to-switch-seamlessly-and-often-between-technology-platforms/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurance-renewals-up-in-april-guy-carpenter/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-guarantee-company-of-north-america-celebrates-its-140th-anniversary/</loc>
		<lastmod>2024-10-30T20:39:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/willis-projects-moderate-rate-hikes-in-key-insurance-lines/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/multiple-tornadoes-hit-u-s-midwest/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/gap-exists-between-how-risk-managers-and-senior-executives-view-the-role-of-risk-management-in-their-organizations/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/industrial-alliance-launches-pay-as-you-drive-program-for-young-drivers/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurers-lose-capital-increase-premiums-in-2011/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/kanetix-offers-commercial-auto-insurance/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/burns-wilcox-canada-opens-new-office-in-st-johns-newfoundland/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/denial-of-service-attacks-surge-in-2012/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insured-losses-from-texas-tornadoes-could-reach-500-million/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/adopting-corporate-responsibility-standards-csr-can-help-reduce-a-companys-political-risk-in-emerging-economies-lawyer/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/customer-retention-is-key-for-north-american-insurers-gartner/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/moodys-warns-of-interest-rate-risk-for-american-insurers/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/breaking-down-silos-of-related-information-in-a-company-is-key-to-promoting-cyber-security-zurich/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/usgs-examines-correlation-between-fracking-and-low-level-earthquakes/</loc>
		<lastmod>2024-10-30T20:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/just-45-of-u-k-motorists-leave-insurance-info-at-scene-of-careless-parking-collisions/</loc>
		<lastmod>2024-10-30T20:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-industry-expects-to-invest-heavily-in-the-next-three-years-towards-ultimate-objective-of-policy-at-inception/</loc>
		<lastmod>2024-10-30T20:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/risk-managers-cautioned-to-prepare-for-possibility-of-hard-market/</loc>
		<lastmod>2024-10-30T20:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-sees-average-car-insurance-rates-go-down-3-6-in-2012-q1/</loc>
		<lastmod>2024-10-30T20:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/conning-forecast-for-pc-industry-shows-modest-growth/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/risk-managers-concerned-about-hardening-market-towers-watson/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/industry-to-benefit-from-b-c-s-dismantling-of-hst-but-may-pay-more-tax-in-quebec-and-manitoba/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-brunswick-auto-rates-decline-for-seventh-year/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-brokers-to-launch-mobile-app/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/markham-general-insolvency-a-case-study-in-trying-to-grow-too-quickly-pacicc-report/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
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		<loc>https://uat.canadianunderwriter.ca/news/claims/willis-to-study-how-u-s-companies-respond-to-federal-guidance-around-cyber-attacks/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/can-u-s-commercial-policyholders-tell-their-insurers-their-deepest-secrets/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibc-applauds-b-c-limitation-act/</loc>
		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:06+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:07+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
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		<image:image>
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		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
	</url>
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	</url>
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	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-committee-to-hold-public-hearings-on-auto-insurance/</loc>
		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-encourages-ontario-to-act-with-urgency-on-auto-insurance-file/</loc>
		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/industry-reacts-to-ontario-auto-insurance-study/</loc>
		<lastmod>2024-10-30T20:39:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fsco-issues-consumer-warnings-about-unlicensed-brokerages-insurance-card-scams/</loc>
		<lastmod>2024-10-30T20:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/auto-reforms-appear-to-be-making-a-difference-fsco/</loc>
		<lastmod>2024-10-30T20:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/few-canadian-businesses-incorporating-climate-change-risk-management-into-regular-business-activities-report/</loc>
		<lastmod>2024-10-30T20:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/olympic-games-gets-7-billion-backing-for-terrorism-coverage/</loc>
		<lastmod>2024-10-30T20:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-considers-incorporating-risk-management-benefits-of-diversification-into-its-capital-testing-of-insurers/</loc>
		<lastmod>2024-10-30T20:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/crawford-names-global-technical-services-leaders/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mutuals-should-handle-diversification-with-caution-willis-re/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/creating-transparency-in-the-canadian-insurance-market/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-upgrades-credit-ratings-of-scor-se-subsidiaries/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mild-winter-boosts-intacts-2012-q1-results/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/intact-to-acquire-jevco-for-530-million/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-court-orders-limited-disclosure-of-facebook-profile-and-vacation-photos/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontario-auto-insurance-rates-decline-by-0-18-in-2012-q1/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-consumers-remained-predominantly-loyal-to-their-auto-insurers-in-2011-j-d-power/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-appeal-court-muddies-waters-regarding-homeowner-coverage-of-innocent-co-insureds/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/proposed-vancouver-bylaw-would-require-companies-shipping-oil-by-tanker-to-carry-enough-marine-insurance-to-pay-for-spill/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/manitoba-introduces-legislation-to-protect-consumers-against-unfair-car-repair-bills/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/auto-insurance-improvements-offset-by-catastrophes-in-2011/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/proposed-ndp-private-members-bill-would-hike-auto-insurance-rates-in-ontario-substantially-liberal-mpp/</loc>
		<lastmod>2024-10-30T20:39:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/crawford-appoints-lori-festarini-as-environmental-leader/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/eqecat-releases-japan-quake-model/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sgi-marks-launch-of-educational-campaign-during-motorcycle-safety-week/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/swiss-re-results-rebound-in-2012-q1/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/egi-financial-acquires-cuisa-managing-general-agency/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-brunswick-consumer-advocate-for-insurance-advocates-on-its-own-behalf/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/severe-u-s-weather-in-april-causes-more-than-650-million-in-insured-damage/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-holds-seminar-on-paintless-dent-repair-estimating-and-techniques/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
		<image:image>
			<image:loc>https://uat.canadianunderwriter.ca/uploads/2012/05/1001135446-1001135776.jpg</image:loc>
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	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-police-and-public-insurer-launch-intersection-safety-campaign/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/co-operators-quarterly-profit-increases-based-on-auto-reforms-good-weather/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/forget-catastrophes-regulation-is-top-concern-for-u-s-insurance-executives-lloyds/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/trucking-industry-gains-access-to-contractor-management-services/</loc>
		<lastmod>2024-10-30T20:39:11+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/manitoba-insurance-professionals-have-new-licensing-option/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/impact-auto-auctions-breaks-ground-on-new-auction-facility-in-ontario/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/toronto-road-worst-of-the-worst/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-works-to-move-forward-on-sustainability/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/10-habits-of-highly-ineffective-drivers/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-should-prepare-for-the-rise-of-the-emerging-global-middle-class/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lawpro-appoints-susan-mcgrath-as-board-chair/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-denies-bid-to-use-new-summary-judgment-rules-to-determine-catastrophic-impairment/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/colorado-state-researchers-predict-fewer-hurricanes-in-2012-season/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadian-automotive-recyclers-call-for-national-approach-to-the-environmental-management-of-end-of-life-vehicles/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-moves-toward-wage-freeze-for-doctors-through-rebalancing-ohip-fees/</loc>
		<lastmod>2024-10-30T20:39:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/finance-department-receives-mixed-feedback-on-pc-demutualization/</loc>
		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/egi-witnesses-improved-results-in-q1-2012/</loc>
		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-s-auto-insurer-commits-to-consulting-with-brokers-about-risk-based-pricing/</loc>
		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/safety-advances-could-spell-end-of-auto-insurance-celent/</loc>
		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/regulation-details-new-classes-of-insurance-in-new-brunswick/</loc>
		<lastmod>2024-10-30T20:39:13+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/swiss-re-introduces-new-app-for-ipad-devices/</loc>
		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lloyds-charts-bold-growth-plan-to-2025/</loc>
		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-co-operators-to-acquire-gf-insurance/</loc>
		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-underwriter-launches-new-real-time-news-feed/</loc>
		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/driver-of-vehicle-without-owners-consent-still-qualifies-for-coverage-fsco/</loc>
		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/u-s-insurers-see-net-income-surge-in-2012-q1-moodys/</loc>
		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-corporates-expected-to-create-more-captives/</loc>
		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:15+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/privacy-document-crucial-for-canadian-organizations-chubb-underwriter/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
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	</url>
	<url>
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		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/recruiter-in-staged-collision-ring-sentenced-to-three-and-a-half-years-in-jail-ordered-to-pay-375000-in-restitution/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ndp-bill-would-ban-territory-as-auto-insurance-rating-factor/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/hurricane-season-to-mirror-normal-averages-forecast/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/rsa-places-global-specialty-business-into-three-divisions/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/employers-increasingly-held-liable-for-crashes-involving-employees-use-of-cellphones-while-driving-u-s-report/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/u-s-storm-chasers-seek-first-hand-information-about-tornadoes/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/slave-lake-alberta-fire-may-not-be-the-last-of-its-kind-expert/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/fm-global-to-use-air-clasic-2tm-catastrophe-modelling-software/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/using-your-captive-to-release-escrow-funds/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/establishing-a-multi-year-government-captive-program-in-the-context-of-an-annual-budget-appropriation-cycle/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/dog-bite-claims-in-2011-cost-about-1-million-state-farm-canada/</loc>
		<lastmod>2024-10-30T20:39:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/two-tornadoes-touch-down-in-quebec-causing-more-than-1-million-in-damage/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/coroners-jury-recommends-mandatory-automatic-sprinklers-in-care-facilities/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/cunningham-lindsey-deploys-catastrophe-response-team-to-help-handle-flood-claims-in-thunder-bay/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/catastrophes-prompt-re-examination-of-time-and-geographic-limits-on-occurrences-in-reinsurance-coverage/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/mid-sized-insurers-seeking-scale-should-consider-merger-opportunities-pwc-report/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/priority-fires-continue-to-burn-in-kirkland-lake-area/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/auto-reforms-mild-weather-drive-increase-in-quarterly-earnings-for-the-economical-insurance-group/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/the-dominion-sees-2012-q1-profit-rise-based-on-improved-underwriting-results/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/towers-watson-announces-network-for-insurer-chief-risk-officers/</loc>
		<lastmod>2024-10-30T20:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/boozing-while-barbequing-no-garden-party/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/growth-top-concern-for-insurer-ceos-munich-re-survey/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sarina-visram-joins-csio-as-manager-of-member-relations/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/installing-monitoring-system-can-reduce-home-insurance-premium/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/natural-disasters-cost-canadian-manufacturers-billions-of-dollars-in-lost-production/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/osfi-expects-pc-insurers-to-start-looking-at-earthquake-exposures-on-a-national-basis/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/rainstorm-flooding-in-montreal-has-a-return-period-of-1-in-100-years-environment-canada/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/thunder-bay-flooding-overwhelms-sewage-treatment-facility/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/eqecat-revises-italian-earthquake-damage-estimates-due-to-aftershocks/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadas-climate-change-likely-greater-than-global-average-ibc-research/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/claims-costs-for-ontario-auto-insurers-still-out-of-control-ibc/</loc>
		<lastmod>2024-10-30T20:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-commissioned-research-points-to-warmer-temperatures-more-wildfires-and-more-intense-storms-in-canada-by-2050/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadian-hurricane-centre-predicts-average-year-for-storms/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/companies-using-social-media-for-business-purposes-need-to-be-insured-ace-canada/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-deploys-camp-to-thunder-bay/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-appeal-court-orders-new-trial-in-vehicle-accident-case-because-trial-judges-comments-show-bias/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rain-barrels-offer-old-fashioned-solution-to-avoiding-water-damage/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/desjardins-to-focus-on-ontario-montreal-following-positive-2012-q1-results/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/applied-systems-acquires-compu-quote/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/about-one-quarter-of-b-c-homes-have-rental-suites-or-converted-coach-houses/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/state-farm-ford-rsa-ingenie-team-up-on-telematics/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-data-show-theft-season-has-begun/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/saskatchewan-rate-review-panel-recommends-average-auto-fund-rate-hike-of-0-6/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstar-seeks-to-reach-2-million-fundraising-milestone-in-ninth-annual-soaps-it-up-for-cystic-fibrosis-national-car-wash/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/co-operators-quotes-now-available-through-kanetix/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/csio-recognizes-three-company-collaboration-for-linking-broker-carrier-systems/</loc>
		<lastmod>2024-10-30T20:39:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/u-s-commercial-insurance-rates-continue-hardening-trend-marketscout/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economical-launches-straight-through-processing/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/scm-integrates-its-two-imes-rebrands-the-new-unit-cira-medical-services-inc/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/consumers-indicate-fast-claims-processing-is-most-valued-when-dealing-with-insurers/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/new-marsh-product-covers-cloud-computing/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/a-m-best-affirms-aviva-canadas-a-rating-but-continues-to-monitor-executive-changes-at-parent-company/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-uses-social-media-to-solicit-public-input-about-rate-setting-proposals/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/rsa-agrees-to-acquire-lunion-canadienne-from-co-operators-for-150-million/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/fsco-warns-of-mail-scam-using-aviva-canada-logo/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/capacity-plentiful-for-june-1-reinsurance-renewals-guy-carpenter/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/lawyer-files-class-action-lawsuit-against-thunder-bay-for-flooding/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/plaintiff-sues-too-quickly-to-determine-the-presence-of-a-serious-and-permanent-impairment-court/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/environment-canada-reports-two-twisters-touch-down-near-taber-alberta/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/international-regulator-emphasizes-non-traditional-risk-for-insurers/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/tort-judgment-and-costs-in-building-fire-can-be-apportioned-between-co-defendants/</loc>
		<lastmod>2024-10-30T20:39:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-cat-definition-should-not-combine-psychiatric-or-mental-behavioural-impairments-with-physical-impairments-fsco/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadas-pc-industry-should-be-discussing-earthquake-preparedness-with-consumers/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canada-needs-to-prepare-infrastructure-for-future-precipitation-fluctuations-climate-change-research/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/italian-earthquake-causes-6-25-billion-in-economic-losses-aon-benfield/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/toronto-police-charge-woman-for-driving-a-e-bike-while-over-the-legal-blood-alcohol-limit/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/allstate-writes-10000-cheque-in-support-of-thunder-bay-residents-affected-by-flooding/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/economical-would-prefer-to-demutualize-through-an-ipo-if-forthcoming-regulations-allow-it/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/b-c-conservation-officers-concerned-about-number-of-people-driving-atvs-without-insurance/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ontarios-bill-45-defeated-at-second-reading/</loc>
		<lastmod>2024-10-30T20:39:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/senior-appointments-announced-at-crawford-company-canada/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/hail-only-centre-to-open-in-manitoba-following-storm-to-address-vehicle-damage-claims/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/disaster-kleenup-canada-comes-full-circle-with-new-executive-appointments/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurance-council-of-b-c-suspends-agents/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-travelers-concerned-about-safety-but-many-dont-purchase-travel-insurance-desjardins-survey/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/applied-systems-announces-epic-7-broker-management-system-will-come-to-canada-in-2013-q1/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/industrial-utility-vehicles-in-b-c-no-longer-need-to-be-registered-insured-under-certain-circumstances/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/arbitrator-finds-semblance-of-relevance-test-is-too-low-for-production-of-facebook-photos-in-dispute-resolution-hearings/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/three-quarters-of-u-s-employees-dont-think-their-employers-are-prepared-for-a-natural-catastrophe-fm-global-survey/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ibc-accuses-critics-of-proposed-cat-definition-of-fear-mongering/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/trial-lawyers-and-rehab-groups-speak-out-against-recommended-catastrophic-impairment-definition/</loc>
		<lastmod>2024-10-30T20:39:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadian-hurricane-centre-improves-forecasting-of-storm-tracking-aims-to-increase-accuracy-of-predicting-storm-intensity/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/b-c-labour-relations-board-issues-interim-order-allowing-icbc-employees-to-take-job-action/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/insurers-could-feel-significant-impact-from-ontario-courts-new-privacy-tort-legal-paper/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/oliver-wyman-ibc-each-recommend-a-double-digit-industry-wide-adjustment-to-the-alberta-automobile-insurance-rate-board-airb/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/hurricanes-put-700-billion-of-u-s-residential-property-at-risk/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ibac-announces-elite-force-best-practices-producer-academy-will-be-offered-in-september/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/mpi-holds-the-line-on-auto-insurance-rates/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/towers-watson-study-shows-more-evidence-of-commercial-rate-hardening/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/global-brokerages-benefit-from-favourable-conditions-moodys/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economical-launches-new-brand-name-at-agm-re-iterates-it-does-not-prefer-one-form-of-demutualization-over-another/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/alister-campbell-to-become-ceo-of-the-guarantee-company-of-north-america-in-early-september/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/quebec-insurers-results-exceeding-historical-returns-despite-lower-profits-in-2011-amf/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-canada-introduces-portfolio-transfer-solution/</loc>
		<lastmod>2024-10-30T20:39:23+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ace-canada-launches-architects-and-engineers-professional-liability-insurance/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/big-data-represents-big-challenge-for-insurance-industry-study/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadian-surety-wholesaler-and-mga-launched/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/direct-insurers-say-online-information-provides-enough-advice-for-buying-insurance-products-online/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-community-fund-is-back-this-fall/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/insurers-to-target-social-media-and-cloud-computing-in-it-deloitte/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/ace-canada-introduces-brokerpass-to-help-placement-of-local-admitted-insurance-policies/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/carstars-ninth-annual-soaps-it-up-event-raises-more-than-101000-for-cystic-fibrosis-canada/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/un-and-insurers-worldwide-launch-insurance-principles-at-rio20-to-promote-sustainable-development/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/more-clients-purchasing-environmental-insurance-but-amount-of-limits-purchased-has-decreased/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/brokers-believe-access-to-if-not-participation-of-intermediaries-should-be-required-during-online-insurance-sales/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/government-establishes-new-safety-and-security-program-in-regina/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/flood-warning-issued-for-upper-fraser-river-in-b-c/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/texas-hailstorm-damage-may-reach-2-billion-in-insured-losses/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/apparent-lack-of-concern-over-possibility-of-directors-and-officers-being-sued-disconcerting-chubb-survey/</loc>
		<lastmod>2024-10-30T20:39:24+00:00</lastmod>
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		<loc>https://uat.canadianunderwriter.ca/news/claims/merchant-law-group-launches-75-million-class-action-after-alberta-oil-spill/</loc>
		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
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	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/lawyers-resign-from-ontario-auto-insurance-committee/</loc>
		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/family-of-quebec-man-killed-when-a-tree-fell-on-his-car-should-go-to-provinces-auto-insurer-for-compensation-supreme-court/</loc>
		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/behavioural-biases-can-prevent-investment-in-measures-to-protect-against-catastrophes/</loc>
		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
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	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/total-cost-of-risk-inched-up-last-year-rims-survey/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/facing-tough-economic-times-canadians-are-cutting-back-on-their-insurance-survey/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/osfi-gets-solid-marks-in-pc-industry-survey/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/sending-ab-application-to-the-wrong-insurer-a-reasonable-explanation-for-a-delay-in-reporting-the-claim-to-the-proper-insurer-arbitrator/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/new-brunswick-proposes-to-boost-minor-injury-cap-to-7500/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/canadian-federally-regulated-pc-insurers-boost-results-in-2012-q1/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/claims/ontario-court-awards-punitive-damages-against-insurer-distinguishing-between-fraud-and-maximizing-insurance-recovery/</loc>
		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:26+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/reinsurance-renewals-see-targeted-underwriting-approach-on-mid-year-renewals/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/economical-appoints-chair-and-vice-chair-of-family-insurance-solutions/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/chartis-intends-to-re-brand-as-aig-in-the-fall-of-2012/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-workers-to-use-targeted-job-actions-during-contract-negotiations/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/randall-quilter-investment-holdings-closes-its-canadian-mga/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/swiss-re-expects-moderate-premium-growth-in-global-pc-market/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/catlin-canada-appoints-david-huebel-as-ceo/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/gail-sheepway-appointed-zurichs-specialty-products-canada-business-lead/</loc>
		<lastmod>2024-10-30T20:39:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/lightning-strikes-cost-u-s-insurers-1-billion-in-2011/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/icbc-teams-with-fix-auto-in-alberta/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/proposed-northern-gateway-pipeline-may-be-underinsured-for-liability-former-icbc-exec/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/aviva-unveils-strategic-plan-to-shake-up-business-appoints-canadian-ceo-to-group-executive/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/european-insurers-experience-premium-growth-in-2011/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://uat.canadianunderwriter.ca/news/industry/canadians-taking-expensive-risk-by-not-buying-travel-insurance-bmo-insurance-study/</loc>
		<lastmod>2024-10-30T20:39:28+00:00</lastmod>
	</url>
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