At the midpoint of 2026, the Canadian high-net-worth insurance market is in transition. After the steep increases of recent years, rates are decelerating, and competition is returning for well-managed homes outside catastrophe-exposed areas, even as underwriting scrutiny on wildfire, flood and hail exposure runs higher than ever.
Based on proprietary data and expert analysis, HUB's Midyear 2026 Private Client Rate Report provides detailed rate outcomes and market observations to navigate shifting conditions, secure better terms and reduce your total cost of risk.
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