C.D. Howe Institute also says those unprepared for large capital gains events will pay.
KPMG LLP reviews family-owned business responses in recent survey.
Managers navigate choppy waters as signs of recession accumulate.
Premiums forecast to grow on average over the next two years.
C.D. Howe Institute finds supply side pressures persist.
Failing to report information may result in financial penalties.
Commercial insurance provides employment for over 56,000 people in the country.