Insurers are navigating a difficult environment.

Summer catastrophe losses are the second highest in history.

Opportunities continue to exist in 2025, from large-scale to smaller deals.

With higher losses related to severe weather, coverage can be harder to acquire and more expensive.

Personal and commercial auto insurers hardest hit, but life insurers also under pressure.

Majority say removing interprovincial trade barriers is needed for the survival of Canadian businesses.

Uncertainty looms large.