And there's been a lot of media coverage where they're not, a lot of Canadians are not deciding to come here and go somewhere else. So we've seen a pretty steep drop off in our travel and accident business.

Apr 24, 2025 / receipt, needs a key / Craig Smitty, CEO | earnings call 2025-04-24 | transcript af8443a6-e813-4b4f-8154-b81b15b2e75a | chars 21598-21804 | segment 22

Excluding that impact, the expense ratios for both 2026 periods improved as a result of expense management and scale, partially offset by a higher amount of agent commissions as a result of increased agency business compared to the direct operation.

filing / Jul 31, 2026 / receipt

Title Insurance experienced increased profitability in both the second quarter and first six months of 2026 compared to last year, driven by double-digit growth in net premiums and fees earned, continued strength in commercial business, higher net investment income, and improved operating leverage from expense management and increased scale.

filing / Jul 31, 2026 / receipt

The expense ratio continues to benefit from expense management and scale, partially offset by a higher amount of agent commissions primarily due to greater amounts of agency business compared to the direct operation.

filing / May 1, 2026 / receipt

The first quarter 2026 expense ratio continues to benefit from expense management and scale, partially offset by a higher amount of agent commissions primarily due to greater amounts of agency business compared to the direct operation.

filing / May 1, 2026 / receipt

Acquisition completed on July 1, 2026

ir_statement / Sep 16, 2026 / receipt

Product and capital synergies to drive geographic growth

ir_statement / Sep 16, 2026 / receipt

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company_statement / Sep 15, 2026 / receipt

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company_statement / Sep 11, 2026 / receipt

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company_statement / Sep 11, 2026 / receipt

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company_statement / Sep 10, 2026 / receipt

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company_statement / Sep 10, 2026 / receipt

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company_statement / Sep 9, 2026 / receipt