1 managing distribution the canadian experience dr mary kelly wilfrid laurier university anne kleffner of calgary 2 p c insurance in economy 230 private companies canada organized 128 groups overall market share 8 6 reinsurers 66 85 brokers 24 55 direct distributors a small industry 3 premiums by line business insurers only dpw comml prop 14 surety liability 11 other 7 pers 17 auto 50 4 statistics 23 93 76 83 16 exclusive agency writers 2001199720011997 0 53 39 22 multiple channel 12 62 77 commodity 44 37 5 92 bank affiliated 69 59 70 79 68 49 71 91 independent automobilepersonal propertydistribution comparison with markets united states and kingdom demographics regulation technologies us key based on regan 1997 agents 81 larger wrote times premium volume there is no appreciable difference size spend twice as
