5-Star Underwriters

Forming strong partnerships

Critical to the insurance industry, underwriters assess and assume risk across myriad industries. Despite the twists and turns of the market, especially over the past two years, these Canadian underwriters have gone out of their way to meet their clients’ needs. 

“Build relationships within your organization, treat every difficulty as a learning opportunity and always take time to support the team – it will always be reciprocated”
Christopher Charlton, Chubb Energy Resources Group



General market conditions 

One of the winners, Louise Dion, commercial lines underwriter at Peace Hills, moved from claims to underwriting right before the market hardened. “I am comfortable with this environment, while I can appreciate it has been a challenge for many others,” she says. The hard market has peaked, says Dion, and is expected to remain stable for the foreseeable future, but she does not ever expect a soft market as that observed in the past.

“More frequent and severe weather events continue to happen, and this will likely sustain this new normal of necessary rate requirements until all industries and all levels of government demonstrate a commitment to correcting climate change,” Dion says. 

Another winner, Melissa Woods, CIP commercial underwriter at Portage Mutual, echoes Dion’s sentiments about the market. “Underwriting is a very dynamic space to work given the variety of business operations we look to place coverage for on a daily basis,” she says. “We have been working through a hard market that has been challenging for all underwriters from a pricing and capacity perspective.” 

“Providing exceptional customer service is my priority, and I actively work at building and nurturing my relationships with my broker partners”
Louise Dion, Peace Hills



Underwriter insights 

To assess and determine the winners, Insurance Business surveyed brokers across Canada, asked them who their favorite underwriters were and then had them rate the underwriters on coverage, new business turnaround times, claims turnaround times, broker support, commission structure, overall service levels, and premium stability.  

Dion, Woods and another winner, Christopher Charlton, underwriting specialist at Chubb Energy Resources Group, describe the qualities that what make the underwriters excel in each category.  

Regarding coverage, Dion feels her background in claims has enhanced her risk selection and pricing abilities. “I am able to foresee potential loss exposures that perhaps others don’t by drawing on my own experience and real application of policy wordings to loss scenarios,” she says. “I aim to protect my brokers from a potential E&O exposure while simultaneously trying to avoid any gaps in coverage for the client so I will suggest coverages that I feel may be needed that the broker perhaps hasn’t asked for.”  

Meanwhile, Charlton praises Chubb’s 25-year presence in the local market and its ability to meet the coverage needs of different regional offices.  

At Portage Mutual, Woods says: “We have tailored and flexible commercial packages that have proven to be very successful with placing business with our commercial broker partners.”  

In turning around new business, Charlton says that Chubb meets client service expectations regardless of logistical constraints, such as work-from-home arrangements. “Being nimble and jumping on great opportunities is what defines a good insurer during a hard market,” he says. 

For Woods, turnaround times are just one of the pillars of delivering high-quality service to brokers. 

Dion notes the importance of making an effort to respond to every email, but adds that this feels impossible “now that submission numbers have tripled over the past 18 months.” As a result, she references company objectives and requests client calls to help prioritize her workflow.  

Regarding claims, Charlton says the claims team was one of the reasons she moved to Chubb from the brokerage side of the industry. “Insurance is a promise to pay. Our claims team lives that every day and is an honor to work with,” he says.  

Dion, meanwhile, has no involvement in claims handling but helps facilitate claims communications and consults with claims to help facilitate the claims process. She praises Peace Hill’s handling of floods and fires throughout the pandemic. Regarding broker support, she says that providing exceptional customer service is her priority. “I actively work at building and nurturing my relationships with my broker partners; I love collaborating with and finding solutions for them.”  

She prides herself on providing direct and honest responses to broker questions. For example, she processes midterm change requests typically within five days.  

Charlton says that working in a small, interconnected sector requires those at Chubb to differentiate themselves in a difficult market by being accessible to their brokerage partners. 

How about commission structures? “I typically apply standard commission, reserving stipulated reduced commission on accounts that justify it,” says Dion. “I will always support my broker should they elect for reduced commission, but I don’t typically advocate it, nor do I request it. I feel that brokers should get the maximum commission to compensate them for their hard work.” 

And then there’s overall service levels. “Chubb has a deep understanding of our local market and our broker and client needs,” says Charlton. “Committing to best-in-class service levels is core to our business and part of what differentiates us in the market.”  

While Dion says delivering exceptional customer service is her key focus, she consistently works on accounts 60 days ahead of the expiry date to ensure that brokers have maximum lead time to reach the client and establish coverage needs for the upcoming term.  

“When possible, I issue terms without broker intervention (pseudo-automation) with a summary memo, outlining the actions taken, listing requirements, and inviting brokers to contact me to report changes if necessary. This streamlines service and reserves contact with brokers for those accounts that demand more attention,” she says. 

Dion believes that premium stability is important to retain good business. “On first renewals, I will limit rate increases commensurate only with inflation. I account for and apply standard inflation increases as a default; when an accounts’ performance merits more aggressive rate actions, I will tell the broker what the full rate strength needs to be and try to gradually work towards it – this gives the broker a clear idea of what the pattern of increases will be over the subsequent policy terms and gives them the option if they would rather move the account now and write new elsewhere. I feel like there is a balancing act with retention – I want to retain the performing accounts while rehabilitating others.”  

Charlton says stability is the core of the company’s operations, and that the company differentiates itself in the market by taking a consistent approach to the market and pricing. 

“Chubb wants to build long-term relationships with brokers and clients. We have not radically changed what we do during the market cycle. It’s gratifying to partner with brokers that understand this value proposition and know how to highlight it to their valuable clients,” he says.

“I apply a good work ethic as a member of my team, putting broker needs first to help them succeed as they consult with consumers of insurance”
Melissa Woods, Portage Mutual


Tomorrow’s contenders 

What are the winning underwriters’ plan to continue honing their skills and abilities? 

“I am going to continue on this path of being committed to exceptional service and being clear and direct and consistent with my underwriting acumen,” says Dion. “I plan to embark on the FCIP designation to further enhance my knowledge and demonstrate my commitment to this great industry.”  

Woods says she will simply apply a good work ethic as a member of her team, putting broker needs first to help them succeed as they consult with consumers of insurance. 

Dion’s advice for underwriters who would like to be considered for future 5-Star awards is to invest time and energy into their broker relationships, while Woods encourages them to “be a total team player.” 

For Charlton, awards in the industry reflect the amazing teams who work in it. “Build relationships within your organization, treat every difficulty as a learning opportunity and always take time to support the team – it will always be reciprocated. I think the hard market has really exposed the importance of consistency and timeliness in addressing our broker and client needs. It can be as simple as being there for trusted partners when needed,” he says. 


5-Star Underwriters

  • Allicia Campbell 
    Underwriter, Pacific Marine Underwriting Managers
  • Amy Morrison 
    Team lead, commercial auto underwriting, Gore Mutual Insurance Company
  • Anthony Gallo 
    Directors’ and officers’ department leader, senior vice president, Victor Canada
  • Brian Tompkins 
    Underwriter, SUM
  • Catherine Wu 
    Senior commercial underwriter, Cansure Underwriting
  • Christopher Charlton 
    Petroleum underwriting specialist, Chubb Insurance
  • Dale Calvert 
    Canada healthcare underwriting manager, CFC Underwriting
  • Elliot Selby 
    Commercial lines underwriter, Intact Insurance
  • Enakshi Sinha 
    Senior underwriter, Pembridge
  • Faical Cheblaoui 
    Underwriter, CNA
  • Gabriel Morneau  
    Senior vice president, CHES
  • Gloria Qiu 
    Senior environmental underwriter, Liberty Mutual
  • Heather Dusenbury 
    Senior specialist, global corporate and specialty, Aviva Canada
  • Heather Jamieson 
    Senior vice president, property, Stewart Specialty Risk Underwriting Ltd.
  • Janice Passarelli 
    Senior underwriter, Halwell Mutual
  • Jo-Anne Thayer 
    Senior personal lines underwriter, Intact Insurance
  • Joyce Rajadurai  
    Commercial underwriter, APRIL Canada
  • Karina Cheng 
    Senior commercial underwriter, Gore Mutual
  • Keri Coffey 
    Commercial lines (auto) underwriter, Peace Hills Insurance
  • Kevin Williams  
    Senior casualty underwriter, Chutter Underwriting Services
  • Laura Donaldson 
    Senior commercial lines P&C underwriter, Wawanesa Insurance Company
  • Leena Malik 
    Senior underwriter, Burns & Wilcox
  • Louise Dion  
    Commercial lines underwriter, Peace Hills Insurance
  • Mary Ann Platnar 
    Underwriting supervisor, Echelon Insurance
  • Mary Giunta 
    Assistant vice president, casualty, Arch Insurance Company
  • Mashood Ali 
    Executive vice president, underwriting, PMU Specialty Underwriting Managers LTD
  • Melissa Woods 
    Commercial underwriter, Portage Mutual
  • Nicole Hachey 
    Senior personal lines underwriter, Intact Insurance
  • Noel Dodd 
    Senior underwriter, Special Risk Insurance Managers
  • Peter Lee  
    Vice president, casualty, Stewart Specialty Risk Underwriters
  • Rachana Patel 
    Senior underwriter, CHES Special Risk
  • Ray Edwards 
    Senior underwriter, vice president, Victor
  • Rick Feeney 
    Underwriting manager, casualty, Vailo
  • Ruth Taylor 
    Personal lines underwriter, Travelers
  • Ryan Barreto 
    Healthcare assistant underwriter, CFC Underwriting
  • Sarah Kirby 
    Commercial underwriter, Risk-Can Underwriting Managers
  • Shelley Blagdon 
    Senior specialist, specialty lines, Intact Insurance
  • Snigdha Ghosh 
    Underwriting manager, Billyard Insurance Group
  • Steven Hrab 
    Director, construction, Burns & Wilcox
  • Sunnie Zhu  
    Commercial P&C underwriter, Aviva Insurance Company
  • Teresa Mazza 
    Senior underwriter, Chubb Insurance
  • Teresita Delrosario 
    Senior personal lines underwriter, Intact Insurance
  • Veronica Hipkiss 
    Peace Hills Insurance
  • Victor Ip  
    Senior vice president, casualty, Stewart Specialty Risk Underwriters


To uncover the best underwriters in the Canadian insurance industry, the Insurance Business team undertook a rigorous marketing and survey process, leveraging its connections to brokers across the country. Brokers were asked to nominate their underwriters and rate them on seven key criteria: coverage, new business turnaround times, claims turnaround times, broker support, commission structure, overall service levels, and premium stability. Underwriters that were rated 80% or greater were named 5-Star Underwriters for 2022.

38% of responses are from brokers that have been in the industry for 30 years 

17% of responses are from brokers who have been working for 30 years  

34% of responses are from brokers based in Ontario 

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