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Stephen Imrie Profile


Stephen S. Imrie FCIP, FRM, PMP
Associate Consultant


  • Over 30 years experience in the Property & Casualty, Life & Accident & Sickness Insurance Industry.
  • Insurance Underwriter, Retail Broker/Agent, Marketing coordinator, Business Relations, Insurance Executive, Risk Manager, Small Business Owner.
  • Employed by Insurance Companies; Retail Brokerage employee; Insurance Brokerage Owner/Principal; Managing General Agent(s), Insurance & Risk Management Consulting.
  • Experience with most classes of business including most Personal lines, Commercial Lines, Accident & Sickness coverage.
  • Written business across Canada from British Columbia to Prince Edward Island.
  • Integrated a “front end” paperless environment through document management and operational workflows processes.
  • Rationalized the product mix including risk tolerance and target business segments resulting in greater customer focus and corporate profitability.
  • Consolidation of over 600 commercial and personal wordings, coverages and endorsements to a manageable inventory allowing for greater risk management, claims settlement, underwriting standards and practice and product development and growth.
  • Technical lead on our corporate and regulatory audit and control function and developed “best practices” for the company, providing a positive learning environment for continuous improvement annually.


Imrie Risk Management Solutions Ltd. May 2014 – Present
•  CEO, Senior Risk Management Consultant

Frank Cowan Company Limited Feb 2010 – May 2014

  • Vice President – Underwriting
    • Responsible for the profitable growth and development of Property, Casualty and Automobile business as the
    • underwriting lead for a Specialty Managing General Agent working on behalf of preferred Insurers. Major Segments
    • include Municipal, Hospital, Education, Health Care and Community Service business.

Catlin Canada Inc.

  • Territory Underwriting Manager – South Western Ontario July 2009 – Feb 2010
    • Development and growth of the Property & Casualty lines of business by establishing key broker
    • relationships and profitable risk selection, underwriting and genuine personal service. Creating and
    • executing on strategic business and marketing plans while working in tandem with other key managers and
    • executives in Canada and globally, to form part of the management underwriting team.

Imrie Risk Management Solutions Ltd. Dec 2008 – July 2009

  • President
    • Specialized risk management and insurance advisory and consulting firm, offering services to corporate clients.
    • Our purpose is to help our clients manage their corporate and operational risks more knowledgeably and cost effectively,
    • by providing them with technical advice on risk analysis and risk management issues.

Gore Mutual Insurance Company. Cambridge ON 2000 – Dec 2008

  • Underwriting Director – Risk Management & Support
    • Expanded mandate to manage and drive the Personal & Commercial business units ensuring adequate
    • profitability and premium targets are achieved and that effective and efficient Underwriting, Risk Management,
    • Audit & Regulatory protocols are in place and utilized.
  • Underwriting Director – Commercial Lines 2000 – 2004
    • Initial mandate was to assess the Commercial Lines business model and develop and execute a strategy to reestablish the company as a market leader for small to medium enterprise business.

Dominion of Canada General Insurance Company. Toronto ON 1997- 2000
•  Commercial Underwriting Manager

The Insurance Managers & Financial Services Ltd. Woodstock, Tillsonburg, Norwich & Delhi 1995 – 1997
•  Insurance Broker, Founding President

Imrie & Associate Insurance Brokers Ltd. Tillsonburg ON 1989 – 1997
•  Insurance Broker Owner, Entrepreneur

Jamieson-Hilts Insurance Brokers Ltd. Woodstock ON 1986 – 1989
•  Insurance Broker, Marketing Co-ordinator

Guardian Insurance Company of Canada London ON 1982 – 1986
•  Commercial Underwriter


  • Insurance Institute of America / CPCU Completed 33 % of the Program to date – In Progress
  • Chartered Insurance Institute / ACII Completion of final course for ACII in Fall
  • 2014 – In Progress
  • Project Management Professional (PMP) Project Management Institute 2005
  • (Enrolled) International MBA – Heriot-Watt University Edinburgh Business School (Scotland) 2005
  • Fellowship – Underwriting Major (Continuing Education) Insurance Institute of Canada 2003
  • Master Manager Certification Program Wilfrid Laurier School of Business 2000
  • Fellowship – Risk Management (FRM) Institute of Risk Management 1999
  • Fellowship – Risk Management Major (Continuing Education) – Insurance Institute of Canada 1997
  • Canadian Risk Manager (CRM) Institute of Risk Management 1997
  • Teaching Techniques Certificate Insurance Institute of Canada 1993
  • Fellowship – Management Major (FIIC, FCIP) Insurance Institute of Canada 1986 to 1989
  • Canadian Chartered Insurance Broker (CCIB) Insurance Brokers Association of Canada – 1988 to 1989
  • Canadian Accredited Insurance Broker (CAIB) Insurance Brokers Association of Canada – 1987 to 1989
  • Associateship (AIIC) Insurance Institute of Canada 1982 to 1985
  • Fanshawe College Business Administration – Finance 1980 to 1982


  • Registered Insurance Brokers Association of Ontario (Designated Individual) 2013 to 2014
  • Honorable Order of the Blue Goose International (Ontario Pond) 2013 to 2014
  • Property Casualty Underwriters Club / PCUC 2005 to Present
  • Project Management Institute / PMI 2003
  • Insurance Institute of Canada (Board Member of Governors) 2005 to 2007
  • Institute of Risk Management 1997 to Present
  • Superintendent of Insurance (Life Agent including Accident & Sickness) 1989 to 2003
  • Insurance Institute of Ontario 1982 to Present
  • Insurance Brokers Association of Ontario 1986 to 1997
  • Registered Insurance Brokers Association of Ontario (Designated Individual) 1989 to 1997


  • Greater Kitchener-Waterloo Chamber of Commerce 2014 to Present
  • New Dundee Park Improvement Program – Co-Chair Fundraising 2009 to 2011
  • Insurance Institute of Ontario (Conestoga Chapter) – President 2005 to 2007
  • Rotary Club of Tillsonburg – President 1993 to 1994
  • Canada Trust Friends of Environment – Founding President, Tillsonburg, ON 1992 to 1993