Commitments in Action
We are both pleased to highlight our ongoing efforts to protect, defend, and advance the architectural profession in 2025. These three commitments guide every decision we make and every action we take. They form the core of our cause, purpose, ambition, and values and anchor our promise to champion architects’ wise, effective, and efficient management of risk.
Empowering Architects to Succeed
Architects navigate increasing complexity—technological, contractual, regulatory, and societal. Our role has never been more important: to stand beside your firm as a trusted ally. From enhancing loss-prevention resources such as our analysis of the Grenfell Tower Fire, to facilitating smoother and easier experiences with us, we continue to help architects practice with greater confidence and clarity. In 2025, we updated our premium calculation model to include an Experience Rating Factor (ERF), reflecting each individual practice’s 10-year loss ratio as compared to other Ontario practices. The ERF is a first step toward personalized insurance pricing based on a practice’s long-term risk profile. It also improves transparency and helps each practice understand their relative risk experience compared to their colleagues.
Less visible to policyholders, we have replaced and modernized our underwriting platform. This will help reduce costs in the long run, supports faster business processing and sets the foundation for future online service opportunities.
Pro-Demnity continued to protect and defend architects across diverse claims, including one which was heard at the Superior Court of Appeal in November 2025. We also made a meaningful contribution to the Ministry of the Attorney General and the Superior Court of Justice ongoing review of Ontario’s Rules of Civil Procedure.
This work is not possible without our exceptional employees. Their dedication, expertise, and unwavering support of you, our policyholders, allow us to meet challenges with agility and foresight. To every member of our team: thank you for being steadfast allies to architects in every corner of the profession.
Overseeing the entire company is our Board of Directors. Their ongoing leadership, strategic insight, and commitment to our mission provide the foundation for our continued strength and relevance. Thank you for your guidance and support.
A Milestone Ahead: 40th Anniversary in 2026/2027
As we embark on our 40th underwriting year, we recognize the significance of reaching this milestone. Four decades of service reflects not only the resilience of our organization but also the enduring trust placed in us by architects provincewide. We honour this history while setting our sights firmly on the opportunities ahead.
Strengthening Our Foundation for the Future
The landscape of design and construction will continue to evolve – and so will we. We remain focused on strengthening our core capabilities while advancing new tools, insights, and services that help architects better understand and navigate risk. Innovation, responsible stewardship, and responsiveness to emerging practice realities will guide our continued growth.
On behalf of the entire team, thank you for your continued trust and engagement. We are honoured to serve you.
Sincerely,
Debra Krakow, Chair, Board of Directors
Bruce H. Palmer, President and CEO