Lombard is Northbridge’s largest subsidiary and is a leading commercial insurance company by gross premiums written. Lombard, through its predecessor companies, began writing insurance in Canada in 1804. It writes primarily broad-based commercial lines targeted at small and mid-sized businesses, commercial trade groups and associations, selected large Canadian businesses, and targeted specialty lines of business.

Lombard distributes its insurance products principally through independent brokers and maintains a focused broker strategy, dealing on a selective basis with what it considers to be the top 200 independent brokers across Canada. Approximately half of these top tier brokers enjoy special status with Lombard through its “Inner Circle” recognition program which is designed to maintain Lombard’s existing long-term broker relationships, and helps to develop new and lasting broker relationships.

Lombard offers Web-enabled technology through its proprietary point-of-sale software and technology platform, Commercial Linq™. This platform enables brokers to efficiently process and submit policy information through the Internet and gives Lombard a competitive advantage in its commercial small to mid-market business.

Lombard also underwrites personal lines through the independent broker channel providing homeowner, automobile and specialty coverages. Lombard’s direct marketing subsidiary focuses on insureds over the age of 50, including the Canadian Association for the Fifty-Plus, through its “Privilege 50” program.

Lombard was acquired by Fairfax in 1994 and we acquired Lombard in conjunction with our initial public offering in 2003.

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