2026 Earthquake Exposure Data Memorandum
Summary
The Office of the Superintendent of Financial Institutions Canada reminds federally regulated property and casualty insurers to file their 2026 Earthquake Data Form by May 31, 2026. No changes were made to the form or instructions for 2026, but insurers are voluntarily requested to submit supplemental 1-in-200 year probable maximum loss data.
What changed
This memorandum serves as a reminder to federally regulated Canadian and foreign property and casualty insurance companies regarding the upcoming filing deadline for the 2026 Earthquake Exposure Data Form, due by May 31, 2026. The Office of the Superintendent of Financial Institutions Canada (OSFI) notes that there are no changes to the form or its instructions for the 2026 reporting year. Insurers must submit the data via the Regulatory Reporting System (RRS), with options for direct data input or XML file upload.
Additionally, OSFI is voluntarily requesting insurers submit their 1-in-200 year probable maximum loss (200 PML) values as a supplemental filing using OSFI 1045 to support catastrophe risk analysis. This request is separate from the mandatory Earthquake Data Form and does not alter existing requirements for the 1-in-500 year earthquake data. Questions regarding the form should be directed to the lead supervisor or the Catastrophic Risk Division, while RRS filing queries should go to Returns Administration.
What to do next
- File the 2026 Earthquake Data Form by May 31, 2026, via the RRS.
- Consider submitting supplemental 1-in-200 year PML data voluntarily via OSFI 1045.
Source document (simplified)
2026 Memorandum - Earthquake Exposure Data
Information
Publication type Letter Date
March 20, 2026
Sector Property and Casualty Companies Generate PDF
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To:
Chief Executive Officers and Chief Agents, Federally Regulated Canadian and branches of Foreign Property and Casualty Insurance Companies
Cc:
Insurance Bureau of Canada
From:
Andrew Miller
Chief Data Officer, Risk & Data Analytics
We remind insurers to file the Earthquake Data Form with us for the reporting year 2026, by May 31, 2026.
Insurers should submit the data via the Regulatory Reporting System (RRS). There are two options within RRS, made available within your Draft Returns RRS folder starting as of April 1, 2026:
- the on-line web form for direct data input and submission
- submit this data by uploading an XML file to RRS; technical specifications for the format and structure of this data file are available for download in RRS under Documents / Portal Documents / English / Return Technical Specifications For 2026, we made no changes to the Earthquake Exposure Data Form or the Instructions.
We are requesting, on a voluntary basis, that insurers submit their 1‑in‑200 year probable maximum loss (200 PML) values using the unstructured return OSFI 1045 as a supplemental filing in RRS to support exploratory analysis of catastrophe risk. We are not changing our existing requirements related to the 1‑in‑500 year earthquake, and this request is separate from the required Earthquake Data Form.
Please address questions concerning the Earthquake Exposure Data Form to your lead supervisor and to Abdoulaye Traore, Catastrophic Risk Division, by email at Abdoulaye.Traore@osfi-bsif.gc.ca. For questions concerning electronic filing of this data in RRS, please email Returns Administration at RRSsupport-SDRsoutien@osfi-bsif.gc.ca.
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Date modified:
2026-03-20
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