Line4

In forceProperty and casualty insurers: capitalLast checked 11 November 2026

Own risk and solvency assessment key metrics, P&C and mortgage insurers (OP)

A regulatory return listed by the Office of the Superintendent of Financial Institutions (OSFI), Canada.

A short report of key capital metrics from the insurer's Own Risk and Solvency Assessment (ORSA), using regulatory capital (margin) calculated under the MCT or MICAT. It is due annually, within 30 days of the board's review (or branch management's sign-off). Source

Official title: ORSA Key Metrics Report (OP)

The facts

Who files
OSFI's reporting requirements tables list it for: Canadian property and casualty insurers; foreign property and casualty insurers; Canadian mortgage insurers. Source
How often
Annual. Source
Deadline
Property and casualty insurers, annual filing: at least annually and within 30 days of the board of directors' review or Canadian branch management's sign-off. Mortgage insurers, annual filing: at least annually and within 30 days of the board of directors' review or chief agent's sign-off. Subject to the Late and Erroneous Filing Penalties (LEFP) framework. Source
Format
Web form, XML. The instructions say insurers can use "The RRS on-line web form for direct data input and submission" or "submit this data by uploading an XML file to RRS." Source
How it is filed
Filing routes recorded for the OSFI: Regulatory Reporting System (RRS); Regulatory Data Hub (RDH). See how firms file with the OSFI.
Status
In forceFiled in the Regulatory Reporting System (RRS). OSFI's Data Collection Modernization initiative will replace RRS with a new platform, the Regulatory Data Hub (RDH); OSFI says the launch is now targeted for spring 2027 and asks filers to keep using RRS until then. Financial filing for insurers moves to RDH in Release 3; OSFI says more details on financial returns will come in 2027. Source
Group
Property and casualty insurers: capital

Templates (1)

The tables and forms inside the return. Plain name first, the OSFI's code in brackets.

  • P&C Insurers Key Metrics Report (OP)

OSFI publishes this return as a single form (kmr_pc.xlsx). Source

Validation rules

33 rules, as counted from the OSFI's published material. Software can run them exactly as published. Source

How they are written: Excel workbook, one row per rule (Rule ID, Rule Type, Description and a Formula or Expression column in OSFI's RRS rule syntax, for example If(ElementExists([D0801]), ElementExists([D0804]), IsNull([D0804]))).

The rules, on osfi-bsif.gc.ca

How they were counted

Counted 33 rows with a rule in the 'Validation rules' sheet of op-validation-en.xlsx (33 error).

Counts are in the OSFI's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No publication of data from this return was found on OSFI's reporting or open data pages. Source

Official documents (8)

The OSFI's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see OSFI's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Last checked 11 November 2026.