Experience + Focus = Excellence.

We bring value to the equation.

NIAC's Vision

is to collaborate with the world’s experts in all aspects of insuring Canadian
nuclear risk through innovation today and tomorrow.


Our mission is to create innovative insurance solutions for stakeholders by combining the strength of leading Canadian Insurers to provide true risk transfer and nuclear risk management for our clients.
Experience + Focus = Excellence.


  • Experience. Expertise in nuclear insurance on a global scale and how it translates to Canadian business.
  • Value. There is no way Insurers, individually, could create a centre of excellence. NIAC’s specialty is in this business and NIAC is continually striving to provide value to the various sectors of our industry.
  • Integrity. NIAC strives to provide equitable treatment to clients and members, carefully balancing the needs of both.
  • Good Governance. NIAC, because of inter-related dependencies provides good governance due to being in our particular niche. Good governance also creates our value.
  • Dependability. We are financially strong because members of NIAC are top rated insurers.
  • Innovation. NIAC provides true risk transfer solutions for nuclear liability and property insurance.

What We Do

We specialize in high quality insurance risk management, underwriting and inspections for Canadian nuclear exposures. We provide true risk transfer, secure insurance capacity and collaborate with the world’s nuclear experts to create innovative domestic solutions for our clients and members.

Whom We Serve

The benefit of our experience works for all stakeholders: insured clients, members, multi-level government agencies and all Canadians. Since 1958 NIAC has had a history of partnering with Insurers around the globe to create reliable risk management for the nuclear industry.

What We Stand For

NIAC stands for the value of excellence. We offer Canadian risk solutions, thought leadership and expertise that provides security and confidence to our customers and members. NIAC is passionate in leading the domestic nuclear industry in the areas of nuclear insurance law, good governance and claims administration and we collaborate with the world’s leading experts to create a true Centre of Excellence.

Why NIAC Exists

Governments and industry are aware of the need for financially strong insurance for the sustainability of nuclear energy for peaceful purposes. NIAC is a voluntary, non-profit, unincorporated association of insurers forming liability and property damage pools - insuring nuclear installations, suppliers and transportation of nuclear substances in Canada.

Who Runs NIAC

A committee of member companies provides oversight for NIAC. Pool members are property/casualty insurers, reinsurers and Lloyd's Underwriters licensed in Canada and approved by committee. The association employs in-house staff and specialists to manage the underwriting and administration of the pool operations.

Staff Profiles


Christine Duffield


Chris Duffield chairs the Governing Committee of the Nuclear Insurance Association of Canada, a committee made up of pool members providing oversight for the association. Pool members are property/casualty Insurers, Reinsurers and Lloyd’s Underwriters licensed in Canada. Chris is a Senior Vice President for Swiss Reinsurance Company Ltd. in Canada responsible for managing a portfolio consisting of Canadian and Global insurance clients. Her primary mandate is to efficiently deliver Swiss Re’s platform of traditional and non-traditional reinsurance products and solutions for the property/casualty insurance industry.

Chris joined Swiss Re in 1985 having previously worked for a primary insurer. Based in Toronto, Canada, she leads her team in providing a broad market perspective combined with local market knowledge. As a 29-year Swiss Re veteran, she assumed her current role in 1996; before that Chris worked in various areas of the company specializing in contract wording design, systems development, as well as corporate issues.

Chris graduated from the University of Toronto with a Bachelor's degree in Political Science. Her professional designations include being a Fellow Chartered Insurance Professional through the Insurance Institute of Canada.

In addition to being Chair of NIAC, she is also a member of the Insurance Bureau of Canada's Ontario committee, and former Chair of the John E. Lowes Insurance Education Fund, and President of the Toronto Chapter, Society of Fellows.

General Manager

Colleen P. DeMerchant


Colleen DeMerchant has been involved with NIAC for almost 20 years and is recognized internationally and domestically as subject matter and insurance risk expert in the complex and closely regulated area of Canadian nuclear insurance. Colleen has appeared before the Standing Committee on Natural Resources regarding changes to the Nuclear Liability Act and has participated in international conferences on civil liability for nuclear damage and nuclear symposiums to spread the word of Canada’s unique domestic pooling arrangements.

Colleen began her insurance career with a regional brokerage in Saint John, New Brunswick. Following several years as broker, she moved to Toronto to take up a Head Office underwriting position for one of Canada’s leading Property/Casualty insurers for more than ten years before joining the Insurers’ Advisory Organization (IAO) as Casualty Manager prior to NIAC.

Promoted to General Manager in 2012, Colleen directs NIAC’s strategic plan, in accordance with the Governing Committee and provides leadership to insurance and nuclear industries and federal government on nuclear liability risk, insurance, loss control and claims administration. Colleen also is responsible for preparing and reviewing NIAC’s financial activities and member solicitation requirements set by the Office of the Superintendent of Financial Institutions (OSFI).

Colleen has authored papers on nuclear liability insurance in Canada as well as explaining the nuclear insurance exclusion in the IBC industry standard general liability wording and she has conducted continuing education seminars for the insurance community.


Manager, Underwriting & Operations

Wendy Hayden


Wendy Hayden joined NIAC in 2012 to oversee the technical underwriting and program relationship management functions for existing underwriting pools and client accounts. In addition, Wendy leads the operational projects designed to meet the future needs of clients, members and other valued stakeholders within the insurance and nuclear industries.

With broker management experience on regional and national scales, Wendy has led branch operations for Commercial SME, Mid-Market and Program business. As VP and National Manager at a global brokerage, Wendy directed innovative marketing for Program clients to ensure compelling risk management strategies serving national, regional as well as local business needs.

Wendy has over fifteen years of progressive leadership working for two of the largest Property/Casualty Insurers in Canada; she managed territory operations for personal and commercial lines as well as portfolio management and business development experience. Wendy has held senior roles in Mid-Market Commercial: Regional Manager for Ontario and Atlantic Provinces and later promoted to Vice President, she provided national leadership and strategic direction by strengthening best practices and updating underwriting guidelines, target segments and rating structures.

Wendy completes a five year term as Academic Division chair for the Insurance Institute of Ontario, Governing Council in 2014 and prior, a member of the Insurance Institute of Canada’s national Academic Committee, as well as Past President of the York Condominium Corporation 435 Board of Directors.