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This profile was last updated on 11/20/14  and contains information from public web pages and contributions from the ZoomInfo community.

Heather Masterson

Wrong Heather Masterson?

Vice President Professionals Divi...

Company Description: Governance at Mount Gambier High School is the responsibility of the Governing Council. Governing Council has a constitution and a code of practice to guide its...   more

Employment History


  • BA
  • B.Ed.
40 Total References
Web References
Totten Group - News, 20 Nov 2014 [cached]
Heather Masterson to be honoured as Business Insurance 2013 Women To Watch
Totten Insurance Group (TIG) announced today that Heather Masterson, President & CEO has been selected as one of the Business Insurance 2013 Women To Watch. She will be honored at the annual Women To Watch Leadership Workshop and Awards Luncheon in New York City on December 3, 2013.
The July 2013 issue of InsuranceWest (right) featured Totten Insurance Group's CEO, Heather Masterson, on the art of win-win negotiations.
The Cover Story features the background behind Masterson's quick trip up the corporate ladder and what had her hooked to the industry from the beginning. The article can be found here.
Heather is currently responsible for managing Insurance company relationships, as well as maintaining presence in the Worldwide Broker Network (WBN). Heather spent a number of years at AIG in various roles including underwriting, sales and marketing and ultimately setting up and running the Canadian operations for AIG WorldSource.
Heather started her career as a retail broker in the family brokerage and while there set up and managed the commercial division of Newfoundland's Colonial Fire and General Insurance Company. She continued on the company side of the business after completing the Continental Insurance Company training program, both in Canada and the US.
A graduate of both Dalhousie University and Memorial University she continued her education with an FCIP in Management from the Insurance Institute. She was an Institute instructor, and is a frequent speaker across Canada, and is interviewed extensively by the insurance trade press. Heather is active on a number of insurance company Councils as well as being the current chair of the Insurance Institute CIP Professionals Society and serves on the Governing Council as VP Professionals Division. In addition she is a member of the Board of Directors of Executive Women in Insurance Network (EWIN).
This managed transition of leadership has been carefully structured to continue to allow Totten Insurance Group Inc. / Groupe Gestionnaire D'Assurances Totten Ltée to focus on serving our brokers and companies, now and into the future. Please join us in welcoming Heather to our Company in September.
The roundtable report, which included Paul Green from CG&B, Lorie Guthrie-Phair from LePhair Associates, Heather Masterson from HUB International, Bruce Palmer from Moore-McLean, and Nora Gubins Mike Divjak from IIC, can be seen here.
HUB HKMB | Managing Partners | Robert Keilty, 13 Sept 2012 [cached]
Heather Masterson, Chief Marketing Officer
Article, 7 June 2002 [cached]
The amount of risk capital required to support insurance is now much greater, says Heather Masterson, director of corporate marketing for American International Group (AIG) in Canada.Insurers now have to realistically prepare for the worst case scenario because that is what they faced on September 11."We can no longer say 'this can't happen', because it has."
Masterson says increases will certainly run through 2002 and 2003, as insurers will not see results in terms of earned premiums for at least another year.Vining thinks it could be 2005 before risk managers see a let up in hardening.In a recent report, U.S. rating agency Fitch predicts a return to soft pricing no later than 2003.
The current hardening of the price cycle, which was originally predicted to be mainly focussed on "losing" lines of business, has swept across all lines.Part of this is in reaction to September 11, where losses were seen on a variety of lines of business -- life insurance, workers compensation, aviation, property (especially commercial property) and business interruption.After the WTC, one of the hardest hit developments was Brookfield Properties, which saw extensive damage to buildings surrounding the Twin Towers, including its Liberty Plaza development.
Masterson adds that corporate buyers should also expect the trend to short-term contracts, rather than such things as three-year deals, will continue and increase now.
Companies will face not only the unavailability of terrorism coverage, but also cyber exclusions, environmental exclusions and more."Forget the throw-ins, we're talking about the big stuff," Vining notes.
Tightening the screws
There has been some criticism of the insurance industry, suggestions that insurers may be using September 11 as justification for rate hikes and limitations that are too fast and too severe.
The closure of Copenhagen Re and other small reinsurers, others cutting lines of business and the drought in retrocession markets is being felt by insurers, Masterson says.This lack of capacity is in turn being translated into the primary market and being felt by risk managers.Several insurers have cut lines of business, sold unprofitable lines and for certain covers there simply is none to be found.
Masterson says programs that used to have a $25,000 retention have been rising up to levels as high as $2 million.
HUB HKMB | Partners | Heather_Masterson, 25 Oct 2012 [cached]
Heather Masterson HUB HKMB | Partners | Heather_Masterson
Home > About HUB HKMB >Partners > Heather Masterson
Heather Masterson
Chief Marketing Officer, Ontario region executive Vice President, Risk Management and International Client Services, Toronto office
As Chief Marketing Officer, Heather is responsible for effectively managing Ontario's portfolio of insurance company relationships and driving the development and implementation of risk marketing strategies for individual, large, complex accounts. In her role as VP, Risk Management and International Client Services she is charged with developing new and championing existing relationships firm-wide with clients in this category. Heather also has corporate responsibility for maintaining HUB HKMB's presence as a member of the Worldwide Broker Network (WBN).
Heather joined HUB International in February 2009. She spent much of her career at AIG Canada, most recently as Vice President, AIG WorldSource Canada. Her experience includes overseeing underwriting, marketing and business operations for multi-national P&C clients, as well as trade credit, political risk, and crisis management products for Canada.
Heather is the Chair of the Insurance Institute's CIP Professionals Society and serves on the Insurance Institute's Special Events Committee.
Heather Masterson 416-597-4666
Heather Masterson, Chief Marketing Officer
Heather Masterson to be Honored ..., 3 Dec 2013 [cached]
Heather Masterson to be Honored as Business Insurance 2013 Women To Watch news
TORONTO, ON, December 3, 2013: Totten Insurance Group announced today that Heather Masterson, President & CEO has been selected as one of the Business Insurance 2013 Women To Watch. She will be honored at the annual Women To Watch Leadership Workshop and Awards Luncheon in New York City on December 3, 2013.
Launched in 2006, the Women To Watch feature spotlights 25 women who are doing outstanding work in commercial insurance, reinsurance, risk management, employee benefits and related fields. Each year's honorees are selected by a panel of senior editors at Business Insurance who consider various criteria, including recent professional achievements, influence on the marketplace and contributions to the advancement of women in business.
Prior to her role leading Totten Group, Heather has held several executive positions at HUB International and AIG. Heather is currently focused on three key initiatives at TIG; flight to quality for talent & diversity, best in class products & services and IT improvements in order to nurture the business and stimulate profitable growth. She is also a member of the Executive Women in Insurance Network (EWIN) Board of Directors, Chair of the Insurance Institute CIP Professionals Society and sits on the Governing Council at the IIO as VP Professional division.
"Heather's balanced approach leads TIG externally to set and achieve our corporate goals, while building a collaborative team, who has the resources and opportunities for success."
"Heather has always been a leader in the industry, with her depth of knowledge, expertise and willingness to help colleagues and clients. Heather is not just a fantastic person to work with; she is a smart, talented woman with a great sense of humor and is a pleasure to be around.
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