Open claims decreased from 175 in P7 to 168 in P8. Liability and workers' compensation declined, while auto claims increased.
Executive summary
Open claims
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Selected view
Reserve balance
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Selected view
Open-claim movement
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Versus prior available snapshot
Data coverage
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Snapshots with usable open-claim data
Select a year or brand to update the executive summary.
Liability Claims
NewClosedOpen
Workers' Compensation Claims
NewClosedOpen
Auto Claims
NewClosedOpen
Property Claims
NewClosedOpen
Claims by Province
Darker provinces represent a higher relative share of the Canadian claims represented for the selected view. Hover over a province to see its allocated count. The current view uses Tim Hortons Canadian-source allocation; exact province totals will become claim-level once all source files carry province fields.
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Canadian open claims represented
Select a province on the map to see its claim count.
Claim intensity
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Claims by U.S. State
Darker U.S. states represent a higher relative share of the selected open-claim total. Hover over a state to see its allocated count; exact state-by-state counts can be connected once the normalized data includes claim location.
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open claims represented
Select a state on the map to see its claim count.
Claim intensity
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Reserve movement
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The bridge compares the latest available reserve snapshot with the preceding available snapshot.
High-risk claims
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Claims above threshold
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Open claims with reserve > $50k
Outstanding reserve
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Current P8 source view
Largest individual exposure
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Claim-level outstanding reserve
Top concentration
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Highest brand/source grouping
High-risk claim count evolution · 2026 P1–P8
High-risk reserve exposure evolution · 2026 P1–P8
Current high-risk claims · 2026 P8
Entity / source
Claimant / location
Line
Date supplied
Outstanding
Incurred
State or Province
Description
Historical Overview - 2019-2026
Comparable all-entity snapshots now extend back to 2019. Click a range button to redraw the charts; hover or focus a point to see its snapshot. Missing periods are marked with a dashed bridge and a Missing label, and the series combines the generic liability/auto/property source with the available WC loss-run source.
2020Jan-Dec source packs availableProvisional source-reconstructed overview; source formats are not directly comparable to later years.
2021P2, P5-P7, P9 availableCarrier-specific source formats; no comparable snapshots in the remaining periods.
2022P1-P3, P5-P12 availableMonthly RBI liability and WC extracts become more consistent during the year.
2023-2025All P1-P12 availableComparable monthly generic and WC loss-run sources.
2026P1-P8 availableCurrent-year detail panels above use the same Claims Data for Gail folder.
Brand detail view
Use the selector to focus a brand; claim and reserve detail follows the selected year where a brand-level source is available.
Showing all four brand detail views.
Brand detail source range: 2026 P1-P8. Select another year to see whether brand-level history is available.
Popeyes - Claims & Reserves
Popeyes open GL claims increased from 46 in P7 to 52 in P8, while open workers' compensation claims declined from 29 to 25. Combined reserve balance decreased from approximately $1.03M to $0.88M.
Burger King open GL claims reached 32 in P8 after rising from 27 in P1, while open workers' compensation claims were broadly flat at 31. Combined reserve balance increased from approximately $1.64M in P7 to $1.88M in P8.
Corporate open GL+AU claims increased from 5 in P1 to 8 in P8, while open workers' compensation claims remained flat at 7. Combined reserve balance increased from approximately $0.99M in P7 to $1.12M in P8.
Corporate - Liability Claims
New GL+AUClosed GL+AUOpen GL+AU
Corporate - Workers' Compensation Claims
New WCClosed WCOpen WC
Corporate - Casualty Reserve Balance ($000s)
Reserve balanceMonthly reserve change
Tim Hortons - Claims & Reserves
Tim Hortons open liability claims declined from 20 in P6 to 19 in P8, while open Auto claims declined from 15 to 13. Combined liability and Auto reserve balance was approximately $1.21M in P8.
Tim Hortons - Liability Claims
New LiabilityClosed LiabilityOpen Liability
Tim Hortons - Auto Claims
New AutoClosed AutoOpen Auto
Tim Hortons - Casualty Reserve Balance ($000s)
Reserve balanceMonthly reserve change
Source Reconciliation - P8
Additional loss runs are included here for traceability and reconciliation. The primary trend totals remain on canonical monthly sources where reports overlap, preventing duplicate claim counts.
Burger king Monthly (198634)BK program loss run
17,893records
5reopened
Supplemental BK source; approximately $239k WC outstanding balance.
RBI Loss Run-9_1_2026Tim Hortons liability/auto loss run
396records
34open
Dedicated Tim Hortons source used for the liability and Auto panels; approximately $1.21M L+A reserve.
S60400ESIS BK loss run
23,926records
3open
Supplemental BK source; approximately $170k outstanding balance, primarily WC.
RBI_US_loss_information originalbackup copy
6,106records
-not additive
Retained as a validation copy and excluded from totals to avoid double-counting the non-original extract.