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SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, DC 20549
SCHEDULE 13G
(Amendment No. 2)*
Under the Securities Exchange Act of 1934
Hub International Limited
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(Name of Issuer)
Common Shares
------------------------------
(Title of Class of Securities)
4432P 10 1
--------------
(CUSIP Number)
DECEMBER 31, 2004
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(Date of Event Which Requires Filing of this Statement)
Check the appropriate box to designate the rule pursuant to which this Schedule
is filed:
[ ] Rule 13d-1(b)
[ ] Rule 13d-1(c)
[X] Rule 13d-1(d)
*The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter the
disclosures provided in a prior cover page.
The information required in the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act,
but shall be subject to all other provisions of the Act (however, see the
Notes).
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Cusip No. 4432P 10 1 13G Page 2 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
V. PREM WATSA
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
CANADIAN
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NUMBER OF
5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
10,553,044
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 10,553,044
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,553,044
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10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
31.9%
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12 TYPE OF REPORTING PERSON
IN
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2
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Cusip No. 4432P 10 1 13G Page 3 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
1109519 ONTARIO LIMITED
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
ONTARIO, CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
10,553,044
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 10,553,044
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,553,044
--------------------------------------------------------------------------------
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
--------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
31.9%
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12 TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
3
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Cusip No. 4432P 10 1 13G Page 4 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
THE SIXTY TWO INVESTMENT COMPANY LIMITED
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
BRITISH COLUMBIA, CANADA
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NUMBER OF
5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
10,553,044
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 10,553,044
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,553,044
--------------------------------------------------------------------------------
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
--------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
31.9%
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12 TYPE OF REPORTING PERSON
CO
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4
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Cusip No. 4432P 10 1 13G Page 5 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
810679 ONTARIO LIMITED
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
ONTARIO, CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
10,553,044
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 10,553,044
--------------------------------------------------------------------------------
9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,553,044
--------------------------------------------------------------------------------
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
31.9%
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12 TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
5
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Cusip No. 4432P 10 1 13G Page 6 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
FAIRFAX FINANCIAL HOLDINGS LIMITED
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
10,553,044
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 10,553,044
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
10,553,044
--------------------------------------------------------------------------------
10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
--------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
31.9%
--------------------------------------------------------------------------------
12 TYPE OF REPORTING PERSON
CO
--------------------------------------------------------------------------------
6
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Cusip No. 4432P 10 1 13G Page 7 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
CLEARWATER INSURANCE COMPANY
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
DELAWARE
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
5,374,094
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 5,374,094
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
5,374,094
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10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
16.9%
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12 TYPE OF REPORTING PERSON
CO
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7
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Cusip No. 4432P 10 1 13G Page 8 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
MARKEL INSURANCE COMPANY OF CANADA
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
ONTARIO, CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
1,161,781
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 1,161,781
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
1,161,781
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10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.8%
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12 TYPE OF REPORTING PERSON
CO
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8
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Cusip No. 4432P 10 1 13G Page 9 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
COMMONWEALTH INSURANCE COMPANY
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
BRITISH COLUMBIA, CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
950,110
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 950,110
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
950,110
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10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
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11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
3.1%
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12 TYPE OF REPORTING PERSON
CO
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9
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Cusip No. 4432P 10 1 13G Page 10 of 24 Pages
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1 Names of Reporting Persons/I.R.S. Identification Nos. of Above Persons
(Entities Only)
LOMBARD GENERAL INSURANCE COMPANY OF CANADA
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2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [ ]
(b) [X]
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3 SEC USE ONLY
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4 CITIZENSHIP OR PLACE OF ORGANIZATION
ONTARIO, CANADA
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NUMBER OF 5 SOLE VOTING POWER
SHARES
-----------------------------------------------------
BENEFICIALLY 6 SHARED VOTING POWER
2,809,184
OWNED BY -----------------------------------------------------
7 SOLE DISPOSITIVE POWER
EACH
-----------------------------------------------------
REPORTING 8 SHARED DISPOSITIVE POWER
PERSON WITH 2,809,184
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9 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
2,809,184
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10 CHECK IF THE AGGREGATE AMOUNT IN ROW (9) EXCLUDES CERTAIN SHARES [ ]
--------------------------------------------------------------------------------
11 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW 9
8.8%
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12 TYPE OF REPORTING PERSON
CO
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10
ITEM 1(a). NAME OF ISSUER:
Hub International Limited
ITEM 1(b). ADDRESS OF ISSUER'S PRINCIPAL EXECUTIVE OFFICES:
55 East Jackson Boulevard, Chicago, IL 60604
ITEM 2(a). NAME OF PERSON FILING:
This statement is being jointly filed by the following persons (collectively,
the "Reporting Persons"):
1. V. Prem Watsa, an individual;
2. 1109519 Ontario Limited ("1109519"), a corporation
incorporated under the laws of Ontario;
3. The Sixty Two Investment Company Limited ("Sixty
Two"), a corporation incorporated under the laws of
British Columbia;
4. 810679 Ontario Limited ("810679"), a corporation
incorporated under the laws of Ontario;
5. Fairfax Financial Holdings Limited ("Fairfax"), a
corporation incorporated under the laws of Canada;
6. Clearwater Insurance Company, a corporation
incorporated under the laws of Delaware;
7. Markel Insurance Company of Canada, a corporation
incorporated under the laws of Canada;
8. Commonwealth Insurance Company, a corporation
incorporated under the laws of Canada; and
9. Lombard General Insurance Company of Canada, a
corporation incorporated under the laws of Canada.
ITEM 2(b). ADDRESS OF PRINCIPAL BUSINESS OFFICE:
The addresses of the Reporting Persons are as follows:
1. Mr. Watsa's business address is 95 Wellington Street
West, Suite 800, Toronto, Ontario, Canada, M5J 2N7;
11
2. The principal business address and principal office
address of 1109519 is 95 Wellington Street West, Suite
800, Toronto, Ontario, Canada, M5J 2N7;
3. The principal business address and principal office
address of Sixty Two is 1600 Cathedral Place, 925 West
Georgia St., Vancouver, British Columbia, Canada, V6C
3L3;
4. The principal business address and principal office
address of 810679 is 95 Wellington Street West, Suite
800, Toronto, Ontario, Canada, M5J 2N7;
5. The principal business address and principal office
address of Fairfax is 95 Wellington Street West, Suite
800, Toronto, Ontario, Canada, M5J 2N7;
6. The principal business address and principal office
address of Clearwater Insurance Company is 300 First
Stamford Place, Stamford, Connecticut 06902;
7. The principal business address and principal office
address of Markel Insurance Company of Canada is 55
University Avenue, Toronto, Ontario M5J 2H7;
8. The principal business address and principal office
address of Commonwealth Insurance Company is 595
Burrard Street, Suite 1500, Vancouver, British
Columbia V7X 1G4; and
9. The principal business address and principal office
address of Lombard Insurance Company of Canada is 105
Adelaide Street West, 7th Floor, Toronto, Ontario M5H
1P9.
ITEM 2(c). CITIZENSHIP:
V. Prem Watsa is a citizen of Canada.
ITEM 2(d). TITLE OF CLASS OF SECURITIES:
Common Shares
ITEM 2(e). CUSIP NUMBER:
4432P 10 1
12
ITEM 3. IF THIS STATEMENT IS FILED PURSUANT TO RULE 13d-1(b), OR 13d-2
(b) OR (c), CHECK WHETHER THE PERSON FILING IS A:
(a) [ ] Broker or Dealer registered under Section 15 of the Act (15
U.S.C. 78o);
(b) [ ] Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c) [ ] Insurance Company as defined in section 3(a)(19) of the Act
(15 U.S.C. 78c);
(d) [ ] An Investment Company registered under section 8 of the
Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e) [ ] An investment adviser in accordance with Section 240.13d-1(b)
(1)(ii)(E);
(f) [ ] An employee benefit plan or endowment fund in accordance with
Section 240.13d-1(b)(1)(ii)(F);
(g) [ ] A parent holding company or control person, in accordance with
Section 240.13d-1(b)(1)(ii)(G);
(h) [ ] A savings associations as defined in Section 3(b) of the
Federal Deposit Insurance Act (12 U.S.C. 1813);
(i) [ ] A church plan that is excluded from the definition of an
investment company under section 3(c)(14) of the Investment
Company Act of 1940 (15 U.S.C. 80a-3);
(j) [ ] Group, in accordance with Section 240.13d-1(b)(1)(ii)(J).
ITEM 4. OWNERSHIP.
Based on the most recent information available, the aggregate number and
percentage of the common shares (the "Shares") of Hub International Limited
("Hub") that are beneficially owned by each of the Reporting Persons, assuming
full conversion of all of the convertible securities held by such Reporting
Person, is set forth in boxes 9 and 11 of the second part of the cover page to
this Schedule 13G, and such information is incorporated herein by reference.
The number of Shares as to which each of the Reporting Persons has sole voting
power, shared voting power, sole dispositive power and shared dispositive power,
assuming full conversion of all of the convertible securities held by such
Reporting Person, is set forth in boxes 5, 6, 7 and 8, respectively, on the
second part of the cover page to this Schedule 13G, and such information is
incorporated herein by reference.
Shares reported as beneficially owned include Shares issuable upon conversion of
certain convertible debentures, denominated in United States dollars, that are
convertible into Shares based upon a fixed conversion price in Canadian dollars.
For purposes of calculating the number
13
of Shares issuable upon conversion of such convertible debentures, an exchange
rate was used based on the average for the 20 business days immediately prior to
December 31, 2004 of the noon buying rate in New York City for cable transfers
of Canadian dollars as certified for customs purposes by the Federal Reserve
Bank of New York (in accordance with the indenture under which the convertible
debentures were issued).
Neither the filing of this Schedule 13G nor the information contained herein
shall be deemed to constitute an affirmation by V. Prem Watsa, 1109519, Sixty
Two, 810679, Fairfax, Clearwater, Markel, Commonwealth or Lombard that such
person is the beneficial owner of the Shares referred to herein for purposes of
Section 13(d) or 13(g) of the Securities Exchange Act of 1934, as amended, or
for any other purpose, and such beneficial ownership is expressly disclaimed.
ITEM 5. OWNERSHIP OF FIVE PERCENT OR LESS OF A CLASS.
Not applicable
ITEM 6. OWNERSHIP OF MORE THAN FIVE PERCENT ON BEHALF OF ANOTHER
PERSON.
Not applicable
ITEM 7. IDENTIFICATION AND CLASSIFICATION OF THE SUBSIDIARY WHICH
ACQUIRED THE SECURITY BEING REPORTED ON BY THE PARENT HOLDING
COMPANY.
Not applicable
ITEM 8. IDENTIFICATION AND CLASSIFICATION OF MEMBERS OF THE GROUP.
See attached Exhibit No. 1.
ITEM 9. NOTICE OF DISSOLUTION OF GROUP.
Not applicable
ITEM 10. CERTIFICATION.
Not applicable
14
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 V. Prem Watsa
/s/ V. Prem Watsa
------------------------------------
15
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 1109519 Ontario Limited
By: /s/ V. Prem Watsa
-----------------------------
Name: V. Prem Watsa
Title: President
16
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 The Sixty Two Investment Company Limited
By: /s/ V. Prem Watsa
---------------------------------
Name: V. Prem Watsa
Title: President
17
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 810679 Ontario Limited
By: /s/ V. Prem Watsa
-----------------------------
Name: V. Prem Watsa
Title: President
18
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 Fairfax Financial Holdings Limited
By: /s/ Paul Rivett
-----------------------------
Name: Paul Rivett
Title: Vice President
19
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 9, 2005 Clearwater Insurance Company
By: /s/ Donald L. Smith
-----------------------------
Name: Donald L. Smith
Title: Senior Vice President
20
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 8, 2005 Markel Insurance Company of Canada
By: /s/ David G. Taylor
-----------------------------
Name: David G. Taylor
Title: Director
21
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 8, 2005 Commonwealth Insurance Company
By: /s/ David G. Taylor
-----------------------------
Name: David G. Taylor
Title: Director
22
SIGNATURE
After reasonable inquiry and to the best of the undersigned's
knowledge and belief, the undersigned certifies that the information set forth
in this statement is true, complete and correct.
Dated: February 8, 2005 Lombard General Insurance Company of
Canada
By: /s/ David G. Taylor
-----------------------------
Name: David G. Taylor
Title: Director
23
EXHIBIT INDEX
EXHIBIT NO. DESCRIPTION
----------- -----------
1 Members of filing group.
2 Joint Filing Agreement dated as of February 9, 2005 among
V. Prem Watsa, 1109519 Ontario Limited, The Sixty Two
Investment Company Limited, 810679 Ontario Limited,
Fairfax Financial Holdings Limited, Clearwater Insurance
Company, Markel Insurance Company of Canada, Commonwealth
Insurance Company and Lombard General Insurance Company
of Canada.
24