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Canadian Insurance Regulatory Frameworks - Jurisdictional Overview


Alberta

All entities wishing to conduct insurance business must be licensed with the Superintendent of Insurance.

Insurance agents, brokers, and independent adjusters wishing to conduct insurance business must be licensed with the Alberta Insurance Council.

For more information, please:
  • Visit the Insurance Information for Insurers webpage.
  • Visit the Alberta Insurance Council; contact: licensing@abcouncil.ab.ca

British Columbia

All entities wishing to conduct insurance activities as an underwriter (insurer) must be registered with the British Columbia Financial Services Authority (BCFSA).

All entities and individuals wishing to conduct insurance business must be licensed with the Insurance Council of British Columbia (ICoBC), and must adhere to the ICoBC Rules and Code of Conduct.

For additional information please refer to the following:
  • The BCFSA website
  • The ICoBC website

Manitoba

Insurers wishing to conduct insurance business in Manitoba must be licensed with the Financial Institutions Regulation Branch (FIRB).

Insurance agents, brokers and adjusters must be licensed by the Insurance Council of Manitoba (ICM).

For more information, please visit:
  • The FIRB website
  • The ICM website

New Brunswick

Entities and individuals wishing to conduct insurance business in New Brunswick must be licensed with the Financial and Consumer Services Commission (FCNB).

For more information on how to apply for a licence, please visit:
  • The FCNB website

Newfoundland and Labrador

In order to conduct insurance business in Newfoundland and Labrador, entities and individuals must be licensed with ServiceNL.

For more information on how to apply for a licence, please visit:
  • The ServiceNL website

Northwest Territories

All entities and individuals wishing to conduct insurance business in the Northwest Territories must be licensed by the Superintendent of Insurance.

For more information on how to obtain a licence, please:
  • Contact the Department of Finance at 867-767-9171 Ext 15252 or at superintendent_insurance@gov.nt.ca

Nova Scotia

All entities and individuals wishing to conduct insurance business in Nova Scotia must be licensed with the Office of the Superintendent of Insurance.

For more information on how to obtain a licence, please:
  • Visit the Nova Scotia Department of Finance and Treasury Board Office of the Superintendent webpage; or
  • Licensing webpage

Nunavut

Insurers, agents, adjusters, brokers, salespeople, and travel agents must be licensed by Nunavut’s Superintendent of Insurance.

For more information on how to obtain a licence, please:
  • Visit the Government of Nunavut Finance website; or
  • Contact Insurance@gov.nu.ca

Ontario

All entities or individuals wishing to conduct insurance business in Ontario as an insurance company, insurance agent or a corporate insurance agency must be licensed with the Financial Services Regulatory Authority of Ontario (FSRA).

Entities or individuals wishing to conduct insurance business as a general insurance broker or brokerage must be licensed with the Registered Insurance Brokers of Ontario (RIBO).

For more information on how to obtain a licence, please visit:
  • The FSRA website or contact: licensingapprovals@fsrao.ca
  • The RIBO website or contact: registration@ribo.com

Prince Edward Island

All entities or individuals wishing to conduct insurance business in Prince Edward Island must be licensed by the Office of the Superintendent of Insurance, Department of Justice and Public Safety.

For more information on how to obtain a licence, please:
  • Visit the Prince Edward Island website

Quebec

The Autorité des marchés financiers (AMF) supervises and controls insurance business in Québec. The AMF’s authorization is required for any enterprise that carries on insurer activities in Québec.

In order to offer financial products and services in Québec, individuals must hold a right to practice issued by the AMF.

The Chambre de l’assurance de dommages (ChAD) is the self-regulatory organization (SRO) responsible for overseeing and enforcing the ethical conduct and compulsory professional development of licensed damage insurance professionals (agents, brokers and claims adjusters).

The Chambre de la sécurité financière (CSF) is the body responsible for overseeing the ethical conduct and compulsory professional development of financial security advisors, group insurance and group annuity plan advisors, mutual fund dealer representatives and scholarship plan dealer representatives. The CSF is also responsible for overseeing the ethical conduct of financial planners. The CSF provides preventive oversight and enforces discipline on individuals in these fields.

For more information:
• Contact fintech@lautorite.qc.ca or visit the AMF's website
• Visit the ChAD website
• Visit the CSF website

Saskatchewan

All entities and individuals wishing to conduct insurance business in Saskatchewan must obtain a licence. Insurers are licensed by the Superintendent of Insurance, through the Financial and Consumer Affairs Authority of Saskatchewan.

Intermediaries must be licensed with the Insurance Councils of Saskatchewan.

For more information please:
  • Visit the Financial and Consumer Affairs Authority of Saskatchewan Insurance Companies webpage

Yukon

All businesses and individuals who solicit, sell, or carry on the business of insurance in the Yukon must be licensed by the Yukon’s Office of the Superintendent of Insurance. This includes insurers, insurance agencies, agents, salespeople; adjusters/claims representatives, and travel insurance agents.

Insurance brokers, claims examiners, and claims representatives must be licensed as insurance agents in the territory.

Independent adjusting firms and brokerages are not required to hold a licence.

For more information on how to obtain a licence

visit Yukon.ca
call (867) 667-5111
email insurance.plra@yukon.ca

HARMONIZED FORMS


CCIR developed a standardized Application for Insurer's Licence form. The form is used by insurers seeking incorporation and/or a licence to undertake the business of insurance in a Canadian jurisdiction. Click here for a link to the Insurers Application.

Similarly, insurance agents or brokers currently licensed in a Canadian jurisdiction and applying for a non-resident licence in another Canadian jurisdiction (except the Yukon and Alberta) can use the application forms that have been jointly developed by CCIR and CISRO. Click here for a link to the Agent & Broker Applications.



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