Apply for a new insurance adjuster licence | Financial Services Regulatory Authority of Ontario

if you want to be a public or independent insurance adjuster in ontario, you must apply for a license with the ontario financial services regulatory authority (fsra). If you are an adjuster employed by a licensed insurance company, you do not need your own adjuster’s license.

about the license

types of adjusters

Insurance adjusters investigate insurance claims and determine the amount of covered loss or damage. there are three types of adjusters:

Reading: How do i get my insurance adjuster license

  1. Insurance company adjusters work in the claims departments of insurance companies and represent insurers.
  2. public adjusters represent policyholders.
  3. independent adjusters represent insurers or policyholders.
  4. Public adjusters and independent adjusters must be licensed by fsra. insurance company adjusters do not need a license.

    sponsorship with an appraisal company is required

    As an adjuster, you must be sponsored by an adjusting company at all times.

    • Your appraisal company is responsible for confirming that you meet all licensing requirements and managing your license application process.
    • As an adjuster, you are responsible for maintaining your license, such as completing the educational program.
    • fee for a new request

      The fee to apply for a new adjuster license is $75. this fee will cover your first year through June 30. then you will need to renew it to keep your license active.

      Depending on the agreement you have with your appraisal company, they may pay the fee or you may be responsible for paying this fee. check with your tuning company for details.

      three license phases

      There is a three-step process to obtain an appraiser’s license in Ontario.

      To graduate in each phase, you will need to complete the required courses offered by the insurance institute. go to the new adjuster education program for more details on the courses.

      phase

      requirement

      restrictions

      1. authorization letter

      You must successfully meet all requirements for a new license.

      you can’t:

      • sign any report or communication addressed to an insurer
      • sign any other correspondence without the permission of your adjustment company.
      • negotiate the resolution of any bodily injury claim
      • authorize repairs to the property, or accept any bill related to a claim without the consent of your adjusting company
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        2. trial license

        You must complete the first four insurance institute courses.

        Go to the New Adjuster Education Program for more details.

        3. full adjuster license

        must:

        • complete the next four insurance institute courses
        • pass the Canadian Association of Independent Adjusters (CIAA) exam
        • Go to the New Adjuster Education Program for more details.

          none

          exemptions:

          • if you have a chartered insurance professional (cip) designation or a chartered insurance professional (fcip) designation in good standing, you can skip the courses and write the ciaa exam. As proof, you will need to provide:
            • A screenshot of the cip or fcip membership page showing active status and expiration date; or
            • an official letter from the insurance institute dated within the last 12 months with the expiration date of the cip or fcip designation
            • if you have already completed any of the education program requirements, you can skip the letter of authority and move on to the probationary license or full adjuster license.
            • what are the requirements for a new license?

              turn in your insurance agent license

              If you have a license to sell insurance, you will need to submit it before you can apply for an adjuster’s license. review giving up my insurance license for more details

              If you have an insurance broker license, go to Ontario Registered Insurance Brokers (RIB) to cancel your license.

              checklist for a new license

              Review this checklist to make sure you’re ready to apply for a new license.

              requirements:

              • be sponsored by an appraisal company.
              • Have the legal right to work in Canada.
              • be 18 years of age or older.
              • Please confirm that you are not licensed as an insurance agent or broker.
              • be familiar with Ontario laws relating to appraisers.
              • Once you have met all of these requirements, you will need to begin the application process.

                ready to apply for a new license?

                1. download the insurance adjuster app.

                • right-click the link and choose save link as to download the pdf to your computer or disk.
                • 2. fill out the application electronically.

                  • select the letter of authorization as the type of license.
                    • If you have already completed any of the educational program requirements, you may select either the Trial License or the Full Adjuster License. You will need to include documentation as part of your application.
                    • You will need to verify your suitability for a license by confirming:
                      • You are a person of good character and reputation.
                      • meets all licensing requirements and is a suitable person to be licensed as an adjuster.
                      • has provided information about bankruptcies, lawsuits, criminal records, decisions by other regulators or licensing agencies, or other employment information.
                      • will comply with Ontario law and adjuster license requirements.
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                        3. ask your adjusting company to fill out part d (appointment notice).

                        4. your adjustment company can submit the completed form through the online service portal.

                        • if you need to pay the fee, you can do so through the online services portal by credit card (visa, mastercard) or select debit cards (rbc, td, first nations bank of canada, the most credit unions).
                        • what happens after the request is sent:

                          The review should take 10 business days. If your application is approved, your adjusting company will receive a copy of your license. you’ll have to ask them to give you a copy.

                          education program for new adjusters

                          To pass the next two phases of your license, you will need to complete an educational program, which includes the following:

                          trial license

                          • complete the first four insurance institute courses
                          • full adjuster license

                            • complete the next four insurance institute courses
                            • pass the Canadian Association of Independent Adjusters (CIAA) exam
                            • trial license

                              1. complete the following four courses:

                              • c11 – insurance principles and practice
                              • c12 – property insurance
                              • c14 – car insurance – part 1
                              • c110 – loss adjustment basics
                              • To review course descriptions, fees, and registration details, go to the insurance institute.

                                2. Request your trial license:

                                • when you have completed the first four courses, inform your fitting company.
                                • Your adjusting company will need to email fsra ([email protected]) to request the update.
                                • fsra will send the updated license to your tuning company.
                                • You can obtain a copy of the license from your appraisal company.
                                • full adjuster license:

                                  1. complete the following four courses and the four courses described above:

                                  • c13 – liability insurance – part 1
                                  • c32 – bodily injury claims
                                  • c111 – advanced loss adjustment
                                  • c112 – practical issues in claims management
                                  • To review course descriptions, fees, and registration details, go to the insurance institute.

                                    2. pass the canadian association of independent adjusters (ciaa) exam

                                    When you complete all eight insurance institute courses, you will be eligible to complete an online exam through the ciaa. You will need to score 70% or higher to obtain a full adjuster’s license.

                                    For more information about the exam, fees, and registration details, visit ciaa.

                                    3. apply for your full adjuster license:

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                                    • the ciaa sends the test score directly to the fsra.
                                    • Your appraisal company must still request the official update.
                                      • Inform your adjusting company that you have passed the exam with a score of at least 70%.
                                      • Your adjustment company should email the update request to [email protected].
                                      • fsra will send the updated license to your tuning company.
                                      • You can obtain a copy of the license from your appraisal company.