Apply for an insurance adjuster licence from another province or territory

Labour mobility “as of right” recognition for individuals

Deemed certification

Under Ontario’s new “as of right” labour mobility rules, eligible out-of-province professionals can start working in Ontario as soon as FSRA confirms receipt of a complete “as of right” labour mobility application, including all required documents. Once confirmation is received, an applicant is deemed certified. That certification will allow the applicant to operate in Ontario for six months, pending the receipt of a full licence application. Entry through the “as of right” process is only allowed once.

The “as of right” deemed certification expires after six months. To continue conducting business in Ontario after the six-month period, please ensure that you submit a standard out-of-province licensing application as early as you are able to meet the application requirements. This will avoid a gap in your ability to conduct business.

Checklist: Are you ready to apply for deemed certification?

Before you start your application under the “as of right” labour mobility process, review this checklist of requirements.

You must:

• Complete the Ontario Auto Equivalency exam offered by the Insurance Institute of Ontario (scroll down to the bottom of the page) if you wish to adjust auto claims in Ontario. If you don't complete the Auto Equivalency exam, your licence will be issued with the restriction that you can't handle auto claims in Ontario.
• provide a letter from your regulator to verify that you have an equivalent licence in another province or territory. Learn more about equivalent licences
• be sponsored by a licensed adjusting firm in Ontario
• have an email address that FSRA can use to contact you
• attest to the following:
  • the licence issued by another province or territory for the regulated occupation is currently in good standing
  • no out-of-province regulatory authority has refused to certify you in the regulated occupation within the past two years
  • you are not currently subject to any professional misconduct, incompetence, or incapacity proceeding, or any similar proceeding, in respect of the regulated occupation
  • you have not had a finding of professional misconduct, incompetence, or incapacity made against you in relation to the regulated occupation.
  • you have not been found guilty of an offence

If you are unable to attest to any of the above, or meet the eligibility requirements, see how to apply using the standard process below.

Steps to apply for deemed certification

Once you meet all of the requirements above, you are ready to begin the application process.

1. You will be required to complete a criminal background check through FSRA’s approved vendor Triton Canada (Triton). More information can be found below in the standard application section.
2. have your sponsoring adjusting firm in Ontario complete the Sponsoring Company Form
3. complete the application form using the Online Services Portal
4. upload the following documents through the Online Services Portal:
   • a copy of your Triton invoice
   • Sponsoring Company Form
   • Ontario Auto Equivalency Exam results within the last year (if applicable)
   • Licensing documents from another province or territory

Please note you must wait for an email from FSRA confirming we have received a completed application from you before you are deemed certified. The email should arrive within 10 business days of submitting your application.

If your “as of right” application is refused, you may request a review or an appeal. Please follow the instructions provided in your correspondence, or email [email protected] for additional details.

Standard out-of-province application process for individuals

Insurance adjusters who have a Full Adjuster Licence from most Canadian provinces or territories, can apply for the same licence in Ontario without completing the education program required for new Ontario applicants. You would still need to complete Ontario’s auto insurance exam if you want to adjust auto claims.

The Financial Services Regulatory Authority of Ontario (FSRA) regulates and licenses all adjusters in Ontario.

Licence exception: If you are an adjuster working for an Ontario-licensed insurance company, you do not apply for a licence.

If you are an Ontario-licensed insurance adjuster and want to apply for a licence in a different province or territory, visit the Canadian Independent Adjusters' Association website to access links to the provincial requirements.

About the Ontario licence

Sponsorship with an adjusting company is required

As an Ontario adjuster, you will need to be sponsored by an Ontario-licensed adjusting company at all times.

• Your adjusting company is responsible for confirming you meet all licensing requirements, and for managing the application process for your licence.
• As the adjuster, you are responsible for maintaining your licence.

Fee for a new application

The fee to apply for a new adjuster licence is $75. This fee will cover your first year up to June 30. Then, you will need to renew it to keep your licence active.

Depending on the arrangement you have with your adjusting firm, they may pay the fee OR you may be responsible for paying this fee. Check with your adjusting firm for details.

What are the requirements to apply from another province or territory?

Education exemption

New adjusters in Ontario must complete an education program to quality for an Adjuster Licence.Insurance Adjusters who hold an equivalent Adjuster Licence in good standing from another province or territorymay be exempt from having to complete the Insurance Institute courses.There is an additional auto insurance exam that you need to take if you wish to adjust auto claims in Ontario.

If you have a Chartered Insurance Professional (CIP) designation in good standing, or the courses leading to a CIP designation, you can bypass the education requirement and apply for the full adjuster licence. As proof, you will need to provide:

• a screenshot of the CIP membership page showing the active status and expiry date
• transcript of the courses leading to CIP designation

Auto Equivalency exam required for applicants who want to adjust auto claims

Complete the Ontario Auto Equivalency exam offered by the Insurance Institute of Ontario ( if you wish to adjust auto claims in Ontario. If you don't complete the Auto Equivalency exam, your licence will be issued with the restriction that you can't handle auto claims in Ontario.

What is an equivalent licence?

If you are from one of the provinces or territories listed below and hold an equivalent licence, you are exempt from the Ontario education program. You will need to provide a letter from your regulator to verify that you have an equivalent licence in another province or territory. Submit this letter with your application and any other required documents.

Exceptions:

You will need to meet all other eligibility requirements in the checklist below to get an Ontario licence.

What if my current licence is inactive?

If you have an inactive licence in your home province or territory (e.g., you have either surrendered your licence or you have let it lapse), you may be able to apply for an Ontario licence without completing the education program. This will depend on how long your licence has been inactive.

Checklist for a new Out-of Province licence

Review this checklist to ensure you are ready to apply for a new licence in Ontario.

Education Requirements (if applicable):

1. If you have your Auto Exam from the Insurance Institute, and/or CIAA exam, you will be asked to upload a copy of the transcript

Requirements:

• verify that you have an equivalent licence in your home province or territory
• you will need to get a letter from your regulator
• be sponsored by an adjusting firm
• be legally entitled to work in Canada
• be 18 years of age or older
• confirm you are not licensed as an insurance agent
• be familiar with the laws of Ontario relating to the licensing of adjusters
• be suitable for a licence

If you have met all these requirements, you are ready to begin the application process.

Criminal Record check process

Criminal record checks are part of FSRA’s rigorous licence qualification process to protect consumers by ensuring only suitable individuals sell or offer financial products and services in Ontario.

You must complete a background check before you submit your FSRA application, using Triton’s website to complete the check. Once completed, you will need to provide a copy of your Triton receipt in your application to FSRA.

Please note that a fee of $19.15 applies for Triton’s service, and the background check is valid for 90 days.

If you have any further questions about the new background check process, please contact us.

Frequently asked questions – Background check process

Ready to apply for a new licence?

1. Select the appropriate application form using FSRA’s Online Services Portal
2. Fill out the application form.
   • You will need to verify your suitability to have a licence by confirming:
     • you are a person of good character and reputation
     • you meet all licensing requirements and are a suitable person to receive a licence as an adjuster
     • you have provided information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies or other employment information
     • you will comply with Ontario’s laws and the requirements of the adjuster’s licence
3. Complete and upload a copy of your background check through Triton.
4. Upload any relevant documentation.
5. Enter your sponsoring adjusting firm's email address and submit the form.
6. Once submitted, the sponsoring company will review and process the payment through the Online Services Portal using most major credit cards or select debit cards accepted by the portal.

What happens after your reinstatement application is submitted:

FSRA will send you an email to confirm it has received your application.

Note: out-of-province applications often do require additional reviews.