Consumers
Are you a member of the public looking for information? Do you have a concern about your insurance, or a complaint about an insurance licence holder?
Consumer Information
Persons engaged in insurance activity defined as an agent or adjuster must first become licensed through the Insurance Council of Manitoba. The Council investigates complaints concerning the conduct of licence holders to determine if they have breached the standards governing proper practice of insurance professionals. If it is determined a violation has occurred, the Council may discipline the licensee by suspending or cancelling a licence, attaching conditions to a licence, or imposing a fine and/or the costs of an investigation. Disciplinary action may also be imposed on former licensees, and the Council may take civil action to address certain unlicensed insurance activity.
June 28 marks National Insurance Awareness Day (NIAD) – an opportunity for Canadians to better understand their insurance coverage and the important role licensed insurance professionals play in supporting informed decisions.
Led by the Canadian Insurance Services Regulatory Organizations (CISRO), this annual initiative promotes awareness, education, and confidence in the insurance system.
This Year’s Focus: Expertise and Accountability
NIAD 2026 highlights the role and obligations of licensed insurance professionals and the trusted guidance they provide to help consumers navigate insurance complexity.
Working with a licensed professional helps ensure consumers:
• Receive advice grounded in regulatory standards
• Understand their coverage and options
• Make informed decisions to protect what matters most
Why It Matters
Insurance can be complex, and life circumstances can change quickly. Licensed professionals play a key role in helping consumers understand their coverage and make confident, informed choices.
For Licensed Insurance Professionals
We encourage you to:
• Connect with clients to review their coverage
• Provide clear, transparent guidance
• Share NIAD resources within your networks
CISRO materials – including infographics and social media visuals – are available on their website.
For Consumers
Take this opportunity to reflect:
• Have your circumstances changed?
• Do you understand your coverage?
• When did you last review your policy?
A licensed insurance professional can help ensure your coverage aligns with your needs.
Join the Conversation
The Insurance Council of Manitoba is proud to support NIAD and encourages stakeholders to raise awareness across the province. Use #NIAD26 to join the national conversation. Together, we can help ensure Manitobans are informed, supported, and protected.
Trust Matters: How to Verify Insurance Licences in Manitoba
Confidence comes from trust that’s verified – working with licensed insurance professionals leads to informed decisions and trusted outcomes.
Verify Licences and Agencies
Information you can obtain includes:
- Whether or not an individual is licensed
- The type of insurance a licensed person is authorized to conduct
- If there are any conditions on a licence
- If supervision is required
Discover our Informational Hubs
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Resource Information
Working with Your Agent
Working with Your Insurance Adjuster
Additional Resources
Financial Institutions Regulation Branch
The Financial Institutions Regulation Branch (“FIRB”) regulates financial institutions and cooperatives in Manitoba. Financial institutions are credit unions, caisses populaires, insurance companies, and trust and loan companies.
Manitoba Public Insurance
Manitoba Public Insurance (“MPI”) is a Crown corporation that delivers insurance, registration and licensing services to Manitoba drivers. MPI provides basic compulsory, universally available auto insurance coverage to Manitobans. MPI is governed by the Manitoba Public Insurance Corporations Act and administers The Drivers and Vehicles Act, and The Highway Traffic Act.
If the Insurance Council of Manitoba (“ICM”) receives a complaint against Manitoba Public Insurance (“MPI”), the consumer should take the following steps:
- Speak with their MPI Case Manager/Adjuster
- Contact MPI – Fair Practices and Customer Relations, (204) 985-8117
- If the Fair Practices office is unable to provide assistance, contact the Manitoba Ombudsman at 750-500 Portage Avenue, Winnipeg, MB R3C 3X1 , (204) 982-9130, www.ombudsman.mb.ca
General Insurance OmbudService
The General Insurance OmbudService (“GIO”) is an independent organization, created in 2002, with the sole purpose of helping Canadian consumers resolve disputes or concerns with their home, auto or business insurers.
OmbudService for Life and Health Insurance
The OmbudService for Life and Health Insurance (“OLHI”) is a free, independent and impartial dispute resolution public service for Canadian life and health insurance consumers. OLHI’s bilingual public service is free and available to any consumer whose health or life insurance company is an OLHI member. Consumers may contact OLHI at any time for general information about how to make a complaint with their insurance company or to ask OLHI to review a complaint.
Canadian Insurance Services Regulatory Organizations
The Canadian Council of Insurance Regulators (“CCIR”) and the Canadian Insurance Services Regulatory Organizations (“CISRO”) have jointly developed a guidance on the Fair Treatment of customers. Although the insurer is the ultimate risk carrier, licensed agents are often the first to enter in contact with customers through their distribution firm. Fair treatment of customers encompasses concepts such as ethical behavior, acting in good faith and the prohibition of abusive practices. To read the guidance, please click here.
Canadian Investment Regulatory Organization
Canadian Investment Regulatory Organization (“CIRO”) is the national self-regulatory organization that oversees all investment dealers, mutual fund dealers and trading activity on Canada’s debt and equity marketplaces. All registered representatives are subject to high proficiency standards, training, and supervision by member firms.
Codes of Conduct