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Independent Insurance Adjuster Licensing Procedures

An applicant applying for a licence must take and pass, with a mark of not less than 75%, a written examination as set by the Council. Any person holding an adjuster's licence is required to comply with the Insurance Act of Manitoba, the Insurance Adjuster's Licensing Rules, the Regulations and the Adjuster's Code of Conduct.

Applicants applying for a Level 1, Level 2, Level 3 or Level 4 licence must be in the employ of an adjusting firm. Applicants whereby an examination is required can contact the Council's office at (204) 988-6800 to arrange a date and time. The Examination Registration Form, copy of government issued photo ID and examination fee MUST be received by this office prior to scheduling an examination.

Applicants applying for a Level 5 Firm licence must demonstrate eligibility as outlined in Sections 5(1) and 5(2) of the Insurance Adjusters Licensing Rules.

The following defines the restrictions and/or authorizations and requirements to obtain and maintain each level of licence.

Level 1 Assistant Adjuster

Must successfully complete one of the following:

- Pass a written examination set by Council (pass mark 75%), or
- Pass the ILS Level 1 General and Adjuster Insurance Licence Program (ILS L1).

Must upgrade to Level 2 within 18 months from the original issue date of the Level 1 licence.
Prohibited from signing any reports or correspondence unless countersigned by the holder of a Level 4 licence.

Level 2 Assistant Adjuster

Must successfully complete one of the following Insurance Institute of Canada courses:

- C11 - Principles & Practice of Insurance, or
- Two General Insurance Essentials courses (G.I.E.)

Must upgrade to a Level 3 within three years from the original issue date of the Level 2 licence.
Prohibited from signing any reports or correspondence unless countersigned by the holder of a Level 4 licence.


Level 3 Adjuster

Must be employed as an insurance adjuster in a general insurance company or an adjusting firm for not less than two years and successfully complete all of the following Insurance Institute of Canada courses:

- C11 - Principles and Practice,
- C12 - Insurance on Property Part I,
- C17 - Claims I or C110 Essentials on Loss Adjusting,
- Any one of: C13 - Insurance Against Liability-Part 1, C14 - Automotive Insurance-Part 1, 
  C111 - Advanced Loss Adjusting, or C112 - Practical Issues in Claims Management.

Is prohibited from acting as the supervising manager for an adjusting firm.

Level 4 Independent Adjuster

Has been employed as an insurance adjuster in a general insurance company or an adjusting firm for not less than five (5) years; is sponsored by an adjusting firm; and has successfully completed the following eight (8) Insurance Institute of Canada courses:

- C11 - Principles and Practice,
- C12 - Insurance on Property,
- C13 - Insurance Against Liability,
- C14 - Personal Automobile
- C17 - Claims I, or C110 - Essentials of Loss Adjusting, Insurance,
- C111 - Advanced Loss Adjuster,
- C112 - Practical Issues in Claims Management,
- C16 - The Business of Insurance, and

Is authorized to act as the supervising manager for an adjusting firm.

Level 5 Firm Licence

- Has attained their Chartered Insurance Professional (CIP) designation through the Insurance Institute
  of Canada; is authorized to manage the office of an adjusting firm; holds a Level 4 insurance adjuster's
  licence.

- Must employ a Level 4 to provide on-site supervision or provide on-site supervision themselves.

- Provides evidence of incorporation and/or registration with the Manitoba Companies Office; operates in an
  office separate from any financial institution or insurance company, and holds himself out publicly as the
  office of an adjusting firm, and in addition has met the requirements of
Section 5(2) of the Insurance Adjusters Licensing  Rules.

NOTE: The Adjusters Council requires that an applicant who has not previously been licensed both write the exam and have taken the required education. An applicant must take the examination that is appropriate to his or her education level. E.g. ICM would require an applicant who has obtained the pre-requisite education for a level 2 to write and pass the level 2 examination with the ICM office.

Additional Licensing Information

Pursuant to Section 371(2) of the Insurance Act of Manitoba, the completion of an application and passing of a written examination does not guarantee the issue of a licence. Each applicant must first be found suitable to hold a licence.

Manitoba's licensing year for independent insurance adjusters runs from July 1 to June 30, and licence fees are not prorated.

Adjusters must accumulate eight (8) hours of continuing education annually between July 1 and June 30.