General

Professional Liability Adjusters Insurance - IMPORTANT NOTICE

Amendments to the Insurance Agents & Adjusters Regulation were passed into law April 11, 2001, making these minimum requirements mandatory for residents and non-residents.

Under Section 385(5.1) of The Insurance Act of Manitoba and Section 16 of the Insurance Agents & Adjusters Regulation state all licensed adjusters must at minimum, maintain professional liability insurance in the amount of $1,000,000 in respect of any one occurrence with an overall policy aggregate of at least $1,000,000.

The policy will also include such elements as; coverage amounts that are exclusive of defense and investigative expenses; coverage for the insured's supervisory activities, if applicable and any unlicensed employee for whose acts the insured is responsible;  and shall not be restricted to particular insurer's products.  The coverage will include an extended reporting for a period of 12 months, and will include extended coverage for errors or omissions that were made before the inception of the insurance, provided that the errors and omissions were made on or after July 1, 2001 and the insured had no knowledge of the claims before the inception of the insurance.

You will be required to provide proof satisfactory to the Insurance Council of the existence of this policy when you are renewing your licence. The adjusters licence applications, including renewal applications, shall also require that the adjuster attest to having errors and omissions insurance in force, which is in compliance with this section, and that he or she shall immediately cease acting as an adjuster if such insurance ceases to be in force.

Pursuant to Section 385(8.1) of The Insurance Act of Manitoba, no licensed insurance adjuster shall carry on the activities of an insurance adjuster while he or she is not insured under a policy of liability insurance that meets the requirements of 385(5.1).

In addition, Section 385(8.2) of The Insurance Act of Manitoba states, a licensed insurance adjuster whose liability insurance lapses, or is cancelled by the adjuster or the insurer, shall notify THE INSURANCE COUNCIL OF MANITOBA without delay.

Who Must Provide a Criminal Record Check?

Original Criminal record checks must accompany first applications for licensing that are received by Council. The requirement to provide verification of a criminal record applies to individuals seeking a general, life, A&S, or adjuster insurance licence, where: 

- the person has never held a licence with Council; OR
- the person has not held a general, life, A&S, or adjuster licence with Council within the past year; OR
- the person’s criminal history has changed since they last applied for a licence with Council.  

Individuals who are submitting renewal or transfer applications are not required to obtain criminal record checks unless, since the date of the last application, the individual has been convicted of a criminal offence, received a Conditional Discharge, or if the individual has been requested by Council to submit one.

How to apply for a criminal record check is outlined below. Regardless of where you reside (in Manitoba or outside of Manitoba), it can take some time to obtain this information so start the process early.

When completing your licence application, ensure you read the application instructions carefully, as you still have to disclose your criminal record and details on the application form.

Criminal Record Checks are only valid for six (6) months from the date of issue.

How to Apply for a Criminal Record Check

Important Note to Canadian residents:  Criminal record checks are not acceptable when issued through a third party provider. Checks must be completed directly through the applicant`s RCMP or municipal city police depending upon where the applicant resides.

Residents of Winnipeg: The Winnipeg Police Service is now offering residents of Winnipeg the ability to utilize an automated   online system for submitting Police Information Checks called ePIC. ePIC (the electronic Police Information Check online system) will allow applicants the convenience of applying online to submit their applications 24/7 from any location direct to the ICM. There is no paperwork required by applicants, and applicants can monitor the status of their application at any time through their own personal account.  Visit www.winnipeg.ca/police for more information.

Residents of rural Manitoba: Contact your local RCMP detachment in advance of your visit to determine the processing requirements, cost of the service, and hours the service is available in your jurisdiction.  

Residents of the United States: Residents of the United States are required to obtain two separate Criminal Record Checks from: 1) The Federal Bureau of Investigations (FBI); and 2) the applicants home State police department.  Note:  criminal record checks cannot be completed through a third party provider, therefore, they are only acceptable to ICM when they are completed directly through the FBI and your State police department.

If the search indicates a criminal record may or may not exist, Council requires an original criminal record "printout" also known as a "Certified Criminal Record Check" (this is different from an initial criminal record check). Fingerprints would be required by the agency to complete this process. 

Additional questions can be submitted via email to This email address is being protected from spambots. You need JavaScript enabled to view it..

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.

 

Education and/or Examination Information

To apply for a General Insurance Agent licence, you must complete one of the three four-page application forms and submit this form along with proof of completion of one of the below courses. If you are applying to write an examination, you are required to supply the Examination Registration Form along with the examination fee. (NOTE: the examination fee is $110.00 payable by cash, money order or company cheque only).  Incomplete Examination Registration Forms and/or Application Forms will be returned without review.

Education and/or Examination to obtain a Level 1 Auto Only Broker Licence
  • successfully completes the following:
  • the Auto Broker Technical Course through IBAM; and
  • the Manitoba Public Insurance proficiency examination.

Education and/or Examination to obtain a Level 1 General Agent Licence
  • successfully completes one of the following:
    • CAIB 1 through IBAM; or
    • Fundamentals of Insurance through IBAM;
    • Introduction to General Insurance through ILS; or
    • Council's Challenge Level 1 Examination.
      • consists of 100 multiple choice questions
      • 75% is the required pass mark
      • time allotment is 2 hours.

Education and/or Examination to obtain a Level 2 General Agent Licence
  • completes CAIB 1, Fundamentals of Insurance or currently holds a licence as a Level 1 General agent and successfully completes one of the following:
    • CAIB 2 and CAIB 3 through IBAM; or
    • Council's Challenge Level 2 Examination
      • consists of 100 multiple choice questions
      • 75% is the required pass mark
      • time allotment is 2 hours.

or

  • has any one of the following designations: C.I.P., A.I.I.C., F.C.I.P., F.I.I.C., C.A.I.B., C.I.B., and C.R.M. or another designation that the council considers equivalent.

Education and/or Examination to obtain a Level 3 General Agent Licence
  • has carried on business under the Level 2 licence for a period of at least two years and who
    • successfully completes one of the following:
      • CAIB 4 through IBAM; or
      • Council's Challenge Level 3 Examination
        • consists of 150 multiple choice questions
        • 75% is the required pass mark
        • time allotment is 3 hours.

or

  • Another designation that the council considers equivalent.

 

Where You'll Find Us

466-167 Lombard Avenue
Winnipeg, Manitoba
R3B 0T6
  • PHONE:
    (204) 988 6800
  • FAX:
    (204) 988 6801