Letter of Authority
In order to obtain a license, applicants must meet the following requirements:
- Complete an Insurance Adjuster application, provide applicable supporting documents and pay the required fee.
- Be familiar with the laws of Ontario relating to the licensing of adjusters.
- Be sponsored by an adjusting company, adjusting partnership or fully licensed adjuster.
Within 30 months of holding the letter of authority the following four IIC courses must be completed successfully:
- C11 (Principles and Practices of Insurance) or both C-81 and C-82 (GIE)
- C12 (Insurance on Property)
- C14 (Automobile Insurance — Part 1)
- C110 (Essentials of Loss Adjusting)
Probationary Adjusters License
Within 30 months of receiving a Probationary Adjuster’s License, the following four IIC courses must be completed successfully:
- C13 (Insurance Against Liability)
- C32 (Bodily Injury Claims)
- C111 (Advanced Loss Adjusting)
- C112 (Practical Issues in Claims Management)
Restrictions for Letter of Authority and Probationary Adjuster:
- sign any report or communication addressed to an insurer
- sign any other correspondence without permission of the employer
- negotiate the settlement of any bodily injury claim
- authorize repairs to property or agree to accept any bill regarding a claim without the consent of the employer.
Full Adjusters License
- Must have successfully completed the 8 IIC courses outlined under Letter of Authority and Probationary Adjuster’s License.
- Must register and pay the required fee through CIAA no later than six weeks in advance of the desired examination date.
- Must successfully pass a computer based exam with a mark of 70% or higher in Automobile, Liability, Property.
- Must be employed full time by an independent adjusting firm.
- Individuals may attempt the computer based examination without taking the required courses if they have a Chartered Insurance Professional (CIP) designation or a Fellow Chartered Insurance Professional (FCIP) designation.
- Individuals who are unsuccessful in attaining all three lines (Auto, Liability, Property) in the computer based exam will be eligible to appear before a Qualification Panel to complete an oral exam specific to the line(s) required.
- The computer based exam format is multiple choice, short answer and one scenario question.
- The material covered in the CBE mirrors the material that was covered in the “oral” exam.
- Candidates are expected to demonstrate a broad overall understanding of certain elements of claims adjudication and demonstrate the ability to identify different exposures and have a basic understanding of the important elements of each type of claim.
- The examination will test ability in correctly identifying and interpreting the provisions of the insurance contract, the auto policy, property and general liability insurance protection.
- Appeal requests to be directed to CIAA National Office along with the required fee.
- The results may take two to three weeks from the day of the exam. Candidates will receive an automatically generated e-mail advising them they can log in to the IIC system to pick up their grades.