FSCO licenses and regulates insurers that sell property & casualty (P & C) insurance in the province of Ontario to ensure they comply with the law.

P & C insurance includes the following kinds of insurance coverage: automobile, aircraft, boiler and machinery, credit, fidelity, hail, legal expense, liability, marine, mortgage, property, surety and title insurance.

P & C insurance is sold by brokers, agents or directly by insurance companies. Brokers generally sell insurance for more than one company and can provide you with price quotations from the companies that they represent. Agents sell insurance for only one company or a group of related companies.

You can search our agent database to ensure that you are conducting business with a licensed professional insurance agent. Information on registered brokers is available by visiting the website for the Registered Insurance Brokers of Ontario (RIBO).

The important thing is to ensure you have the insurance policy that will provide adequate coverage that suits your needs. Also, remember to shop around by obtaining quotations from more than one insurer. Be informed and compare rates in order to get the competitive price for the coverage that suits your needs.

If you have an insurance claim, you can ensure you are dealing with a licensed adjuster or a paralegal who has met the filing requirements by selecting the link below.

Consumer Information

• Licensed Insurance Companies in Ontario
• Licensing Link: Search for Agents Licensed in Ontario
• Search for Individual or Corporate Adjusters
• What to do if You Have an Insurance Complaint
• Paralegals/SABS Representatives
  

Consumer Brochures

• Ways to Reduce Your Homeowners Insurance Premium (PDF)
• Take Inventory of Your Home (PDF)
• Beware of Exclusions: What Your Homeowners Insurance Policy Doesn't Cover (PDF)
• Insurance Coverage Issues Affecting Older Home
  (PDF)

Company Information

• National expansion of complaint reporting system (SRP-CRS)
• Questionnaire about Credit-based Insurance Scoring by Property and Casualty Insurers
• Commercial Liability Statistical Plan Manual (PDF)
• Prudent Portfolio Investment Rules
• Annual Returns & Instructions
• Property and Casualty Bulletins
• Company Complaint Collection and Reporting Requirements