An order that is made regarding a licence holder reflects a situation at a particular point in time. The status of a licence holder can change. Readers should check the current status of a person’s or entity’s licence on the Licensing Link section of FSCO’s website. Readers may also wish to contact the person or entity directly to get additional information or clarification about the events that resulted in the order.


Superintendent of
Ontario Coat of Arms
Surintendant des

REGARDING the Insurance Act, R.S.O. 1990, c. I.8, as amended (the “Act”), in particular sections 441.1, 441.2 and 441.3




On July 25, 2014, the Superintendent of Financial Services (“Superintendent”) issued a Notice of Proposal to impose an administrative monetary penalty in the amount of $1,000 on Ms. Mandeep Kaur.

The Superintendent had determined that Ms. Kaur contravened or did not comply with a requirement under the Act, namely the requirement to give the Superintendent information about activities related to the business of a person who holds or held a license under this Act pursuant to Section 442.3(1)4 of the Act.

Ms. Kaur did not request a hearing.  

Section 441.3(7) the Act provides that the Superintendent may carry out the proposal to impose an administrative monetary penalty when no hearing has been requested.


An administrative monetary penalty of $1,000 is imposed on Ms. Mandeep Kaur.

TAKE NOTICE THAT Mandeep Kaur will be receiving shortly an invoice from Ontario Shared Services, a part of the Ministry of Government and Consumer Services, with information as to where and how to make the payment. Ms. Kaur must pay the administrative penalty no later than 30 days after the date of the invoice.

If Ms. Kaur fails to pay the administrative penalty in accordance with the terms of this Order, the Superintendent may file the Order with the Superior Court of Justice and the order may be enforced as if it were an order of the court. An administrative penalty that is not paid in accordance with the terms of an order imposing the penalty is a debt due to the Crown and is enforceable as such.

DATED at Toronto, Ontario, Sept. 26, 2014.

Original signed by “Philip Howell”

Philip Howell
Superintendent of Financial Services

© Queen's Printer for Ontario, 2014