How to Become an Independent or Public Adjuster

Insurance adjusters investigate insurance claims and determine the amount of loss or damages covered by property and casualty insurance policies. Insurance adjusters work in the claims departments of insurance companies or as public or independent adjusters. Insurance company adjusters represent insurers; public adjusters represent policyholders; and independent adjusters work for insurers or policyholders.


Requirements for Obtaining an Individual Licence to Act as an Insurance Adjuster under the Insurance Act.

In order to obtain a licence, an applicant must meet the following requirements:


  1. Complete an Insurance Adjuster application, provide applicable supporting documents and pay the required fee of $75.
  2. Be familiar with the laws of Ontario relating to the licensing of adjusters.
  3. Be sponsored by an adjusting company, adjusting parntership or fully licensed adjuster.
  4. Hold himself/herself out publicly and carry on business in good faith as an adjuster only in the name in which the adjuster is licensed.
  5. Not be engaged in any other business or occupation that would jeopardize the person's integrity, independence or competence.
  6. Not be a licensed insurance agent or broker.
  7. Be a person of good character and reputation.
  8. Be a suitable person and meet all the licensing requirements.

Initially, the applicant will be granted a Letter of Authority. The applicant must successfully complete four Insurance Institute of Canada (IIC) courses after obtaining the Letter of Authority to receive a Probationary Adjusters Licence.

These courses are:  

C11 - Principles and Practice of Insurance
C12 - Insurance on Property
C14 - Automobile Insurance – Part 1
C110 - Essentials of Loss Adjusting


Individuals must successfully complete an additional four IIC courses within 30 months of obtaining a Probationary Adjusters Licence.

These courses are:

C13 - Insurance Against Liability – Part 1
C32 - Bodily Injury Claims
C111 - Advanced Loss Adjusting
C112 - Practical Issues in Claims Management


Successful candidates will be eligible to appear before the Qualifications Board to complete an oral exam. Candidates who successfully pass their oral exam must forward the results to FSCO. FSCO will issue a full Adjusters Licence based on a review of the exam results.  

For more information on education, contact:


The Insurance Institute of Canada [New Window]
18 King Street East, 6th Floor
Toronto, ON M5C 1C4
Telephone:(416) 362-8586
Toll-Free: (866) 362-8585


Additional information can also be obtained from The Canadian Independent Adjusters' Association [New Window].




Sponsoring adjusting companies, adjusting partnerships or fully licensed adjusters are responsible for investigating the record of the applicant and confirming the following:


  1. That the applicant is a person of good character and reputation.
  2. That the applicant possesses an educational background that is appropriate to the responsibilities of an adjuster of the sponsoring company.
  3. That the applicant meets all licensing requirements and is a suitable person to receive a licence as an adjuster as appropriate.
  4. The sponsor has established and maintains a system to ensure that each adjuster complies with the Ontario legal requirements and the requirements of the adjuster's licence.  

Residents outside Ontario

If the applicant resides and is licensed as an adjuster in another jurisdiction, he or she may qualify for a licence in Ontario. The applicant should contact FSCO to determine the appropriate Ontario equivalency requirements.



FSCO does not charge a fee for changes in licence level as the adjuster successfully completes courses and the oral exam. Every adjuster licence expires on the 30th day of June. Adjusters must renew their licence within 60 days prior to the expiry date on their licence. The fee for renewal is $75. 


Please note: Individuals may attempt the oral examination before the Qualifications Board without taking the required courses if they have a Chartered Insurance Professional (CIP) designation.


Deposit of a cheque or money order does not automatically mean that the individual is licensed. Following good management practices, all cheques are deposited upon receipt. The effective date of an individual's licence is listed on the FSCO website. A $35.00 fee will be charged for cheques returned for non-sufficient funds.


Individuals employed by an insurer and working as adjusters do not need a licence.


Additional information