Ontario Auto Insurance: Coverage, Choices, and Consequences
A practical compliance-focused course for RIBO licensees
Ontario auto insurance is one of the most complaint-driven and E&O-exposed areas of practice. This CE-accredited course is designed for RIBO brokers who want to strengthen regulatory compliance, documentation standards, and professional judgment in auto placements and policy changes.
The course provides a structured review of Ontario’s statutory framework, mandatory coverages, and FSRA oversight, then moves into high-risk advisory areas that commonly trigger complaints and negligence allegations. Topics include non-owned automobile exposures (OPF 2 and OPF 6), garage risks under OAP 4, care, custody and control limitations, accident benefits priority issues, restricted coverage situations, and change form management.
Particular emphasis is placed on informed consent, defensible documentation, broker conduct at claims time, and Fair Treatment of Customers expectations. The July 1, 2026 reforms are addressed with practical guidance on increased advisory responsibility and documentation standards.
RIBO Licensees Will Strengthen:
- Understanding of Ontario’s statutory auto insurance framework
- Application of the broker’s duty of care in placements and changes
- Documentation practices that reduce E&O exposure
- Identification of high-risk coverage gaps and misunderstanding scenarios
- Proper handling of restricted coverage and client instructions
- Appropriate conduct during claims, disputes, and complaint escalation
- Readiness for the 2026 regulatory reforms
