Insurance adjusters who have an inactive licence can apply to reinstate their licence with the Financial Services Regulatory Authority of Ontario (FSRA).
About licence reinstatements
If your licence lapsed, was terminated or you previously surrendered it, you can apply to have your licence reinstated. You cannot perform any adjuster duties until the reinstatement is approved.
When is the inactive date?
The inactive date starts from whichever date comes first:
- Expiry date – you did not renew your previous licence when it expired on June 30.
- Surrender date – when FSRA approved your surrender application. See Surrender my insurance adjuster licence for details.
- Termination date – the adjusting company terminates your licence.
If you are unsure when your inactive date is, contact FSRA ([email protected]).
Fee for reinstating a licence
The fee to reinstate your adjuster licence is $75. This fee will cover the next year up to June 30, after which you will have to renew your licence again.
Depending on the arrangement you have with your adjusting firm, they may pay the fee OR you may be responsible for paying this fee. Check with your adjusting firm for details.
Full Adjuster Licence
If you have a Full Adjuster Licence, the process you must follow depends on how long it has been inactive.
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If the inactive date was less than two years ago |
You can reinstate your licence as if it was still active.
For example, you do not need to take the Insurance Institute courses again or rewrite the Canadian Independent Adjusters’ Association (CIAA) exam.
Review all requirements and instructions below. |
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If the inactive date was more than two years ago |
You will need to requalify for the Full Adjuster Licence.
For example, you will need to take the Insurance Institute courses again and rewrite the CIAA exam. You will also need to complete a new criminal record check.
In the meantime, you can reinstate your licence at the Probationary Licence level.
Review all requirements and instructions on applying for an insurance adjuster licence. |
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If the inactive date was more than two years ago AND you have the following designations in good standing:
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You can reinstate your licence at the Probationary Licence level.
You do not need to take the Insurance Institute courses again, but you will need to retake the CIAA exam. You will also need to complete a new criminal record check.
Review all requirements and instructions below. |
About the CIAA exam
You may need to retake the CIAA exam to reinstate your licence at the Full Adjuster Licence level. You will need to score 70% or higher to get a full adjuster licence. For more information about the exam, fees and registration details, see CIAA's website for more information.
Request your Full Adjuster Licence:
- The CIAA sends the exam mark directly to FSRA.
- Your adjusting firm will still need to request the official upgrade
- Inform your adjusting firm that you have passed the exam with a grade of at least 70%.
- Your adjusting firm should email the upgrade request to [email protected].
- FSRA will send the updated licence to your adjusting firm for their review.
- You can get a copy of the licence from your adjusting firm.
Letter of Authority or Probationary Licence (if the inactive date was less than two years ago)
If you have a Letter of Authority or a Probationary Licence where the inactive date was less than two years ago, you can apply to reinstate your licence using the same process as if it was still active. Review all requirements and instructions below.
Letter of Authority or Probationary Licence (if the inactive date was more than two years ago)
If you have a Letter of Authority or a Probationary Licence where the inactive date was more than years ago, you will need to meet many of the requirements from when you first applied for a licence.
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Letter of Authority |
You can reinstate your licence at the Letter of Authority licence level. Review all requirements and fees on applying for a new insurance adjuster licence. |
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Probationary |
You can reinstate your licence at the Probationary Licence level.
You do not need to take the Insurance Institute courses again, but you will need to complete a new criminal record check.
Review all requirements and instructions below. |
Before you submit your reinstatement application
You will have to reconfirm your suitability to hold an adjuster licence and you will need to meet many of the requirements from when you first applied for a licence.
Requirements include:
- Be sponsored by an adjusting firm.
- Be legally entitled to work in Canada.
- Be 18 years of age or older.
- Confirm you are not licensed as an insurance agent or broker.
- Be familiar with the laws of Ontario relating to adjusters.
You will also need to share any new information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies and other employment information.
New Criminal Record check process
FSRA is changing its licensing processes for background criminal checks to ensure the processes remain up to date. Criminal record checks are part of FSRA’s rigorous licence qualification process to protect consumers by ensuring only suitable individuals sell or offer financial products and services in Ontario.
FSRA now requires licence applicants to complete their criminal record checks through our approved vendor, Triton Canada (Triton). If your licence was inactive for more than two years, you will be required to complete a background check before you submit your application. You can use Triton’s website to complete the background check. Once completed, you will need to provide a copy of your Triton receipt in your application to FSRA.
If your licence was inactive for less than two years, but you have disclosed information about a criminal matter, or FSRA has received information that you may be involved in a criminal matter, you may be required to complete a background check after you have submitted your application.
A fee of $19.15 applies for Triton’s service, and the background check is valid for 90 days. If you have any further questions about the new background check process, please contact us.
Frequently asked questions – Background check process
Ready to reinstate your licence?
1. Download the Insurance Adjuster Application.
- Right click on the link and choose Save link as to download the PDF to your computer or drive.
2. Fill out the application electronically.
- You will need to re-confirm that:
- You are a person of good character and reputation.
- You have the appropriate education to be an adjuster.
- You meet all licensing requirements and are a suitable person to receive a licence as an adjuster.
- You have provided information about bankruptcies, lawsuits, criminal records, decisions from other regulators or licensing bodies or other employment information.
- You will comply with Ontario’s laws and requirements for the adjuster’s licence
3. Ask your adjusting firm to fill out Part 3 (Notice of Appointment).
4. If applicable, complete a background check through Triton.
5. Your adjusting firm can submit the completed form and any required documents through the Online Services Portal.
- If you need to pay the fee, you can make the payment through the Online Services Portal with credit card (VISA, Mastercard) or select debit cards (RBC, TD, First Nations Bank of Canada, most credit unions).
What happens after your reinstatement application is submitted:
FSRA will send you an email to confirm it has received your application.
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For most applications |
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If the application needs additional review |
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