BrokerExamSources
Legislation
Everything the exam draws on, in one place. Handy for open-book practice.
The Acts
Ontario statutes from e-Laws and federal Acts from the Department of Justice, reproduced in full. Where only part of an Act is here, the page says which part.
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Registered Insurance Brokers Act
Consolidated from December 8, 2020
The Act itself: who has to register before acting as an insurance broker, and the Council powers over registration, complaints and discipline that follow.
RIB Act, section by section -
Insurance Act (section subset)
Consolidated from January 1, 2026
A declared subset: s. 1, Part IV fire, insurable interest in ss. 178 to 179.1, eight runs of Part VI including take-all-comers, and Parts XIV, XV and XVIII.
Insurance Act, section by section -
Negligence Act
Consolidated from January 1, 2004
How responsibility is split when more than one person is at fault, and what happens to the split when the court cannot measure it.
Negligence Act, section by section -
Occupiers' Liability Act
Consolidated from January 29, 2021
The duty someone in control of a property owes to the people on it, and the narrower duty owed to a person who is there without permission.
Occupiers' Liability Act, section by section -
Dog Owners' Liability Act
Consolidated from June 6, 2024
When the owner of a dog answers for a bite or an attack, and what a court may order about the dog itself.
Dog Owners' Liability Act, section by section -
Highway Traffic Act (section subset)
Consolidated from July 1, 2026
Three sections: who needs a CVOR certificate to run a commercial vehicle, who is liable for negligent driving, and who carries the burden of proof.
Highway Traffic Act, section by section -
Mortgages Act (section subset)
Consolidated from January 1, 2022
A declared subset, ss. 1 to 6: the terms mortgagor and mortgagee, and when the lender may require insurance money to go to repair or to the debt.
Mortgages Act, section by section -
Limitations Act, 2002 (section subset)
Consolidated from December 4, 2024
A declared subset, ss. 1 to 5, 19 and the Schedule: the two-year limit to sue, when a claim is discovered, and which limits set in other Acts still apply.
Limitations Act, section by section -
Commercial Tenancies Act (section subset)
Consolidated from December 8, 2022
A declared subset, ss. 1 to 2.1: who counts as a landlord and who as a tenant, which puts the lessor and the lessee on each side, and the tenancies left out.
Commercial Tenancies Act, section by section -
Workplace Safety and Insurance Act (section subset)
Consolidated from April 24, 2026
A declared subset, s. 30: a hurt worker’s choice to claim workplace insurance benefits or sue the person at fault, the time limit, and who then holds the suit.
WSIA, section by section -
Compulsory Automobile Insurance Act
Consolidated from December 8, 2020
The requirement that a motor vehicle on a highway be insured, the insurance card an operator has to carry, and the fines for driving without insurance.
CAIA, section by section -
Motor Vehicle Accident Claims Act
Consolidated from June 30, 2023
The Fund a claimant with no insurer to turn to may apply to, the accident benefits it pays, and the obligation to repay the Fund after a payment out.
MVACA, section by section -
PIPEDA (Part 1 and Schedule 1)
A declared subset of the federal privacy Act: Part 1, which governs personal information handled in commercial activity, and the ten principles in Schedule 1.
PIPEDA, section by section -
CASL (sections 1 to 13 and 20)
A declared subset: ss. 1 to 13, the rules for sending a commercial electronic message including consent and unsubscribe, and s. 20 on penalty maximums.
CASL, section by section
Regulations
Ontario regulations from e-Laws, reproduced in full. Where only part of a regulation is here, the page says which part.
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O. Reg. 991, General
Consolidated from June 8, 2019
The working rules of registration: who qualifies, what a principal broker is, the code of conduct in section 14, and the trust account rules in section 16.
O. Reg. 991, section by section -
O. Reg. 990, Exemptions
Consolidated from December 31, 1990
One exemption, one section long: a member in good standing of the Risk Management Consultants of Ontario providing only risk management consulting services.
O. Reg. 990, section by section -
O. Reg. 308/98, Composition of Council
Consolidated from June 19, 1998
Fixes the size of Council at nine elected members and four appointed by the Lieutenant Governor in Council. It also revoked Regulation 989.
O. Reg. 308/98, section by section -
Statutory Accident Benefits Schedule
Consolidated from July 1, 2026
The accident benefits an Ontario auto policy pays, from income replacement to attendant care. This consolidation runs from July 1, 2026, with O. Reg. 383/24.
SABS, section by section -
O. Reg. 664, Automobile Insurance
Consolidated from July 1, 2026
Direct compensation for property damage, uninsured and underinsured coverage, and the limits on what a risk classification system may take into account.
O. Reg. 664, section by section -
O. Reg. 668, Fault Determination Rules
Consolidated from October 17, 2018
The rules that decide degree of fault in an Ontario automobile accident. Each is stated twice, as a diagram and as the text alternative to that diagram.
O. Reg. 668, section by section -
O. Reg. 676, Uninsured Automobile Coverage
Consolidated from July 1, 2025
Uninsured automobile coverage, set out in a Schedule: what it pays, its limits and exclusions, and the notice and proof of claim a claimant must give.
O. Reg. 676, section by section -
O. Reg. 777/93, Statutory Conditions
Consolidated from July 1, 2025
The statutory conditions of an Ontario automobile policy, prescribed under s. 234 of the Insurance Act, from material change in risk to the time limit.
O. Reg. 777/93, section by section -
O. Reg. 552, General (out-of-country subset)
Consolidated from August 17, 2026
A declared subset of the OHIP payment regulation: who counts as a resident, the physical presence requirement, and what the Plan pays outside Ontario.
O. Reg. 552, section by section
RIBO by-laws
Published by RIBO. Linked, not reproduced, because the wording is not ours to republish.
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RIBO By-Law No. 1
How RIBO runs itself: the corporation, the Council that governs it, and the committees the Council works through.
By-Law No. 1, where to find it -
RIBO By-Law No. 2
How RIBO's Directors reach Council: who may stand, how a nomination is made, and how the vote is run.
By-Law No. 2, where to find it -
RIBO By-Law No. 3
A by-law relating to licensees: registration and related matters, and the standards a registered broker works to.
By-Law No. 3, where to find it
FSRA rules
Rules FSRA makes under the Insurance Act and its own Act, published by FSRA rather than on e-Laws. Linked, not reproduced. A rule that has not come into force says so on its page.
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Unfair or Deceptive Acts or Practices Rule
The conduct rule that replaced O. Reg. 7/00, naming what counts as an unfair or deceptive act in insurance. In force, as amended to February 14, 2024.
UDAP Rule, where to find it -
Fraud Reporting Service Rule
What an insurer will have to report to FSRA about automobile insurance fraud. Approved, but not in force: it waits on an unproclaimed Insurance Act change.
FRS Rule, where to find it
Policy wordings and endorsements
Approved by FSRA. Linked, not reproduced, for the same reason.
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Ontario Automobile Policy, OAP 1
The standard Ontario owner's automobile policy, approved for use on or after July 1, 2026. Seven sections, from liability to direct compensation.
OAP 1, where to find it -
Ontario Garage Automobile Policy, OAP 4
The standard garage policy, for a business with automobiles left in its care, custody or control. Approved for use on or after July 1, 2026.
OAP 4, where to find it -
OPCF endorsements, the eighteen approved forms
Eighteen approved change forms that alter the standard automobile policy one way each, from OPCF 5 to OPCF 49. OPCF 19, 20A and 39 are not in this set.
OPCF endorsements, where to find it
Reference documents
Not law: specimen policy wordings and a regulator explainer, read for how the industry builds and describes a policy. Named here and linked, never reproduced, and never authority for what the law requires.
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OHIP coverage while outside Canada
What OHIP pays outside Canada and what it does not, including the 153 days in Ontario required in each of the two 12-month periods before leaving. The province explaining a rule it does not make, not law.
Read it at the publisher -
Trip interruption and travel insurance
Federal guidance on what travel insurance should cover, what voids it, and why many policies exclude a region under a Government of Canada advisory. Federal travel advice, not law.
Read it at the publisher -
A specimen habitational policy wording
One insurer’s habitational wording, read for how such a policy is built rather than for what it costs. Not law, not Ontario, and not reproduced here.
Read it at the publisher -
Specimen commercial policy wordings
One insurer’s commercial forms, read for how a named perils form and a co-insurance clause are put together. Not law, and not reproduced here.
Read it at the publisher -
A regulator’s co-insurance fact sheet
How the co-insurance calculation works, worked through. Published in Quebec, so its default-100% rule is not Ontario law and only the arithmetic carries over.
Read it at the publisher -
The Ontario automobile application form
The approved form a broker completes with an applicant: what it asks, in what order, and what the applicant signs. A form, not law.
Read it at the publisher -
FSRA guidance on take-all-comers
How the regulator reads the duty to accept any applicant who meets an insurer’s filed underwriting rules. Guidance, not law, and parts of it now point at a revoked regulation.
Read it at the publisher -
FSRA’s take-all-comers thematic review
What the regulator found when it reviewed the market in 2022 and 2023, with a plain definition of the rule and a glossary. A supervision record, not law.
Read it at the publisher -
A federal guide to home insurance
Plain-language home insurance: what contents, liability and living expenses cover, and how actual cash value differs from replacement cost. Consumer guidance, not law.
Read it at the publisher -
A federal guide to overland flood insurance
What overland flood coverage is, and how it differs from sewer backup and from the water damage a standard policy covers. Consumer guidance, not law.
Read it at the publisher -
A federal guide to car insurance
Car insurance in plain terms: the property and casualty grouping, accident forgiveness, and how a settlement is paid when a loan is outstanding. Consumer guidance, not law.
Read it at the publisher -
A federal guide to buying insurance
How a consumer buys insurance: agent, broker and direct writer, the compensation funds behind an insurer, a premium grace period, and rescission shortly after purchase. Consumer guidance, not law.
Read it at the publisher -
A federal guide to how insurance works
First principles: what a premium is and how it is set, what a deductible does to a claim, and the split between federal and provincial regulation of insurers. Consumer guidance, not law.
Read it at the publisher -
A federal guide to complaining about an insurer
The escalation a consumer is told to follow, from the company complaint officer to the independent ombudservice. Not RIBO’s own process, and not law.
Read it at the publisher -
A federal guide to making a claim
The claims process as a consumer meets it: telling the insurer promptly, the proof asked for, and what to do when a claim is denied. Consumer guidance, not law.
Read it at the publisher -
A federal guide to insuring unexpected events
Which perils a standard home policy commonly leaves out, and how earthquake, flood, sewer backup and storm cover is bought back as an endorsement. Consumer guidance, not law.
Read it at the publisher -
The federal bid bond form
A standard surety bond, read for how principal, surety and obligee relate and what a bid bond secures. A form, not law.
Read it at the publisher -
The industry guide to home coverage types
The four levels of home coverage, named perils against all risks, and how homeowner, condo and tenant policies differ. Industry usage, not law.
Read it at the publisher -
The industry glossary of insurance terms
Short definitions of the trade’s terms, from loss ratio and moral hazard to managing general agent and mortgage clause, most of them supplied by the Insurance Institute of Canada. Industry usage, not law.
Read it at the publisher -
RIBO guidance for licensees
Four documents on what RIBO expects of a broker: fair treatment of customers, fraud prevention, product suitability, and the principal broker handbook’s supplementary resources. Dated 2011 to 2023, each to its own date. Guidance, not law.
Read it at the publisher -
The national insurance regulators’ own pages
What the two national forums of insurance regulators are and do, with a note for each province and territory on who licenses agents and brokers there. Forums describing themselves, not law.
Read it at the publisher -
A federal explainer on bijuralism
Why Canada has two legal systems for private law: property and civil rights, contracts included, run on the civil law in Quebec and on the common law everywhere else. An explainer, not law.
Read it at the publisher -
Lloyd’s on its own market
How the Lloyd’s market works: the Corporation is not an insurer, and syndicates underwrite the risks brokers bring them, often several sharing one risk. A market describing itself, not law.
Read it at the publisher -
A regulator’s page on the insurance binder
What a binder is for: written confirmation of the cover a client has bought, until the policy is issued. Published in Quebec, so it says nothing about what an Ontario broker must do. Not law.
Read it at the publisher -
The life and health insurers’ travel guidelines
Two industry guidelines: G5 on how travel insurance is put together, one coverage or a package, and G17 on how two plans share an out-of-country medical claim. Adopted by member insurers, not law.
Read it at the publisher -
Two specimen travel insurance policy wordings
Two insurers’ travel policies, read for what travel plans in general do: single trip and multi-trip plans, top-ups, stability before departure, advisories, delay, evacuation and baggage. Each insurer’s own figures, dated 2026. Not law, and not reproduced here.
Read it at the publisher -
The travel insurers’ association on travel insurance
The travel insurance trade association’s answers for travellers on pre-existing conditions, travel advisories and cover through work or a credit card, each answer dated 2014 to 2023. Not law.
Read it at the publisher -
The privacy commissioner on confirming who a person is
The federal privacy commissioner’s guidelines to businesses on when to identify and authenticate a person, and on disclosing personal information only once they are sure the person is who they say they are. Dated 2016. Guidance, not law.
Read it at the publisher -
RIBO on continuing education hours
RIBO’s current statement of the continuing education a licensee completes each licence term: the hours, the minimum in each category, carrying hours over, and what happens on a shortfall. Modified September 2026. Guidance, not law.
Read it at the publisher -
RIBO on cyber security at a brokerage
RIBO’s two-page supplement to the principal broker handbook on a written cyber security program, the attacks a brokerage faces, staff training, multi-factor sign-in and cyber insurance. Dated 2023. Guidance, not law.
Read it at the publisher -
The industry guide to home rates and claims
What home insurers ask about a house before they quote, wood stoves included, and the steps of a home claim from reporting it to the proof of loss. Industry practice, not law.
Read it at the publisher -
A territorial overview of contract law
The elements an agreement needs before a court will enforce it, from offer and acceptance to capacity and a legal purpose, as the common law states them. A staff manual chapter, not law.
Read it at the publisher -
RIBO on its Code of Conduct and mandatory disclosures
RIBO’s commentary on each paragraph of the code of conduct, its guidance on the disclosures a broker makes no later than the quote, and the principal broker handbook’s section on branch locations. Dated 2011 to 2024, each to its own date. Guidance, not law.
Read it at the publisher -
A securities regulators’ paper on fiduciary duty
What the Canadian courts say a fiduciary duty is, and which relationships carry one by their nature or on their facts, set out in a 2012 consultation paper about advisers and dealers. A consultation paper, not law.
Read it at the publisher -
The federal contract clauses on insurance
The insurance a federal contractor was required to carry, with a line on what each liability cover is for, from owners’ or contractors’ protective liability to non-owned automobile. Archived since June 2023. Contract terms, not law.
Read it at the publisher -
An open textbook on risk management
Eight sections of a 2012 textbook on the general ideas of risk: pure and speculative risk, the kinds of hazard, the risk management process, the ways to handle a risk, what makes a risk insurable, stock and mutual insurers, indemnity and utmost good faith, and the elements of negligence. Written for an American reader. Not law.
Read it at the publisher
Exam documents
RIBO's own material about the exam. Linked, not reproduced.
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RIBO Consolidated Examinee Resource
Published May 1, 2026
The open-book bundle candidates have in the exam room: OAP 1, By-Laws 1 to 3, the RIB Act, and O. Regs. 308/98, 990 and 991 in one file.
Examinee resource, where to find it -
RIBO Level 1 exam blueprint
RIBO competency profile and exam blueprint, effective January 2025: the sections, their weights, and the cognitive levels questions are written at.
Read it at the publisher -
RIBO competency breakdown guide
RIBO's breakdown of what each competency in the blueprint covers.
Read it at the publisher -
RIBO Level 1 sample questions
The sample questions RIBO publishes for the Level 1 exam, which is the only exam-style writing this site calibrates against.
Read it at the publisher
Not here, and why
A gap with a reason attached is worth more than a gap. These belong to the subject and have no current text to carry.
- R.R.O. 1990, Reg. 989 (Composition and Election of Council)
Revoked in whole by O. Reg. 308/98, s. 2, filed June 19, 1998. It has no current text on e-Laws: the list of regulations under the RIB Act returns only O. Reg. 308/98 and R.R.O. 1990 Regs 990 and 991. RIBO's own legislation page links its "Regulation 989" wording to elaws_regs_980308_e.htm, that is O. Reg. 308/98. Successor in the corpus: o-reg-308-98.
- O. Reg. 7/00 (Unfair or Deceptive Acts or Practices) under the Insurance Act
Revoked on April 1, 2022 by O. Reg. 208/22, s. 1. It is not law and the corpus does not carry law that has been revoked: a question citing it would be wrong, and the e-Laws document still resolves, which is exactly how a revoked regulation gets quoted by mistake. What replaced it, on the same day, is FSRA Rule 2020-001 (Unfair or Deceptive Acts or Practices), made under the Financial Services Regulatory Authority of Ontario Act, 2016. That rule is here, as amended to February 14, 2024, and it is what to read instead. The statutory hook it hangs from is Insurance Act Part XVIII, sections 438 to 441.
- Bid bond: PWGSC-TPSGC 504 (the Canada.ca page that links to the form)
Two files were supplied for the same thing: the bid bond form itself, and the government web page whose only purpose is to link to it. The page carries no bond wording at all. Printed, it is three pages of site navigation, a note about filling in forms in a browser, a download link and a file size. Ingesting it would add navigation furniture to the corpus and not one sentence about surety. The form is carried instead, and this entry records that the page was read and deliberately left out rather than missed.
- FSRA Rule 2024-002 (Total Cost Reporting)
Two reasons, either of which is enough. It is a post-consultation draft rather than an approved rule, so it is not law: its coming-into-force section names a condition and the document carries no approval date and no effective date, where the in-force rule beside it in this corpus footers both on every page. And its subject is outside the RIBO Level 1 exam. It governs what an insurer has to disclose about the cost of an individual variable insurance contract, which is a segregated fund product on the life side; the Level 1 blueprint is general insurance and reaches none of it. A draft that could never be tested is worth less in the corpus than the risk of it being quoted as a rule, so it is named here instead. The document itself says nowhere that it is a draft, which is the whole reason this entry is written out.