BrokerExamSources
The sources, in full
A question about the law cites a section of one of these. They are here so a citation is something you can follow rather than something you have to trust.
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.
Read the text -
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, seven runs of Part VI including take-all-comers, and Parts XIV, XV and XVIII.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
Highway Traffic Act (section subset)
Consolidated from July 1, 2026
Two sections only: who is liable for negligent driving, owner and lessee included, and who carries the burden of proof when a claim is made.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text -
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.
Read the text
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.
What it is and 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.
What it is and 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.
What it is and 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.
What it is and 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.
What it is and 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.
What it is and 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.
What it is and where to find it -
Ontario Policy Change 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.
What it is and where to find it
Government guidance
Published as web pages by Ontario and by Canada. Linked, not reproduced.
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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.
What it is and where to find it -
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.
What it is and 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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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
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.
What it is and 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.