How to Become an Insurance Adjuster in Saskatchewan
Saskatchewan insurance adjuster licensing: three levels with the General Insurance Council, from Level 1 to Level 3, with courses and restrictions.
How to Become an Insurance Adjuster in Manitoba
Manitoba insurance adjuster licensing: three levels with the Insurance Council of Manitoba, from assistant adjuster to Level 3, with fees and courses.
Applies in: Manitoba
Independent insurance adjusters in Manitoba are licensed by the Insurance Council of Manitoba (ICM), and the ladder has three levels: Level 1 Assistant Adjuster, Level 2 Adjuster, and Level 3 Adjuster. The Council licenses agents, brokers, and independent adjusters under The Insurance Act of Manitoba, and its job is to protect Manitoba consumers by setting professional standards and enforcing the rules on how licensees conduct insurance business. This guide covers the independent adjuster path. Hail adjusting is a separate licence class, and company adjusters employed directly by an insurer follow the insurer's own route, so confirm with the Council which licence fits your work.
Step 1: Get sponsored by an adjusting firm
Before you apply, line up sponsorship. You must have valid sponsorship from an agency or adjusting firm or a sponsoring insurance company, and you must have errors and omissions insurance that meets Manitoba's requirements. If you hold another job outside the insurance industry, check whether it creates a conflict of interest: the Council requires you to report any other occupation or employment, and some positions of trust or authority can affect your eligibility. Tell the Council about any past criminal convictions, bankruptcies, or other suitability matters in the application, with an explanation and supporting documents if you answer yes to any of those questions.
Step 2: Complete the Level 1 education
The education for the Level 1 Assistant Adjuster licence comes from the Insurance Institute of Canada. You must successfully complete C11, Principles and Practice of Insurance, or C81 and C82, General Insurance Essentials. The Insurance Institute publishes the course list for each Manitoba adjuster level, and the Council's application pages direct you to those educational requirements for your licence class. The Council charges $110 for an examination in any class of licence, and examination fees must be paid before booking an examination.
Step 3: Apply to the Insurance Council of Manitoba
Submit your application through the Council's online application forms and pay the required fees. Residents of Manitoba must provide a criminal record check, and residents of other jurisdictions may be required to provide one. The licence fee is $90 for an assistant adjuster licence. Fees are not pro-rated, regardless of when the licence was obtained, and must be paid in full. You must have your licence before providing insurance-related services, even if you have finished your education and have an employment contract. The Council reviews the application and notifies you of the decision; if approved, you receive your licence and can begin practising.
Step 4: Work under supervision as a Level 1 assistant
A Level 1 Assistant Adjuster must be supervised. The Council names Level 1 assistant adjusters among the classes that must work under supervision, and you must follow the supervision requirements for your class and level. Use the assistant years to learn how claims are investigated and settled, how reports are prepared, and how the adjusting firm documents its files. If any material fact changes while you hold the licence, such as a change of sponsor, supervisor, address, or a new criminal charge, you must notify the Council in writing within fifteen days of the change.
Step 5: Climb to Level 2
To reach Level 2 Adjuster, you must hold or be eligible to hold a Level 1 Assistant Adjuster licence, and you must successfully complete C11, Principles and Practice of Insurance, C12, Insurance on Property, and C110, Essentials of Loss Adjusting, plus any one of C13, Insurance Against Liability Part 1, C14, Automobile Insurance Part 1, C111, Advanced Loss Adjusting, or C112, Practical Issues in Claims Management. The licence fee for an adjuster licence is $200, against $90 at the assistant level. A transfer, amendment, or reinstatement of any class of licence costs $70.
Step 6: Reach Level 3
To reach Level 3 Adjuster, you must hold or be eligible to hold a Level 2 Adjuster licence, and you must successfully complete C32, Bodily Injury Claims, plus any one of C46, Claims 2, C41, Property Loss Adjustment, C111, Advanced Loss Adjusting, or C112, Practical Issues in Claims Management. You must also have attained the Chartered Insurance Professional (CIP) designation from the Insurance Institute of Canada. Level 3 is the senior adjuster level, and the designation requirement is what sets it apart from Level 2: the course list alone is not enough.
Staying licensed
Adjuster licences must be renewed annually and are valid from July 1 to June 30 each year. Licensed agents and adjusters must complete continuing education to maintain their licences, and the Council publishes the detailed requirements on its website. If you are licensed in another Canadian province or territory, you may apply for a reciprocal licence in Manitoba at the same level you hold at home, without additional education, unless Manitoba-specific regulatory knowledge is required. The Council's office is at 466-167 Lombard Avenue in Winnipeg, and it can be reached at 204-988-6800 or contactus@icm.mb.ca.
Figures the opened ICM pages do not state
The ICM pages state the three adjuster levels, the course lists for each level, the $110 examination fee, the $90 and $200 licence fees, the $70 transfer and reinstatement fee, the July 1 to June 30 licence year, and the supervision and sponsorship rules set out above. They do not state the number of years of adjusting experience required for the Level 2 or Level 3 licence, the number of continuing education hours required each year, the processing time for an application, or the fee for a hail adjuster licence beyond the $90 listed for hail agents and adjusters. Those figures were cut from this guide rather than filled in from an industry summary. Confirm the experience and continuing education requirements with the Council before planning your climb to Level 2 or Level 3.
Related guides:
- How to become an insurance adjuster in Ontario: Ontario's three-phase adjuster path under the Financial Services Regulatory Authority of Ontario, with a different education structure from Manitoba's.
- How to become an insurance adjuster in Alberta: Alberta's adjuster levels under the Alberta Insurance Council, where the Level 1 exam is set by the Council itself.
- How to become an insurance adjuster in British Columbia: British Columbia's adjuster levels under the Insurance Council of British Columbia, with a Council Rules Course at Level 1.
- How to become a mortgage broker in Manitoba: Manitoba's mortgage salesperson-to-authorized-official ladder under the Manitoba Securities Commission, another Manitoba licence with a sponsorship requirement.
- Licensed Occupations in Manitoba — every verified licence and credential in Manitoba, with the regulator that issues it
The Manitoba insurance adjuster path
- Get sponsored by an adjusting firmYou must have sponsorship from an adjusting firm or a sponsoring insurance company before you apply
- Complete the Level 1 educationC11 Principles and Practice of Insurance, or C81 and C82 General Insurance Essentials, through the Insurance Institute of Canada
- Apply to the Insurance Council of ManitobaCriminal record check, errors and omissions insurance, and the online application, with a $90 assistant adjuster licence fee
- Work under supervision as a Level 1 assistantLevel 1 assistant adjusters must be supervised, and you must hold the licence before providing any insurance services
- Climb to Level 2C11, C12, and C110, plus one of C13, C14, C111, or C112, with a $200 adjuster licence fee
- Reach Level 3C32 plus one of C46, C41, C111, or C112, and the Chartered Insurance Professional designation
Questions people ask
Who licenses insurance adjusters in Manitoba?
The Insurance Council of Manitoba. You must hold a Council licence before providing insurance-related services in Manitoba, even if you have finished your education and have an employment contract. The Council issues the licences for independent adjusters under The Insurance Act of Manitoba.
What are the adjuster licence levels in Manitoba?
The Council issues three adjuster levels. Level 1 Assistant Adjuster is the entry level and must be supervised. Level 2 Adjuster is the working level. Level 3 Adjuster is the senior level and requires the Chartered Insurance Professional designation. A Hail Adjuster licence is separate.
What education do I need for the Level 1 assistant adjuster licence?
You must successfully complete C11, Principles and Practice of Insurance, or C81 and C82, General Insurance Essentials, through the Insurance Institute of Canada. The Insurance Institute publishes the course list for each Manitoba adjuster level, and the Council's own pages direct applicants to those educational requirements.
What does it cost to get licensed as an adjuster in Manitoba?
The Council charges $110 for an examination in any class of licence, $90 for an assistant adjuster licence, and $200 for an adjuster licence. A transfer, amendment, or reinstatement costs $70. Fees are not pro-rated, regardless of when the licence was obtained, and must be paid in full.
Do I need a job before I apply?
Yes, in practice. You must have valid sponsorship from an adjusting firm or a sponsoring insurance company, and you must have errors and omissions insurance that meets Manitoba's requirements. Residents of Manitoba must provide a criminal record check, and residents of other jurisdictions may be required to provide one.
Can I transfer an adjuster licence from another province?
Yes. If you are currently licensed in another Canadian province or territory, you may apply for a reciprocal licence in Manitoba at the same level you hold at home, without completing additional education, unless Manitoba-specific regulatory knowledge is required. If you seek a higher level than you hold, you must meet the educational requirements for that higher level.
Sources
- Insurance Council of Manitoba, Applying for a Licence — the licensing overview, the sponsorship and errors and omissions requirements, the supervision rule for Level 1 assistant adjusters, the reciprocal licence route, and the July 1 to June 30 adjuster licence year.
- Insurance Council of Manitoba, Licensing Information — the $110 examination fee, the $90 assistant adjuster and $200 adjuster licence fees, the $70 transfer and reinstatement fee, the 15-day material change notice, and the conflict of interest rules.
- Insurance Institute of Canada, Manitoba Adjuster Licensing Requirements — the course lists for the Level 1, Level 2, and Level 3 adjuster licences, including the Chartered Insurance Professional designation requirement at Level 3.