Saskatchewan insurance adjuster licensing: three levels with the General Insurance Council, from Level 1 to Level 3, with courses and restrictions.
Insurance adjusters in Saskatchewan are licensed by the General Insurance Council of Saskatchewan (GICS), and the ladder has three levels: Level 1, Level 2, and Level 3. The Council operates under authority delegated by the Director of the Insurance and Real Estate Division to licence and regulate insurance agents, brokers, adjusters, and agencies in the province. This guide covers the general insurance adjuster path. Crop hail adjusting is a separate licence category with its own requirements, and an adjusting firm is a separate business licence, so this guide does not cover either of those.
Step 1: Pass the Council Bylaw examination
Every level of adjuster licence starts with the General Insurance Council Bylaw examination. You must successfully complete it as part of the Level 1 requirements, and it is the Council's own test of the rules that govern licensees. Study the Council's bylaws and the requirements for your licence level before booking, since the examination sits alongside the education requirements rather than replacing them.
Step 2: Complete the Level 1 education
For a Level 1 adjuster licence, you must complete the Bylaw examination plus one of six options. The course options are the C11 course and examination offered by the Insurance Institute of Canada, the C81 and C82 courses and examinations offered by the Insurance Institute of Canada, the GICS Adjuster Qualifying examination, or the ILScorp Level 1 Adjuster Licensing Program. The experience options are work as a property and casualty insurance agent for no less than two years within the past five years, or work as a general claims adjuster in an insurance company, general agent, or adjusting company for no less than one year within the past three years. If you have not held a property and casualty adjuster licence in any jurisdiction in Canada during the past two consecutive years, you are treated as a new applicant, and only courses completed in the year before your application count.
Step 3: Apply through the licensing portal
Apply through the Council's licensing portal. A person applying for a licence must provide proof of having met the licence requirements, proof of having met the financial security requirement, meaning errors and omissions insurance or a bond, a completed application form as required by the Council for the category of licence, and payment of the required fee for the category. The Council's published fee schedule lists the licence categories but does not state the dollar amount for an individual adjuster licence, so confirm the current fee in the portal before applying. A fee of $50 is retained when an application for a licence has been denied, and a $50 administration fee applies to a reinstatement or to discontinuing an application after processing has begun.
Step 4: Work as a Level 1 adjuster
A Level 1 adjuster works under clear restrictions. You must not sign any reports or correspondence unless they are co-signed by a Level 2 or Level 3 licensee, you must not act as a supervisor, you must not act as a designated representative of an adjusting firm, and you must not act as a public adjuster. Those limits are the point of the level: Level 1 is where you learn the work while a senior licensee reviews and signs it. Use the time to build the record you will need for Level 2, and keep your courses inside their validity window if you have not yet held a licence for two consecutive years.
Step 5: Climb to Level 2
To reach Level 2, you must meet the licensing requirements for Level 1 and successfully complete one of two routes. The first route is experience as a Level 1 licensee for a minimum of two years plus the C32, C110, C111, and C112 courses and examinations offered by the Insurance Institute of Canada. The second route is experience as a general claims adjuster in an insurance company, general agency, or adjusting firm for no less than five years within the past seven years. A Level 2 licensee must not act as a designated representative of an adjusting firm, and must not act as a public adjuster. The designated representative role, and the management of an adjusting firm, belong to Level 3.
Step 6: Reach Level 3
To reach Level 3, you must meet the licensing qualifications for Level 2 and successfully complete the course of study leading to a Chartered Insurance Professional (CIP) or an Associate (AIIC) designation through the Insurance Institute of Canada, including the Claims Professional Series courses and examinations for C110, C111, and C112. A Level 3 licensee must not act as a designated representative of an adjusting firm unless they have at least two years of experience as a licensed adjuster or adjuster representative within the past five years. That experience rule is also what an adjusting firm needs from its designated representative: for a property and casualty adjusting firm, the designated representative must be an active Level 3 licensee with at least two years of experience as a property and casualty adjuster licensee within the past five years.
Figures the GICS page does not state
The GICS page states the Bylaw examination, the Level 1, 2, and 3 education and experience routes, the licence restrictions at each level, the new-applicant course validity window, the $50 retained fee on a denied application, and the $50 reinstatement and discontinuation administration fees set out above. It does not state the dollar amount of the individual adjuster licence fee, a processing time for applications, or the continuing education requirements for staying licensed. Those figures were cut from this guide rather than filled in from a secondary source. Confirm the current licence fee in the Council's licensing portal before applying.
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Questions people ask
Who licenses insurance adjusters in Saskatchewan?
The General Insurance Council of Saskatchewan, known as GICS. It operates under authority delegated by the Director of the Insurance and Real Estate Division to licence and regulate insurance agents, brokers, adjusters, and agencies in Saskatchewan. General insurance adjusters are regulated through the General Insurance Council.
What are the adjuster licence levels in Saskatchewan?
Three levels: Level 1, Level 2, and Level 3. Level 1 is the entry level, Level 2 is the operational level, and Level 3 is the management level. Crop hail adjusting is a separate licence category, and an adjusting firm is a separate business licence with its own designated representative.
What education do I need for the Level 1 adjuster licence?
You must pass the General Insurance Council Bylaw examination plus one of: the C11 course and examination, the C81 and C82 courses and examinations, the GICS Adjuster Qualifying examination, or the ILScorp Level 1 Adjuster Licensing Program, all through the Insurance Institute of Canada or the named providers. Two years as a property and casualty agent within the past five years, or one year as a general claims adjuster within the past three years, can also qualify.
What can a Level 1 adjuster not do?
A Level 1 licensee must not sign any reports or correspondence unless co-signed by a Level 2 or Level 3 licensee, must not act as a supervisor, must not act as a designated representative of an adjusting firm, and must not act as a public adjuster. A Level 2 licensee must not act as a designated representative of an adjusting firm or as a public adjuster.
What does it take to reach Level 2 and Level 3?
For Level 2, meet the Level 1 requirements and complete either two years as a Level 1 licensee plus the C32, C110, C111, and C112 courses and examinations, or five years as a general claims adjuster in an insurance company, general agency, or adjusting firm within the past seven years. For Level 3, meet the Level 2 requirements and complete the course of study leading to a Chartered Insurance Professional or Associate designation, including the Claims Professional Series courses C110, C111, and C112.
How recent must my courses be when I apply?
If you have not held a property and casualty adjuster licence in any jurisdiction in Canada during the past two consecutive years, you are treated as a new applicant, and for a new applicant only courses completed in the year before the application are considered valid. Plan your application so the courses are still inside that window.