How insurance works in Ontario: who regulates it, how auto insurance is sold, the risks insurers price in, and where to get licensed help.
Coverage in Ontario
FSRA licenses life agents (LLQP) and accident & sickness agents; property & casualty brokers are licensed by the Registered Insurance Brokers of Ontario (RIBO).
Licensed in Ontario
No Ontario law forces renters to buy tenant insurance, but a landlord can make liability coverage a condition of the lease. Here's what the standard lease says, what a policy covers and what it typically costs.
Read guide arrow_forwardSince July 1, 2026, only medical, rehabilitation and attendant care benefits are mandatory on Ontario auto policies. Here's what became optional and how to decide what to keep at renewal.
Read guide arrow_forwardA personal auto policy may not cover you while you drive for Uber, Lyft, DoorDash or Skip. Here's how to close the gaps in Ontario, from the OPCF 6A endorsement to your accident benefit choices after July 2026.
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