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Adjuster

There are four levels of adjuster licences, including four types of Level 3 licences, depending on qualification for specialization. Full details regarding eligibility requirements, limitations and authority of each licence type can be found in the Adjuster’s Regulation.

Level 1 Probationary Adjuster

This individual can adjust claims only under supervision and has limited authority. No previous experience or courses required.

A level 1 licensee must complete the necessary education requirements and move to a level 2 licence within 12 months after being issued a level 1 licence.

Level 2 Assistant Adjuster

This individual can adjust claims only under supervision but has more authority than a Level 1 adjuster.

A level 2 licensee must complete the necessary education requirements and move to a level 3 licence within 36 months after being issued a level 2 licence.

Individuals must have 12 months of work experience as an adjuster, and must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 – Principles and Practice of Insurance
or
C81 – General Insurance Essentials – Part 1 and C82 – General Insurance Essentials – Part 2.

Level 3 Property Damage Adjuster

This individual can adjust first- and third-party claims of damage to or loss of property, other than automobile or ocean marine insurance.

C11 – Principles and Practice of Insurance or C81 – General Insurance Essentials – Part 1 and C82 – General Insurance Essentials – Part 2.
C12 - Insurance on Property
C13 - Insurance Against Liability - Part 1
C110 - Essentials of Loss Adjusting or C17 - Claims 1
C111 - Advanced Loss Adjusting or C33 - Insurance on Property - Part 2 and C46 - Claims 2
 

Level 3 Automobile Physical Damage Adjuster

This individual can adjust first- and third-party claims, which are the result of the ownership, use or operation of a vehicle.

Individuals must have a minimum of 24 months of adjusting experience as a Level II Adjuster, and must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 - Principles and Practice of Insurance
or
C81 - General Insurance Essentials - Part 1 and C82 - General Insurance Essentials - Part 2
and
C13 - Insurance Against Liability - Part 1
C14 - Automobile Insurance - Part 1
C110 - Essentials of Loss Adjusting or C17 - Claims 1
C111 - Advanced Loss Adjusting or C46 - Claims 2

A minimum of 24 months of adjusting experience is required before moving to a Level 4 Adjuster.

Level 3 Automobile Accident Benefit Adjuster

This individual can adjust accident benefit claims under a policy of automobile insurance.

The individual must have a minimum of 24 months of adjusting experience as a Level II Adjuster, and must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 - Principles and Practice of Insurance
or
C81 - General Insurance Essentials - Part 1 and C82 - General Insurance Essentials - Part 2
and
C14 - Automobile Insurance - Part 1
C110 - Essentials of Loss Adjusting or C17 - Claims 1
C32 - Bodily Injury Claims
C111 - Advanced Loss Adjusting or C46 - Claims 2

A minimum of 24 months of adjusting experience is required before moving to a Level 4 Adjuster.

Level 3 Bodily Injury Adjuster

This individual can adjust third-party claims of bodily injury or death.

The individual must have a minimum of 24 months of adjusting experience as a Level II Adjuster, and must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 - Principles and Practice of Insurance
or
C81 - General Insurance Essentials - Part 1 and C82 - General Insurance Essentials - Part 2
and
C13 - Insurance Against Liability - Part 1
C14 - Automobile Insurance - Part 1
C110 - Essentials of Loss Adjusting or C17 - Claims 1
C32 - Bodily Injury Claims
C111 - Advanced Loss Adjusting or C46 - Claims 2

A minimum of 24 months of adjusting experience is required before moving to a Level 4 Adjuster.

Level 3 Property Adjuster

Individual must have a minimum of 24 months of adjusting experience as a Level II Adjuster, and must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 - Principles and Practice of Insurance
or
C81 - General Insurance Essentials - Part 1 and C82 - General Insurance Essentials - Part 2
and
C12 - Insurance on Property - Part 1
C13 - Insurance Against Liability - Part 1
C110 - Essentials of Loss Adjusting or C17 - Claims 1
C111 - Advanced Loss Adjusting or C33 - Insurance on Property - Part 2 and C46 - Claims 2

A minimum of 24 months of adjusting experience is required before moving to a Level 4 Adjuster.

Level 4 General Adjuster

This individual can adjust claims of property damage, automobile physical damage, automobile accident benefits or bodily injury.

Individual must successfully complete the following courses offered by the Insurance Institute of Canada:

C11 - Principles and Practice of Insurance or course numbers C81 General Insurance Essentials - Part 1 and C82 General Insurance Essentials - Part 2;
C12 - Insurance on Property;
C13 - Insurance Against Liability - Part 1;
C14 - Automobile Insurance - Part 1;
C32 - Bodily Injury Claims;
C110 - Essentials of Loss Adjusting or C17 Claims 1;
C111 - Advanced Loss Adjusting or course numbers C33 Insurance on Property - Part 2 and C46 Claims 2; and
C112 - Practical Issues in Claims Management.
 

Application process

First-time applicants wishing to obtain a Claims Adjuster Licence under the Insurance Act must meet the following conditions:

  • submit a completed application via the FCNB Self-Serve Portal
  • attach a completed Criminal Record Check, conducted at a detachment of the RCMP or a municipal or provincial police force, or an approved background check vendor, which has been issued in the last six months
  • if the applicant is working for a corporation other than an insurer, that corporation must be registered. This is a requirement under the New Brunswick Business Corporations Act, which states that any extra-provincial corporation conducting business in New Brunswick must register. Information is also available at snb.ca. In compliance with the above mentioned Act, an applicant’s insurance licence cannot be issued for an unregistered corporation
  • submit a copy of a bond. As an employee of an adjusting firm where you are not employed as salaried employee directly by an insurer, you are required to provide a bond in the amount of $5,000 to the Financial and Consumer Services Commission as represented by the Superintendent of Insurance
  • submit an official transcript of completed educational requirements
  • non-residents may be requested to complete a supplemental questionnaire
  • submit the applicable licensing fee, payable to the Financial and Consumer Services Commission

Expiration dates

Level 1 and Level 2 adjuster licences expire 12 months from the date of issuance or renewal of the licence. All Level 3 and Level 4 adjuster licences expire annually on June 30.

Fee schedule price
Level 1 – Probationary Adjuster $10.00
Level 2 – Assistant Adjuster $10.00
Level 3 – Property Damage Adjuster $15.00
Level 3 – Automobile Physical Damage Adjuster $15.00
Level 3 – Automobile Accident Benefits Adjuster $15.00
Level 3 – Bodily Injury Adjuster $15.00
Level 4 – Adjuster $35.00