Toronto, Ontario Insurance Agency Guide
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Toronto, Ontario insurance agency guide: where to get help and file complaints

If you're dealing with an insurance agent or broker in Toronto and something has gone wrong, you don't have to sort it out alone. Below is a curated list of the actual regulators, dispute-resolution bodies and legal resources that oversee insurance conduct in Ontario and Canada, drawn from official and industry sources. Use it to check a broker's license, file a complaint, or find free help before heading to small claims court.

Government & regulatory

  • Financial Services Regulatory Authority of Ontario (FSRA)

    FSRA is an Ontario government agency that regulates insurance companies and licenses insurance agents in the province, working to protect consumers through business conduct standards and transparency requirements.

    Visit website → Phone: 1-416-250-7250 or Toll Free 1-800-668-0128, email contactcentre@fsrao.ca, fax 1-416-590-8480 25 Sheppard Avenue West, Suite 100, Toronto, Ontario

  • Registered Insurance Brokers of Ontario (RIBO)

    Established in 1981, RIBO regulates over 22,000 property and casualty insurance brokers in Ontario, overseeing professional competence, ethical conduct and financial responsibility. Consumers can use its licensee directory to verify a broker's status and file complaints through its Consumer Complaints Officer.

    Visit website → Phone: (416) 365-1900 or toll-free 1-800-265-3097 (Consumer Complaints Officer) 401 Bay St, Suite 1200, Toronto, Ontario, M5H 2Y4

Industry & professional associations

  • Insurance Bureau of Canada (IBC)

    IBC is the leading voice of Canada's property and casualty insurance industry, working on policy reform and regulation while providing consumer education. Its Consumer Information Centre answers general insurance questions.

    Visit website → Phone: 1-844-2ask-IBC (1-844-227-5422)

Consumer protection

  • General Insurance OmbudService (GIO)

    GIO is an independent organization that helps Canadian consumers resolve disputes or concerns with their home, auto or business insurers at no cost.

    Visit website → Phone: 1-877-225-0446, email info@giocanada.org, fax 1-416-299-4261 4711 Yonge St, 10th Floor, Toronto, ON M2N 6K8 (mailing address only, no appointments or visits accepted)

  • OmbudService for Life & Health Insurance (OLHI)

    OLHI provides a free, independent and impartial dispute resolution service for Canadian life and health insurance consumers, along with accessible information on life and health insurance concerns in English and French.

    Visit website → Phone: Tel 1-416-777-9002, Toll Free 1-888-295-8112, Fax 1-416-777-9750

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