RIBO Conduct Sheet

When choosing an insurance broker in Ontario, it’s important to understand the value of working with a licensed and regulated professional. Registered Insurance Brokers of Ontario (RIBO) ensures that brokers meet strict standards designed to protect you as a client.

At Forstar Insurance, we follow these standards to provide transparent, reliable, and professional advice so you can make confident decisions about your coverage.

What is a Registered Insurance Broker?

Registered insurance brokers provide independent advice on Property & Casualty (P&C) insurance products from a variety of insurance companies.

Unlike agents who represent a single insurer, brokers work with multiple providers to help you find coverage that fits your needs and budget.

All brokers in Ontario must be licensed by RIBO, which:

  • Ensures brokers are properly trained and qualified

  • Requires adherence to a strict Code of Conduct

  • Provides consumer protection through oversight and accountability

Your Rights as a Client

As a customer, you are entitled to clear, honest, and professional service. This includes:

Transparent Advice

You have the right to work with a broker who explains your options clearly and helps you understand your coverage.

Understanding How Insurance Works

Your broker should explain:

  • How your premiums are calculated

  • What your policy includes

  • How the claims process works

Disclosure & Representation

Brokers must:

  • Disclose how they are compensated

  • Inform you of any potential conflicts of interest

  • Clearly explain which insurers they represent

Fair Treatment

You are entitled to be treated with fairness, integrity, and professionalism at all times.

Your Responsibilities

Insurance is a two-way relationship. To ensure proper coverage, you should:

  • Provide accurate and up-to-date information

  • Inform your broker of any changes in your situation

  • Review your policy to understand your coverage

Being transparent helps your broker find the best solution for your needs.

Understanding Claims & Support

If you ever need to make a claim, you have the right to:

  • Clear guidance on the claims process

  • Updates on the status of your claim

  • Support and advocacy from your broker

Your broker should act as your partner, helping you navigate the process from start to finish.

Complaints & Consumer Protection

If you believe your broker has not met expected standards, you have options:

  • You can file a complaint directly with RIBO

  • You may contact your insurer’s ombudsman

  • Unresolved issues can be escalated to independent dispute resolution services

These protections ensure accountability and peace of mind.

Download the Full RIBO Consumer Fact Sheet

Want a complete breakdown of your rights and what to expect from your insurance broker?

Download the official RIBO Fact Sheet (PDF)

  • Learn your rights as a policyholder

  • Understand broker responsibilities

  • Know what to expect from your coverage

Download the PDF