The Chambre de l’assurance was created on July 4, 2025, following the merger of the Chambre de l’assurance de dommages and the Chambre de la sécurité financière.

What you need to know:

  • In the short term, ChAD activities are continuing as usual, and all services remain available.
  • ChAD regulations and policies are still in effect, including professional development obligations for the training reference period ending March 31, 2026.
  • All members must continue to incorporate their ethical obligations into their professional practice.
  • For more details, see the Merger Web page (in french only).
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End of the training reference period

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The History of Your Profession

Do you know the key dates in the history of oversight in your profession?

2000 B.C.E.

The birth of insurance: the best known historical reference is the Code of Hammurabi, which stipulates that in the event of a loss or theft of merchandise, the carrier is not held liable if it is able to prove that it was not involved in the wrongdoing.

1963

Brokers are recognized as professionals under the Québec Insurance Brokers Act.

1989

Agents and “independent” claims adjusters are recognized as professionals under the Act respecting market intermediaries. They are overseen by the Conseil des assurances de dommages (CAD), while brokers are overseen by the Association des courtiers d’assurances de la province de Québec (ACAPQ).

1998

Claims adjusters employed by insurers are recognized as professionals under the Act respecting the distribution of financial products and services, which replaces the Act respecting market intermediaries.

The Bureau des services financiers (BSF) is created; it regulates certificate holders, firms, representatives, independent partnerships, insurers and distributers, in the context of distribution without a representative.

The CAD and the ACAPQ cease to exist. The ChAD, which oversees agents, brokers and claims adjusters, is created.

2002

The Regulation respecting the compulsory professional development of the ChAD is passed: it stipulates that ChAD members must earn 30 professional development units (PDUs) during each two-year period; the number of PDUs decreases to 20 in 2004.

2004

The Autorité des marchés financiers is created, following the merger of five organizations.

2008

“Independent” claims adjusters and those employed by an insurer are subject to a single code of ethics.

2018

Bill 141, which revises all the legislation governing the financial sector, is passed.