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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Types of Mandatory Disclosure for Agents and Brokers

Insurance representatives, trainees and grandfathered employees (“article 547s”) must all disclose certain types of information to their clients. Their obligations may be found in the Act respecting the distribution of financial products and services, in its implementation regulations and in the Code of ethics of insurance representatives. During an inspection, the ChAD inspector verifies whether the firm and its representatives are aware of their obligations and how they fulfill them.

In this article, we will be discussing three obligations: properly identifying oneself, disclosing fees not included in the premium and disclosing the names of the insurers.