RIBO requires insurance brokers to complete their Continuing Education (CE) hours to renew their licence every term. The RIBO licensing term runs from October 1 of one year to September 30 of the next.
Brokers should ensure they complete the required number of CE hours by the end of their renewal period to maintain their licence in good standing.
These are the current CE requirements. They are subject to change.
The Continuing Education program of 8 hours every year between October 1 and September 30 will begin the first October following registration. Individuals are only exempted for the remainder of the licence year that they were registered.
E.g. Broker A was registered on November 1, 2024, and Broker B was registered on April 30, 2025. Neither Broker A nor Broker B will be required to have accumulated any Continuing Education credits by September 30, 2025, but must begin meeting their CE hours starting from October 1, 2025 for the 2025/2026 licence term.
Management courses include subjects pertaining to the Registered Insurance Brokers Act (RIB Act) and Regulations, human resources, general management, accounting and generally topics relevant to the operation of a property and casualty insurance brokerage.
Some examples of courses that have received previous approval include these topics:
It would not be unusual to see a firm submit their meeting minutes seeking Management hours. In cases like these, it is important to make sure that the content is applicable for RIBO hours. For example, some updates that would not qualify include updates on office renovations, staff changes, etc.
Technical courses include subjects directed towards imparting of general insurance product knowledge and/or technical insurance expertise including risk management and loss prevention.
These are some examples of what received previous approval:
These are some examples of what would not qualify for RIBO hours:
Ethics courses include subjects relating to the rules or standards that govern decisions on a daily basis. Topics should examine ethical principles and moral or ethical problems that arise in a business environment, such as recognizing and managing situations that could result in a conflict or potential conflict with the professional and legal obligations to the consumer.
RIBO recognizes the importance of diversity, equity, and inclusion (DEI) in the workplace. There are increasing demands for brokers to ensure equality and inclusion in the workplace. DEI topics may include reviewing the use of language to not exclude or diminish the self-worth of clients or how brokers can best manage situations such as discrimination in the workplace.
Examples of courses that have received previous approval include topics such as codes of conduct, ethical sales practices, etc.
Courses that deal with communicating with clients and customer service would fall under the Professional Development category, not Ethics.
Professional development includes subjects pertaining to skills required to function efficiently in a property and casualty insurance brokerage office as a customer service representative or as a producer. Subjects would include, but are not limited to, sales and marketing skills, and communication and writing skills.
This category covers a broad variety of topics that may be beneficial to brokers in their day-to-day operations.
Examples of courses that have received previous approval include topics such as how to use Microsoft Office products, emails, customer service, and sales practices to better serve potential/existing clients.
Only instructional content that is directly applicable to RIBO brokers may be eligible for RIBO CE accreditation.
The following list is not exhaustive, but is intended to illustrate some examples of content that would not be eligible:
Individuals who are currently on long-term disability leave may be eligible for a CE exemption. RIBO will require a letter from their Principal Broker confirming the following:
The letter can be sent to licensing@ribo.com for processing.
When you hold licences from multiple jurisdictions, you need to adhere to the CE requirements of your home jurisdiction. For example, if you reside in Ontario, your home jurisdiction is RIBO. Therefore, you must maintain RIBO’s CE requirements to remain in compliance for your CE requirement for all your licences.
If, for example, an individual holds residency in Alberta while also holding the Alberta insurance license, RIBO will treat the completion of that individual’s Alberta CE requirements as completion of their RIBO CE requirements as well.
If your home province does not have mandatory CE requirements, you would be required to maintain RIBO’s CE requirements to remain in compliance.
View this list of industry designation courses (CIP, CAIB, etc.) and the number or category of CE hours they provide.
Individuals may carry over a maximum of one term’s CE requirements to the next term.
For example, excess hours completed between October 1, 2024 – September 30, 2025 may be used towards the CE requirements for October 1, 2025 – September 30, 2026. Category requirements must still be met.
Currently, RIBO does not keep a record of Continuing Education for any of our members. It is each individual’s responsibility to keep a proper record of their CE certificates or letters of completion in the event they need to prove their compliance with the RIBO Continuing Education requirements. Failure to meet your CE requirements will result in non-compliance with RIBO regulations, which may lead to disciplinary action.
Individuals may receive CE hours from the same course, only if it has been at least 3 years from the previous time they attended.
Do not send the continuing education certificates to RIBO. Each individual is responsible for their continuing education hours and certificates as the continuing education program is self-regulatory. It is recommended that each individual maintain a Continuing Education Record Sheet and folder to place the certificates received from seminar providers. There will be a question on the annual renewal form to declare compliance with the Continuing Education Program. For Spot Check purposes, continuing education certificates should be kept for 5 years to indicate compliance with the Continuing Education Program. The Principal Broker will be responsible for ensuring that licensed individuals comply with RIBO requirements.
Penalties for non-compliance will be imposed by the Qualification and Registration Committee. Non-compliance by:
Under RIBO’s current reciprocity agreement and guidelines, CE hours from another province will be accepted towards the RIBO CE requirements when that province has mandatory CE requirements and is the individual licensee’s home jurisdiction (i.e., the individual is licensed and a resident of that province).
For example, if an individual’s primary residence is Alberta, completion of their Alberta insurance licence’s mandatory CE requirements will also be treated as completion of their RIBO CE requirements. If they fulfill the CE requirements for their Alberta licence, they will not need to complete any additional RIBO CE hours.
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