The Financial Services Regulatory Authority of Ontario (FSRA) has released the Interpretation & Approach Guidance known as the Take-All-Comers (TAC) Rule for the automobile insurance industry.  


The TAC rule applies to insurers, agents and brokers writing, selling, or dealing with automobile insurance in Ontario. It is the broker’s responsibility to quote based on up-to-date understanding of the customer’s needs and reflect an assessment of auto markets available. In addition, the broker must inform the consumer if a market has declined to provide a quote and report any instance when they are dissuaded or forced to abandon a request for a quote to RIBO. 


RIBO will review brokers’ compliance with the TAC rule as well as brokerage practices while conducting routine spot checks at brokers’ offices. The reviews will look for whether your assessment was based on an up-to-date understanding of your customer’s needs, that you assessed all the auto markets available to you, and that you documented the recommendation(s) made to your customer.  


If you are a broker who is dealing with a carrier whom you believe is not complying with this rule, click the Broker option below to report this.  

If you are a carrier who believes a broker or a carrier is not complying with this rule, please click the Carrier option. 





For further information and guidance on this subject, feel free to review the town hall Take All Comers presentation given on April 11th, 2022

If you believe a broker has not followed RIBO standards, including the TAC rule, you can file a complaint here