Individuals who hold a CAIB or CIP designation may qualify for an exemption from the Unrestricted Technical exam. To apply for an exemption, individuals must forward to the Qualification & Registration Department:

  • confirmation of the designation (individuals with the CIP designation must also include a copy of their transcript to verify sufficient commercial lines knowledge)
  • a letter of support from the Principal Broker of the firm

About the Examination

The examination for the “Unrestricted – Technical Only” registration is three (3) hours in length and is comprised of three (3) parts. A minimum of 60% in each part and an overall total of 75% must be obtained to qualify successfully. Failure to obtain the minimum in each of the three (3) parts would require a rewrite of ALL three (3) parts of the examination.

The examination was developed by a team of experienced insurance professionals. It is revised bi-annually and with any legislative changes to the insurance industry.


1. Insurance Concepts, Principles & Practices
Style of Answer: Multiple Choice
Total Markers: 20
60% Pass Mark: 12
Exam Content: 20%

2. Case Study
Style of Answer: Narrative
Total Markers: 60
60% Pass Mark: 36
Exam Content: 60%

3. Forms Recognition
Style of Answer: Narrative
Total Markers: 20
60% Pass Mark: 12
Exam Content: 20%

Sample Case Study Examination Question

General information is provided about the risk which is to be studied.


Describe briefly three (3) property coverage features you would recommend for this risk. (6 marks)

Analyze the Question:

  • Three (3) property coverage features must be stated.
  • A brief description of each one is required - it is not sufficient just to list them.
  • The mark value is 6 so each feature is worth 2 marks.

An appropriate Answer:

  • Replacement Cost Endorsement - to eliminate depreciation from the settlement of an insured loss, provided the insured repairs or replaces the damaged property.
  • Blanket Coverage on Buildings, Equipment and Stock - instead of a specific sum insured on each item separately, it provides for a single combined total sum insured. This allows for fluctuations in value to be fully covered up to the total sum insured.
  • Stated Amount Co-Insurance - the policy Co-Insurance condition is met by insuring to a stated amount rather than to a percentage of value. This is easier to comply with, particularly if insurable value change.

Self-Study Resources - Unrestricted Technical Exam

Individuals who prefer to study on their own may find the following resources useful:

"C130 Essential Skills for the Insurance Broker and Agent", "C131 Advanced Skills for the Insurance Broker and Agent", "C81 & C82 General Insurance Essentials" and the "Dictionary of Insurance" available from:

The Insurance Institute of Ontario
18 King Street East, 16th Floor
Toronto, Ontario M5C 1C4
Telephone: (416) 362-8586
Fax: (416) 362-1126

"C.A.I.B. Volume II & III" available from:

I.B.A.O. (Insurance Brokers Association of Ontario)
1 Eglinton Avenue East, Suite 700
Toronto, Ontario M4P 3A1
Telephone: (416) 488-7422 / 1-800-268-8845
Fax: (416) 488-7526

"O.M.I.A. Farm Policy" (only if choosing a Farm case study) available from:

401 Bay Street, Suite 1200, Box 45
Toronto, Ontario M5H 2Y4
Telephone: (416) 365-1900 / 1-800-265-3097
Fax: (416) 365-7664