No Fault Insurance East
From Ontario to Saskatchewan. From OAP to PIPP. The first three No Fault Insurance provinces will be discussed.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Ontario
Review Canada's first No-Fault product. The OAP outlines the statutory benefits and the recent changes made in 2026.
Manitoba
Manitoba Public Insurance is a trailblazing organization. It's no fault product set the stage for other provinces to follow.
Saskatchewan
Saskatchewan Government Insurance is where public automobile insurance started in the 1940's. SGI is unique even today!
About the Course
No-fault automobile insurance is not the same in every province. This course provides Canadian P&C brokers with a practical comparison of three distinct no-fault models, examining how Ontario, Manitoba, and Saskatchewan each balance accident benefits, client choice, litigation rights, and public versus private insurance delivery. Participants will explore Ontario's Statutory Accident Benefits Schedule (SABS) and the impact of recent benefit reforms, Manitoba's public Autopac system and Personal Injury Protection Plan (PIPP), and Saskatchewan's unique hybrid system that allows clients to choose between no-fault and tort coverage. The course highlights the broker's role in identifying coverage gaps, recommending appropriate extension coverage, documenting client decisions, and ensuring clients understand how provincial legislation affects their protection following an automobile accident. Designed for Canadian insurance professionals, this course equips brokers with the knowledge to confidently explain provincial no-fault systems, provide informed advice, and tailor recommendations to each client's financial circumstances and coverage needs.
About Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.