Insurance in Alberta – Overview

Overview

The Office of the Alberta Superintendent of Insurance is responsible for all insurance sector regulatory compliance activities performed by the offices of Financial Sector Regulation and Policy, a division of Alberta Treasury Board and Finance. This includes:

regulatory oversight of insurers operating in Alberta
prudential supervision of provincially incorporated insurance companies

Compliance activities undertaken by the Superintendent ensure that insurance companies treat Albertans fairly. They include:

responding to consumer inquiries about the conduct of insurance companies in Alberta
performing insurer examinations
interpreting legislation

The Assistant Deputy Minister of Financial Sector Regulation and Policy is responsible for:

developing insurance policy for the insurance market in the province
making recommendations to the President of Treasury Board and Minister of Finance

Superintendent of Insurance updates

See all current publications

Issued in 2026

Guideline 01-2026: Two-year statutory limitation on Jasper wildfire property insurance claims – effective March 15, 2026 – posted March 19, 2026
- In accordance with section 792 of the Insurance Act, the purpose of this guideline is to advise property insurers and their insureds of Superintendent of Insurance expectations in respect to voluntary extensions of the two-year statutory limitation (limitation date) prescribed in section 526 of the Act , as it relates to the Jasper wildfire that occurred in July 2024.

Issued in 2025

Interpretation Bulletin 05-2025: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – November 26, 2025. Effective January 1, 2026, replaces Bulletin 07-2024.
Notice 04-2025: Insurance Regulation Amendments
This Notice is to advise that as part of Care-first auto insurance implementation the following regulations were amended:
- Automobile Insurance Premiums Regulation
- Insurance Agents and Adjusters Regulation
- Insurance Councils Regulation
- Insurance Enforcement and Administration Regulation
Interpretation Bulletin 03-2025: Automobile insurance renewal protection following broker contract termination – effective June 30, 2025
- In accordance with section 792.1 of the Insurance Act, the purpose of this Bulletin is to provide Superintendent of Insurance interpretation of the adverse contractual action provisions of the Act as they apply when a contract between an insurer and an insurance broker is terminated.
Guideline 02-2025: Automobile insurance rating and underwriting controls and sound practices guideline – effective January 15, 2025 – posted January 23, 2025
- In accordance with section 792.1 of the Insurance Act, this Guideline provides sound practices for insurer operations, controls, and governance with respect to automobile insurance rating (“rating OCG”).
Notice 01-2025: Superintendent of Insurance 2022-24 industry-wide auto insurance premium over-charge examination – effective January 15, 2025 – posted January 23, 2025 (updated February 2025)
- This Notice is to provide details of the industry-wide automobile insurance premium over-charge examination conducted by the Superintendent of Insurance from 2022 to 2024. In connection with the examination, the Superintendent also publishes Guideline 02-2025 Automobile insurance rating and underwriting controls and sound practices.

Older Updates

Issued in 2024
- Notice 08-2024: Captives reinsuring third-party risks – effective December 12, 2024 – posted December 5, 2024
- Interpretation Bulletin 07-2024: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – December 12, 2024. Effective January 1, 2025, replaces Bulletin 09-2023.
- Notice 06-2024: Minor Injury Regulation Amendment – effective January 1, 2025 – posted December 12, 2024
  - This Notice is to advise that Government is changing the way adjustments are made to account for inflation in select tax, benefit, and other programs, including the annual adjustment to the “minor injury cap” under the Minor Injury Regulation (MIR), which will come into effect January 1, 2025.
- Interpretation Bulletin 05-2024: Motor Vehicle Warranty Contracts, Dealership Loyalty Programs and Vehicle Protection Products (revised) – effective December 19, 2024
  - Pursuant to section 792.1 of the Insurance Act, this Bulletin is to provide Superintendent of Insurance interpretation of insurance legislation with respect to products commonly marketed by automobile and equipment dealerships in conjunction with the sale of motor vehicles. This Bulletin applies to all those involved in the marketing, sale, and provision of these products.
- Notice 04-2024: Consumer Alert: Fraudulent auto insurance from unlicensed insurance agent/broker ('ghost broker') – September 23, 2024
  - This notice is to caution Albertans about fraudulent, unlicensed insurance agents or brokers commonly known as 'ghost brokers' offering fake automobile insurance for sale in Alberta.
- Guideline 03-2024: Diagnostic and Treatment Protocols Regulation (DPTR) Interpretative Guideline – April 10, 2024
- Guideline 02-2024: Wildfire (and other threat) insurance moratoria Guideline – April 10, 2024
  - In accordance with section 792 of the Insurance Act, the purpose of this Guideline is to provide guidance on the provision of property and automobile insurance when property and automobiles are exposed to an elevated environmental threat (a “threat”).
- Notice 01-2024: Consumer Alert: Caution against Unlicensed Insurer NUN2X3 – March 1, 2024
  - This notice is to warn Albertans about an unscrupulous company and/or individuals purporting to be a licensed insurance company in Alberta and offering automobile insurance for sale.
Issued in 2023
- Notice 10-2023: Automobile Insurance Reform Measures – effective January 1, 2024 – posted December 21, 2023
  - This notice is to advise all insurers licensed for automobile insurance in Alberta of reform measures the Government of Alberta has implemented to improve the province’s automobile insurance system.
  - Notice 10-2023 rescinds previous Interpretation Bulletin 01-2023 effective January 1, 2024, and allows Interpretation Bulletin 02-2023 to expire on December 31, 2023.
- Interpretation Bulletin 09-2023: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – November 28, 2023.
  - Effective January 1, 2024 – replaces Bulletin 09-2022.
- Interpretation Bulletin 08-2023: Adoption of CCIR/CISRO Incentive Management Guidance – effective July 11, 2023
  - Pursuant to section 792.1 of the Insurance Act (Act) and with the cooperation of the Alberta Insurance Counsel (AIC), this Interpretation Bulletin is for the Superintendent of Insurance and the Alberta Insurance Council to inform all insurers and insurance companies (intermediaries) carrying on business in Alberta of their expectations to develop incentive arrangements which align with Fair Treatment of Customers (FTC). Insurers and intermediaries are expected to put in place policies, procedures, and controls to meet their obligations and avoid or properly manage conflict of interest risks in their incentive arrangements.
- Injury management consultant register updated – June 2023
  - Physicians Register
- Interpretation Bulletin 07-2023: Auto Insurance Take All Comers Rule Interpretation
  - Pursuant to section 792.1 of the Insurance Act, and further to June 1, 2023 amendments to the Adverse Contractual Actions Regulation, this Interpretation Bulletin sets out Superintendent of Insurance expectations for adverse contractual actions and quoting procedures used by automobile insurers. In addition, it interprets that certain adverse and quoting actions taken by insurers are unfair acts under section 509 of the Insurance Act.
- Notice 06-2023: New Standard Endorsement Forms: 26(B) Single Deductible Per Occurrence Endorsement, 45(A) & 45(B) Extension of Termination Notice Period Endorsements – effective March 1, 2023 the following SEFs are authorized for use in Alberta:
  - SEF #26B – Single Deductible Per Occurrence Endorsement
  - SEF #45A – Extension of Termination Notice Period (For other than Non-Payment of Premium or Misrepresentation) Endorsement
  - SEF #45B – Extension of Termination Notice Period (For other than Misrepresentation) Endorsement
- Interpretation Bulletin 05-2023: Amended Standard Endorsement Forms: 26(A) Disappearing Deductible(s) Endorsement, 44 Family Protection Endorsement, 81 Garage Family Protection Endorsement, 90 Limitation to Operation of Automobiles by Partners, Officers and Employees Endorsement – effective March 1, 2023, the following SEF amendments are authorized for use in Alberta:
  - SEF #26A – Disappearing Deductible(s) Endorsement (formerly S.E.F. No. 26)
  - SEF #44 – Family Protection Endorsement (amended)
  - SEF #81 – Garage Family Protection Endorsement (amended)
  - SEF #90 – Limitation to Operation of Automobiles by Partners, Officers and Employees Endorsement
- Interpretation Bulletin 04-2023: DCPD Deletion Endorsement Forms – effective March 1, 2023, the following SEFs are authorized for use in Alberta:
  - SEF #49A – DCPD Deletion Endorsement (New)
  - SEF #49B – Blanket Basis DCPD Deletion Endorsement (new)
  - SEF #30A – Attached Machinery, Apparatus or Equipment Exclusion Endorsement (amended)
- Notice 03-2023: Consumer Alert: Caution Against Unlicensed Insurer- Greenan Insurance Ltd. – February 2023
  - The purpose of this notice is to warn Albertans about an unscrupulous company and/or individuals purporting to be a licensed insurance company based in Canada and offering insurance products for sale online.
- Interpretation Bulletin 02-2023: Underwriting Rules Pertaining to Section C (collision and comprehensive) Coverage – effective January 25, 2023 (expires on December 31, 2023)
  - Pursuant to section 792.1 of the Insurance Act, this Interpretation Bulletin advises auto insurers that the Superintendent of Insurance has interpreted that changing eligibility rules for Section C coverage in the period January 25 to December 31, 2023, is an unfair act or practice prohibited under section 509 of the Act.
- Interpretation Bulletin 01-2023: Premium Payment Plans for Private Passenger Vehicle Insurance – effective January 25, 2023 – rescinded effective January 1, 2024
  - Pursuant to section 792.1 of the Insurance Act, this Interpretation Bulletin advises auto insurers that the Superintendent of Insurance has interpreted that denying a premium payment plan for PPV insurance, except under limited circumstances, is an unfair act or practice prohibited under section 509 of the Act.

Annual reports

The Superintendent of Insurance annual reports contain a summary of insurance business in Alberta for the year, summary of licences issued under the Insurance Act, statistical review, list of insurance companies licensed in Alberta and abstracts of returns.

Note: The Annual Report is not intended to provide an in-depth analysis of insurers’ profitability. Rather, the report provides a general insight into the health of insurance industry in Alberta.

Additional information about insurers’ profitability is provided for federally-registered insurers by the Office of the Superintendent of Financial Institutions on its website, and for provincially-registered insurers by their respective provincial supervisor.
Alberta’s can be found on this page: Insurance companies in Alberta.
Additional information on the profitability of auto insurers operating in Alberta can be requested, at a cost, from the General Insurance Statistical Agency.

As part of its oversight of the insurance industry, the Superintendent of Insurance ensures that insurance companies incorporated in Alberta are in good financial standing and well-positioned to fulfill obligations to claimants.

Annual statements of provincial companies are included in the annual reports for 2000 to 2007. For 2008 onward, see available financial data.

Superintendent of Insurance Annual Reports

Resources

Alberta Insurance Council – licensing information, complaints
Continuing Education for Agents and Adjusters
Alberta Automobile Insurance Rate Board
Assuris – Protecting Your Life Insurance
Canadian Life and Health Insurance Association Inc.
Canadian Council of Insurance Regulators
General Insurance Statistical Agency
Insurance Brokers Association of Alberta
Insurance Bureau of Canada
Non-Profit Sector Insurance Toolkit – Guide for Non-Profits and Charities – Updated September 2021 by the Government of Alberta, Insurance Bureau of Canada and Volunteer Alberta, with the permission of the Calgary Chamber of Voluntary Organizations (CCVO).
OSFI - Office of the Superintendent of Financial Institutions Canada
Property and Casualty Insurance Compensation Corporation (PACICC)

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Contact

If you have trouble opening fillable PDF forms, see the Forms page for instructions.

Connect with the Office of the Alberta Superintendent of Insurance:

Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-643-2237
Toll free: 310-0000 before the phone number (in Alberta)
Fax: 780-420-0752
Email: [email protected]

Address:
Alberta Superintendent of Insurance
Alberta Treasury Board and Finance
Financial Sector Regulation and Policy
402 Terrace Building
9515 107 Street
Edmonton, Alberta T5K 2C3

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Insurance in Alberta – Overview

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Overview

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