Claims Agreements and Forms

As part of our ongoing commitment to improving processes for insurance providers and customers, we’ve created claims agreements and forms to help expedite claims settlement procedures.

• Claims Agreements
• Claims Forms

Claims Agreements

These voluntary industry agreements are used to facilitate settlements and reduce or eliminate legal fees and court costs. IBC member and non-member companies can be signatories to the IBC Claims Agreements.

Agreements help insurers address conflicting coverage from different policies that may come into play for the same event or loss.

IBC members can access full text of the agreements on IBC's secure members' website.

1. Agreement Respecting Standardization of Claim Forms and Practices, and Guidelines for the Settlement of Claims, 2002
   • Signatories to Claims Agreement
2. Agreement of Guiding Principles (Property Insurance), 1984
   • Signatories to Guiding Principles (Property Insurance)
3. Agreement of Guiding Principles Between Primary and Excess Liability Insurers Respecting Claims, 1996
   • Signatories to Primary and Excess Liability Agreement
4. Agreement Respecting Disputed Losses Between Property Insurance and Boiler and Machinery Insurance Policies, 1980
   • Signatories to Property/Boiler Agreement
5. Reciprocal Agreement to Provide Copies of Accident Benefits Files Without Charging a Photocopying Fee, 2002
   • Signatories to Reciprocal Agreement to Provide Copies of Accident Benefits Files Without Charging a Photocopying Fee

CICMA Agreement

Most automobile and general liability insurers have agreed to settle claim disputes through binding arbitration under the Canadian Inter-Company Arbitration Agreement. The Canadian Insurance Claims Managers' Association (CICMA) supervises the operation of this agreement and any amendments to it. IBC administers the agreement and maintains the signatories list:

NOTE 1. Owned and Non-owned Contents Agreement (Quebec) and its signatories are available from IBC Montreal office.

NOTE 2. To verify the status of a federal P&C company (name change, amalgamation, discontinuation, etc.), check the document produced by the Office of the Superintendent of Financial Institutions entitled, Note – Canadian and Foreign Insurance Companies and Fraternal Benefits Societies.

Claims Forms

These forms may be used individually or as an appendix to the Agreement Respecting Standardization of Claim Forms and Practices, and Guidelines for the Settlement of Claims, 2002.

NOTE: Claims Forms should not be confused with "Policy Forms" or "Policy Wordings", which are used for underwriting.