Insurance Bulletins, Notices and Enforcement Activities
Superintendent of Insurance Bulletins and Notices
On this page
- Bulletins and Notices released in 2009, 2008, 2007, 2006, 2005, 2004
- Enforcement activities: Ministerial Cease and Desist Orders; Activities for 2009, 2008, 2007, 2006, 2005
Following are links to all Bulletins and Notices issued by the Office of the Superintendent of Insurance. Most are directed to insurance companies licensed to operate in Alberta. They will also be of interest to health care practitioners.
Please visit the Information for Health Care Practitioners and Information for Insurers pages for effective and archived bulletins which specifically apply to those groups.
See below for Superintendent of Insurance Enforcement Activities.
Superintendent of Insurance Bulletins and Notices Released in 2009
| Bulletin / Notice No. and Title | pdf |
Released
|
03-09: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective August 1, 2009 |
07/21/09 |
|
02-09: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective August 1, 2009 |
07/21/09 |
|
| 01-09: Amendment to the Minor Injury Regulation - effective January 1, 2009 |
02/13/09 |
Superintendent of Insurance Bulletins and Notices Released in 2008
| Bulletin / Notice No. and Title | pdf |
Released
|
04-08: Insurance Companies Use of Credit Score |
12/16/08 |
|
03-08: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - Effective June 1, 2008 (replaced by 03/09 effective August 1, 2009) |
05/26/08 |
|
02-08: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - Effective June 1, 2008 (replaced by 02/09 effective August 1, 2009) |
05/26/08 |
|
Notice: To mortgage insurers concerning unfair practice under the Insurance Act |
05/07/08 |
|
01-08: Decision on the Constitutional Challenge to the Minor Injury Regulation |
02/11/08 |
Superintendent of Insurance Bulletins and Notices Released in 2007
| Bulletin / Notice No. and Title | pdf |
Released
|
07-07: Standard Garage Automobile Insurance Renewal Certificate (SRC No. 4) - effective April 1, 2008 |
12/12/07 |
|
| 06-07:
Updates to forms prescribed pursuant to the Minor Injury Regulation |
12/07/07 |
|
05-07: Minor Injury Regulation amendment - effective January 1, 2008 - replaced by 01/09 effective January 1, 2009 |
12/03/07 |
|
| 04-07:
Standard Garage Automobile Application Form (S.A.F. #4) and Standard
Garage Automobile Policy Form (S.P.F. # 4) - Effective September
1, 2007 |
06/14/07 |
|
| 03-07: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective June 1, 2007 to May 31, 2008 (replaced by 03/08 effective June 1, 2008) | 03/30/07 |
|
02-07: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective June 1, 2007 to May 31, 2008 (replaced by 02/08 effective June 1, 2008 |
03/30/07 |
|
01-07: Determining Years of Driving Record Following a Lapse in Automobile Insurance Coverage |
01/10/07 |
Superintendent of Insurance Bulletins and Notices Released in 2006
| Bulletin / Notice No. and Title | pdf |
Released
|
01-06: Minor Injury Regulation amendment - Amount effective January 1, 2007- replaced by 01/09 effective January 1, 2009 |
11/20/06 |
Superintendent of Insurance Bulletins and Notices Released in 2005
| Bulletin / Notice No. and Title | pdf |
Released
|
| 08-05: Automobile Insurance Update - As part of our ongoing review of the process and requirements for diagnosing, treating and making claims under automobile insurance regulations, this Information Bulletin highlights important changes and reminders. | 11/10/05 |
|
| 07-05: Superintendent
of Insurance Bulletin --> - New Automobile Insurance Application Form (SAF No. 1) approved for use in Alberta, effective January 1, 2006 --> |
07/22/05 |
|
06-05: Adverse Contractual Action Regulation (and Automobile Insurance Motor Vehicle Inspection Report Form, to be completed by a licensed mechanic if the vehicle is 12 years or older). |
06/15/05 |
|
| 05-05: Equalization of Automobile Insurance Rating Programs | 05/12/05 |
|
| 04-05: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective April 14, 2005 to May 31, 2007 - replaced by 02/08 effective June 1, 2008 | 04/08/05 |
|
03-05: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective April 14, 2005 to May 31, 2007 - replaced by 03/08 effective June 1, 2008 |
04/08/05 |
|
| 02-05: Diagnosis & Treatment Protocol Forms; Injury Management Consultant (IMC); Differences in Diagnosis; Whiplash Associated Disorder (WAD); Number of Treatment Visits | 03/16/05 |
|
| 01-05: Notice of Fees & Disbursements for services related to the diagnostic & treatment protocols regulation & the minor injury regulation | 01/17/05 |
Superintendent of Insurance Bulletins and Notices Released in 2004
| Bulletin / Notice No. and Title | pdf |
Released
|
| 03-04: Complaint Resolution Regulation | 12/21/04 |
|
| 02-04: Interpretation on use of S.E.F. No. 6a - Permission to Carry Passengers For Compensation Endorsement | 11/25/04
|
|
| 01-04: Insurance Act Section 613.1 - Adverse Contractual Actions & Fair Practices Regulation | 10/06/04
|
Superintendent of Insurance Enforcement Activities
To protect consumers and enhance public confidence in insurance, the Superintendent of Insurance monitors, investigates and takes appropriate regulatory action when there is non-compliance with the Insurance Act and Regulations under the Act.
Regulatory action includes Administrative Penalties, Cease and Desist Orders, Compliance Undertakings and Court Prosecutions. In all cases involving regulatory action, there will be public notification on this page of Alberta Finance's website and public information notices or news releases may be issued where it is in the public interest to do so.
Ministerial Cease and Desist Orders
| Orders under s.764 of Alberta Insurance Act, R.S.A. 2000, c.1-3: | pdf |
Date MM/DD/YY |
| State Farm Mutual Automobile Insurance Company | 12/09/05 |
|
| Centennial Insurance Company | 11/29/04 |
|
| Puget's Sound Agricultural Society | 03/27/02 |
Superintendent of Insurance Enforcement Activities in 2009
| Administrative
Penalty issued to Company; Violation and section of the Insurance Act |
Total Amount |
Date MM/DD/YY |
Intact Insurance Company - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). |
$2,500 |
08/25/09 |
ACE INA Life Insurance - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). |
$1,000 |
08/25/09 |
Transamerica Life Canada - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). |
$1,000 |
08/25/09 |
Saskatchewan Mutual Insurance Company - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). |
$1,000 |
08/25/09 |
Security National Insurance
Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$75,000 |
07/08/09 |
Lombard General Insurance
Company of Canada - Refused to renew private passenger
automobile insurance policies - section
613.1. |
$32,500 |
04/17/09 |
Royal & Sun Alliance Insurance Company of Canada - Use of non-approved endorsements - section 610(1). |
$15,000 |
04/17/09 |
Industrial Alliance Pacific Insurance and Financial Services Inc. – Compensating an unauthorized insurance agent – sections 499(1) and 452(5). |
$2,500 |
03/16/09 |
Co-operators General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$10,000 |
03/06/09 |
Industrial Alliance Pacific Insurance and Financial Services Inc. - Compensating an unauthorized insurance agent - sections 499(1) and 452 (5). |
$2,500 |
02/04/09 |
| The Manufacturers Life Insurance Company - Compensating an unauthorized insurance agent - sections 499(1) and 452 (5). | $5,000 |
02/03/09 |
Superintendent of Insurance Enforcement Activities in 2008
| Administrative
Penalty issued to Company; Violation and section of the Insurance Act |
Total Amount |
Date MM/DD/YY |
| RBC Insurance Company of Canada - Compensating three unauthorized insurance agents - section 499(1) and 452 (5). | $3,000 |
12/18/08 |
| Coseco Insurance Company - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1. | $44,000 |
10/10/08 |
| Cumis General Insurance Company - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1. | $46,000 |
10/10/08 |
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - Section 659. | $15,000 |
10/07/08 |
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - Section 659. | $2,500 |
10/07/08 |
| American Home Assurance Company - Compensating an unauthorized insurance agent for 5 years - section 499(1). | $25,000 |
08/08/08 |
| Lloyd's Underwriters - Compensating an unlicensed agent - section 499. | $3,000 |
08/08/08 |
| Mennonite Mutual Insurance Company (Alberta) Ltd. - Failing to report a change in the board of directors - section 45. | $1,000 |
07/21/08 |
| Lombard General Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
01/18/08 |
Superintendent of Insurance Enforcement Activities in 2007
| Administrative
Penalty issued to Company; Violation and section of the Insurance Act |
Total Amount |
Date MM/DD/YY |
| ING Insurance Company of Canada - Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1. | $114,000 |
12/06/07 |
| Unifund Insurance Company - Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1. | $94,000 |
12/06/07 |
| Manufacturers Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/14/07 |
| Co-operators Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/11/07 |
| Markel Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $60,000 |
08/28/07 |
| ING Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $5,000 |
08/03/07 |
| ING Novex Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $1,000 |
08/03/07 |
| Cumis Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $20,000 |
07/16/07 |
| Coseco Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $10,000 |
07/16/07 |
| Jevco Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $14,000 |
07/16/07 |
| First Canadian Insurance Company - Holding shares in excess of the regulated amount - section 428. | $10,000 |
07/13/07 |
| Millennium Insurance Company - Holding shares in excess of the regulated amount - section 428. | $10,000 |
07/13/07 |
| State Farm Mutual Automobile Insurance - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $11,000 |
06/09/07 |
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $30,000 |
04/20/07 |
| Millennium Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $5,000 |
03/29/07 |
| Certas Direct Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $5,000 |
03/12/07 |
| The Personal Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $5,000 |
03/12/07 |
Superintendent of Insurance Enforcement Activities in 2006
| Administrative
Penalty issued to Company; Violation and section of the Insurance Act |
Total Amount |
Date MM/DD/YY |
| Trans Global Life Insurance Company - Failing to report a change in the board of directors - section 45. | $1,000 |
12/07/06 |
| Trans Global Life Insurance Company - Failing to report a change in the board of directors - section 45. | $1,000 |
12/07/06 |
| St. Paul Guarantee Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
10/17/06 |
| Western Life Assurance Company - Transacting a class of insurance business for which they were not authorized, contrary to section 18(2). | $5,000 |
10/17/06 |
| Coseco General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $15,000 |
10/17/06 |
| Unity Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
10/12/06 |
| State Farm Mutual Automobile Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $45,000 |
10/10/06 |
| Aviva Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Innovative Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Economical Mutual Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Perth Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Pembridge Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Kingsway General Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| Peace Hills Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| ING Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
08/02/06 |
| CIGNA Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
06/19/06 |
| Reliable Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
03/27/06 |
Superintendent of Insurance Enforcement Activities in 2005
| Administrative
Penalty issued to Company; Violation and section of the Insurance Act |
Total Amount |
Date MM/DD/YY |
| Millennium Insurance Corporation - Compensating an unauthorized insurance agent - section 499(1). | $4,000 |
09/22/05 |
| Old Republic Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/22/05 |
| Sovereign General Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $2,000 |
09/22/05 |
| American Bankers Insurance Company of Florida - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/22/05 |
| Canada Life Assurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/22/05 |
| CIGNA Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
09/22/05 |
| Motors Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $2,000 |
09/22/05 |
| St. Paul Guarantee Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $3,000 |
09/22/05 |
| Life Investors Insurance Company of America - Compensating an unauthorized insurance agent - section 499(1). | $4,000 |
09/22/05 |
| Traders General Insurance Company - Failing to provide premium refunds, which is a violation of sections 2 and 3 of the Automobile Insurance Premiums Regulation. | $20,000 |
05/31/05 |
