2026 Ontario Auto Reform: Mitigating New E&O Risks

The shift to Accident Benefits having more Optional benefits increases the risks to brokers to ensure they are providing the most accurate advice per customer. The more choice customers have, the more decisions they need to make, which raises the pressure to ensure each customer interaction is performed in a fulsome and complete manner.

Beyond just the advice when documenting a customer’s file, practices brokerages and brokers should put into practice become more apparent as the renewal dates arise. From issuing consumer awareness letters to checklists for brokers to ensure they follow a complete pattern with every client, to having client scenarios and examples that are in contextual and plain language ready at hand, to being cognisant that what they are doing and documenting can be used to support them in a potential E&O claim. Brokers now more than ever must maintain up-to-date customer files and learn just which documents carry more value than others.

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