FSRA principal supervision of CSR files

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Who regulates Principal Broker supervision in Ontario?

RIBO registers Ontario general-insurance brokerages and requires each to designate a Principal Broker who directs and supervises the firm and its licensees. RIBO By-law No. 3 expects procedures and a written Plan of Supervision. FSRA oversees insurers and other sectors; fair-treatment expectations also come from CCIR/CISRO guidance. Confirm current by-laws and handbook duties with your compliance advisor.

What should principals spot-check?

Firm risk policy usually drives the sample. Practically: recent binds for checklist completeness, mandatory disclosure records, phone/voice notes, and whether an exportable package exists outside email. RIBO investigations often ask whether a meaningful oversight process exists and is followed — not whether you hit a fixed monthly quota.

Does Hivi-X replace Principal Broker obligations?

No — it standardizes the intake evidence principals review. Supervision duties, plans, and reporting stay with the Principal Broker.

How many files per month?

Set by firm risk policy — consistency and producibility matter more than volume. There is no universal RIBO monthly count.

Can principals see all clients?

Access depends on your brokerage account structure — verify the access model with product and your own access policy.

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