Tenant insurance certificate collection for Ontario brokers

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

What should a tenant insurance certificate include for landlords?

Typically policy number, effective dates, liability limit, tenant names, and landlord or property manager as additional interest when required — confirm each landlord's exact wording.

Is a quote PDF enough for move-in?

Usually no. Landlords want evidence of bound coverage or a binder letter from the insurer — verify with the landlord requirement.

Is tenant insurance required by Ontario law?

The Residential Tenancies Act does not generally impose a province-wide insurance mandate. Many leases add liability insurance and proof-on-request terms — start from the signed lease, not a generic myth.

Who collects the certificate — broker or realtor?

Often the tenant's broker binds the policy; the realtor or property manager receives the certificate for the lease file. Brokers should still retain a copy in the client file.

Can tenants upload certificates without an account?

Hivi-X guest link supports OTP upload — useful when the tenant already bound elsewhere and only needs to deliver proof to the broker file.

Does Hivi-X bind tenant policies?

No. Hivi-X collects and QC documents. Quoting and binding stay in your BMS and carrier workflow.

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