How Do I Become an Insurance Investigator in Canada?

In Canada, there is a four-step certification process leading to a career as an insurance investigator, or claims adjuster. This is the insurance professional who investigates insurance claims and reports the findings to the insurance company. The claims adjuster is usually a contractor. You may be able to begin work for one of these contractors while you attend classes that lead to your entry-level certificate.

Instructions

1. Obtain a claims adjuster's license through Insurance Institute, the professional association of the insurance industry in Canada. You will be required to take at least three classes in the Claims Professional series of courses, including "Loss Adjusting" and "Claims Management." Ontario candidates must take five additional courses and pass an oral exam. As of 2010, textbooks for an entry-level course cost $155, and you must also pay tuition.

2. Visit a local insurance company office and ask for the names of local claims adjusters. These contractors work directly for insurance companies, so they do not usually advertise. Ask for a referral.

3. Update your resume, emphasizing areas of experience that apply to investigative work. For example, describe work in law enforcement or the military that required detailed research and documentation. Be accurate and truthful. You will be presenting this document to experienced investigators, and they will verify your claims.

4. Call the office of an insurance claims adjuster, introduce yourself and ask for an appointment. If the adjuster cannot see you, ask if you may stop by the office and leave a copy of your resume. Do the same with other insurance claims offices.

Tips & Warnings

• A claims adjuster who hires you will have to pay hundreds of dollars to the Insurance Institute to enroll you, then allow you free time to attend classes leading to certification. Show dedication to the work.

• You will be assigned to investigate accident scenes where you may witness the trauma and heartache of victims and their families.

References

• Insurance Canada: Directory of Claims Service Providers
• Insurance Works: Insurance Claims Jobs
• Insurance Institute of Canada: Independent Adjusters