To become a property and casualty insurance broker in Quebec, you must obtain a certificate issued by the Autorité des marchés financiers (AMF). This involves completing recognized training, passing AMF exams, and working under the supervision of a certified broker for a prescribed period. AccesDirect can accompany candidates throughout this process.

Training varies by discipline. In property and casualty insurance, you can follow the Insurance College program, certain CEGEPs, or training approved by the AMF. In life and disability insurance, distinct training is required. The Representatives’ Training Committee (CFR) oversees all educational requirements.

An insurance broker’s income varies considerably depending on experience, specialization, and compensation method (salary + commissions). Early in your career, you can expect income of approximately $40,000 to $55,000 per year. Experienced and well-established brokers can earn $80,000 and more. Renewal commissions create recurring income.

An insurance broker works for the client and can access products from multiple insurers to find the best option. An agent typically represents a single insurer and sells only their products. For consumers, working with a broker offers more choice and greater independence in advice.

The Chamber of Insurance (Chambre de l’assurance) is the self-regulatory body that protects the public by overseeing the activities of property and casualty insurance brokers and agents in Quebec. It manages mandatory continuing education, professional ethics, and disciplinary investigations. Every certified property and casualty insurance professional is a member of the Chamber of Insurance.

Yes, the insurance sector has largely opened up to remote work since 2020. Many broker, advisor, and agent positions can be performed remotely, particularly for telephone and online services. AccesDirect operates partly through representatives working remotely, which can offer excellent professional flexibility.

The insurance sector offers many specializations: auto and home insurance (personal), commercial and business insurance, life and disability insurance, specialized insurance (maritime, aviation, cyber, bonding), claims management and adjustment, or compliance and risk management. Each specialization may require additional certifications.

Progression is often well-defined: junior representative or advisor, then senior, team leader, branch manager, or sales director. In larger organizations, positions in management, underwriting, or risk management are accessible. Continuing education and customer experience are major assets for advancement.

AccesDirect is always looking for brokers, advisors, and insurance representatives to strengthen its teams. You can submit your application directly through the Careers page on accesdirect.com or use the contact form available on this page. We welcome both experienced candidates and those in training.

An insurance career offers several advantages: job stability (recession-resistant sector), recurring income through renewal commissions, increasing work flexibility, direct impact on clients’ lives, and clear advancement prospects. It is also a constantly evolving sector with digital insurance, cyber, and climate-related insurance.