ProgramCurriculum · 2026 edition
RIBO Level 1 course program: 11 modules, 47 lessons
An online RIBO course in the order a new broker needs the knowledge — principles first, then the regulated broker, then each line of business — weighted exactly like the exam. Every lesson ends in practice; every module ends in a checkpoint.
- Built on the RIBO Level 1 blueprint (25/25/25/20/5)
- One payment, no subscription
- Immediate access, unlimited practice attempts
The program2026
11modules
47lessons
77practice quizzes
≈40 hof study
2,004practice questions with hints and explanations
47lessons in 11 modules, written for 2026
4full mock exams of 100 unseen questions
75%the pass mark you train for, domain by domain
The logic
Why the RIBO course is built in this order
Modules 0–3 · General 25%
The foundations
How the exam works; risk, the principles and the contract; RIBO, FSRA and the code of conduct; advising, documenting and claims. Everything later relies on it.
Modules 4–7 · Personal 50%
The two big lines
Habitational forms, then the risks and solutions around them. The Ontario auto system and the OAP 1, then the 2026 accident benefits and the OPCFs.
Modules 8–10 · Commercial + Travel 25%
Wider, then proven
Commercial property, interruption, crime, liability, surety and fleets; travel health. Then four unseen mock exams and a targeted final review.
Module by module
Every lesson, and what you will be able to do
Search a topic (try “OPCF 44R”, “coinsurance” or “CGL”) or filter by exam domain.
11 modules · 2,004 questions
00Module 0 — Start HereHow the 2026 exam is built, how its questions are written, and the eight-week plan that gets you to 75%.
- 0.1The RIBO Level 1 Exam in 2026
- describe the exam format, the pass mark and the five content domains
- explain the retake rule that catches people out
- name what changed in 2024, 2025 and 2026 — and why older study material fails candidates
- 0.2Reading the Blueprint: Competencies, Domains and Question Types
- list the ten competencies RIBO assesses
- recognise the three kinds of question and how each is answered
- use a four-step method on scenario questions
- 0.3Your Eight-Week Plan and How to Use This Course
- follow a realistic eight-week plan
- use hints and explanations the way they are designed to be used
- decide when you are ready to book the exam
- DDiagnostic — where you stand today
30 questions weighted like the exam, 45 minutes, no hints.30 questions
01Module 1 — Insurance FoundationsGeneral · 25%Risk and hazard, the six principles, how the contract is formed and read, and who the players are in Ontario's market.
- 1.1Risk, Peril, Hazard and Risk Management
- separate risk, peril, hazard and loss
- classify hazards as physical, moral or morale
- tell pure risk from speculative risk and explain why only one is insurable
- choose between the four risk-management techniques
- 1.2The Principles of Insurance
- define indemnity, insurable interest, utmost good faith, subrogation, contribution and proximate cause
- apply each one to a claim scenario
- explain actual cash value, replacement cost and valued policies as tools of indemnity
- 1.3The Insurance Contract: Formation, Binders, Representations and Warranties
- list the elements of a valid contract and the special features of an insurance contract
- explain binders and binding authority
- distinguish representations from warranties, and misrepresentation from non-disclosure
- apply the rules courts use to interpret policy wording
- 1.4Anatomy of a Policy and the Statutory Conditions
- name the parts of a policy and what each does
- distinguish named-perils from all-risks wording and know who carries the burden of proof
- explain limits and deductibles
- apply the key statutory conditions under the Insurance Act, including termination and the duties after a loss
- 1.5The Market: Insurers, Distribution, Reinsurance and the Safety Nets
- distinguish stock, mutual and reciprocal insurers and Lloyd's
- compare brokers, captive agents, direct writers and MGAs
- explain reinsurance and the market cycle
- identify the safety nets: Facility Association, PACICC and the Motor Vehicle Accident Claims Fund
- CModule 1 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
02Module 2 — The Regulated BrokerGeneral · 25%RIBO and FSRA, the Level 1 licence, the code of conduct, trust money and E&O, privacy, CASL and fair treatment of customers.
- 2.1Who Regulates What: RIBO, FSRA and the National Bodies
- describe RIBO's mandate and how it is structured
- describe FSRA's mandate in insurance
- place OSFI, CCIR, CISRO and the GIO correctly
- name the key statutes
- 2.2Your Licence: Levels, Supervision, CE and Reporting
- describe the Level 1, 2 and 3 licences and the Level 1 supervision requirement
- explain the Principal Broker's responsibilities
- state the CE requirement, the licence year and the 10-day reporting rule
- identify licensing conflicts
- 2.3The Code of Conduct: Disclosure, Conflicts and Prohibited Practices
- explain the broker's core duties to the client
- identify conflicts of interest and what disclosure requires
- recognise prohibited practices: misrepresentation, twisting, churning, tied selling, coercion, forgery and backdating
- apply the rules on fees, referrals and advertising
- 2.4Trust Money, E&O, Fidelity and Records
- explain who owns premium money and how the trust account works
- state RIBO's minimum E&O and fidelity requirements
- explain claims-made coverage and why it matters for E&O
- describe what a complete client file contains
- 2.5Privacy, CASL, Fraud and Fair Treatment of Customers
- apply PIPEDA's fair information principles and breach rules
- apply CASL's consent, identification and unsubscribe rules
- recognise insurance fraud and the broker's duties
- explain fair treatment of customers, the UDAP Rule and complaint routes
- CModule 2 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
03Module 3 — Advising and ClaimsGeneral · 25%Needs analysis and documentation, how brokers get sued, the claims process, and the liability law every coverage question rests on.
- 3.1Needs Analysis and Documenting Your Advice
- run a needs analysis that finds exposures the client did not mention
- recommend, explain gaps and respect an informed refusal
- handle renewals and mid-term changes as advice moments
- document advice properly
- 3.2Errors and Omissions: How Brokers Get Sued
- explain the legal basis of a claim against a broker
- recognise the situations that most often produce E&O claims
- apply practical controls that prevent them
- respond correctly when you discover your own error
- 3.3Claims: The Broker's Role from First Notice to Settlement
- describe the claims process from first notice of loss to settlement
- explain the insured's duties and the adjuster's role
- apply proof of loss, appraisal, examination under oath and salvage rules
- define the broker's role — and its limits
- 3.4Liability Fundamentals: Negligence, Defence and Triggers
- explain negligence and its four elements
- apply vicarious liability, contributory negligence and strict liability
- explain the duty to defend and why it is broader than the duty to indemnify
- distinguish occurrence and claims-made triggers
- CModule 3 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
04Module 4 — Habitational I — Forms and CoveragesHabitational · 25%Which form fits which client, the perils, Coverages A to D, exclusions and special limits, and the liability section.
- 4.1The Habitational Forms and Who Gets Which
- match a client to the right habitational form
- name the coverage sections A to H
- explain what each specialty form is designed for
- spot the client whose form is wrong
- 4.2Named Perils, Broad and Comprehensive
- describe the basic, broad and comprehensive homeowners forms
- list the typical named perils and their built-in limitations
- explain why comprehensive is not "everything"
- 4.3Coverages A to D and the Additional Coverages
- define what is included in Coverages A, B, C and D
- explain how ALE is measured and how long it lasts, including civil authority evacuations
- list the common additional coverages and how they work
- 4.4Exclusions, Special Limits and Scheduling
- group habitational exclusions by reason
- explain the most common special limits and why they exist
- explain how scheduling (floaters) solves special-limit and all-risks problems
- apply the "resulting damage" principle
- 4.5Liability: Coverage E and the Voluntary Coverages
- describe who is insured and what Coverage E covers
- apply the main liability exclusions
- explain the voluntary coverages F, G and H
- explain tenant's legal liability and why limits matter
- CModule 4 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
05Module 5 — Habitational II — Risks and SolutionsHabitational · 25%Water in all its forms, valuation and settlement, condos, tenants and landlords, underwriting the home, and the specialty endorsements.
- 5.1Water: Escape, Sewer Backup, Overland and Ground Water
- distinguish escape of water, sewer backup, overland water and ground water
- explain which are covered by the base form and which need endorsements
- handle concurrent causes and underwriting restrictions
- advise a client with a finished basement
- 5.2Valuation and Settlement: RC, ACV, Guaranteed RC and Coinsurance
- explain actual cash value, replacement cost and guaranteed replacement cost
- calculate an ACV settlement and a coinsurance penalty
- explain deductibles, pair-and-set, and why insurance-to-value matters
- 5.3Condominiums, Tenants and Landlords
- explain what the condominium corporation must insure under Ontario's Condominium Act
- define the "standard unit" and improvements and betterments
- explain deductible chargebacks, loss assessment and contingent coverage
- advise tenants and landlords on their separate needs
- 5.4Underwriting the Home: Occupancy, Vacancy and Business Use
- list the main rating and underwriting factors for a home
- distinguish unoccupied from vacant and apply vacancy rules
- handle home businesses, short-term rentals and roomers
- recognise material changes the insurer must be told about
- 5.5Floaters, Watercraft, Earthquake and the Umbrella
- explain floaters and scheduled articles
- decide when watercraft need their own policy
- explain earthquake coverage and its deductible
- describe identity theft, home systems and service line endorsements
- explain how a personal umbrella works
- CModule 5 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
06Module 6 — Automobile I — The Ontario System and the OAP 1Automobile · 25%Compulsory insurance and rate regulation, the eight sections of the OAP 1, liability, DCPD and OPCF 49, physical damage, rating and licensing.
- 6.1The Ontario Auto System: Compulsory Insurance, FSRA, FA and MVACF
- explain compulsory insurance and proof of insurance
- describe how FSRA regulates rates and forms
- apply the take-all-comers principle
- distinguish the Facility Association from the MVACF
- name the standard Ontario auto policies
- 6.2The OAP 1: Its Eight Sections and Third-Party Liability
- name the eight sections of the OAP 1 and what each covers
- explain which automobiles are covered, including newly acquired and substitute vehicles
- apply third-party liability: who is insured, where, and up to what limit
- explain the insurer's obligations to third parties even when the insured breaches the policy
- 6.3DCPD, OPCF 49 and the Fault Determination Rules
- state the conditions for DCPD to apply
- calculate a DCPD payment when fault is shared
- explain OPCF 49 and its consequences
- apply the Fault Determination Rules to common collisions
- 6.4Uninsured Automobile and Section 7 Physical Damage
- explain what Section 5 covers for injuries and for vehicle damage
- distinguish All Perils, Collision or Upset, Comprehensive and Specified Perils
- place common losses in the right coverage
- explain how physical damage losses are settled
- 6.5Rating, Underwriting and Graduated Licensing
- list the main auto rating factors and explain why each matters
- apply principal operator, occasional driver and listing rules
- explain convictions, at-fault claims and their effect
- describe Ontario's graduated licensing system
- explain common discounts, including winter tires and telematics
- CModule 6 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
07Module 7 — Automobile II — Accident Benefits 2026 and the OPCFsAutomobile · 25%The July 2026 accident benefits reform, benefit amounts and optional increases, tort and the LAT, every OPCF that matters, and vehicles beyond the family car.
- 7.1Accident Benefits After 1 July 2026: Mandatory, Optional and OPCF 47R
- explain what accident benefits are and why they are "no-fault"
- list the benefits that remain mandatory and those that became optional
- explain who optional benefits cover and how renewals were handled
- explain OPCF 47R and the new first-payer rule
- advise a client on the choice
- 7.2Accident Benefits: Amounts, the MIG, Catastrophic Impairment and Optional Increases
- state the standard medical, rehabilitation and attendant care limits
- explain the Minor Injury Guideline and catastrophic impairment
- state the standard amounts of the optional benefits and the available increases
- calculate a basic income replacement benefit
- 7.3Tort, Priority and Disputes at the Licence Appeal Tribunal
- apply the priority rules to decide which insurer pays accident benefits
- state the claimant's first steps and deadlines
- explain the limits on tort claims in Ontario
- describe dispute resolution at the Licence Appeal Tribunal
- 7.4The OPCF Endorsements
- identify the purpose of each common OPCF by number
- recommend the right endorsement for a client situation
- explain the consequences of the restrictive endorsements
- 7.5Beyond the Family Car: Motorcycles, Trailers, Motorhomes, Off-Road and Gig Driving
- advise on motorcycles, mopeds and e-bikes
- explain how trailers and motorhomes are covered
- insure off-road vehicles and snowmobiles correctly
- handle classic cars
- explain the gaps created by rideshare, delivery and car-sharing
- CModule 7 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
08Module 8 — Commercial LinesCommercial · 20%Commercial property and COPE, business interruption, equipment breakdown and crime, the CGL, specialty liability, construction and surety, commercial auto and the OAP 4.
- 8.1Commercial Property: Forms, COPE, Valuation and Coinsurance
- describe what a commercial property policy insures
- apply COPE to underwriting
- distinguish named perils and broad (all-risks) forms, blanket and specific limits
- calculate coinsurance and explain stated amount
- explain tenants' improvements, stock valuation and common endorsements
- 8.2Business Interruption, Equipment Breakdown and Crime
- explain what triggers business interruption coverage and what it pays
- distinguish gross earnings and profits forms, indemnity period and waiting period
- explain extra expense, contingent BI and civil authority coverage
- describe equipment breakdown insurance
- describe the main crime coverages, including employee dishonesty and social engineering
- 8.3The Commercial General Liability Policy
- describe Coverages A, B, C and D of the CGL
- explain the occurrence trigger and the limits structure
- apply the major exclusions — including "your product", "your work", care custody or control, pollution, auto and professional services
- explain additional insureds, certificates and cross liability
- 8.4Specialty Liability: E&O, D&O, EPLI, Cyber, Pollution and Umbrella
- explain professional liability (E&O) and who needs it
- explain D&O and its insuring agreements
- explain EPLI and cyber coverage
- explain pollution liability
- explain umbrella and excess liability
- manage claims-made features: retroactive dates, tails, consent and hammer clauses
- 8.5Construction, Surety, Cargo and Marine
- explain builders' risk, installation and contractor's equipment floaters
- explain wrap-up liability for construction projects
- distinguish surety from insurance and name the main contract bonds
- explain motor truck cargo, warehouse legal liability and the basics of marine insurance
- 8.6Commercial Auto, Fleets, Non-Owned Auto and the OAP 4 Garage Policy
- explain how commercial vehicles and fleets are insured in Ontario
- explain the CVOR and why underwriters care about it
- explain non-owned and hired automobile exposures
- describe the OAP 4 garage policy and its key OEF endorsements
- CModule 8 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
09Module 9 — Travel HealthTravel · 5%Why Ontarians need it, how it coordinates with OHIP and group plans, the stability clause and medical questionnaire, and trip cancellation.
- 9.1Travel Health: OHIP Gaps, Excess Coverage and the Products
- explain what OHIP does and does not pay outside Ontario and outside Canada
- explain why travel medical insurance is excess coverage and how it coordinates with other plans
- match clients to single-trip, multi-trip, top-up, visitor and snowbird products
- explain the core benefits and the role of the assistance company
- 9.2Pre-Existing Conditions, Stability and the Medical Questionnaire
- explain what a pre-existing condition and a stability period are
- list the events that make a condition "unstable"
- complete a medical questionnaire with a client correctly
- explain the other common travel medical exclusions
- 9.3Trip Cancellation, Interruption, Claims and the Broker's Duty
- distinguish trip cancellation, interruption and delay coverage
- explain when to buy cancellation coverage and what reasons are covered
- explain baggage coverage and cancel-for-any-reason
- guide a client through a travel claim
- protect yourself from travel E&O claims
- CModule 9 checkpoint
20 mixed questions, 30 minutes, no hints. Aim for 80%.20 questions
10Module 10 — Mock Exams and Final ReviewFour full 100-question simulations weighted exactly like the real paper, four speed rounds, and how to sit the exam.
- 10.1Final Review and Exam-Day Strategy
- use the mock exams and domain breakdown to target your final review
- pace a 3-hour, 115-question paper
- apply a reliable method to difficult questions
- review the facts most likely to be tested in 2026
- MMock Exams 1–4
100 unseen questions each, 155 minutes, no hints, score by domain.400 questions - SSpeed Rounds 1–4
25 mixed questions in 35 minutes.100 questions
No module matches that search.
Question counts per lesson include the questions held back for the mock exams.
Tests
Six kinds of test, each with a job
| Test | Size and time | Hints | Explanations |
|---|---|---|---|
| Practice quiz (77) | Up to 30 questions, unlimited attempts | ✓ Pointer, then 50/50 | Right after each answer |
| Diagnostic (1) | 30 questions, 45 minutes | — | On the review screen |
| Module checkpoint (9) | 20 questions, 30 minutes | — | On the review screen |
| Speed round (4) | 25 questions, 35 minutes | ✓ | Right after each answer |
| Mock exam (4) | 100 unseen questions, 155 minutes, 75% to pass | — | On the review screen + score by domain |
Study planner
Work back from your exam date
Pick a date and a pace. The plan follows the program order and keeps the last week for mock exams — where knowledge turns into a pass.
When to book: two mock exams at 80%+ on different days, no domain under 70%, and at least 15 minutes to spare.
Your RIBO study plan
Sample
Try the questions of any module
Pick a domain and answer a few questions from the course, with the same hint and explanation you get inside.
Sample questions by domain
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FAQ
Questions about the program
How long is the RIBO course?
About 40 hours of study: 47 lessons and 77 practice quizzes, plus the diagnostic, nine checkpoints, four speed rounds and four mock exams. Most candidates spread it over eight weeks.
In what order should I study?
In the order of the modules. General knowledge comes first because every habitational, auto and commercial question relies on it. Each lesson is followed by its practice quiz, and each module ends with a checkpoint.
Does the course cover Commercial Lines?
Yes — Module 8 is dedicated to it, with 406 questions. Commercial Lines has been 20% of the exam since 2025.
Does it cover the July 1, 2026 accident-benefits reform?
Yes. Module 7 opens with it: which benefits stay mandatory, which became optional, OPCF 47R, the auto-first rule for treatment, and how to advise a client on the choice.
Ready when you are
The program is ready. Your exam date is the only variable.
47 lessons, 2,004 questions and four mock exams take you from “where do I start?” to a confident 75%+. One payment of CAD 40.
Independent study material. Not affiliated with or endorsed by RIBO, FSRA, IBAO or the Insurance Institute. Rules change — confirm current requirements with RIBO. Terms · Privacy · Legal notice