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83-570: MPI has 21 claim centres, two customer service centres in 13 locations across Manitoba. Driver and Vehicle Licensing (DVL) is available through 147 agents in 123 communities, including 100 photo licensing agencies, and mobile testing units that service 69 communities. MPI partners with more than 300 independent insurance brokers in Manitoba. As of fall 2014, MPI offers a Winter Tire Financing Program that allows policy holders to finance new Winter Tires and Rims (along with other approved services) up to

166-479: A Northwest Passage . Though this expedition was unsuccessful, it established the name " New France " for northeastern North America. After a few expeditions, France mostly abandoned North America for 50 years because of its financial crisis; France was involved in the Italian Wars and there were religious wars between Protestants and Catholics . Around 1580 however, the rise of the fur trade (particularly

249-504: A government body. In some provinces, such as Ontario , insurance brokers have self-governing bodies responsible for licensing and regulation. Insurance broker became a regulated term under the Insurance Brokers (Registration) Act 1977 , which was designed to prevent firms holding themselves as brokers but in fact acting as representative of one or more favoured insurance companies. The term has no legal definition following

332-725: A hotbed for the illegal smuggling of liquor and the biggest supplier into the United States, which was under complete prohibition . Prohibition in Ontario came to an end in 1927 with the establishment of the Liquor Control Board of Ontario under the government of Howard Ferguson . The sale and consumption of liquor, wine, and beer are still controlled by some of the most extreme laws in North America to ensure strict community standards and revenue generation from

415-447: A land area of 892,411.76 km (344,562.11 sq mi), it had a population density of 15.9/km (41.3/sq mi) in 2021. The largest population centres in Ontario are Toronto , Ottawa , Hamilton , Kitchener , London and Oshawa , which all have more than 300,000 inhabitants. The percentages given below add to more than 100 per cent because of dual responses (e.g., "French and Canadian" response generates an entry both in

498-571: A maximum of $ 2,000.00 for a repayment period of one to four years. The basic automobile insurance product offered by MPI is known more informally as Autopac . Basic automobile insurance is compulsory in Manitoba and is only available through MPI. Extension insurance products (lower deductibles, increased insurance coverage, etc.) are sold in competition with the private sector. In 2011, a typical workday saw approximately CAN$ 2.4 million in Autopac claims, and 1,109 reported Autopac claims. In 2019, MPI

581-587: A number of industry bodies that issue professional accreditations to members that comply with best standards of professional practice and integrity and maintain up to date skills and knowledge. The two main accreditations are the Australian and New Zealand Institute of Insurance and Finance (ANZIIF) Certified Insurance Professional (CIP) and National Insurance Brokers Association (NIBA) Qualified Practicing Insurance Broker (QPIB) qualifications. Dealing with an insurance broker as opposed to directly with an insurer

664-424: A renewal date. For example, the state of California requires license renewals every 2 years, which is accomplished by completing continuing education courses. Most states have reciprocity agreements whereby brokers from one state can become easily licensed in another state. As a result of the federal Gramm-Leach-Bliley Act , most states have adopted uniform licensing laws, with 47 states being deemed reciprocal by

747-626: A result, for the first time, the English-speaking population of Canada West surpassed the French-speaking population of Canada East , tilting the representative balance of power. In 1849, the districts of southern Ontario were abolished by the Province of Canada , and county governments took over certain municipal responsibilities. The Province of Canada also began creating districts in sparsely populated Northern Ontario with

830-402: A significant beneficial impact on insurance negotiations obtained through a broker (vs. those obtained from an agent). Any person acting as an insurance agent or broker must be licensed to do so by the state or jurisdiction that the person is operating in. Whereas states previously would issue separate licenses for agents and brokers, most states now issue a single producer license regardless if

913-468: A significant industry, the region's economy depends highly on manufacturing . In contrast, Northern Ontario is sparsely populated with cold winters and heavy forestation, with mining and forestry making up the region's major industries. Ontario is a term thought to be derived from Indigenous origins, either Ontarí:io , a Huron ( Wyandot ) word meaning "great lake", or possibly skanadario , which means "beautiful water" or "sparkling water" in

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996-734: A significant role in helping companies and individuals procure property and casualty (liability) insurance , life insurance and annuities , and accident and health insurance . For example, research shows that brokers play a significant role in helping small employers find health insurance, particularly in more competitive markets. Average small group commissions range from two percent to eight percent of premiums. Brokers provide services beyond procuring insurance, such as providing risk assessments, insurance consulting services, insurance-related regulatory and legislative updates, claims assistance services, assisting with employee enrollment, and helping to resolve benefit issues. However, some states consider

1079-538: Is English, although there exists a number of French-speaking communities across Ontario . French-language services are made available for communities with a sizeable French-speaking population; a service that is ensured under the French Language Services Act of 1989. In the 2021 census , Ontario had a population of 14,223,942 living in 5,491,201 of its 5,929,250 total dwellings, a 5.8 percent change from its 2016 population of 13,448,494. With

1162-431: Is Ontario's provincial capital. Ontario is bordered by the province of Manitoba to the west, Hudson Bay and James Bay to the north, and Quebec to the east and northeast. To the south, it is bordered by the U.S. states of (from west to east) Minnesota , Michigan , Ohio , Pennsylvania , and New York . Almost all of Ontario's 2,700 km (1,700 mi) border with the United States follows rivers and lakes: from

1245-540: Is a representative organisation for brokers in the UK. It has over 1800 members. In the United States , insurance brokers are regulated by individual states. Most states require anyone who sells, solicits, or negotiates insurance in that state to obtain an insurance broker license, with certain limited exceptions. This includes a business entity, the business entity's officers or directors (the "sublicensees" through whom

1328-569: Is an intermediary who sells, solicits, or negotiates insurance on behalf of a client for compensation. An insurance broker is distinct from an insurance agent in that a broker typically acts on behalf of a client by negotiating with multiple insurers, while an agent represents one or more specific insurers under a contract. As of 2019, the largest insurance brokers in the world by revenue are Marsh & McLennan , Aon plc , Willis Towers Watson , Arthur J. Gallagher and Hub International . In Australia, all insurance brokers are required under

1411-406: Is an insurance company's representative by way of agent-principal legal custom. The agent's primary alliance is with the insurance carrier, not the insurance buyer. In contrast, an insurance broker represents the insured, generally has no contractual agreements with insurance carriers, and relies on common or direct methods of perfecting business transactions with insurance carriers. This can have

1494-429: Is classified as humid continental. Ontario has three main climatic regions: In the northeastern parts of Ontario, extending south as far as Kirkland Lake , the cold waters of Hudson Bay depress summer temperatures, making it cooler than other locations at similar latitudes. The same is true on the northern shore of Lake Superior , which cools hot, humid air from the south, leading to cooler summer temperatures. Along

1577-479: Is no requirement to disclose the commission of the broker to the customer, but in New York , a regulation ("Regulation 194") was adopted in 2011 which required disclosure. Brokers or agents may decide to reveal their commission upon request. In most states, agents cannot charge a fee in addition to their commission, although Texas is one of the exceptions. Though not an absolute separation; an insurance agent

1660-512: Is something many customers (particularly businesses) choose to do in Australia for reasons including: the ease of having the "shopping around done for them"; having the opportunity for premium funding which allows for larger insurance policies to be paid in installments rather than all at once; dealing with one broker for all policies from the car insurance to professional indemnity insurance rather than dealing directly with several insurers; and,

1743-467: Is the country's most populous province . As of the 2021 Canadian census , it is home to 38.5 per cent of the country's population, and is the second-largest province by total area (after Quebec ). Ontario is Canada's fourth-largest jurisdiction in total area of all the Canadian provinces and territories. It is home to the nation's capital, Ottawa , and its most populous city, Toronto , which

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1826-460: Is the southernmost extent of Canada's mainland. Pelee Island and Middle Island in Lake Erie extend slightly farther. All are south of 42°N  – slightly farther south than the northern border of California . Ontario's climate varies by season and location. Three air sources affect it: cold, dry, arctic air from the north (dominant factor during the winter months, and for a longer part of

1909-808: The American Revolution . The Kingdom of Great Britain granted them 200 acres (81 ha) land and other items with which to rebuild their lives. The British also set up reserves in Ontario for the Mohawks who had fought for the British and had lost their land in New York state. Other Iroquois, also displaced from New York were resettled in 1784 at the Six Nations reserve at the west end of Lake Ontario. The Mississaugas, displaced by European settlements, would later move to Six Nations also. After

1992-811: The Canadian Pacific Railway (1875–1885) through Northern Ontario and the Canadian Prairies to British Columbia , Ontario manufacturing and industry flourished. However, population increases slowed after a large recession hit the province in 1893, thus slowing growth drastically but for only a few years. Many newly arrived immigrants and others moved west along the railway to the Prairie Provinces and British Columbia, sparsely settling Northern Ontario. The northern and western boundaries of Ontario were in dispute after Canadian Confederation . Ontario's right to Northwestern Ontario

2075-560: The Financial Services Reform Act 2001 to be licensed by the federal government's Australian Securities and Investments Commission (ASIC). Reputable and experienced insurance brokers in Australia will generally also hold additional qualifications such as a certificate or diploma in financial services which requires the completion of in depth studies in a specific area, the most common being general insurance or insurance brokering. Within Australia there are also

2158-571: The French Canadians . Accordingly, the two colonies were merged into the Province of Canada by the Act of Union 1840 , with the capital initially at Kingston , and Upper Canada becoming known as Canada West . Responsible government was achieved in 1848. There were heavy waves of immigration in the 1840s, and the population of Canada West more than doubled by 1851 over the previous decade. As

2241-501: The Great Lakes . Hunting and gathering remained predominant throughout the early Woodland period , and social structures and trade continued to develop. Around 500 AD , corn cultivation began, later expanding to include beans and squash around 1100 AD. Increased agriculture enabled more permanent, fortified, and significantly larger settlements. In southern Ontario during the 1400s, the population of some villages numbered in

2324-532: The Iroquoian languages . Ontario has about 250,000 freshwater lakes. The first mention of the name Ontario was in 1641, when "Ontario" was used to describe the land on the north shore of the easternmost part of the Great Lakes. It was adopted as the official name of the new province at Confederation in 1867. The thinly populated Canadian Shield , which dominates the northwestern and central portions of

2407-607: The Jésuites and Supliciens , began to establish posts along the Great Lakes. The French allied with most Indigenous groups of Ontario, all for the fur trade and for defence against Iroquois attacks (which would later be called the Iroquois Wars ). The French would declare their Indigenous allies to be subjects of the King of France and would often act as mediators between different groups. The Iroquois later allied themselves with

2490-621: The Madawaska River in Renfrew County . The Carolinian forest zone covers most of the southwestern region of the province. The temperate and fertile Great Lakes-Saint Lawrence Valley in the south is part of the Eastern Great Lakes lowland forests ecoregion where the forest has now been largely replaced by agriculture, industrial and urban development. A well-known geographic feature is Niagara Falls , part of

2573-621: The National Association of Insurance Commissioners . A state may revoke, suspend, or refuse to renew an insurance broker's license if at any time the state determines (typically after notice and a hearing) that the broker has engaged in any activity that makes him untrustworthy or incompetent. Because of industry regulation, smaller brokerage firms can easily compete with larger ones, and in most states, all insurance brokers generally are forbidden by law from providing their customers with rebates or inducements. Insurance brokers play

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2656-614: The Niagara Escarpment . The Saint Lawrence Seaway allows navigation to and from the Atlantic Ocean as far inland as Thunder Bay in Northwestern Ontario. Northern Ontario covers approximately 87% of the province's surface area; conversely, Southern Ontario contains 94% of the population. Point Pelee is a peninsula of Lake Erie in southwestern Ontario (near Windsor and Detroit, Michigan ) that

2739-701: The War of 1812 invaded Upper Canada across the Niagara River and the Detroit River , but were defeated and pushed back by the British, Canadian fencibles and militias, and First Nations warriors. However, the Americans eventually gained control of Lake Erie and Lake Ontario. The 1813 Battle of York saw American troops defeat the garrison at the Upper Canada capital of York . The Americans looted

2822-551: The "Prussians of Ontario". The regulation was eventually repealed in 1927. Influenced by events in the United States, the government of William Hearst introduced prohibition of alcoholic drinks in 1916 with the passing of the Ontario Temperance Act . However, residents could distil and retain their own personal supply, and liquor producers could continue distillation and export for sale, allowing this already sizeable industry to strengthen further. Ontario became

2905-468: The "entertainment business". After insurance coverage for a lawsuit was denied because Third Eye Blind was and is, after all, in the entertainment business, the California Court of Appeal ruled in a published opinion that a subsequent court ruling establishing that the insurer had wrongfully denied coverage—that the insurer had a duty to defend the band and had breached that duty—did not absolve

2988-711: The 1795 Jay Treaty . In 1788, while part of the province of Quebec, southern Ontario was divided into four districts : Hesse , Lunenburg , Mecklenburg , and Nassau . In 1792, the four districts were renamed: Hesse became the Western District, Lunenburg became the Eastern District, Mecklenburg became the Midland District, and Nassau became the Home District. Counties were created within the districts. The population of Canada west of

3071-469: The 1850s, between finely balanced political groups: conservative and reform groups from Canada West and Canada East aligned against reform and liberal groups from Canada East each group having some support from French-Canadian and English-Canadian legislators. There was also a fear of aggression from the United States during and immediately after the American Civil War . These factors led to

3154-497: The American War of Independence, the first reserves for First Nations were established. These are situated at Six Nations (1784), Tyendinaga (1793) and Akwesasne (1795). Six Nations and Tyendinaga were established by the British for those Indigenous groups who had fought on the side of the British, and were expelled from the new United States. Akwesasne was a pre-existing Mohawk community and its borders were formalized under

3237-681: The British. From 1634 to 1640, the Huron were devastated by European infectious diseases, such as measles and smallpox , to which they had no immunity. By 1700, the Iroquois had been driven out or left the area that would become Ontario and the Mississaugas of the Ojibwa had settled the north shore of Lake Ontario. The remaining Huron settled north of Quebec. During the French and Indian War ,

3320-680: The Canadian Shield which traverses the province from northwest to southeast and also above the Niagara Escarpment which crosses the south. The highest point is Ishpatina Ridge at 693 metres (2,274 ft) above sea level in Temagami , Northeastern Ontario. In the south, elevations of over 500 m (1,640 ft) are surpassed near Collingwood, above the Blue Mountains in the Dundalk Highlands and in hilltops near

3403-589: The Lake Superior-Hudson Bay watershed, known as the District of Keewatin ) would become part of Ontario, a victory embodied in the Canada (Ontario Boundary) Act, 1889 . He also presided over the emergence of the province into the economic powerhouse of Canada. Mowat was the creator of what is often called Empire Ontario . Beginning with Macdonald's National Policy (1879) and the construction of

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3486-648: The North American theatre of the Seven Years' War of 1754 to 1763, the British defeated the armies of New France and its Indigenous allies. In the Treaty of Paris 1763 France ceded most of its possessions in North America to Britain. Using the Quebec Act , Britain re-organised the territory into the Province of Quebec . In 1782–1784, 5,000 United Empire Loyalists entered what is now Ontario following

3569-788: The Pays-d'en-Haut was quite large and would today include the province of Ontario, as well as, in whole or in part, the American states of Minnesota, Wisconsin, Illinois, Indiana, Michigan, Ohio, Pennsylvania and New York. Indigenous peoples were the vast majority of the Pays d'en Haut population. As for Northern Ontario, the English explorer Henry Hudson sailed into Hudson Bay in 1611 and claimed its drainage basin for England. The area would become known as Rupert's Land . Samuel de Champlain reached Lake Huron in 1615, and French missionaries, such as

3652-646: The St. Lawrence-Ottawa River confluence substantially increased during this period, a fact recognized by the Constitutional Act of 1791 , which split Quebec into the Canadas : Upper Canada southwest of the St. Lawrence-Ottawa River confluence, and Lower Canada east of it. John Graves Simcoe was appointed Upper Canada's first Lieutenant governor in 1793. A second wave of Americans, not all of them necessarily loyalists moved to Upper Canada after 1790 until

3735-555: The alcohol retail monopoly are upheld. The post- World War II period was one of exceptional prosperity and growth. Ontario has been the recipients of most immigration to Canada, largely immigrants from war-torn Europe in the 1950s and 1960s and following changes in federal immigration law , a massive influx of non-Europeans since the 1970s. From a largely ethnically British province, Ontario has rapidly become culturally very diverse. The nationalist movement in Quebec, particularly after

3818-487: The broker of its duty to advise the band it needed something more than a basic CGL policy (namely, errors and omissions insurance ). In 2004, New York Attorney General Eliot Spitzer found apparent cases of bid-rigging by the major brokers, where the brokers arranged with insurers to provide "fake" quotes in exchange for providing favorable risks amidst contingent commission arrangements. In 2008, AIG paid $ 125 million to settle with 9 states. In most states there

3901-403: The business entity operates), and individual employees. In order to obtain a broker's license, a person typically must take pre-licensing courses and pass an examination. An insurance broker also must submit an application (with an application fee) to the state insurance regulator in the state in which the applicant wishes to do business, who will determine whether the insurance broker has met all

3984-474: The category " French Canadian " and in the category "Canadian"). The majority of Ontarians are of English or other European descent including large Scottish, Irish and Italian communities. Slightly less than 5 per cent of the population of Ontario is Franco-Ontarian , that is those whose native tongue is French, although those with French ancestry account for 11 per cent of the population. Compared to natural increase or interprovincial migration , immigration

4067-605: The demand for beaver pelts), reignited French interest. In 1608, Samuel de Champlain established France's first colonial settlement in New France, the Habitation de Québec (now Quebec City ), in the colony of Canada (now southern Quebec). Afterwards, French explorers continued to travel west, establishing new villages along the coasts of the Saint Lawrence River. French explorers, the first of which

4150-483: The ease of having claims managed by the broker who deals directly with the insurer on the client's behalf. In Canada, insurance brokers are regulated on a provincial and territorial basis. Insurance brokers and insurance agents are licensed and regulated by the same entity in most of Canada; either an arms-length organization, such as the General Insurance Council of Saskatchewan , or directly by

4233-485: The eastern shores of Lake Superior and Lake Huron winter temperatures are slightly moderated but come with frequent heavy lake-effect snow squalls that increase seasonal snowfall totals to upwards of 3 m (10 ft) in some places. These regions have higher annual precipitation, in some places over 100 cm (39 in). Severe thunderstorms peak in summer. Windsor , in Southern (Southwestern) Ontario, has

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4316-571: The election of the Parti Québécois in 1976, contributed to driving many businesses and English-speaking people out of Quebec to Ontario, and as a result, Toronto surpassed Montreal as the largest city and economic centre of Canada. Depressed economic conditions in the Maritime Provinces have also resulted in de-population of those provinces in the 20th century, with heavy migration into Ontario. Ontario's official language

4399-505: The establishment of Algoma District and Nipissing District in 1858. An economic boom in the 1850s coincided with railway expansion across the province, further increasing the economic strength of Central Canada. With the repeal of the Corn Laws and a reciprocity agreement in place with the United States, various industries such as timber, mining, farming and alcohol distilling benefited tremendously. A political stalemate developed in

4482-465: The extreme north and northeast are mainly swampy and sparsely forested. Southern Ontario , which is further sub-divided into four sub-regions: Central Ontario (although not actually the province's geographic centre), Eastern Ontario , Golden Horseshoe and Southwestern Ontario (parts of which were formerly referred to as Western Ontario). Despite the rarity of mountainous terrain in the province, there are large areas of uplands, particularly within

4565-585: The first people to settle on the lands of Ontario, about 11,000 years ago, after crossing the Bering land bridge from Asia to North America between 25,000 to 50,000 years ago. During the Archaic period , which lasted from 8000-1000 BC , the population slowly increased, with a generally egalitarian hunter-gatherer society and a warmer climate. Trading routes also began emerging along the St. Lawrence River and around

4648-533: The formation of the Great Coalition in the elected Legislative Assembly, which initiated a series of conferences in the 1860s to effect a broader federal union of all British North American colonies. The British North America Act took effect on July 1, 1867, establishing the Dominion of Canada, initially with the four provinces of Nova Scotia, New Brunswick, Quebec, and Ontario. The Province of Canada

4731-475: The harsh climate difficult, and some of those with the means eventually returned home or went south. However, population growth far exceeded emigration in the following decades. It was a mostly agrarian-based society, but canal projects and a new network of plank roads spurred greater trade within the colony and with the United States, thereby improving previously damaged relations over time. Meanwhile, Ontario's numerous waterways aided travel and transportation into

4814-451: The interior and supplied water power for development. As the population increased, so did the industries and transportation networks, which in turn led to further development. By the end of the century, Ontario vied with Quebec as the nation's leader in terms of growth in population, industry, arts and communications. Unrest in the colony began to chafe against the aristocratic Family Compact who governed while benefiting economically from

4897-580: The lands of Ontario: the Algonquins , Mississaugas , Ojibway , Cree , Odawa , Pottowatomi , and Iroquois . In the 15th century, the Byzantine Empire fell , prompting Western Europeans to search for new sea routes to the Far East . Around 1522–1523, Giovanni da Verrazzano persuaded King Francis I of France to commission an expedition to find a western route to Cathay (China) via

4980-427: The late 19th century, leading to the rise of important mining centres in the northeast, such as Sudbury , Cobalt and Timmins . The province harnessed its water power to generate hydro-electric power and created the state-controlled Hydro-Electric Power Commission of Ontario, later Ontario Hydro . The availability of cheap electric power further facilitated the development of industry. The Ford Motor Company of Canada

5063-578: The most lightning strikes per year in Canada, averaging 33 days of thunderstorm activity per year. In a typical year, Ontario averages 11 confirmed tornado touchdowns. Ontario had a record 29 tornadoes in both 2006 and 2009. Tropical depression remnants occasionally bring heavy rains and winds in the south, but are rarely deadly. A notable exception was Hurricane Hazel which struck Southern Ontario centred on Toronto, in October 1954. Paleo-Indians were

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5146-512: The new areas in which it was interested were rapidly growing. After the federal government asked Ontario to pay for construction in the new disputed area, the province asked for an elaboration on its limits, and its boundary was moved north to the 51st parallel north . Once constituted as a province, Ontario proceeded to assert its economic and legislative power. In 1872, the lawyer Oliver Mowat became Premier of Ontario and remained as premier until 1896. He fought for provincial rights, weakening

5229-579: The onset of new regulation in 2001. This drove a more transparent regime, based predominantly on upfront negotiation of a fee for the provision of advice and/or services. This saw the splitting of intermediaries into two groups: general insurance intermediaries/brokers and independent financial advisers (IFAs) for life insurance, investments and pensions . General insurance brokering is carried out today by many types of authorized organisations including traditional high street brokers and telephone or web-based firms. The British Insurance Brokers' Association

5312-418: The person is acting on behalf of the insured or insurer. The term insurance producers is used to reference both insurance agents and brokers. As in many industries, there is a trend toward disintermediation where consumers buy directly from the insurer without an intermediary. However, the $ 46 billion online vehicle , home, and life insurance markets for retail consumers have accelerated since 2012, with

5395-743: The power of the federal government in provincial matters, usually through well-argued appeals to the Judicial Committee of the Privy Council. His battles with the federal government greatly decentralized Canada, giving the provinces far more power than John A. Macdonald had intended. He consolidated and expanded Ontario's educational and provincial institutions, created districts in Northern Ontario, and fought to ensure that those parts of Northwestern Ontario not historically part of Upper Canada (the vast areas north and west of

5478-609: The pre-war of 1812, many seeking available cheap land, and at the time, lower taxation. By 1798, there were eight districts: Eastern, Home, Johnstown , London , Midland, Newcastle , Niagara , and Western. By 1826, there were eleven districts: Bathurst , Eastern, Gore , Home, Johnstown, London, Midland, Newcastle, Niagara, Ottawa , and Western. By 1838, there were twenty districts: Bathurst, Brock, Colbourne, Dalhousie , Eastern, Gore, Home, Huron, Johnstown, London, Midland, Newcastle, Niagara, Ottawa, Prince Edward, Simcoe , Talbot, Victoria, Wellington , and Western. American troops in

5561-409: The province, comprises over half the land area of Ontario. Although this area mostly does not support agriculture, it is rich in minerals , partly covered by the Central and Midwestern Canadian Shield forests , and studded with lakes and rivers. Northern Ontario is subdivided into two sub-regions: Northwestern Ontario and Northeastern Ontario . The virtually unpopulated Hudson Bay Lowlands in

5644-473: The provision of services that are unrelated to the insurance procured through the broker to be an impermissible rebate or inducement. Negligence on the part of insurance brokers can have severe effects upon clients when they discover their insurance coverage is worthless. In one case, Near North Entertainment Insurance Services provided alternative rock band Third Eye Blind with a commercial general liability (CGL) insurance policy that excluded coverage for

5727-424: The rebellion was quickly a failure. William Lyon Mackenzie escaped to the United States , where he declared the Republic of Canada on Navy Island on the Niagara River . Although both rebellions were put down in short order, the British government sent Lord Durham to investigate the causes. He recommended responsible government be granted, and Lower and Upper Canada be re-joined in an attempt to assimilate

5810-412: The region's resources, and who did not allow elected bodies power. This resentment spurred republican ideals and sowed the seeds for early Canadian nationalism . Accordingly, rebellion in favour of responsible government rose in both regions; Louis-Joseph Papineau led the Lower Canada Rebellion and William Lyon Mackenzie , first Toronto mayor , led the Upper Canada Rebellion . In Upper Canada ,

5893-511: The repeal of the 1977 Act. The sale of general insurance was regulated by the Financial Services Authority from 14 January 2005 until 31 March 2013 and by the Financial Conduct Authority since 1 April 2013. Any person or firm authorized by the Authority can now call themselves an insurance broker. Insurance brokerage is largely associated with general insurance (car, house etc.) rather than life insurance , although some brokers continued to provide investment and life insurance brokerage until

5976-533: The rise of insurance comparison websites.   Publicly traded companies Amazon, Walmart, and Google continue to disrupt how consumers purchase insurance with varying success. Google, later exited the online insurance comparison market in 2016, and Allstate threatened to shutter their online consumer brand Esurance after disappointing profits. Ontario Ontario is the southernmost province of Canada . Located in Central Canada , Ontario

6059-439: The state requirements and will typically do a background check to determine whether the applicant is considered trustworthy and competent. A criminal conviction, for example, may result in a state determining that the applicant is untrustworthy or incompetent. Some states also require applicants to submit fingerprints. Once licensed, an insurance broker generally must take continuing education courses when their licenses reach

6142-546: The thousands, with longhouses that could house over a hundred people. Around this time, large-scale warfare began in southern Ontario, leading to the emergence of Iroquoian groups, including the Neutral Confederacy , Erie and Wendat (Huron). Groups in northern Ontario were primarily Algonquian and included the Ojibwe , who traded with the Iroquois. Many ethnocultural groups emerged and came to exist on

6225-675: The town and burned the Upper Canada Parliament Buildings during their brief occupation. The British would burn the American capital of Washington, D.C. in 1814. After the War of 1812, relative stability allowed for increasing numbers of immigrants to arrive from Europe rather than from the United States. As was the case in the previous decades, this immigration shift was encouraged by the colonial leaders. Despite affordable and often free land, many arriving newcomers, mostly from Britain and Ireland, found frontier life with

6308-592: The westerly Lake of the Woods , eastward along the major rivers and lakes of the Great Lakes / Saint Lawrence River drainage system. There is only about 1 km ( 5 ⁄ 8  mi) of actual land border, made up of portages including Height of Land Portage on the Minnesota border. The great majority of Ontario's population and arable land is in Southern Ontario , and while agriculture remains

6391-516: The year in far northern Ontario); Pacific polar air crossing in from the western Canadian Prairies/US Northern Plains ; and warm, moist air from the Gulf of Mexico and the Atlantic Ocean. The effects of these major air masses on temperature and precipitation depend mainly on latitude, proximity to major bodies of water and to a small extent, terrain relief. In general, most of Ontario's climate

6474-531: Was Étienne Brûlé who explored the Georgian Bay area in 1610–1612, mapped Southern Ontario and called the region the Pays d'en Haut ("Upper Country"), in reference to the region being upstream of the Saint Lawrence River. The colony of the Pays d'en Haut was formally established in 1610 as an administrative dependency of Canada, and was for defence and business rather than a settlement colony. The territory of

6557-529: Was a defendant in two lawsuits financed by the Justice Centre for Constitutional Freedoms . The first challenged the revocation of an "ASIMIL8" license plate on the basis of a single complaint. Its owner, Nicholas Troller, testified that the plate was a reference to Star Trek . The second aimed to reinstate an "NDN CAR" license plate, previously issued to Bruce Spence to celebrate his " Indian " heritage. Insurance broker An insurance broker

6640-641: Was determined by the Judicial Committee of the Privy Council in 1884 and confirmed by the Canada (Ontario Boundary) Act, 1889 of the Parliament of the United Kingdom . By 1899, there were seven northern districts: Algoma, Manitoulin, Muskoka, Nipissing, Parry Sound, Rainy River, and Thunder Bay. Four more northern districts were created between 1907 and 1912: Cochrane, Kenora, Sudbury and Timiskaming. Mineral exploitation accelerated in

6723-616: Was divided into Ontario and Quebec so that each linguistic group would have its own province. Both Quebec and Ontario were required by section 93 of the British North America Act to safeguard existing educational rights and privileges of the Protestant and Catholic minorities. Thus, separate Catholic schools and school boards were permitted in Ontario. However, neither province had a constitutional requirement to protect its French- or English-speaking minority. Toronto

6806-647: Was established in 1904 and the McLaughlin Motor Car Company (later General Motors Canada ) was founded in 1907. The motor vehicle industry became the most lucrative industry for the Ontario economy during the 20th century. In July 1912, the Conservative government of James Whitney issued Regulation 17 which severely limited the availability of French-language schooling to the province's French-speaking minority. French Canadians reacted with outrage, journalist Henri Bourassa denouncing

6889-512: Was formally established as Ontario's provincial capital. The borders of Ontario, its new name in 1867, were provisionally expanded north and west. When the Province of Canada was formed, its borders were not entirely clear, and Ontario claimed eventually to reach all the way to the Rocky Mountains and Arctic Ocean . With Canada's acquisition of Rupert's Land, Ontario was interested in clearly defining its borders, especially since some of

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