Claims F.A.Q.

Claims Examples- Immigration Consultants

How do I report a claim?

You can report a claim directly to Encon using 3 different methods as follows:

Email (claims reporting):
Telephone: 1-800-267-6684
Facsimile: 1-613-786-2001

Encon online link:

What type of claims does the ICCRC insurance program cover?

The ICCRC insurance plan covers claims for an error, omission or a negligent act in the rendering of services as an Immigration Consultant in accordance with regulations of the ICCRC.

When should I report a potential claim?

Any alleged or potential claim received by an ICCRC member (verbally or in writing) should be reported promptly to Encon. If an ICCRC member is aware of any circumstance which could reasonably give rise to a CLAIM, the ICCRC member shall give written notice thereof to ENCON as soon as practicable. In other words, do not ignore circumstances and report any third party complaints against you immediately, so Encon can properly investigate the claim on your behalf.

Who’s responsibility is it to report a potential claim?

It is the responsibility and obligation of the ICCRC member to personally report any potential or alleged claim to Encon. Upon receiving verbal or written notice, the claim should be reported directly by the Insured (ICCRC member) and under most circumstances, should not be received from the third party making the actual complaint against the ICCRC member. Encon needs the ICCRC members version to confirm the specific details of the alleged claim and to determine coverage under the program.

Who is covered under the insurance coverage for claims?

ICCRC members that have enrolled in the ICCRC insurance program and any present or former employee while acting within their scope of their duties.

Do I have to pay a deductible on a claim?

Yes, a $500 deductible is applied per loss and will be the responsibility of the individual ICCRC member.

Will the ICCRC know about my claim?

Yes, the application process authorizes claims information to be released by Encon to the Registrar of the ICCRC for review of member conduct and for educational purposes. All claims information is handled with confidentiality.

Will my rates go up for making a claim?

The overall claims results of the entire program will have an impact on the rates and are reviewed annually. Individual claims are currently not being surcharged but subject to review on an ongoing basis depending on the circumstances.

Who should I call if I have any questions about my claim?

A claims adjuster will be assigned by Encon to review your claim and will contact you to discuss the claim. Encon claims can be reached at 1-800-267-6684. You can also call your broker, Smith Petrie Carr and Scott Insurance Brokers for claims follow up or assistance with claims service at 1-877-432-5118.

Who is Encon Insurance Managers?

Encon insurance Managers underwrite the ICCRC insurance program. ENCON Group Inc. has been a trusted name in professional liability for many years. As a leading managing general agent in Canada, Encon offers insurance programs for individuals, professionals, organizations and businesses, which are available exclusively through brokers and plan advisors across the country.

Encon’s insurance programs are underwritten by a select group of carriers who have demonstrated leadership in the industry. With offices in Edmonton, Ottawa, and Mississauga, Encon has more than 240 employees across the country.

For more information, please visit Encon’s website at

Who is Smith Petrie Carr and Scott Insurance Brokers?

Established in 1969, Smith Petrie Carr and Scott Insurance Brokers has evolved into one of the largest independent Insurance Brokerages in Eastern Ontario. Our team of over 40 licensed insurance professionals pride themselves on serving the needs of our clients by specializing in niche insurance products. We offer a wide range of insurance solutions for large employers and associations including affinity commercial programs, group home and auto insurance, plus life and group health benefit plans.

We have received many industry awards including IBAO Brokerage of the Year, we are a certified Gold Seal Broker for meeting industry business standards and a member of a select best practices organization called Canadian Broker Network.

As your broker, we represent you in the insurance transaction. We have access to multiple insurance markets and assist you in placing insurance coverage with the best matched insurance company, based on your needs for coverage, meeting our service standards and competitive insurance terms.