D-9.2, r. 5 - Code of ethics of damage insurance representatives

Section 37 Disposition versions

2012-09-01

37. The fact that a damage insurance representative acts contrary to the honour and dignity of the profession constitutes a breach of the Code of ethics, including:

(1)  carrying on activities dishonestly or negligently;

(2)  carrying on activities under conditions or in situations likely to compromise the quality of his services;

(3)  taking into account the intervention of a third party that could affect the carrying out of his professional duties to the detriment of his client or the insured;

(4)  failing to report on the carrying out of any mandate;

(5)  failing to act with integrity towards his clients;

(6)  failing to act as a conscientious advisor by not informing his clients of their rights and obligations and not giving them all necessary or useful informations;

(7)  making a statement which is false, misleading or liable to be misleading;

(8)  using or appropriating, for personal purposes, money or securities entrusted to him in the carrying out of any mandate, whether the activities carried on by the representative are in the sector of damage insurance or in another sector contemplated in the Act;

(9)  participating in gathering or in conserving evidence or a document that he knows is false;

(10)  concealing or knowingly withholding that which a legislative or regulatory provision requires him to disclose;

(11)  advising or encouraging a client to do something that the representative knows is illegal or fraudulent;

(12)  carrying on activities with persons not authorized to carry on such activities by the Act or the regulations thereunder, or using their services to do so;

(13)  charging for professional services not rendered or falsely described;

(14)  insistently or repeatedly urging a person to use his professional services.

O.C. 1041-99, s. 37.