The disciplinary committee of Quebec’s Chambre de l'assurance fined Johanne Tessier (certificate No. 158067), a damage insurance representative, $4,000 for providing false information to L'Unique General insurance when submitting a client’s insurance application, resulting in the retroactive cancellation (ab initio) of the client’s policy.
The respondent pleaded guilty to the sole count in the disciplinary complaint. She should not be confused with Johanne Tessier (certificate No. 139351), a former claims adjuster who is not involved in this sanction. The decision, rendered only in French on August 18 2026, addresses both guilt and sanction.
Based on the admitted facts, the respondent was found guilty of contravening section 37(1) of the Code of ethics of damage insurance representatives, which requires representatives to provide accurate information to the insurer.
It all began on March 21, 2021, when the client contacted the respondent to obtain an automobile insurance quote. The evidence shows that he informed her at the time that his policy had been cancelled by Desjardins General insurance and that he was now insured by Pafco Insurance Company.
Despite this information, Tessier submitted an application to L'Unique falsely stating that the client was insured by Desjardins and answered “no” to the question about previous cancellations.
The policy was issued on March 31, 2021, with an annual premium of $1,571.54. Two years later, on April 20, 2023, L'Unique...
The disciplinary committee of Quebec’s Chambre de l'assurance fined Johanne Tessier (certificate No. 158067), a damage insurance representative, $4,000 for providing false information to L'Unique ...