Insurance documents for the digital consumer

Michael Spiar, Broker Relations & Communications Specialist, CSIO | Manitoba Insurance Broker, Aug. 2018

First, imagine a world where consumers receive their insurance policy documents over email: no apps, no website log-ins, no paper, no filing cabinets. Next, imagine that your brokerage could provide that digital experience at no additional cost.

Finally, stop imagining. With CSIO’s My Proof of Insurance eDelivery solution, that world is already a reality.

This solution means brokers and consumers can say good-bye to paper, delivering digital policy documents for both personal and commercial lines. What’s more, it is available to all CSIO members as a core benefit. If your brokerage is a member of IBAM, you’re automatically a member of CSIO.

“My Proof of Insurance represents a potential win-win for brokers and consumers,” says Grant Wainikka, IBAM CEO. “This solution provides another valuable service delivery option for brokers to consider in an ever-changing marketplace.”

Hundreds of brokerages across Canada have signed up since the solution launched in February, sending thousands of digital documents to insureds in a short amount of time.

Consumer Focus

CSIO conducted extensive market research to better understand consumer expectations and behaviours prior to developing this solution, ensuring that it would meet those expectations upon launch. The data showed:

  • 74% of consumers want to receive their insurance documents electronically (Insurance Bureau of Canada)
  • Only 4% of Canadians have downloaded an insurance app (Forrester Research)
  • Mobile app installations in the United States decreased by 38% from 2014-2016 (Adobe Digital Insights)

The research found that consumers minimize the number of apps they download, saving memory for photos and videos. The apps they do download are the ones that see regular use, such as social media, banking and games. Furthermore, consumers do not want to manage additional usernames, passwords, and security validation – a requirement for many mobile apps and online portals.

In short, consumers want a straightforward experience where insurance documents come to them through the simplest means possible. My Proof of Insurance meets this desire by delivering policy documents through a technology that consumers already use in their everyday life: email.

To provide consumers with a consistent experience regardless of their insurance provider, all emails come from the “” domain. In addition, to support brokers in communicating the benefits of this solution to the public, CSIO has launched the consumer-facing informational website The content includes an educational video, step-by-step instructions, and an FAQ section.


What is it? My Proof of Insurance is a solution for CSIO member brokers and carriers (including all members of IBAS) to send digital policy documents to consumers over email – no apps, portals or log-ins required.

Can I brand the emails sent to my customers? Yes! Your logo will be included in all emails sent, and you may customize your email template.

Do my carrier partners have to sign up as well? No. You can send documents for personal and commercial lines to consumers insured by any market, any time.

Does it integrate with my BMS? Yes! As of this writing, the following BMS vendors have announced integrations with My Proof of Insurance:

  • Applied TAM - available as of TAM 2018 or later
  • Applied EPIC - TBA
  • Brokercore - Available as of Q4 2018
  • Custom Software Solutions Inc. (TBW) - TBA
  • Deltek - Now available (version 1.15.60 and later)
  • Keal SIG - Now available (version 2018.01 and later)
  • Mastercom - Now available (version 9.7 and later)
  • Policy Works - Available as of September 2018
  • Zycomp (Power Broker) - Now available (version 4.33.1 and later)

Contact your vendor for details.

Where can I learn more and create an account for my brokerage?

Getting started

Brokerage registration and setup for the My Proof of Insurance eDelivery solution takes as little as one business day:

  1. Personal account on Members of IBAM are automatically members of CSIO and are encouraged to create their account.
  2. Brokerage CSIOnet mailbox.
  3. Brokerage logo file.
  4. Designated Organization Administrator to manage your brokerage’s My Proof of Insurance account.

Registration is available at Once the form is submitted, your Organization Administrator will receive a confirmation email with login credentials and a welcome email including a user guide, staff training resources, and consumer marketing materials.

Learn More

CSIO provides regular webinars on My Proof of Insurance for brokers to attend and ask any questions they may have. “These webinar walkthroughs have been very helpful in demonstrating the solution’s key benefits and functionality,” says Catherine Smola, president and CEO of CSIO. “We are committed to educating the entire P&C industry about this solution, supporting our members in their efforts to create a digital experience for their consumers.”

Visit for registration and more information on the My Proof of Insurance eDelivery solution, including videos and upcoming webinars.