Taylor’s automobile policy has not been renewed by their insurer as one of the listed...

The best answer is A because the broker’s role is not only to pass along the insurer’s decision, but also to actively advise the client, explore available markets, and communicate the non-renewal properly in writing . Ontario consumer guidance says a policyholder has the right to be informed in writing if the policy is not being renewed and also to know from which companies the broker received quotes and the amounts . Those points support a broker process that includes formal written notice plus remarketing and discussion of options with the client.

Option B is incomplete because simply re-quoting and sending an application skips the important advisory step and does not address the formal non-renewal communication. Option C is also incomplete because waiting passively for the client’s instructions does not meet the broker’s value-added duty to seek alternatives and guide the client. Option D is inappropriate because a listed driver cannot just be removed merely to force a renewal unless that change is accurate, valid, and agreed to; the OAP 1 requires insureds to provide true, prompt notice of changes affecting risk and underwriting.

With 60 days remaining, the most professional broker action is to notify, remarket, and advise .