Thank you for your business. As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable and understandable.
Our role is to provide you with the best insurance value that combines coverage, service and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance, and claims support. If any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.
Brokerage compensation is part of your insurance premium. For your benefit, we have listed below the names of the insurance companies we represent and have included the range of compensation each provides as a percentage of your overall premium.Personal Lines Auto
Company |
Automobile |
Property/Liability |
Contingent Profit |
Axa Insurance |
10%-12.50% |
15%-20% |
* |
Boiler Inspection & Insurance |
N/A |
12.50%-15% |
|
Coachman Insurance Company |
10%-12.50% |
15%-20% |
* |
Dominion of Canada |
10%-12.50% |
15%-20% |
* |
Ecclesiastical Insurance |
N/A |
15% |
|
Elliott Special Risk |
N/A |
10%-12.50% |
|
Encon Group Inc. |
N/A |
10%-15% |
|
Genmark Insurance Services Inc. |
N/A |
12.50% |
|
Markel Insurance Company |
10% |
N/A |
|
Nordic Insurance Company |
7.50%-10% |
N/A |
|
ING/INTACT Insurance Company |
10%-12.50% |
15%-20% |
* |
Kingsway General Insurance |
5%-12.50% |
12.50%-20% |
|
Portage Mutual Insurance |
10%-12.50% |
15%-20% |
* |
Royal & SunAlliance Insurance |
10%-12.50% |
15%-20% |
* |
South Western Insurance Group |
10% |
10%-12.50% |
|
Wawanesa Insurance |
10%-12.50% |
15%-20% |
* |
Wholesale Insurance Group |
N/A |
10%-12.50% |
|
York Fire and Casualty |
10%-12.50% |
15%-20% |
* |
Zurich Canada |
10%-12.50% |
15%-20% |
* |
This commission percentage is paid annually for both new business and renewals.
Should there be a change in the commission schedule we receive from your insurer, or any other material change that affects compensation arrangements, we will notify you.
In order for us to maintain strong relationships with insurance companies, we work with each to provide the type of business they desire. The Insurance companies with an asterisk noted above recognize our efforts through a Contingent (Profit) Commission contract. Payment of the Contingent (Profit) Commission may depend on a combination of growth, profitability/ (loss ratio), volume, retention and increased services that we provide on behalf of the Insurance Company. Contingent (Profit) Commission is not guaranteed. It is based on the average results over a three-year period and is not related to any one particular customer or group of customers. For detailed information on Contingent Commission, please go to the individual company’s website.
Your insurer will be providing you with a Consumer Code of Rights and Responsibilities that will be forwarded to you with your policy. If you have any questions regarding this or any other aspect of your insurance, please contact us.