Broker Compensation

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. When 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 our insurance premium. For your benefit, we have listed below Automobile Insurers that we represent and have included the range of compensation each provides as a percentage of our or your overall premium.

Carrier Commission Rate Carrier Commission Rate
* Aviva 13% Kingsway General 5 - 12.5%
* Intact 12.5% * Pafco 12.5%
* Wawanesa 12.5% Facility Association 11% **
* Waterloo 10% Perth 12.5%
* Economical 12.5% * Royal Sun Alliance 12.5%

**Commission is capped at $250.00.

This commission percentage is paid for both new business and renewals. Should there be an increase in the commission schedule we receive from your insurer, or, any other material change that effects the compensation arrangements, we will notify you. In order to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire.

The Insurers with the asterisk noted above recognize our efforts through Contingent (Profit) Commission contract. Payment of this 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 Insurer. Contingent (Profit) Commission is not guaranteed. 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 which will be forwarded to you with your new business policy.

If you have questions regarding this or any other aspect of your insurance please contact us.