Corporate Disclosures
In complying with RIBO (Registered Insurance Brokers Ontario) and CISRO principles, we are required to share information with our customers.
In complying with RIBO (Registered Insurance Brokers Ontario) and CISRO principles, we are required to share information with our customers.
Compensation Disclosure
Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized service that includes professional advice, ongoing policy maintenance and claims support. When an issue arises regarding your insurance coverage, we are your advocate using our experience and leverage with our insurance companies to best represent your interests.
Commission Breakdown
Broker compensation is part of your premiums. For your benefit, we have listed below our contracted insurance companies.
Insurance Company
Personal Property
Personal Automobile
Commercial Automobile
Commercial Property/Other
ABEX
15%
15%
AIG Insurance Canada
10-20%
Atradius
15-17.5%
Aviva Canada
15-20%
10-12.5%
7.5 -12.5%
10-25%
Burns & Wilcox
12.5-15%
10-15%
CFC Underwriting
20-25%
Chubb Insurance Canada
15-20%
10-12.5%
12.5%
10-20%
Coalition
15%
Forward Insurance
15%
15%
Gore Mutual
20%
10-12.5%
7.5-12.5%
15-20%
Hagerty Insurance
12.5%
HDI Insurance
15-20%
HD Mutual
20%
10-12.5%
12.5%
20%
HSB Canada
15-20%
Intact Insurance
20%
10-12.5%
10-12.5%
15-32%
Lynx Underwriters
10%
Markel
15-25%
Max Insurance
20%
10-25%
Milnco
10-15%
Nordic Insurance Company of Canada
Northbridge Insurance
20%
10-12.5%
7.5-12.5%
7.5-30%
Old Republic Insurance
10%
10%
Pembridge Insurance
20%
10-12.5%
Premier
15-20%
Prorisk
15%
Pure Insurance Canada
20%
12.5%
Revau
15%
Rise Underwriting Solutions
Sovereign General Insurance Co
12.5%
15-20%
SPG Canada
15%
SRIM
15%
SWG
15%
Unica Insurance
15-20%
12.5%
12.5%
15-20%
Victor
12.5-15%
Wawanesa Mutual Insurance Company
15-20%
10-12.5%
7.5-12.5%
20%
Zurich Insurance Company Ltd
10-12.5%
12.5-30%
We are paid commissions for each policy that we issue (new business and renewals) which ranges according to the table above. We will notify clients if this commission structure changes or if commissions increase.