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.
| Insurer | Commission |
| ABEX Affiliated Broker Exchange | 7% to 20% |
| Affiliated Insurance Brokers | 7% to 20% |
| AFN Insurance Brokers | 7% to 20% |
| AIG | 7% to 20% |
| Alesco | 7% to 20% |
| Allianz Global | 7% to 20% |
| Allied World Assurance Company | 7% to 20% |
| AllSport Insurance Marketing | 7% to 20% |
| Apollo Insurance Solutions | 7% to 25% |
| APRIL Canada | 7% to 20% |
| ARAG Legal Solutions | 7% to 20% |
| Arch Insurance | 7% to 20% |
| Ascent Underwriting | 7% to 22% |
| Aurora Underwriting Services | 7% to 20% |
| Aviva* | 7% to 25% |
| AVRO Insurance Managers | 7% to 20% |
| AXA XL | 7% to 20% |
| AXIS PRO Canada | 7% to 20% |
| Beacon Underwriting | 7% to 20% |
| Berkley Insurance Company | 7% to 20% |
| Beazley Canada | 7% to 22.5% |
| Beck Glass | 7% to 37% |
| Berkley Canada | 7% to 20% |
| BI&I | 7% to 20% |
| BMS Group | 16.5% |
| Boiler Inspection & Insurance | 20% |
| Boxx Insurance | 15% to 17.5% |
| Brokerlink | 16% |
| Burns & Wilcox | 7% to 20% |
| Cambrian Special Risks | 15% |
| Canadian Northern Sheilds | 7% to 20% |
| Canada Worldwide Brokers | 15% |
| Canadian Aviation Insurance | 10% |
| Canada Northern Shield | 20% |
| Cansure | 7% to 20% |
| Certain Underwriters at Lloyd’s of London* | 7% to 20% |
| C N A* | 7% to 20% |
| CFC | 7% to 20% |
| Chubb* | 7% to 20% |
| Chutter Underwriting Services | 15% to 20% |
| Coast Underwriters | 12.5% to 20% |
| Colwood Insurance Services | 15% |
| Ecclesiastical* | 7% to 20% |
| Economical/Definity* | 7% to 20% |
| Elliott Special Risks | 7% to 20% |
| Gore Mutual* | 7% to 20% |
| Industrial Alliance Insurance and Financial Services Inc. | 10% to 25% |
| Intact* | 7% to 20% |
| JEVCO Insurance Company | 7% to 20% |
| K & K Insurance Group | 7% to 20% |
| Liberty | 7% to 20% |
| Northbridge General insurance Corporation* | 7% to 30% |
| Old Republic* | 7% to 20% |
| Peace Hills* | 7% to 20% |
| Peel Mutual* | 7% to 20% |
| Pembridge/Pafco* | 7% to 20% |
| Premier Canada | 7% to 20% |
| Royal and Sun Alliance* | 7% to 20% |
| SGI Canada* | 7% to 20% |
| Sovereign* | 7% to 20% |
| Special Risk Insurance Managers | 7% to 20% |
| Trans Canada Insurance Marketing | 15% |
| Travelers* | 7% to 20% |
| Trinity Underwriting | 15% |
| Trisura* | 7% to 20% |
| TruStar Underwriting | 15% |
| TSW Management Services | 12.5% |
| TuGo | 15% to 40% |
| Ufans Insurance Services | 10% |
| Unique Risks | 15% |
| Universal Underwriting Managers | 15% |
| Victor* | 7% to 20% |
| Wawanesa* | 7% to 20% |
| Western Underwriting Managers | 15% |
| Westport | 15% |
| Wynward | 20% |
| Xpert Underwriting | 15% |
| Zurich* | 7% to 20% |
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.
Contingent Bonuses
In order for us to maintain strong relationships with our contracted insurance companies we work with them to place business that best fits their target niches. Some insurance companies provide an incentive through profit sharing arrangements if we achieve certain growth, retention and portfolio profitability targets. The insurance companies noted with a star(*) beside their name have these arrangements in place with our office. These contingent bonuses are never guaranteed and do not influence where we place our clients’ business.
Your insurance company should have provided you with a consumer code of rights and responsibilities. If you do not have a copy it can easily be obtained from their website. If you have any questions regarding this or any other aspect of your insurance please contact us.