As your registered Insurance Broker, we purchase insurance products and services on your behalf which are available, affordable and understandable.
Our role is to provide you with the best insurance value combining coverage, service and cost. We also provide personalized quality service which includes professional insurance advice, ongoing policy review and claims support. When any issue arises regarding your insurance coverage, we are your advocates, using our professional experience to best represent your individual interest.
Broker compensation forms part of your insurance premium. From the commission we receive, we pay the costs of running our business. In compliance with the RIBO act, we include a list of the insurers we represent along with the average commission included in your premium.
Automobile Insurers
- Chubb Insurance: 10%
- Aviva: 12.5%
- CAA: 12.5%
- Coachman Insurance Company: 12.5%
- Economical Insurance: 12.5%
- Intact Insurance: 5% – 12.5%
- Gore Mutual: 12.5%
- Hagerty Insurance: 12.5%
- Travelers Canada: 12.5%
- SGI: 12.5%
- Wawanesa Insurance: 12.5%
- Facility Association: 10% up to a max of $370
Property/Casualty Insurers
- Aviva: 20%
- Chubb Insurance: 20%
- Economical Insurance: 20%
- Intact Insurance: 20%
- Travelers Canada: 20%
- SGI: 20%
- Gore Mutual: 20%
- Wawanesa Insurance: 20%
- Wholesalers: 10% to 15%
The commission percentage is paid annually for both new and renewal business.
In order for us to maintain and develop strong relationships with quality insurers, we work with each carrier to grow business in their target class of insurance. Many of the companies listed above recognize broker efforts through a contingent profit contract which depends on a combination of growth, profitability (loss ratios), volume, retention and increased services that we provide on behalf of the insurer. Contingent profit is not guaranteed.
We do not have any other financial interests with any of our insurers.