Personal Lines

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 your insurance premium. For your benefit, we have listed below Insurers that we represent in Personal Lines.

April Marine 15-20%
Aviva Group of Companies 5-15% 15-20%
CAA Insurance 5-15% 15-20%
Caradoc Townsend Mutual 5-15% 15-20%
Chubb Insurance 5-15% 15-20%
Dominion of Canada/Travelers/Travelers Essential 5-15% 15-20%
Economical Group of Companies (Definity) 5-15% 15-20%
Facility Association* 5-15%
Forward Insurance 15-20%
Gore Mutual 5-15% 15-20%
Intact 5-15% 15-20%
Jevco 5-15%
Northbridge 5-15% 15-20%
Pembridge 5-15%
Premier Marine 15-20%
SGI 5-15% 15-20%
Travelers 5-15%
Unica 5-15% 15-20%
Wawanesa 5-15% 15-20%

* commission is capped at $370.00

Commission percentages are paid annually for both new business and renewals.

In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. Some of the Insurers recognize our efforts through a Contingent (Profit) Commission contract. Payment of this Contingent (Profit) Commission may depend on 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 any questions regarding this or any other aspect of your insurance, please contact us.

Commercial Lines

Brokerage compensation is part of your insurance premium. For your benefit, we have listed below Insurance companies that we represent in Commercial Lines for commercial automobile and/or property insurance.

Allianz Global Risks
Aviva Group of Companies
The Boiler Inspection and Indemnity Company (BI&I)
Caradoc Townsend Mutual
Chubb Insurance
CAN - Continental Insurance
Coachman Insurance
Facility Association
Economical Group of Companies (Definity)
Gore Mutual
Intact Public Entities
Old Republic
Sovereign General

Commission percentage is paid annually for both new business and renewals and ranges from 5 -20%.

We also work with various MGA’s (Managing General Agencies) who act as insurance intermediaries, as follows.

ABEX o/b Affiliated Broker Exchange
A.M. Fredericks Underwriting
Ambri Assurance
April Canada Inc.
Arthur J. Gallagher & Co
AVRO Insurance Managers
Beazley Canada Limited
Berkley Insurance Company
Brownstone Insurance Managers
Burns & Wilcox Canada
Cansure Underwriting Ltd
Ches Special Risk Inc.
Chutter Underwriting Services
Core Underwriting Services
Eagle Underwriting Group Inc.
Excess Underwriting Corp.
Forward Insurance
Global Aerospace Underwriting
GroupOne Insurance
HDI Global Specialty SE
Liberty International Canada
Lynx Insurance Underwriters
PAL Insurance Brokers Canada
Premier Canada Assurance
Premium Marine
Revolution Advanced Underwriting
Signature Risks
Starr Technical Risks
Trans Canada
South Western Group
Special Risk Insurance
Strategic Underwriting
Sports & Fitness Insurance
Summit Underwriting Group Inc.
The Totten Insurance Group
Trinity Underwriting
Unique Risks
Victor Insurance

Commission percentage is paid annually for both new business and renewals and ranges from 2– 25%.

Additional fees may apply for inspections or a commission fee may apply which is disclosed on your policy and/or invoice.