Disclosure
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.
| COMPANY | AUTOMOBILE | PROPERTY |
| 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.
| COMPANY |
| 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) |
| Echelon |
| Gore Mutual |
| Intact |
| Intact Public Entities |
| Jevco |
| Markel |
| Northbridge |
| Old Republic |
| Optimum |
| Pembridge |
| Pafco |
| SGI |
| Sovereign General |
| Travelers |
| Unica |
| Wawanesa |
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.
| AGENCY |
| 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 |
| GroupAssure |
| GroupOne Insurance |
| HDI Global Specialty SE |
| Liberty International Canada |
| Lynx Insurance Underwriters |
| Optiom |
| PAL Insurance Brokers Canada |
| Premier Canada Assurance |
| Premium Marine |
| Revolution Advanced Underwriting |
| Signal |
| 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.