Our Broker Compensation

Thank you for your business. 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 benefit, we have listed the Insurers we represent and have included the range of compensation each provides as a percentage of your overall premium.

This commission percentage is 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. The Insurers with an asterisk noted recognize our efforts through a Contingent (Profit) Commission contract. Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ration), volume, retention and increased services that we provide on behalf of the Insurer. Contingent (Profit) Commission is not guaranteed. For detailed information on the Contingent Commission please go to the individual company's web site.

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.

PERSONAL LINE

AUTOMOBILE INSURERS

Aviva*

10%-12.5%

AXA Canada*

10%-12.5%

Chieftan*

12.5%

Dominion of Canada

7.5%-12.5%

Echelon General

12.5%

Facility (Nordic)**

6%-10%

Farmers’ Mutual*

12.5%

ING* 

20%

Jevco

15%

Kingsway General

5%-12.5%

Optimum Frontier*

12.5%

Pafco*

10%-12.5%

Pembridge

10%-12.5%

Aviva Pilot*

7.5%-17.5%

West Wawanosh*

10%

York Fire & Casualty

10%-12.5%

 

PROPERTY INSURERS

Aviva Elite*

20%

AXA Canada*

20%

Chieftan*

12.5%

Dominion of Canada*

20%

Farmers’ Mutual*

15%-20%

ING* 

20%

Optimum Frontier*

20%

Pembridge

20%

Aviva Pilot*

15%-24%

West Wawanosh*

17%-20%

York Fire & Casualty

20%
   

COMMERCIAL LINE

AUTOMOBILE INSURERS

Aviva*

12.5%

AXA Canada*

12.5%

Dominion of Canada

12.5%

Facility (Nordic)**

10%

Farmers’ Mutual*

12.5%

ING* 

12.5%

Kingsway General

12.5%

Optimum Frontier*

12.5%

Aviva Pilot*

4%-17.5%

York Fire & Casualty

10%-12.5%
   

PROPERTY INSURERS

Aviva Elite*

20%

AXA Canada*

20%

Dominion of Canada*

20%

Farmers’ Mutual*

20%

ING* 

20%

Optimum Frontier*

20%

West Wawanosh*

20%

York Fire & Casualty

20%
** commission is capped at $250.00  

 

 
 
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