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Property & Casualty Insurance – Broker’s Commission Disclosure

Thank you for your business! As your independent insurance broker, we try our best to locate insurance products and services on your behalf that are available, affordable and understandable. Our role is to provide you with the best insurance value, combining coverage, service and price.


We 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 represent your individual interests.


Brokerage compensation is part of your insurance premium. For your benefit, we have listed below all property and casualty insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium.

AM Fredericks

Allianz Global

AVIVA Canada

Burns & Wilcox

Can-Sure Underwriting

CHES Special Risks    

Chieftain Insurance

CHUBB Insurance

Dominion of Canada

Economical Insurance

Excess Underwriting

Facility Association

Gore Mutual

Group One

INTACT Insurance

10% - 15%

10% - 20%

10% - 20%

10% - 15%

10% - 15%

10% - 15%  

10% - 20%

10% - 15%

10% - 20%

10% - 20%


3% - 10%

12.5% - 20%

10% - 15%

10% - 20%

INTACT / Niche


Lloyd of London 


Pacific Marine

PAFCO Insurance  

Pembridge Insurance

Premier Marine 

Royal & Sun Alliance

South Western

Totten Group 

UNICA Insurance

Western Assurance

Zurich Insurance

10% - 17%

5% - 12.5%  

12.5% - 15%  

15% - 25%

10% - 15%

10% - 12.5%      

12.5%  - 20%  

12.5%  - 15%  

12.5%  - 20%

10% - 15%

10% - 15%  

12.5% - 20% 

12.5% - 20%

15% - 20%

Insurers pay commission percentage annually for both new business and renewals.

The above commission schedule and Companies represented may change from time to time; we try our best to update the list when it occurs.


In order for us to maintain strong relationships with quality insurers, we work with each insurer to provide the type of business they desire. Some insurers noted above recognize our efforts through a contingent (profit) commission contract. Payment of this contingent (profit) commission depends on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the insurer. Insurance Companies do not guarantee Contingent (profit) Commission.


Most insurers will send out a Consumer Code of Rights and Responsibilities with your new policy. If you have any questions regarding this or any other aspect of your insurance, please contact our office at 416-391-3211.

Financial Services – Advisor Disclosure Statement

Your Life Insurance advisor should give you an Advisor Disclosure Statement outlining the following:

  • The insurance company(ies) they represent and their relationship with such said company(ies)

  • The types of products and/or services they provide

  • Any other licence(s) that they may have and the provinces in which they are licensed to operate

  • The fee structure or compensation basis

  • If applicable, the perceived or potential conflict of interest

  • Any additional information

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