Disclosure Statement

As your independent Insurance broker, we purchase products as 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 individualized assistance that included insurance advice, ongoing policy maintenance and claim support. When an issue arises regarding your insurance coverage, we are your advocates using our specialized knowledge in a specific field of insurance to best represent your individual and unique requirements.

Brokerage compensation is part of your insurance premium. We have listed below insurers that we represent and have included as range of compensation each insurer provides us as a percentage of your overall premium:

Company Personal Auto Personal Property Commercial Auto Commercial Property
Aviva 7.5 to 12.5 20 8.5 to 15 20
CAA 7.5 to 12.5 20 N/A N/A
Chartis/AIG 12.5 20 N/A N/A
Chieftain 7.5 to 12.5 20 N/A N/A
Coachman 7.5 to 12.5 20 N/A 10 to 20
Echelon 7.5 to 12.5 N/A 7.5 to 12.5 N/A
Economical 7.5 to 12.5 20 7.5 to 12.5 10 to 20
Gore Mutual 7.5 to 12.5 20 7.5 to 12.5 10 to 20
Intact 7.5 to 12.5 20 7.5 to 12.5 10 to 20
JEVCO 7.5 to 15 N/A N/A N/A
Nordic 10 to Max. $370 N/A 7.5 to 10 N/A
Northbridge N/A N/A 7.5 to 12.5 N/A
Pembridge 7.5 to 12.5 20 N/A N/A
Perth 5 to 12.5 15 N/A N/A
RSA 7.5 to 12.5 20 7.5 to 12.5 15 to 20
Travelers Canada 7.5 to 12.5 20 7.5 to 12.5 10 to 20
Unica Insurance 7.5 to 12.5 20 7.5 to 12.5 10 to 20

The commission percentage is paid for both new business and renewals. Should there be a change in the commission schedule we receive from your insurer, we will notify you. In order for us to maintain strong relationships with insurers, we work with each to provide the type of business they desire.

The insurers listed above recognize our effort through a Contingent (profit) Commission contract (as indicated by asterisk). Payment under this contract will depend on a 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 policy. If you have any questions about this or any other area of your insurance, please contact us at (905) 415-1188.

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