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Ontario Commission Disclosure

Statement on Services Provided

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.

Statement on Broker Compensation

This is inclusive of both personal lines and commercial business placed on your behalf through our office.
Brokerage compensation is part of your insurance premium. For your benefit, below we have listed the Insurers that we represent and have included the range of compensation provided to our brokerage as a percentage of your overall premium that appears on your invoice.

Aviva* – 10% to 20%
Coachman* – 10% to 20%
Chieftain * – 10% to 12.5%
Facility** (Nordic ) – 5% to 10%
Intact* – 10% to 20%
Managing General Agent’s (MGAs)* – 10% to 12.5%
Royal Sun Alliance* – 10% to 20%
SGI* – 10% to 20%
Travelers* – 10% to 20%
Wawanesa* – 10% to 20%

This commission percentage is paid annually for both new business and renewals.
Should there be an increase in the commission schedule we receive from your insurer, or, any other material change that affects compensation arrangements, we will notify you.

Statement on Contingent (Profit) Commission

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 above recognize our efforts through a Contingent Commission contract. Payment of this Contingent Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer. Contingent Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual company’s website.

Information on Ownership and Other Financial Links

We are proud to operate our business as a truly independent Brokerage and we do not have any financial links that could be considered a conflict of interest, such as:
Any direct or indirect ownership interest by any insurer or financial institution or conglomerate
Any loan, credit facility or other financial relationship direct or indirectly

Statement on Working with Insurance Companies

Our disclosure commitments are made in the best interest of consumers. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.

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