Broker Compensation

We appreciate 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 your benefit, we have listed below both the Personal Automobile and Personal Property Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium:
CompanyAutomobileProperty
Aviva Insurance Company10% – 12.5%20%
Aviva Elite Insurance10% – 12.5%20%
Chieftain Insurance Company12.5%20%
Chubb Insurance Company10%20%
Dominion of Canada General Insurance10% – 12.5%20%
Intact Insurance10% – 12.5%20%
Jevco Insurance Company5%
Premier Marine Insurance Managers Group15%
South Western Insurance Group Limited12.5%15%
Facility –  *capped per vehicle*$155-$310
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. 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 (Profit) Commission contract. Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services we provide on behalf of the Insurer. Contingent (Profit) Commission is not guaranteed. For detailed information on Contingent Commission, please go the individual Insurance Company website.