Our Insurer Relationships and Broker Compensation
As your independent insurance broker, we purchase insurance products and services from Canada’s leading insurance companies on your behalf.
As broker, our role is to provide you with the best insurance value combining coverage, service, and price.
We also provide personalized, quality service, including professional insurance advice, ongoing policy maintenance, and claims support. When any insurance coverage issues arise, we are your advocate, using our professional experience to best represent your business’s interests. Our independence enables us to provide these services in an unbiased way, with your best interests in mind.
Brokerage compensation is part of your insurance premium. For your benefit, we’re including a list of the more prominent insurers we represent and the range of compensation each insurer provides as a percentage of overall premium, paid annually for new business and renewals. Should there be any changes in the commission schedule we receive from your insurer or another material change that affects compensation arrangements, we will notify you.
We maintain long-standing relationships with quality insurers to ensure the best match for a client’s business type and needs. The insurance companies, as indicated on the list, recognize our efforts through a Contingent Profit Commission contract. Payment generally depends on a combination of growth, loss ratio, volume, retention and provided services on behalf of the insurer. It is based upon our entire portfolio with that insurer, not on individual policies. Contingent Profit Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual insurer’s website.
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.
For more information, these links may be helpful:
www.ibc.ca/insurance-basics/how-insurance-works/code-of-consumer-rights-and-responsibilities
www.cisro-ocra.com/PrinciplesofConductforIntermediariesWorkingGroup
www.ribo.com/RIBO_Conduct_Sheet_040622-fact_sheet (Ontario)
Broker Compensation Table
Personal Insurance – Automobile Commissions
| Name of Insurer1 | Range of Standard Commissions2 | CPC3 | Website |
|---|---|---|---|
| Aviva Insurance Company | 12.5% | Yes | avivacanada.com |
| CAA Insurance | 12.5% | Yes | caainsurancecompany.com |
| Chubb Insurance | 10.0% | Yes | chubb.com |
| Definity Insurance Company | 10% – 12.5% | Yes | economical.com |
| Echelon General Insurance Company | 12.5% | Yes | echeloninsurance.ca |
| Elite | 12.5% | Yes | avivacanada.com |
| Gore Mutual | 12.5% | Yes | goremutual.ca |
| Hagerty | 12.5% | Yes | hagerty.ca |
| Halwell Dumfries Mutual | 12.5% | Yes | hdmutual.com |
| Intact Insurance | 10% – 20% | Yes | intact.ca |
| Jevco Insurance Company | 12.5% – 15% | Yes | jevco.ca |
| Nordic Insurance Company4 | 7.5% – 11% | No | facilityassociation.com |
| Northbridge Insurance | 10% – 12.5% | Yes | nbins.com |
| Novex Insurance | 10% – 12.5% | Yes | intact.ca |
| Travelers | 12.5% | Yes | travelerscanada.ca |
| Unica Insurance Inc. | 12.5% | Yes | unicainsurance.com |
| Wawanesa | 12.5% | Yes | wawanesa.com |
Personal Insurance – Residential and Other Commissions
| Name of Insurer1 | Range of Standard Commissions2 | CPC3 | Website |
|---|---|---|---|
| Apollo Insurance | 20% | No | apollocover.com |
| April Canada | 20% | No | april.ca |
| Aviva Insurance Company | 20% | Yes | avivacanada.com |
| Burns & Wilcox | 12.5% | No | burnsandwilcox.ca |
| CAA Insurance | 20% | Yes | caainsurancecompany.com |
| Chubb Insurance | 15% – 20% | Yes | chubb.com |
| Definity Insurance Company | 17.5% – 20% | Yes | economical.com |
| Elite | 20% | Yes | avivacanada.com |
| Forward Insurance Management | 15% | No | forwardinsurance.ca |
| Gore Mutual Insurance | 20% | Yes | goremutual.ca |
| Halwell Dumfries Mutual | 20% | Yes | hdmutual.com |
| Intact Insurance | 15% – 20% | Yes | intact.ca |
| Northbridge Insurance | 20% | Yes | nbins.com |
| Novex Insurance | 15% – 20% | Yes | intact.ca |
| Pacific Marine Underwriting | 15% | No | pacificmarine.ca |
| Premier Marine | 15% | No | premiergroup.ca |
| South Western Group | 10% – 12.5% | No | swgins.com |
| Totten Group | 12.5% – 15% | No | tottengroup.com |
| Travelers | 20% | Yes | travelerscanada.ca |
| Unica Insurance Company | 20% | Yes | unicainsurance.com |
| Wawanesa | 20% | Yes | wawanesa.com |
Notes:
- This list only includes the names of those insurers with whom we are contracted to write the line of business shown. We have some additional companies with whom we write a limited amount of business. We will be pleased to provide you with more details if you wish.
- In limited cases, we provided additional services such as underwriting or policy issuance directly on behalf of the insurer. In return we may receive compensation from the insurer over and above the standard commission rate.
- CPC: Contingent Profit Commission
- With business written through our Facility carrier, Nordic Insurance Company, the commission is capped at $370 per vehicle
Commercial Insurance – Property, Casualty, and Auto Commissions
| Name of Insurer1 | Range of Standard Commissions2 | CPC3 | Website |
|---|---|---|---|
| AIG Insurance Company of Canada | 7.5% – 20% | No | aig.com |
| Allianz Global | 10% – 20% | No | allianz.com |
| Allied World Specialty Insurance Company | 10% – 20% | No | alliedworldinsurance.com |
| Aviva Insurance Canada | 7.5% – 25% | Yes | avivacanada.com |
| AXA XL Speciality Insurance Company | 10% – 20% | No | axaxl.com |
| Axis Reinsurance Company | 10% – 20% | No | axiscapital.com |
| Beazley Canada Limited | 10% – 15% | No | beazley.com |
| Berkley Canada | 10% – 20% | Yes | berkleycanada.com |
| Berkshire Hathaway Speciality Insurance | 10% – 20% | No | berkshirehathaway.com |
| Chubb Insurance Company of Canada | 10% – 20% | Yes | chubb.com |
| CNA | 12.5% – 27.5% | Yes | cnacanada.ca |
| Definity Insurance Company | 7.5% – 25% | Yes | economical.com |
| Ecclesiastical Insurance | 10% – 20% | No | ecclesiastical.ca |
| Echelon General Insurance | 10% – 20% | Yes | echeloninsurance.ca |
| Edge Mutual Insurance Company | 10% – 20% | Yes | edgemutual.com |
| Everest Insurance Company of Canada | 10% – 20% | Yes | everestglobal.com |
| Gore Mutual Insurance Company | 7.5% – 20% | Yes | goremutual.ca |
| Great American Insurance | 10% – 20% | Yes | greatamericaninsurancegroup.com |
| HD Mutual Insurance Company | 10% – 20% | Yes | dumfriesmutual.com |
| HDI Global SE Canada | 10% – 20% | No | hdi.global |
| HSB BI&I | 10% – 20% | Yes | munichre.com/hsbcanada |
| Intact Insurance Company | 5% – 25% | Yes | intact.ca |
| Liberty International | 10% – 20% | Yes | libertymutualcanada.com |
| Markel Canada Limited | 7.5% – 20% | No | markelinternational.ca |
| Northbridge Insurance | 7.5% – 20% | Yes | nbins.com |
| Old Republic Insurance Company of Canada | 7.5% – 10% | No | oldrepublic.com |
| QBE Insurance | 7.5% – 20% | No | qbe.com |
| Sovereign General Insurance | 10% – 27.5% | Yes | sovereigninsurance.ca |
| Starr Insurance and Reinsurance Limited | 10% – 20% | No | starrcompanies.com |
| Swiss Re Corporate Solutions | 10% – 20% | No | corporatesolutions.swissre.com |
| The Nordic Insurance Company of Canada | 5% – 15% | No | facilityassociation.com |
| Travelers Insurance Company of Canada | 10% – 25% | Yes | travelerscanada.ca |
| Trisura Guarantee Insurance Company | 10% – 20% | Yes | trisura.com |
| Unica Insurance Inc. | 7.5% – 20% | Yes | unicainsurance.com |
| Wawanesa Mutual Insurance Company | 7.5% – 20% | Yes | wawanesa.com |
| Wynward Insurance Group | 10% – 20% | Yes | www.wynward.com |
| Zurich Insurance Company | 10% – 25% | Yes | zurichcanada.com |
Commercial Insurance – Surety Commissions
| Name of Insurer1 | Range of Standard Commissions2 | CPC3 | Website |
|---|---|---|---|
| Aviva Canada | 15% – 27.5% | No | avivacanada.com |
| CNA | 15% – 30% | No | cnacanada.ca |
| Definity Insurance Company | 15% – 25% | No | economical.com |
| Intact Insurance | 15% – 30% | No | intact.ca |
| Sovereign Insurance Company | 15% – 30% | No | sovereigninsurance.ca |
| Travelers Canada | 15% – 27.5% | No | travelerscanada.ca |
| Trisura | 15% – 30% | No | trisura.com |
| Western Surety | 15% – 27.5% | No | westernsurety.ca |
| Zurich | 15% – 25% | No | zurichcanada.com |
Notes:
- The companies listed include insurance companies, underwriting agencies and wholesale brokers that provide various forms of commercial insurance (e.g., property, liability, etc.) for various business segments (e.g., manufacturing, contracting, etc.). Not all companies provide coverage in all areas. We have additional companies not listed with whom we write a limited amount of business. We will be pleased to provide you with more details if you wish.
- In a limited cases, we provided additional services, such as underwriting or policy issuance, directly on behalf of the insurer. In return, we may receive compensation from the insurer over and above the standard commission rate.
- CPC: Contingent Profit Commission