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Compensation Disclosure

How We Get Paid

Thank you for your business. As your independent Insurance Broker, we purchase insurance products and services on your behalf. 

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 the personal insurance companies that we represent and have included the range of compensation each provides as a percentage of the overall premium that appears on your policy. 

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

Commission Schedule

  Auto Insurance Home Insurance
AVIVA Canada* 10% to 12.5% 20%
Intact 10% to 12.5% 20%
RSA Insurance* 10% to 12.5% 20%
Travelers Canada* 10% to 12.5% 20%
Wawanesa Mutual* 10% to 12.5% 20%
Western Assurance* 10% to 14% 22%
Jevco Insurance 5% to 12.5% n/a
Facility**(Nordique) 7.5% to 11% n/a
Premier Marine n/a 15%
**Commission is capped at $310.00

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 insurer to provide the
type of business they desire. The insurers with an asterisk (*) 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.
We are truly an independent brokerage. No insurance company has any ownership in our company. We also do not have any other financial obligations to any insurer. This allows us to recommend the appropriate insurance protection from the insurance company with the best combination of protection and competitive premiums.
All decisions on which insurer we recommend for you are based on your unique needs. And not influenced by any real or perceived conflict of interest. Out only interest is providing the insurance protection to our clients.