Disclosure Statement

This is a request to provide a quote only and is not an insurance policy. It is not an offer of insurance. Further information may be required in order for a complete quote to be provided. This quote request contains some information about coverage offered but it does not list all of the conditions and exclusions that apply to the described coverage. The actual wording of the policy governs all situations.

This quote request is only available to persons resident in the Province of Ontario.

The products described are subject to change without notice at any time.


In our effort to remain transparent to you please find below the range of commission paid to our office by each of the insurers we represent. Waddell Insurance Brokers Limited strives to bring you comprehensive coverage at a fair premium. We are compensated directly from the insurance premium you pay. We have listed below the range of commission our insurance partners pay us based on their standard commission tables.
Northbridge* 7.5-12.5%
Intact/Jevco* 7.5-12.5%
Zurich* 7.5-12.5%
Guarantee Company of NA* 7.5-12.5%
AIG Insurance Company 7.5-12.5%
Aviva* 7.5-12.5%
Peel Mutual* 7.5-12.5%
Chubb 7.5-12.5%
Economical Mutual Ins. Co.* 7.5-12.5%
CNA CANADA 7.5-12.5%
Travelers/ Dominion* 7.5-12.5%
Liberty Mutual Ins. Co. 7.5
Hagerty Canada 12.5%
Royal & SunAlliance – Facility Association; may be capped, please contact our office

A.M. Fredericks Underwriting Management Inc. 10-20%
April Canada Inc. 10-20%
Beasley (formerly Creechurch) 10-20%
Boiler Inspection & Insurance 10-20%
BIS Risk Solutions, Inc. 10-20%
Brownstone Insurance Managers Inc. 10-20%
Burns & Wilcox 10-20%
Cansure Underwriting Limited 10-20%
CHES Special Risks 10-20%
Coast Underwriters 10-20%
Cowan Insurance Brokers 10-20%
DAS Legal 15-20%
Northbridge* 15-20%
Intact* 15-20%
Zurich* 15-20%
Guarantee Company of North America* 10-20%
AIG Insurance Company 10-20%
Aviva* 10-20%
Peel Mutual* 10-20%
Chubb* 15-20%
Economical Mutual Ins. Co.* 10-20%
Travelers/ Dominion* 10-20%
Liberty Mutual Ins. Co. 10-20%
Victor (Formerly Encon Group Inc.) 10-20%
Equine Insurance Underwriters 10-20%
Evolution Insurance Inc. 10-20%
FM Global 0% - Fee for service only
R.C. Gougeon Limited 5-20%
HUB International 10-20%
H.W. Hollinger (Canada) Inc. (Lloyds) 10-20%
Jardine Lloyd Thompson 10-20%
K and K Ins. Brokers 10-20%
Markel International Limited 10-20%
Marsh Canada Limited 10-20%
Oceanic Underwriters 10-20%
PAL Ins. Brokers 10-20%
Optimum  10-20%
Premier Canada 10-20%
South Western Group 10-20%
Special Risk Insurance Managers 10-20%
SUM Strategic Underwriting Managers 10-20%
Totten Group 10-20%
Trans Canada Insurance 10-20%
Wayfarer Insurance Brokers 10-20%
Some partners may have changed their name, or we may have just started a new relationship with an insurance partner. If you do not see their name on this list please contact our office.

Any of the above insurers with a * may pay our brokerage a Contingent Profit Commission or Profit Sharing. Payment of this Contingent Commission may depend on a combination of growth, profitability, volume, mix of business, retention and increased services that we provide on behalf of the insurer. Contingent Commission is not guaranteed and is not tide to any single account. For detailed information on Contingent Commission, please go to the individual company’s website.
Waddell Insurance Brokers Limited is a privately owned corporation. There is no direct or indirect ownership with any insurance company. We have no loans from any insurance company.
Conflicts of Interest:
If we ever find ourselves in a conflict of interest, or a potential conflict of interest we will immediately notify you in writing. Waddell Insurance Brokers Limited always puts the priority of our clients first. It is our mandate to ensure we propose the best solution to you based on our knowledge and understanding and will always continue to do so. If you have any concerns about an actual or potential conflict of interest please reach out to is immediately.
Your insurance company has adopted a Code of Consumer Rights and Responsibilities, which will be included with your insurance policy. Please take a few moments to consider the Code. We know that you have choice when you buy insurance. If you have questions regarding this subject or other matters, please contact any of us at Waddell Insurance Brokers Limited