Disclosure Statement:
Thank you for your business. As your independent Insurance Broker, we purchase products and services on your behalf that are available, affordable and understandable. We do not charge any referral fees, and we do not charge fees in addition to commissions.
Our role is to provide you with the most comprehensive coverage at a fair premium. 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.
Requests to provide a quote is not an insurance policy. It is not an offer of insurance. Further information may be required in order for quote to be completed. Quotes contain some information about coverage offered but do not entail all the conditions and exclusions that apply to the described coverage. The actual wording of the policy governs all situations. Quotes are available to persons resident in the Province of Ontario.
Commission Disclosure:
Brokerage compensation is set by the Insurance Companies and is part of your insurance premium. For your benefit, we have listed below the Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium. Compensation may vary depending on premiums and the cost of services insurers ask our office to provide.
CISRO / OCRA
Canadian Insurance Services Regulatory Organizations
Please click here:
CISRO-Principles-of-Conduct-for-Intermediaries-Consultation-Document.pdf
RIBO fact sheet about your Insurance Broker
RIBO-Fact-Sheet-about-your-Ins-Broker.pdf
AUTOMOBILE
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
PROPERTY
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%
CISRO / OCRA
Canadian Insurance Services Regulatory Organizations
Please click here:
CISRO-Principles-of-Conduct-for-Intermediaries-Consultation-Document.pdf
RIBO fact sheet about your Insurance Broker
RIBO-Fact-Sheet-about-your-Ins-Broker.pdf