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Disclosure
Thank you for 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 the Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium.
| Insurer |
Automobile |
| Dominion of Canada* |
5% - 12.5% |
| Echelon General* |
10% - 12.5% |
| Economical Group* |
5% - 12.5% |
| Facility Association |
7.5% - 11% |
| Farmers' Mutual* |
10% - 12.5% |
| Gore Mutual* |
10% - 12.5% |
| Guarantee Co of NA* |
17% |
| ING* |
10% - 12.5% |
| Kingsway |
5% - 15% |
| Pafco |
5% - 12.5% |
| Peel Mutual* |
10% - 12.5% |
| Portage Ins.* |
12.5% |
| Wawanesa* |
7.5% - 12.5% |
| |
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| Insurer |
Property |
| Dominion of Canada* |
20% |
| Echelon General |
N/A |
| Economical Group* |
20% |
| Facility Association |
N/A |
| Farmers' Mutual* |
20% |
| Gore Mutual* |
20% |
| Guarantee Co of NA* |
15% - 25% |
| ING* |
15% - 20% |
| Kingsway |
N/A |
| Pafco |
N/A |
| Peel Mutual* |
20% |
| Portage Ins.* |
20% |
| Wawanesa* |
20% |
*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 that we provide on behalf of the Insurer. Contingent (Profit) Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual company's website.
One of the benefits of having an insurance broker is that if you have an incident, the broker can make all the arrangements on your behalf. Brokers file the reports and act as your advocate in the event of any dispute.
What can an Insurance Broker do for you?
Insurance. Just the mention of it can make you cringe. And to most people, the very thought of making a payment or renewing a policy can feel like a nuisance. Yet, you can't afford not to have it. In fact, to drive a car, it is mandatory. Everyone needs insurance.
So, what is insurance and why is it important?
The purpose of insurance is to compensate the victim of a loss for the actual amount of that loss, no more and no less. And, having an insurance policy provides individuals with the means to shift their financial responsibility for a loss to a third party.
In Canada, an insurance policy can be purchased directly from a company, from an insurance agent, or from an insurance broker.
You might think that buying directly from an insurance company would be cheaper, right?
Actually, it isn't. All insurance companies have administration costs. And direct insurers also spend a lot of money to market and advertise their products, so you won't find it cheaper to go directly to the insurer.
More importantly, not all policies are the same. You should be wary of a “cheap” policy. As someone once said, “cheap is often too expensive.” You want to make sure you understand your policy, the coverage, the exclusions, so you won't have any surprises if you have to file a claim.
What you want is someone who can add value to your premium. An insurance broker can help you do that.
As insurance brokers, we specialize in insurance protection. We work for you. We have an in-depth working knowledge of the insurance market and can provide professional and objective advice. And we don't just work with one insurance company; we shop around and find the best policies from the best insurance companies across Canada.
In other words we work for you.
We can help you identify the risks that you, your family or your business may be exposed to. And we recommend the best protection at a competitive price, arrange the insurance policy and documentation, and answer any questions that you may have. We will also remind you when your policy is due for renewal or amendment.
Your daughter may move out to attend University, or your son may get his driver's licence. As your situation evolves, we are there to review your policies to ensure that the coverage is appropriate and that the entire family remains well protected.
As insurance brokers, we provide the knowledge, choice, convenience and professionalism that you deserve.
 Your Best Insurance Is An Insurance Broker
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