Insurance Companies
The following companies are our affiliated insurance partners. We have also disclosed our commission rates below.
Insurance Carriers
Aviva Insurance
Economical Insurance
Max Insurance
Travelers Insurance
CAA Insurance
Gore Mutual
Pafco Insurance
Travelers Essential Insurance
Coachman Insurance
Intact Insurance
Pembridge Insurance
Unica Insurance
Echelon Insurance
Jevco Insurance
SGI Canada Insurance
Wawanesa Insurance
Disclosure of Insurance Commissions and Contingent Earnings
Commissions:
The following ranges apply to both new and renewal policies:
- Auto Insurance – 5% to 12.5% of premium
- Property Insurance, Personal & Commercial – 12.5% – 20% of premium
Contingent Income:
In order to do long term, stable business with the insurers marked above, we endeavor to place insurance risks which are suitable to their respective underwriting guidelines. These insurers may in turn recognize the success of this process, through contingent commissions, or “profit sharing”, at year end. This profit sharing does not attach to any individual policy and is paid to us only if our overall portfolio produces a profitable result to the insurer. For more information, please go to the individual insurance company’s website.
Should there be any increase in the commissions we receive for your insurance policies, or any other material change in how we are compensated, we will notify you directly. We welcome your comments or questions and are pleased to discuss any concerns you may have.
* Companies that may offer contingent income.
About your insurance broker:
Principles of Conduct for Insurance Intermediaries – Link or https://www.cisro-ocra.com/Documents/View/2471
Fact sheet about your registered insurance broker – Link or https://www.ribo.com/wp-content/uploads/2022/04/RIBO_Conduct_Sheet_040622-fact_sheet.pdf