Disclosure

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 advocates, 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 Insurers that we represent. The pre-determined range of compensation is between 7.5% and 20% of the overall premium that appears on your policy invoice may represent brokerage compensation.

 
**most Facility auto policies have a limit on the total dollars paid in commission for each vehicle insured.

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.  We currently have a loan guaranteed by Intact that was used to expand our business.

In order for us to maintain strong relationships with quality Insurers, we work with each to provide the type of business they accept.  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.

Your Insurer will be providing you with a Consumer Code of Rights and Responsibilities, which will be forwarded to you with your new business policy.  If you have any questions regarding this or any other aspect of your insurance please contact us at (905) 731-5177.