:: Commercial Insurance Brokers ::

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 Insurers we represent for Personal Insurance and have have included the range of compensation each provides as a percentage of your overall premium:

Personal Automobile Insurance:

- AXA Insurance Company:
- ING Insurance Company of Canada*:
- Kingsway General Insurance Company:
- Wawanesa Mutual Insurance Company*:
- Facility Association (Royal & SunAlliance):
- Jevco Insurance:

12.5%
12.5%
5% to 12.5%
12.5%
11% max $250.00 per vehicle
10% to 12.5%

Personal Property Insurance:

- AXA Insurance Company
- ING Insurance Company of Canada*:
- Wawanesa Mutual Insurance Company*:
- ChubbInsurance Company:
- Dracup Insurance Brokers Ltd.
- Premier Marine
- Kingsway General Insurance Company

20%
20%
20%
15%
10%
10% to 15%
10% to 15%

Commercial Automobile Insurance:

- Aviva Insurance Company of Canada*
- AXA Insurance Company of Canada*:
- ING Insurance Company of Canada*:
- Kingsway General Insurance Company of Canada:
- Wawanesa Mutual Insurance Company of Canada*:
- Facility Association (Royal & SunAlliance):

10% to 12.5%
10% to 12.5%
10% to 12.5%
5% to 12.5%
10% to 12.5%
10%

Commercial Property Insurance:

- Aviva Insurance Company of Canada*:
- AXA Insurance Company of Canada:
- ING Insurance Company of Canada*:
- Wawanesa Mutual Insurance Company*:
- Central Underwriters Inc.:
- Allianz Global Risk Insurance Company:
- South Western Group:
- Elliot Special Risks Ltd.:
- Cross Border Underwriting:
- Canada Worldwide Underwriting Agencies:
- Totten Group:
- Sports-Can Insurance Consultants Ltd.:

10% to 20%
10% to 20%
10% to 20%
10% to 20%
10% to 15%
10% to 15%
7.5% to 15%
10% to 15%
7.5% to 15%
10% to 15%
12.5%
10%

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.

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.

Jose Goldbaum
President