Our Broker Compensation

Thank you for your business. As your independent Insurance Broker, we provide access to 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 you 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 Automobile and Property Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium.

Aviva Insurance* 12.5%-20%

Economical Insurance* 10%-20%

Facility Association – 6%-10% cap $370

Gore Mutual* 10%-20%

Hamilton Township Mutual (HTM)* 12.5%-20%

Hagerty Insurance 10%-12.5%

Intact Insurance* 9%-20%

Jevco Insurance 5%-12.5%

This commission percentage is paid annually for new business and renewals.

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 noted above with an asterisk recognize our efforts through a Contingent Commission contract. Payment of this Contingent Commission depends on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer. It is based on our entire portfolio of business with that insurer and not on individual policies. Contingent Commission is not guaranteed.

Your Insurer will be providing you with a Consumer Code of Rights and Responsibilities which will be forwarded to you with your policy. If you have any questions regarding this or any other aspect of your insurance please contact us.