Commission Disclosure

As your broker, BrokerLink acts as your advocate, reviewing your insurance needs to provide you with the best possible insurance protection, advice, and above all, consistently high levels of customer service. Brokerage compensation is part of your insurance premium. For your information, we have listed all personal and commercial insurers we represent in Canada, with the compensation each provides as a percentage of your overall premium.

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Insurer Personal Property Personal Automobile Commercial Property Commercial Automobile Commercial Casualty Fidelity / Surety Excess Lines
A.M. Breau Assurance Ltée 10% 10%        
Abex Affiliated Brokers Exchange     15%-20% 7.5%-15% 15%-20% 10%-35%
Absolute Insurance Brokers 10% 10%        
ACE INA Insurance 15% to 20% 10% to 12.5%        
Affiliated FM Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
AFN Insurance Brokers     7.5%-15% 7.5%-10% 7.5%-15% 30%
Agile Underwriting Solutions 15% - 20%     7.5%-10% 7.5%-15% 30%
Algoma Mutual 17.5% to 20% 12.5% 10%-30% 12.50% 10%-25% 10%-35%
Algoma Insurance Brokers Limited 10% - 20% 10%        
Aligned Insurance Inc. 15% 15%        
Allianz Global Assistance 10% - 40%   10%-20% 12.50% 20% 10%-15%
Allianz Global Risks US Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Allied World Specialty Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
AMI Autoglas Maintenance Inc   15% 7.5%-15%   7.5%-15% 30%
Anderson Brown Company 10% 10%        
Anderson McTague and Associates 12.5% - 20%   7.5%-15%   7.5%-15% 30%
Angus - Miller Ltd.       7.5%-10% 7.5%-15% 10%-20%
Approved Surety and Casulaty Inc.     7.5%-15%   7.5%-15% 10%-20%
April Canada         7.5%-15% 30%
ARAG Canada 25% 25% 10%-30% 12.50% 10%-25% 10%-35%
Aurora Underwriting Services     7.5%-15%   7.5%-15% 30%
Autoglass Maintenance (PD Only)     7.5%-15%   7.5%-15% 30%
Arch Insurance Canada 8% to 25% 8% to 27.5%        
Archway Insurance Barnes 10% - 15% 10% - 15%        
Argo Group International 28% 28%        
Arthur J. Gallagher Insurance 10% - 16% 10%        
Aspen Managing Agency Ltd. 15% to 20% 10% to 12.5%        
Atlantic Insurance 25% 15%        
Atlantic Specialty Insurance Company 15% to 20% 10% to 12.5%        
Atrium Underwriters Ltd. 25% 25%        
Aviva Canada 20% 10% - 20% 10%-30% 5%-12.5% 10%-25% 10% -35%
Avro Insurance Managers     7.5%-15%   7.5%-15% 30%
AXA Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Axiom Mutual Insurance Company 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Axis Insurance Managers 10% 10%        
AXIS Reinsurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Ayr Farmers Mutual 15% to 20% 10% to 12.5%        
Baoviet Insurance Corporation 15% to 20% 10% to 12.5%        
Beneva Inc. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Beacon Underwriting Ltd.   15% - 20%        
Beck Glass (2012) Ltd. 31% 31%        
Berkley Canada Inc.     15%-25% 12.5% 10%-15% 10%-30%
Bickerton Brokers Ontario Ltd. 10% 10%        
Boiler Inspection & Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Brownstone Insurance Managers 15% 15% 7.5%-15%   7.5%-15% 30%
Boiler Inspection & Insurance Company (U.S.) 15% to 20% 10% to 12.5%        
Brant Mutual Insurance Company 20% 13%        
British Marine Luxembourg SA 15% to 20% 10% to 12.5%        
Burns Wilcox Canada 15%   7.5%-15% 7.5%-10% 7.5%-15% 10%-20%
CAA Insurance Company 20% 13%        
Cal Legrow/Baine Johnson Insurance 10% 10%        
Canadian Farm Insurance Corp.   15% 10%-30% 12.50% 10%-25% 10%-35%
Canadian Resources Insurance Solutions     7.5%-15%   7.5%-15% 30%
CannGen Insurance Canada     7.5%-15%   7.5%-15% 30%
Can Sure Underwriting 15%   7.5%-15%   7.5%-15% 30%
CFC Underwriting Limited     7.5%-15%   7.5%-15% 30%
Ches Insurance Inc.     7.5%-15%   7.5%-15% 30%
Canadian Northern Shield Ins. 15% to 20% 10% to 12.5%        
Caradoc Townsend Mutual Insurance Company 15% to 20% 10% to 12.5%        
Carleton-Fundy Mutual Insurance Company 20%          
Chubb Insurance Company 15% to 20% 10% to 20% 15%-20% 7.5%-15% 15%-20% 10%-35%
Choice Insurance Brokers Inc. 8% 8%        
Chueter Underwriting Services     7.5%-15%   7.5%-15% 30%
Cluett Insurance Brokers 10% 10%        
CJB Insurance Services     7.5%-15%   7.5%-15% 30%
Coalition Inc.     7.5%-15%   7.5%-15% 30%
Coast Underwriting Limited   20% 7.5%-15%   7.5%-15% 30%
Coachman Insurance Company 20% 13%        
Cooke Insurance Group 10% 10%        
Coface Canada 15% to 20% 10% to 12.5%        
Continental Casualty Co. (US) 15% to 20% 10% to 12.5%        
Continental Casualty Company 15% to 20% 10% to 12.5%        
Cornerstone Insurance Services Incorporated 10% 10%        
Cowan Insurance Brokers   15%        
Craig McDonald Reddon 10% 10%        
Crewson Insurance Brokers 10% 10%        
Crosbie Job Insurance 10% 10%        
CNA     15%-20% 7.5%-15% 15%-20% 10%-30%
Darling Insurance Realty Limited 10% 10%        
Definity Insurance Company 10% to 20% 10% to 17.5% 10%-20% 7.5%-15% 20% 25%
Dumfries Mutual Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Dynamic Insurance Brokers 10% 10%        
Ecclesiastical Insurance     10-22.5% 12.50% 15%-20% 10%-35%
Echelon General Insurance Co.   12.5% - 15% 20 7.5%-12.5% 10%-25% 27.5-32.5
Economical - FORESTRY SEGMENT 15% to 20% 10% to 12.5%        
Edge Mutual Insurance Company 20% 8% to 12.5% 10%-30% 12.50% 10%-25% 10%-35%
eUnderwriters     7.5%-15%   7.5%-15% 30%
Excess Underwriting Corp.     7.5%-15%   7.5%-15% 30%
Export Development Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Family Insurance Solutions Inc. 20%          
Factory Mutual Insurance Company 15% to 20% 10% to 12.5%        
Freeman Insurance Agencies Ltd. 10% 10%        
Finnegan Insurance Ltd. 10% 10%        
Frost Insurance Brokers Limited 10% 10%        
Forward Insurance Managers Limited 15% 15% 7.5%-15%   7.5%-15% 30%
Four Points Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Full Circle Insurance Brokers Limited 10% 10%        
Gameday Insurance Brokers     7.5%-15%   7.5%-15% 30%
Galon Insurance 16% 16%        
Germania Mutual Insurance 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Gilman Sons Insurance Brokers Inc. 8% 8%        
GFH Underwriting Agency Ltd.     7.5%-15%   7.5%-15% 30%
Goguen Champlain Insurance 10% 10%        
Global Aerospace Underwriting 10%   7.5%-15%   7.5%-15% 30%
Gore Mutual Insurance Company 25% 10% 15%-22.5% 7.5%-12.5% 15%-20% 15%-20%
Great American Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Grenville Insurance Company 20% 13%        
GroupOne Insurance 15%   7.5%-15%   6%-25%  
Guarantee Co. of North America 20% 12.5% to 13%        
Guardian Risk Managers Ltd. 20%          
Hallmark Specialty Insurance Company 15% to 20% 10% to 12.5%        
Halwell Mutual Insurance Company   10%        
Hagerty Canada LLC   13% 15%-20% 7.5%-15% 15%-20% 10%-35%
HDI Global Specialty SE 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Heartland Farm Mutual 20% 10% to 12.5% 10%-30% 12.50% 10%-25% 10%-35%
Howick Mutual Insurance 20% 13%        
HT&C Mutual Insurance Company 20% 10% to 12.5%        
HTM Insurance Company 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Hub Intl Atlantic 10% 10%        
i3 Underwriting Managers     7.5%-15%   7.5%-15% 30%
Industrial Alliance Insurance and Financial Services 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Instant Risk Coverage Inc.     7.5%-15%   7.5%-15% 30%
ING & McKee Insurance Limited 10% 10%        
Intact Insurance 20% 10%-20% 10%-25% 5%-12.5% 20% 15%-30%
Intact Public Entities Inc.     7.5%-15%   7.5%-15% 30%
JUSTe Underwriting     7.5%-15%   7.5%-15% 30%
Jevco Insurance Company   5% - 12.5%        
Jewelers Mutual Insurance Company 15% to 20% 10% to 12.5%        
John Stark & Co. Ltd.k 10% 10%        
Jones Brown Inc 10% 10%        
Jones Deslauriers Insurance Management Inc.   5%        
Jones Deslauriers Insurance Management Inc.   5%        
K&K Insurance Group     7.5%-15% 7.5%-10% 7.5%-15% 30%
Kent & Essex 20% 10% to 12.5% 15%-20% 10%-20% 20% 10%-35%
Kent & White Insurance 10% 10%        
La Turquoise 13%          
L & A Mutual Insurance Co. 15% to 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Liberty Mutual Insurance Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Lions Gate Underwriting Agency     7.5%-15%   7.5%-15% 30%
LYNX Insurance Underwriters Inc.     7.5%-15%   7.5%-15% 30%
Liberty Syndicates 15% to 20% 10% to 12.5%        
Lloyd's of London 3% - 10% 3% - 10% 12.5%-20% 12.50% 15%-25% 15%
L'Unique General Insurance 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
MacCoy Insurance Brokers Limited 10% 10%        
MacDowell Insurance Brokers Limited 10% 10%        
Marine Override 5% 5%        
Markel International   13% 10%-30% 12.50% 10%-25% 10%-35%
Max Insurance 20%          
McDougall Insurance & Financial 10% 10%        
MedThree Insurance Group     7.5%-15%   7.5%-15% 30%
Mink Insurance Services Ltd. 10% 10%        
Millennium Insurance Corporation 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Milnco Insurance     7.5%-15% 7.5%-10% 7.5%-15% 30%
MIS Insurance Services     7.5%-15% 7.5%-10% 7.5%-15% 30%
Mitsui Sumitomo Insurance Company, Limited 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Modern Specialty Insurance 15% 15%        
Nacora International Insurance 10% 10%        
NauticLife Limited   18% - 20%        
NAL Insurance Inc.     7.5%-15% 7.5%-10% 7.5%-15%% 30%
National Liability & Fire Insurance Company 15% to 20% 10% to 12.5%        
Nordic Facility Insurance   7.5% - 11% 10%-30% 12.50% 10%-25% 10%-35%
NFP, An AON Company   5%        
North Blenheim Mutual Insurance Company 20%   7.5% - 20% 7.5% - 15% 7.5% - 15%  
Northbridge General Insurance Corporation 20% 10% - 12.5%        
Novex Insurance Company 10% - 20% 10% - 12.5%        
OASIS Outdoor Adventure and Insurance Solutions 15% 15% 7.5%-15%   7.5%-15% 30%
ODIS Underwriting Inc. 15% 15% 7.5%-15%   7.5%-15% 30%
Old Republic Insurance 15% to 20% 10% to 12.5%        
Oceanic Underwriters   15%        
Omega General Insurance Company 15% to 20% 10% to 12.5%        
Optimum Insurance Company 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Orr & Associates Insurance 10% 10%        
Ostic Insurance Brokers Ltd. 10% 10%        
Pacific Marine 15%          
Pafco Insurance Company   10% to 12.5%        
PAL Insurance Brokers     7.5%-15% 7.5%-10% 7.5%-15% 30%
PBL Insurance Limited 10% 10%        
Peace Hills General Insurance 20% 10% to 15% 10%-30% 12.50% 10%-25% 10%-35%
Peake & McInnis Ltd. 10% 10%        
Peel Mutual Insurance Company 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Pembridge Insurance Company 20% 10% to 20% 10%-30% 12.50% 10%-25% 10%-35%
Perth Insurance 15%-20% 10% to 12.5%        
Phoenix Underwriters     7.5%-15%   7.5%-15% 30%
Pitcher & Doyle     7.5%-15% 7.5%-10% 7.5%-15% 30%
Pirght Professions     7.5%-15%   7.5%-15% 30%
Portage la Prairie Mutual 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
Portside Marine   20%        
Premier Marine Insurance 15% - 20% 15% - 20%        
Premier Canada     7.5%-15% 7.5%-10% 7.5%-15% 30%
Professional Risk Underwriters Inc.     7.5%-15%   7.5%-15% 30%
Red River Valley Mutual Insurance Company 15% to 20% 10% to 12.5%        
Raise Underwriting     7.5%-15%   7.5%-15% 10-20%
Resilience Cyber Insurance Solutions Agency Canada Limited     7.5%-15%   7.5%-15% 30%
REVAU Advanced Underwriting Inc.     7.5%-15%   7.5%-15% 10-20%
RSA Insurance Group 20% 7.5% - 11%        
Rozon Insurance 10% 10%        
Sandbox Mutual Insurance 20%   10%-30% 12.50% 10%-25% 10%-35%
Salter Ratchford Insurance Brokers 10% 10%        
Scottish & York Insurance Company Ltd. 15% to 20% 10% to 12.5%        
SE Mutual Company 20%   10%-30% 12.50% 10%-25% 10%-35%
SGI Canada 20% 10% to 12.5% 10%-30% 12.50% 10%-25% 10%-35%
Shore Underwriters     7.5%-15%   7.5%-15% 10-20%
Signal Underwriting Inc.     7.5%-15%   7.5%-15% 10-20%
South Coast Insurance 10% 10%        
South Western Insurance Group 10% - 15% 7% - 15% 7.5%-15% 7.5%-10% 7.5%-15% 10-20%
Sovereign General Insurance Company     7.5%-20% 7.5%-20% 7.5%-25%  
Sompo International Canada 15% 15%        
Smith Insurance Service 10% 10%        
Sentinel Risk 10% 6%        
Specialty Advantage Insurance     7.5%-15%   7.5%-15% 30%
Specialty Insurance Services     7.5%-15%   7.5%-15% 30%
Special Risk Insurance     7.5%-15% 7.5%-10% 7.5%-15% 30%
Sports and Fitness Insurance     7.5%-15%   7.5%-15% 30%
STAR Insurance Solutions     7.5%-15%   7.5%-15% 30%
Shipowners' North America Protection Ltd. 15% to 20% 10% to 12.5%        
St. Paul Fire-Renwls&EndtsOnly 15% to 20% 10% to 12.5%        
Starr Insurance Companies 15% 15%        
Starr Underwriting Agents 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Steers Insurance Ltd. 10% 10%        
Stewart Morrison Insurance 10% 10%        
Stevenson and Hunt Insurance Brokers Limited 10% 10%        
Sun Life Assurance Company of Canada 15% to 20% 10% to 12.5%        
SUM     7.5%-15%   7.5%-15% 30%
Sutton Special Risk Inc.     7.5%-15%   7.5%-15% 30%
Surety Source Inc. 25% 25%        
Swift Underwriting Solutions Ltd.     7.5%-15%   7.5%-15% 30%
Sutherland Insurance 10% 10%        
TCB Underwriters Ltd 15% - 17.5% 15% - 17.5%        
Tench-MacDiarmid Ins Brokers 10% 10%        
Temple Insurance 15% to 20% 10% to 12.5%        
Totten Group Insurance 12.5% - 20%   7.5%-15% 7.5%-10% 7.5%-15% 10-20%
The Commonwell Mutual Insurance Group 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
The Hartford Livestock Dept 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
The Insurance Center Ltd. 10% 10%        
The Insurance Company of Prince Edward Island 20% 13% 10%-30% 12.50% 10%-25% 10%-35%
The Kings Mutual Insurance Company   22.3%        
The Mutual Fire Insurance Company of British Columbia 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Trans Canada Insurance Market Inc.     7.5%-15%   7.5%-15% 30%
Tokio Marine Kiln Group            
Tokio Marine & Nichido Fire Insurance Co., Ltd 20% 20%        
Traders General Insurance Company 16% - 16.5% 8% - 11.5%        
Trafalgar Insurance Company 15% to 20% 10% to 12.5%        
Travelers Canada 20% 10% to 20% 10%-27.5% 5%-12.5% 20%-25% 10%-35%
Trillium Mutual Insurance Company 20% to 22.5% 13% 10%-30% 12.50% 10%-25% 10%-35%
Treasurer of the Niagara Falls Insurance Brokers Association 35% 35%        
Treasures Insurance & Risk Management Inc 14%          
Trinity Underwriting     7.5%-15%   7.5%-15% 30%
TuGo Travel Insurance 20% - 40%          
TSW Management Services     7.5%-15%   7.5%-15% 30%
Trisura Guarantee Insurance Company     10%-30% 12.50% 10%-20% 10%-30%
Underwriting Solutions LP     7.5%-15%   7.5%-15% 30%
Unique Risks Limited     7.5%-15%   7.5%-15% 30%
Unica Insurance Inc. 18% - 20% 13%        
United Surety Inc. 15% to 20% 10% to 12.5%        
USLI (United States Liability Insurance) Company            
Utter Morris Insurance 10% 10%        
Vailo Insurace Services Ltd.     7.5%-15%   7.5%-15% 30%
Vaughne Assurance Ltd.            
Wawanesa Mutual Insurance 7.5% - 20% 7.5% - 20% 10%-30% 12.50% 10%-25% 10%-35%
Westland Insurance Group Ltd 10% 10%        
Western Assurance 20% 14%        
Western General 20% 10% to 12.5% 10%-30% 12.50% 10%-25% 10%-35%
Western Surety 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Withey Insurance Brokers Ltd 10% 10%        
Wynward Insurance Group     10%-20% 12.50% 15%-20% 10%-35%
XL Specialty Insurance Company Limited 20%   15%-20% 7.5%-15% 15%-20% 10%-35%
Yarmouth Mutual 20% 10% to 12.5% 10%-30% 12.50% 10%-25% 10%-35%
Youngs Insurance 10% 10%        
Zurich Insurance Company Ltd   10%-12.5% 10%-20% 5%-15% 20% 11%-30%

When it is in the best interests of the client, we will arrange coverage through specialist intermediaries not listed above. These suppliers also pay us a commission, usually at a rate that is lower than the insurers listed. In some cases, coverage may be arranged at no commission. In these situations, we may charge a fee in lieu of, or in addition to, the normal commission payable. It is our intention to disclose our total compensation.

These commissions are paid annually for new business and renewals. If there is an increase in the commission schedule or any other material change that affects compensation arrangements, we will notify you.

BrokerLink, Intact Insurance Company, Novex Insurance Company, and Jevco Insurance Company are owned by Intact Financial Corporation. Intact Financial Corporation, through affiliates, has provided interest-bearing financing at market rates to BrokerLink.

Our disclosure commitments are made in the best interest of consumers. For further details about the financial commitments made between insurance companies and insurance brokers, we encourage you to consult their respective websites.