Commission Disclosure

Brokerage compensation is part of your insurance premium. Below you will find the insurers we represent along with the compensation each provides to BrokerLink. The list of insurers offer personal and/or commercial insurance through BrokerLink. 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.

Insurance Company Auto Property
Algoma Mutual 12.5% 17.5% to 20%
Allianz Global Assistance 10% to 25%  
ARAG Canada 25%  
Argo Group International 27.5%  
Atlantic Insurance 15% 25%
Atrium Underwriters Ltd. 25% to 27.5%  
Aviva Canada 10% to 12.5% 12.5% to 20%
Aviva Elite 9% to 12.5% 20%
Brant Mutual Insurance Company 12.5% 20%
CAA Insurance Company 12.5% 20%
Canadian Farm Insurance Corp. 15%  
Carleton-Fundy Mutual Insurance Company   20%
Chubb Insurance Company 10% to 12.5% 15% to 20%
Coachman Insurance Company 12.5% 20%
Definity Insurance Company 10% to 15% 17.5% to 20%
Echelon General Insurance Co. 12.5%  
Edge Mutual Insurance Company 8% to 12.5% 20%
Germania Mutual Insurance 12.5% 20%
Gore Mutual Insurance Company 10% to 12.5% 20% to 25%
Grenville Insurance Company 12.5% 20%
Guarantee Co. of North America 12.5% to 13% 20%
Halwell Mutual Insurance Company 10% to 12.5% 10% to 20%
Heartland Farm Mutual 10% to 12.5% 20%
Howick Mutual Insurance 12.5% 20%
HT&C Mutual Insurance Company 10% to 12.5% 20%
HTM Insurance Company 12.5% 20%
Intact Group 12.5% 20%
Intact Insurance 3% to 15% 8% to 20%
Jevco Insurance Company 5% to 12.5%  
Kent & Essex 10% to 12.5% 20%
L & A Mutual Insurance Co. 12% 15% to 20%
Lloyd's of London 20% 15% to 25%
L'Unique General Insurance 12.5% 20%
Markel International 12.5%  
Max Insurance   20%
Nordic Facility Insurance 7.5% to 11%  
Northbridge General Insurance Corporation 10% to 12.5% 20%
Northbridge Personal Insurance 10% to 12.5% 20%
Novex Insurance Company 10% to 12.5% 10% to 20%
Optimum Insurance Company 12.5% 20%
Pafco Insurance Company 10% to 12.5%  
Peace Hills General Insurance 10% to 15% 12.5% to 20%
Peel Mutual Insurance Company 8% to 12.5% 20%
Pembridge Insurance Company 10% to 12.5% 20%
Perth Insurance 10% to 12.5% 15% to 20%
Portage la Prairie Mutual 12.5% 20%
Royal & Sun Alliance 10% to 12.5% 20%
Royal SunAlliance (Facility) 7.5% to 11%  
Sandbox Mutual Insurance   20%
SE Mutual Company 20%  
SGI Canada 10% to 12.5% 20%
The Commonwell Mutual Insurance Group 12.5% 20%
The Insurance Company of Prince Edward Island 12.5% 20%
The Kings Mutual Insurance Company 22.3%  
Traders General Insurance Company 8% to 11.5% 11% to 16.5%
Travelers Canada 10% to 12.5% 20%
Travelers Essential 12.5% 20%
Trillium Mutual Insurance Company 10% to 12.5% 20% to 22.5%
Unica Insurance Incorporated 12.5% 20%
Wawanesa Mutual Insurance 12.5% 20%
Western Assurance 14% 20%
Western General 10% to 12.5% 20%
Yarmouth Mutual 10% to 12.5% 20%
Zurich Insurance Company Ltd 12.5% 20%

When it is in the best interest of the customer, 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.

Contingent (Profit) Commission is payable to BrokerLink by some insurers only when specific growth, profitability, volume, retention and other measures have been met. Payment is not determined on individual policies. Insurers marked with an asterisk (*) recognize our efforts through a Contingent (Profit) Commission contract. For more detailed information on Contingent (Profit) Commissions, please visit the website of the individual insurance company. From time to time the brokerage may participate in insurer sales incentive programs.

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