Commission Disclosure

As your broker, BrokerLink acts as your advocate, reviewing your insurance need 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
ACE INA Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Affiliated FM Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Algoma Mutual 17.5% to 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Allianz Global Assistance   10% to 25% 10%-20% 12.5% 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%
ARAG Canada   25% 10%-30% 12.5% 10%-25% 10%-35%
Arch Insurance Canada 8% to 25% 8% to 27.5% 10-15 12.5% 10%-15% 10% -20%
Argo Group International   27.5% 10%-30% 12.5% 10%-25% 10%-35%
Aspen Managing Agency Ltd. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Atlantic Insurance 25% 15% 10%-30% 12.5% 10%-25% 10%-35%
Atlantic Specialty Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Atrium Underwriters Ltd.   25% to 27.5% 10%-30% 12.5% 10%-25% 10%-35%
Aviva Canada 12.5% to 20% 9% to 12.5% 10%-30% 5%-12.5% 10%-25% 10% -35%
AXA Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Axiom Mutual Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
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% 15%-20% 7.5%-15% 15%-20% 10%-35%
Baoviet Insurance Corporation 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Beneva Inc. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Berkley Canada Inc.     15%-25% 12.5% 10%-15% 10%-30%
Boiler Inspection & Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Boiler Inspection & Insurance Company (U.S.) 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Brant Mutual Insurance Company 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
British Marine Luxembourg SA 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
CAA Insurance Company 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Canadian Farm Insurance Corp.   15% 10%-30% 12.5% 10%-25% 10%-35%
Canadian Northern Shield Ins. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Caradoc Townsend Mutual Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Carleton-Fundy Mutual Insurance Company 20%   10%-30% 12.5% 10%-25% 10%-35%
Chubb Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Coachman Insurance Company 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Coface Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Continental Casualty Co. (US) 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Continental Casualty Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Definity Insurance Company 17.5% to 20% 10% to 15% 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%
Ecclesiastical Insurance     10-22.5 12.5% 15%-20% 10%-35%
Echelon General Insurance Co.   12.5% 20% 7.5%-12.5% 10%-25% 27.5-32.5
Economical - FORESTRY SEGMENT 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Edge Mutual Insurance Company 20% 8% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Export Development Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Factory Mutual Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Four Points Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Germania Mutual Insurance 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Gore Mutual Insurance Company 20% to 25% 10% to 12.5% 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% 12.5%        
Guarantee Co. of North America 20% 12.5% to 13% 10%-30% 12.5% 10%-25% 10%-35%
Hallmark Specialty Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Halwell Mutual Insurance Company 10% to 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 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% 12.5% 10%-25% 10%-35%
Howick Mutual Insurance 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
HT&C Mutual Insurance Company 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
HTM Insurance Company 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Industrial Alliance Insurance and Financial Services 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Intact Insurance 8%-20% 3%-15% 10%-25% 5%-12.5% 20% 15%-30%
Jevco Insurance Company   5% to 12.5% 25% 12.5% 10%-25% 10%-35%
Jewelers Mutual Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Kent & Essex 20% 10% to 12.5% 15%-20% 10%-20% 20% 10%-35%
L & A Mutual Insurance Co. 15% to 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Liberty Mutual Insurance Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Liberty Syndicates 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Lloyd's of London 15% to 25% 20% 12.5%-20% 12.5% 15%-25% 15%
L'Unique General Insurance 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Markel International   12.5% 10%-30% 12.5% 10%-25% 10%-35%
Max Insurance 20%   10%-30% 12.5% 10%-25% 10%-35%
Millennium Insurance Corporation 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Mitsui Sumitomo Insurance Company, Limited 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
National Liability & Fire Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Nordic Facility Insurance   7.5% to 11% 10%-30% 12.5% 10%-25% 10%-35%
Old Republic Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Omega General Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Optimum Insurance Company 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Pafco Insurance Company   10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Peace Hills General Insurance 12.5% to 20% 10% to 15% 10%-30% 12.5% 10%-25% 10%-35%
Peel Mutual Insurance Company 20% 8% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Pembridge Insurance Company 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Perth Insurance 15%-20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Portage la Prairie Mutual 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Red River Valley Mutual Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Sandbox Mutual Insurance 20%   10%-30% 12.5% 10%-25% 10%-35%
Scottish & York Insurance Company Ltd. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
SE Mutual Company   20% 10%-30% 12.5% 10%-25% 10%-35%
SGI Canada 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Shipowners' North America Protection Ltd. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
St. Paul Fire-Renwls&EndtsOnly 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Starr Underwriting Agents 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Sun Life Assurance Company of Canada 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Temple Insurance 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
The Commonwell Mutual Insurance Group 20% 12.5% 10%-30% 12.5% 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 Company of Prince Edward Island 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
The Kings Mutual Insurance Company   22.3% 10%-30% 12.5% 10%-25% 10%-35%
The Mutual Fire Insurance Company of British Columbia 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Tokio Marine Kiln Group     15%-26% 7.5%-12.6% 15%-21% 20%-31%
Traders General Insurance Company 11% to 16.5% 8% to 11.5% 10%-30% 12.5% 10%-25% 10%-35%
Trafalgar Insurance Company 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Travelers Canada 20% 10% to 12.5% 10%-27.5% 5%-12.5% 20%-25% 10%-35%
Trillium Mutual Insurance Company 20% to 22.5% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Trisura Guarantee Insurance Company     10%-30% 12.5% 10%-20% 10%-30%
Unica Insurance Inc.            
United Surety Inc. 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
USLI (United States Liability Insurance) Company     10%-30% 12.5% 10%-25% 10%-35%
Wawanesa Mutual Insurance 20% 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Western Assurance 20% 14%        
Western General 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Western Surety 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Wynward Insurance Group     10%-20% 12.5% 15%-20% 10%-35%
XL Specialty Insurance Company Limited 15% to 20% 10% to 12.5% 15%-20% 7.5%-15% 15%-20% 10%-35%
Yarmouth Mutual 20% 10% to 12.5% 10%-30% 12.5% 10%-25% 10%-35%
Zurich Insurance Company Ltd 20% 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.