Disclosure of Insurer Relationships and Our Broker Compensation

As your independent insurance broker, we purchase insurance products and services on your behalf from Canada’s leading insurance companies.

Our role is to provide you with the best insurance value combining coverage, service and price.

We provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we’re your advocate, using our professional experience to best represent your interests. Our independence allows us to provide unbiased advice based on your circumstances.

How we are paid for the services we provide

Insurance companies provide us with compensation (“commission”) annually for both new and renewal business. This commission is paid annually as a percentage of your overall premium, or as a separate fee arrangement with you, the client. Should there be an increase in the commission we receive from your insurance company, or any other material change that impacts commission, we will notify you directly. The company amounts and range of commission varies across insurance companies and class of business.

Personal Insurance–Automobile Commissions

Name of Insurer Range of Standard Commissions CPC Website
Aviva Insurance Company 12.5% Yes
CAA Insurance 12.5% Yes
Chubb Insurance 10.0% Yes
Echelon General Insurance Company 12.5% Yes
Economical 10%–12.5% Yes
Elite 12.5%–20% Yes
Edge Mutual 12.5% Yes
Gore Mutual 12.5% Yes
Hagerty 12.5% Yes
Heartland Farm Mutual 12.5% Yes
Halwell Mutual 12.5% Yes
Intact Insurance 10%–12.5% Yes
Jevco Insurance Company 12.5% Yes
Northbridge Insurance 10%–12.5% Yes
Novex Insurance 10%–12.5% Yes
Royal and Sun Alliance Insurance 10%–12.5% Yes
Travelers 12.5% Yes


Personal Insurance–Residential and Other Commissions

Name of Insurer Range of Standard Commissions CPC Website
Aviva Insurance Company 20% Yes
CAA Insurance 20% Yes
Chubb Insurance 15%–20% Yes
Echelon General Insurance Company 15% Yes
Economical Insurance 17.5%–20% Yes
Edge Mutual 20% Yes
Gore Mutual Insurance 20% Yes
Heartland Farm Mutual 20% Yes
Halwell Mutual Insurance Company 20% Yes
Intact Insurance 15%–20% Yes
Northbridge Insurance 20% Yes
Novex Insurance 15%–20% Yes
Pacific Marine Underwriting 15% No
Premier Marine 15% No
Travelers 12.5% Yes


Commercial Insurance–Property and Casualty Commissions

Name of Insurer Range of Standard Commissions CPC Website
AIG Insurance Company of Canada 7.5%–20% No
Aviva Canada 7.5%–25% Yes
Beazley Canada Limited 10.0%–15.0% No
Brownstone Insurance Managers 8.0% No
Chubb Insurance Company 10.0%–20.0% Yes
Chutter Underwriting Services 15.00% No
CNA 12.5%–27.5% Yes
Economical Insurance 7.5%–25.0% Yes
Group One Underwriters 10.0%–15.0% No
Heartland Farm Mutual 10.0%–20.0% Yes
HSB BI&I 10.0%–20.0% Yes
Intact Insurance 10.0%–25.0% Yes
Intact Public Entities 5.0%–15.0% No
Liberty Mutual 10.0%–20.0% No
Markel Canada 7.5%–15.0% No
Northbridge Insurance 7.5%–20.0% Yes
Old Republic Insurance 7.5%–10.0% No
Pitcher & Doyle 12.0%–20.0% No
RSA Group 7.5%–20.0% Yes
Sovereign Insurance Company 10.0%–27.5% Yes
Travelers Canada 10.0%–25% Yes
Totten Group Insurance 7.5%–15% No
Zurich Insurance Company 10.0%–25.0% Yes


Commercial Insurance–Surety Commissions

Name of Insurer Range of Standard Commissions CPC Website
Aviva Canada 15.0%–27.5% No
CNA 15.0%–30.0% No
Economical Insurance 15.0%–25.0% No
Intact Insurance 15.0%–30.0% No
Sovereign Insurance Company 15.0%–30.0% No
Travelers Canada 15.0%–27.5% No
Trisura 15.0%–30.0% No
Western Surety 15.0%–27.5% No
Zurich 15.0%–25.0% No

Some of the insurance companies we work with provide us additional compensation through Contingent Profit Commission (CPC). Payment of CPC generally depends on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of an insurance company. It’s based upon our entire portfolio with that insurance company and not on individual policies. CPC isn’t guaranteed.

For detailed information on CPC, please visit your insurance company’s website.

IJʿ is affiliated with Fountain Street Finance Incorporated through common ownership which operates under separate management.

Your Rights and Responsibilities

At IJʿ we’re committed to protecting your rights as consumers. These include the right to privacy, to be fully informed and treated with respect, and to have timely claims handling and complaint resolution. As a consumer, you also have important responsibilities under the insurance contract. You’re responsible for understanding your needs, asking questions, and providing accurate information to your broker and insurer.

You can read more about your rights and responsibilities on the Insurance Bureau of Canada’s website: .