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
Gore Mutual 12.5% Yes
Hagerty 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
Travelers 12.5% Yes
Wawanesa 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
Gore Mutual Insurance 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
Wawanesa 20% Yes


Commercial Insurance–Property and Casualty Commissions

Name of Insurer Range of Standard Commissions CPC Website
AIG Insurance Company of Canada 7.5% – 20.0% No
Allianz Global 10% – 20.0% No
Allied World Specialty Insurance Company 10% – 20.0% No
Aviva Insurance Canada 7.5% – 25% Yes
AXA XL Speciality Insurance Company 10.0% – 20.0% No
Axis Reinsurance Company 10% – 20.0% No
Beazley Canada Limited 10.0% – 15.0% No
Berkley  Canada 10.0% – 20.0% Yes
Berkshire Hathaway Speciality Insurance 10.0% – 20.0% No
Chubb Insurance Company of Canada 10.0% – 20.0% Yes
CNA 12.5% – 27.5% Yes
Ecclesiastical Insurance 10.0% – 20.0% No
Echelon General Insurance 10.0% – 20.0% Yes
Economical Insurance 7.5% – 25.0% Yes
Edge Mutual Insurance Company 10.0% – 20.0% Yes
Everest Insurance Company of Canada 10.0% – 20.0% Yes
Gore Mutual Insurance Company 7.5% – 20.0% Yes
Great American Insurance 10.0% – 20.0% Yes
HD Mutual Insurance Company 10.0% – 20.0% Yes
HDI Global SE Canada 10.0% – 20.0% No
HSB BI&I 10.0% – 20.0% Yes
Intact Insurance Company 5.0% – 25.0% Yes
Liberty International 10.0% – 20.0% Yes libertymutualcanada.com
Markel Canada Limited 7.5% – 20.0% No
Northbridge Insurance 7.5% – 20.0% Yes
Old Republic Insurance Company of Canada 7.5% – 10.0% No
QBE Insurance 7.5% – 20.0% No
Sovereign General Insurance 10.0% – 27.5% Yes
Starr Insurance and Reinsurance Limited 10.0% – 20.0% No
Swiss Re Corporate Solutions 10.0% – 20.0% No
The Nordic Insurance Company of Canada 5.0% – 15.0% No
Travelers Insurance Company of Canada 10.0% – 25.0% Yes
Trisura Guarantee Insurance Company 10.0% – 20.0% Yes
Unica Insurance Inc. 7.5% – 20.0% Yes
Wawanesa Mutual Insurance Company 7.5% – 20.0% Yes
Wynward Insurance Group 10.0% – 20.0% Yes
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: .