Commission Disclosure


How We Get Paid For Our Services

As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable, and understandable.

Our goal is to provide you with the best insurance value that combines coverage, service and price.  We also provide personalized, quality service that includes professional insurance advice, ongoing review of your insurance needs and claims support.  We are your advocate, using our professional experience to best represent your individual interest.  As a result, all our policies come complete with someone who cares about you and acts on your behalf.

Brokerage compensation is part of your insurance premium. For the services we provide to you, we receive a percentage of your insurance premium, as a commission, paid to us by your Insurance Company.  For your benefit, below, we have listed the Property & Casualty Insurance Companies with whom we have contracts (and also other insurance markets that do not require a contract, with whom we have over $100,000 in annual premium), together with the range of compensation each provides, as a percentage of your overall premium. For a printed copy of this information, feel free to call us.


* / **Aviva Insurance Company 10 – 20%
**Chubb Insurance Company 10 – 20%
* / **Travelers 10 – 20%
* / **Economical Insurance Group 10 – 20%
**Royal & Sun Alliance 10 – 20%
* / **Gore Mutual Insurance 10 – 20%
* / **Intact  Insurance Company 10 – 20%
Northbridge 10 – 20%
Zurich Canada 10 – 20%
Unica Insurance 10 – 20%

This commission percentage is paid annually for both new business and renewals.

*Insurance companies with a single asterisk beside them indicate that commissions may be up to 25% for Group Programs, Surety and Mutual Policies.

**Our goal is to maintain strong relationships with all our Insurers.  The Insurers with a double asterisk noted above recognize our efforts through a Contingent (Profit) Commission contract.  Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer.  Contingent (Profit) Commission is not guaranteed.  For detailed information on Contingent Commission, please go to the individual company’s website.

“Lackner McLennan Insurance Ltd. currently has a loan guaranteed by Gore Mutual Insurance that was used to expand our business. This relationship does not factor into our decisions in offering you the best protection available. We still provide expert, independent insurance advice that our clients have come to expect, based on our understanding and assessment of your needs.”

If you have any questions, or if we can assist you or someone else you know, please don’t hesitate to contact us.

Last updated September 2016