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.