Our Broker Compensation
Thank you for your business. As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable, and understandable.
Our role 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 policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to represent your individual interest.
Brokerage compensation is part of your insurance premium. For your benefit, we have listed below the Insurers that we represent (directly and indirectly) and have included the range of compensation each provides as a percentage of your overall premium.
Commission Breakdown:
| Insurer | Commission | Insurer | Commission | |
| ABEX Affiliated Broker Exchange | 15% -17.5% | Hartford Canada | 15% | |
| Affiliated FM Insurance Company | 15% | HDI Global Specialty SE | 15% | |
| Agile Underwriting Solutions | 15% | i3 Underwriting Managers Inc. | 15% | |
| AIG Insurance Company of Canada | 15% | Industrial Alliance Insurance | 15% – 20% | |
| Allianz Global | 10% – 20% | Intact Insurance | 12.5% – 30% | |
| Allied World Assurance Company Holdings | 10% | Intact Public Entities (Frank Cowan Company) | 10% – 15% | |
| AllSport Insurance Marketing Ltd. | 15% | Jevco Insurance Company | 5% – 12.5% | |
| AM Fredericks Underwriting Management Ltd. | 15% | K & K Insurance Group, Inc. | 10% | |
| Apollo Insurance Solutions Ltd. | 15% | Liberty Mutual Insurance Company | 10% – 30% | |
| APRIL Canada Inc. | 15% | Linx Underwriting Solutions | 17.5% | |
| ARAG Legal Solutions Inc. | 20% | Lions Gate Underwriting | 15% | |
| Arch Insurance (Canada) | 20% | Markel Canada Limited | 10% – 20% | |
| Ascent Underwriting LLP | 22% | Millenium Insurance Corp. | 15% | |
| Aurora Underwriting Services | 15% | Milnco Insurance Inc. | 15% | |
| Aviva Insurance Company of Canada | 12.5% – 30% | Northbridge General Insurance Corporation | 12.5% – 30% | |
| AVRO Insurance Managers Ltd. | 15% | Oceanic Underwriters Ltd. | 15% | |
| AXA XL | 15% – 20% | Optimum West Insurance Company | 20% | |
| AXIS PRO Canada | 15% | Pacific General Underwriting Management Ltd. | 15% | |
| Beacon Underwriting Ltd. | 15% – 20% | Pacific Marine Underwriting | 15% | |
| Beazley Canada Ltd. | 15% – 22.5% | PAL Insurance Brokers | 20% | |
| Berkley Canada | 15% | Peace Hills Insurance | 12.5% – 20% | |
| BI&I | 20% | Plus Underwriting Managers Ltd. | 10% | |
| Boiler Inspection & Insurance | 20% | Portage Mutual | 20%` | |
| Boxx Insurance Inc. | 16% | Portage Mutual Insurance Company | 20% | |
| Brokerlink Inc. | 16% | Premier Canada Assurance Managers Ltd. | 15% – 17.5% | |
| Burns & Wilcox Canada | 15% | QBE Services Inc. | 20% | |
| Cambrian Special Risks | 15% | Risk-Can Underwriting Managers | 15% | |
| Canada Worldwide Brokers Ltd. | 15% | SGI CANADA Insurance Services | 20% | |
| Canadian Aviation Insurance | 10% | Signature Risk Partners Inc. | 10% – 15% | |
| Cansure | 15% – 20% | South Western Insurance Group | 12.5% – 25% | |
| CFC Underwriting Ltd. | 15% | Special Risk Insurance Managers Ltd. | 15% – 30% | |
| Chubb Insurance Company | 10% – 25% | Starr Technical Risks | 15% | |
| Chutter Underwriting Services | 15% – 20% | Strategic Underwriting | 15% | |
| CNA | 15% – 25% | The Guarantee Company of North America | 20% – 30% | |
| Coast Underwriters Ltd. | 12.5% – 20% | The Mutual Fire Insurance Company | 20% | |
| Definity Insurance Company | 12.5% – 20% | The Sovereign General Insurance Company | 12.5% – 30% | |
| Eagle Underwriting Agency Group | 15% | The Totten Insurance Group | 12.5% – 15% | |
| EasyCover | 17.5% | Trans Canada Insurance Marketing Inc. | 15% | |
| Ecclesiastical Insurance | 17.5% | Travelers Canada | 20% – 30% | |
| Echelon Insurance | 20% | Trinity Underwriting | 15% | |
| Elite Insurance Company | 20% | Trisura Guarantee Insurance Company | 20% – 30% | |
| Everest Insurance Company of Canada | 20% | TruStar Underwriting Inc. | 15% | |
| Evolution Insurance Inc. | 15% | TSW Management Services Ltd. | 12.5% | |
| Excess Underwriting | 15% | Unique Risks Ltd. | 15% | |
| FM Global | 15% | Victor Canada | 10% | |
| Fortress Insurance Company | 20% | Wawanesa Mutual Insurance Company | 12.5% – 20% | |
| Game Day Risk Services | 15% | Wynward Insurance Group | 20% | |
| Global Aerospace Underwriting | 15% | Xpert Underwriting Inc. | 15% | |
| Gore Mutual Insurance Company | 20% | Zurich Insurance Company Ltd. | 15% – 30% | |
| Great American Insurance Co. | 15% – 30% |
Commission percentage is paid annually for both new business and renewals.
Should there be an increase in the commission schedule we receive from your insurer, or any other material change that affects compensation arrangements, we will notify you.
In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. The Insurers with an 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.
Your Insurer has made a Consumer Code of Rights and Responsibilities available on their website for your information. In some cases, the Insurer will automatically forward this information to you with your insurance policy. If you have any questions regarding this or any other aspect of your insurance, please contact us.
Kaerus Group Risk Solutions Inc.
Suite 340, 600 Crowfoot Crescent NW
Calgary, AB T3G 0B4
Main: 1(587)943-3185
Toll Free: 1(844)753-0039
Email: service@kaerusgroup.com
Kaerus Group Risk Solutions 