As an insurance broker, our role is to provide you with the best insurance value that combines coverage, service, and price. Together with our service partners, we act as your insurance resource to offer professional insurance advice and ongoing policy maintenance.

It is our responsibility to select an insurance company that is committed to meeting your specific needs. We work with a number of insurance companies. Who your insurer is will vary depending on the product and your province or territory of residence. We want you to be confident that your policy will always provide exceptional coverage and a competitive price.

Our compensation is part of your insurance premium. We receive compensation from all of the insurance companies that we work with.

We have listed below the range or percentage of compensation we obtain from insurance companies that we represent for the sale of automobile and property insurance. The percentages represent percentages of the total premium that appears on your invoice. These percentages can vary depending on the insurer, province or territory, and the specific coverage being provided.

• Automobile Insurance 8% to 15%
• Property Insurance 8% to 20%
• Miscellaneous Vehicle 10%

This commission percentage is paid annually for both new business and renewals. Should there be an increase in the range of compensation 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 insurance companies, we work with each to provide the type of business they desire. For automobile and property insurance Traders Aviva Canada recognizes our efforts through a Contingent Commission contract. Payment of this Contingent Commission depends on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the Insurer. Contingent Commission is not guaranteed.

Northbridge Financial Corporation, the parent company of Zenith Insurance Company and Northbridge General Insurance Corporation, owns Vertis Insurance Solutions Ltd.