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Regulatory bodies

Different regulatory bodies monitor insurance brokers. Here are a few links to different organizations that pertain to brokers in Ontario:

Financial Services Commission of Ontario

For detailed insurance information including the recent changes to auto insurance, tips on reducing your homeowner’s premiums and much more, please visit the Financial Services Commission of Ontario (FSCO)

Other useful websites

Here are a few websites that you may find useful when looking for more information about insurance in general and other useful tips:

Policy Commissions

Thank you for your business. As your Independent Insurance Broker, we purchase what we feel are the best insurance products & services on your behalf that are available, affordable & 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 best represent your individual interest.

Brokerage Compensation is part of your insurance premium. For your benefit, we have listed below Auto, Home, and Commercial insurers that represent contractually, including the range of compensation each provides as a percentage of your overall premium:

  • Coachman Insurance – 10% – 12.5%
  • Grenville Mutual Insurance 10% – 12.5%
  • Hagerty Canada 12.5%
  • Intact Insurance 10% – 12.5%
  • Jevco Insurance 5% – 12.5%
  • Nordic Insurance (Facility) 5% – 11%
  • Optimum Insurance 12.5%
  • Pafco Insurance 10% – 12.5%
  • Pembrigde Insurance 10% – 12.5%
  • Portage Mutual Insurance 10% – 12.5%
  • SGI Canada Insurance 10% – 12.5%
  • Grenville Mutual Insurance – 20%
  • Intact Insurance – 20%
  • Optimum Insurance – 20%
  • Pembridge Insurance – 20%
  • Portage Mutual Insurance – 20%
  • SGI Canada Insurance – 20%
  • Chubb Insurance 15%
  • Ecclesiastical Insurance – 20%
  • Grenville Mutual Insurance – 20%
  • Intact Insurance – 20%
  • Optimum Insurance – 20%
  • Portage Mutual Insurance – 20%
  • Intermediaries and Managing General Agents – 10% – 15% We can access various insurance Intermediaries (wholesale brokers), and specialty insurers, for which we have no contracts.

This commission percentage is paid to us annually on new business and renewals.

Should there be an increase in the commission, we receive from the insurer, or any other material change that affects compensation arrangements, we will notify you.

RECEIPT OF CONTINGENT COMMISSIONS: In order for us to maintain strong relationships, we work with each business to provide the type of business they desire. Most of the Insurers 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 or contact us and we will obtain this information for you.

SALES INCENTIVES: We are not offered a sales incentive by any of our insurance companies.

OWNERSHIP: Champlain Insurance Brokers Inc. is not owned in any manner by any insurance company. We have no loans of guaranteed by any insurance company, nor do we have any financial relationship with any insurance company.

A Consumer Code of Rights and Responsibilities is available upon request. Please contact us if you have any questions regarding this or any other aspect of your insurance.