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Commission Disclosure

The insurance industry and provincial regulators have jointly and voluntarily agreed to disclose compensation and financing of insurance brokers in Ontario.  We are committed to disclosing compensation to ensure transparency in our service to you.
Listed below are the personal lines insurers that we represent and a range of our annual compensation from them.

Insurance Company: Auto: Property:
Aviva 12.5% 20%
Commonwell Mutual 12.5% 20%
Guarantee  12.0% 20%
Peel Mutual                12.5% 20%
Intact 15.0%, 12.5% or 10.0%  20%
Jevco 12.5 % or 5.0%   N/A
Pafco 12.5% N/A
Pembridge 12.5% 20%
RSA 12.5% 20%
Traveler’s 12.5% 20%
Our brokerage also participates in profit sharing with our Insurers. Payments of profit sharing are based on profitability, loss ratio, growth, volume, retention and services provided on the portfolio as a whole. Profit sharing is not guaranteed – it is contingent on the performance of the entire portolio over a period of time.

SWB Insurance Brokers is a privately owned business. There is no direct or indirect ownership with any insurance company.

For more information, please visit: http://www.ribo.com/cisro-conduct-guidance/

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