Compensation Disclosure

Company	Personal Auto	Personal Property	Commercial Auto	Commercial Property
Aviva*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
CAA*	Up to 12.5%	Up to 20%	N/A	N/A
Coachman*	Up to 12.5%	Up to 20%	N/A	Up to 20%
Echelon*	Up to 12.5%	N/A	Up to 12.5%	N/A
Definity (formerly Economical Mutual)*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
Gore Mutual*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
Intact*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
JEVCO*	Up to 15%	N/A	N/A	N/A
M-JAK^^	N/A	N/A	N/A	Up to 15%
Nordic	Flat Fee	N/A	Flat Fee	N/A
Optimum*	N/A	N/A	Up to 20%	N/A
PAFCO*	Up to 12.5%	Up to 20%	N/A	N/A
Pembridge*	Up to 12.5%	Up to 20%	N/A	N/A
SGI*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
Travelers Canada*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
Unica Insurance*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
USLI	N/A	N/A	N/A	UP to 17.5%
Wawanesa Mutual*	Up to 12.5%	Up to 20%	Up to 12.5%	Up to 20%
*Zipper Underwriting^**	N/A	Up to 15%	N/A	Up to 15%
Miscellaneous Managing General Agents (MGAs)	N/A	Up to 15%	N/A	Up to 15%

The commission percentages illustrated are applicable for both new business and renewals. Should there be a change in the commission schedule from your insurer, we will notify you.

*These insurers recognize our effort through a Contingent (profit) Commission contract; with “profit sharing” at year end. Commission paid under this contract is not guaranteed and not attached to any individual policy. It is also dependent upon a combination of growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the insurer. For detailed information on Contingent Commission, please go to the individual company’s website. Your insurer will be providing you with a Consumer Code of Rights and Responsibilities, which will be forwarded to you with your policy.

^Zipper Underwriting is owned and operated by BrokerTeam Insurance Solutions Inc.

^^ BrokerTeam Insurance Solutions holds minority ownership interest in this carrier.