Financial Disclosure


As your Independent Insurance Broker, Jones DesLauriers Insurance Management Inc. will purchase products and services on your behalf that are available, affordable and understandable.

Our role is to provide our clients with the best insurance value for your money 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 the insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium. This commission percentage is paid annually for both new business and renewals. Should there be a change in the commission schedule we receive from your insurer, or any other material change that affects compensation arrangements, we will notify you.

InsurerCommercial
ACE INA Insurance0 – 15
Affiliated FM Insurance Co0 – 15
AIM Underwriting Ltd0 – 15
Allianz Insurance Company0 – 15
AM Fredericks Underwriting0 – 12.5
Arch Insurance0 – 20
April Canada Inc0 – 15
Atlantic Marine Underwriters0 – 15
Aviva Canada *0 – 20
Aviva Canada – Surety *0 – 25
Aviva Elite *0 – 20
Aviva Pilot Insurance Company *0 – 20
Axis (formerly Media/Professional Ins)0 – 12.5
Boiler Inspection & Insurance0 – 20
Burns & Wicox0 – 25
Canadian Aircraft Insurance Co.0 – 10
Chartis (formerly AIG)0 – 20
Chess Surplus0 – 15
Chieftain Insurance Company0 – 20
Chubb Insurance *10 – 20
Chubb Insurance – Surety0 – 30
CNA Insurance *0 – 20
Coachman Insurance0 – 15
Coast Underwriters0 – 20
Commerce & Industry0 – 15
Commonwealth Insurance *0 – 15
Consolidated Underwriting0 –20
Creechurch International0 – 15
Dominion of Canada *0 – 20
Dominion of Canada – Surety0 – 25
Eagle Underwriting Group Inc.0 – 15
Ecclesiastical Insurance0 – 20
Economical Mutual Insurance *0 – 20
Employers Reinsurance Corp.0 – 20
Encon Insurance0 – 15
Elliott Special Risks Ltd0 – 15
Facility Association0 – 10**
Farmers Mutual Insurance *0 – 20
First Media Insurance Agency0 – 12
InsurerCommercial
GCAN Insurance *0 – 20
Global British Aviation Insurance Co.0 – 10
Gore Mutual *0 – 20
Grain Insurance0 – 20
Great American *0 – 20
GroupOne Underwriters0 – 25
Guarantee Company of N.A. *0 – 24
Guarantee Co – Surety *0 – 25
Intact Insurance *0 – 20
Interstate Motor Carriers Agency0 – 15
ING Wellington – Surety0 – 30
Jevco (formerly Kingsway General) *0 – 18
K & K Insurance0 – 15
Knox Vicars McLean0 – 15
Liberty International0 – 15
Lloyds of London0 – 20
McMichael Davis Marine0 – 10
Northbridge *0 – 20
Pacific Marine Underwriting0 – 20
PAL Insurance0 – 20
Perth Insurance0 – 15
Premier Marine Insurance0 – 20
Risk Placement Services0 – 10
RSA (formerly Royal–Sun Alliance) *0 – 20
South Western Group0 – 15
Sovereign General *0 – 20
Sportscan0 –25
Totten Group0 – 12.5
Travelers – Surety *0 – 25
Travelers *0 – 25
Trisura *0 – 20
Waterloo Insurance0 – 20
Wawanesa Insurance Co *0 – 20
Western Assurance Company0 – 20
Western General0 – 20
Wholesale Insurance Group0 – 15
XL Global Risk0 –15
Unica Insurance *0 – 20

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 noted with an asterisk recognize our efforts through a Contingent (Profit) Commission contract. The 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. This may include sales incentives.

We also have specific insurance programs written exclusively with one insurer in which we have entered into an exclusive contract. We will advise you if you are being considered for one of these insurance programs.

Northbridge Financial Corporation has an ownership interest in Jones DesLauriers Insurance Management Inc. Our disclosure commitments are made in the best interest of consumers. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.

* Indicates Insurers with whom Jones DesLauriers Insurance Management Inc. has a Contingent Profit Commission agreement

** Commission subject to an additional $310 Policy Fee