We collect, use and disclose Personal Information (including to and from insurance intermediaries) for the following Identified Purposes:
Obtaining and submitting insurance quotes and processing insurance policies on your behalf;
Establishing and maintaining communication with you;
Facilitating and arranging payment of fees and premiums;
Overseeing the handling of your claims;
Complying with the law or requests of law enforcement agencies or regulators;
Detecting and preventing fraud or other illegal activities; and
Notifying you of products or services that might interest you.
Your voluntary provision of Personal Information directly to us, for the purpose of transacting an insurance contract;
Your express consent or acknowledgement contained within a written, verbal or electronic communication or application process;
Your consent given through your authorized representative such as a legal guardian, agent or holder
of power of attorney.
You may, upon giving reasonable notice to us, withdraw or vary your consent to the collection, use or disclosure of your Personal Information. In some cases, withdrawing consent for us to collect, use or disclose your Personal Information could mean that we can continue to provide you with insurance services or information. We will inform you of any consequences of withdrawing consent. If you wish to withdraw your consent, please call us a 403-943-0466.
As your Independent Insurance broker, our goal is to provide you with the best insurance products for coverage, service, and price. Our role is to provide you with personalized service, advice, policy maintenance and to advocate for you when you experience a claim.
Brokerage compensation forms part of your insurance premium. The following outlines the lines of business that we can provide and the range of applicable compensation, as a percentage of the premium, that you pay.
Commercial Property / Equipment Breakdown 10% - 20%
Professional Liability 10% - 20%
Ocean Marine / Cargo 10% - 20%
Surety 10% - 40%
Fidelity/Crime 10% - 20%
Ocean Marine/Cargo 10% - 20%
Management Liability 10% - 20%
Umbrella / Excess Liability 7.5% - 20%
Commission is paid annually for both new and renewal business and any mid-term policy transaction that incurs additional premium. If there is an increase in the compensation provided by your insurance provider, we will notify you.
In addition, Insurers recognize our efforts through a Contingent Commission contract. Payment of this Commission is dependent on a combination of growth, profitability, loss ratio, volume and retention. It is based on our entire portfolio of business with that Insurer and not on individual policies. Contingent Commission is not guaranteed.
From time to time, insurance companies may offer incentives to individual brokers, including contest entries, trip and other forms of hospitality. Such sales incentives are typically based on performance criteria established by the insurer. We are committed to providing objective advice to our customers, notwithstanding the receipt of any such incentives. We are primarily concerned with servicing our clients’ best interests.
If you have any questions regarding this, or any other aspect of your insurance, please contact us. We are happy to answer any of your questions.