Broker Disclosure

STATEMENT OF BROKERAGE SERVICES AND COMPENSATION

As your independent insurance advisor, we represent your interests in the marketplace. Our role is to provide you with the best value proposition that combines coverage, service, financial stability of the insurers with whom we trade and competitive market pricing. We also provide personalized, quality service that includes professional insurance advice and risk management guidance, ongoing policy maintenance and claims support as required.


Arthur J. Gallagher Canada Limited has no direct or indirect ownership or financial interest in any insurer nor does any insurer have any direct or indirect financial interest in our company, whether through equity ownership or loans of any kind. As a truly independent insurance broker, we are not a member or affiliated with any insurer owned, financed or affiliated financial or non-financial network.


Brokerage compensation is part of your insurance premium. For your information, we have listed below the standard range of compensation by line of coverage which varies by insurer as a percentage of the overall premium, please note, if your account is on a fee-for-service / net of commission based compensation arrangement, the below does not apply:


Commercial Property / Boiler & Machinery 10%-20%

Commercial Automobile 7.5%-12.5%

Commercial General Liability 10%-20%

Fidelity / Crime 10%-20%

Umbrella / Excess Liability 7.5%-15%

Professional Liability 10%-15%

Management Liability 10%-17.5%

Ocean Marine / Cargo 10%-20%

Surety 10%-25%


This commission percentage is paid annually for both new business, renewal business and any mid-term policy transaction that generates additional premium. Should there be an increase in the commission schedule we receive from your insurer or MGA, or any other material change that affects compensation arrangements, we will notify you.


In order for us to maintain strong relationships with quality insurers, we work with each carrier on an individual basis to provide the type of business that meets their respective underwriting criteria. There are insurers that recognize these efforts through a “Contingent (Profit) Commission” agreement. Payment of this Contingent (Profit) Commission depends on a combination of growth, profitability (loss ratio), volume, account retention and increased services that we may provide on behalf of the insurer. Contingent (Profit) Commission is not guaranteed and is based on our entire portfolio of business with that particular insurer. Insurance Companies listed with “ * “ may provide “Contingent (Profit) Commission”. For detailed information on Contingent Commission, please go to the individual company’s website.


  • Aboriginal Insurance Services
  • Elite Insurance Company
  • Northbridge Insurance
  • ACE INA Insurance*
  • Markel Canada
  • Novex Insurance Company*
  • Affiliated FM Insurance Company
  • Encon Insurance Managers
  • Old Republic Insurance Company
  • Agri-Business Insurance
  • Euler Hermes North America Insurance Company
  • Pafco General Insurance Company*
  • AIG Insurance Company of Canada
  • Everest Insurance Company of Canada
  • Peace Hills General Insurance
  • Alberta Motor Association
  • Factory Mutual Insurance Company
  • Pembridge Insurance Company*
  • Allianz Insurance Company
  • Federal Insurance Company
  • Perth Insurance Company*
  • Allstate Insurance Company
  • Federation Insurance Company
  • Premier Marine
  • AM Fredericks
  • Frank Cowan Company
  • QBE Insurance Group Limited
  • Amherst Commercial Insurance
  • Global Aerospace Underwriting
  • Red River Valley Mutual*
  • April Canada
  • Gore Mutual Insurance Company
  • Royal & Sun Alliance Insurance Company
  • Arch Insurance Canada
  • Great American Insurance Companies*
  • Saskatchewan Government Insurance*
  • Ascentus Insurance Ltd.
  • GroupOne Underwriters
  • Sompo Japan Insurance Company of America
  • Aviva Insurance Company*
  • Guarantee Company of North America*
  • South Western Group
  • Beacon Underwriting Ltd.
  • Hagerty Insurance
  • Sovereign General Insurance*
  • Berkley Insurance Company
  • Hartford Fire Insurance Company
  • Special Risks Insurance Brokers
  • Boiler & Inspection Insurance Company
  • HDI-Gerling Insurance Company
  • SUM Insurance Group of Companies
  • Canadian Farm Insurance Corp
  • Industrial Alliance Pacific
  • St. Paul Fire and Marine Insurance Company
  • Canadian Jewellers Block
  • Intact Financial Corporation
  • Temple Insurance Company
  • Canadian Liability Insurers
  • Intercargo Insurance
  • Travelers Canada*
  • Can-Sure Underwriting
  • International Insurance of Hannover
  • Trafalgar Insurance Company
  • CFC Underwriting
  • Jevco Insurance Company
  • Totten Group Insurance
  • Chubb Insurance*
  • K&K Insurance Group
  • Trisura Guarantee Insurance Company*
  • Coachman Insurance Company*
  • The Kings Mutual Insurance Company
  • United Surety Company
  • CNA Canada Group (Continental Casualty Group)*
  • Liberty Mutual Insurance Company
  • Waterloo Insurance Company
  • Creechurch International U/W's
  • Lloyd's Underwriters
  • Wawanesa Insurance Company
  • DAS Legal Protection Insurance Company Limited
  • L'Unique General Insurance
  • Western Assurance
  • Dominion Insurance Company*
  • Manitoba Public Insurance*
  • Western Surety*
  • Eastern Insurance
  • National Liability & Fire
  • Westport Insurance Corporation
  • Ecclesiastical Insurance Group*
  • National Union Fire Insurance
  • Wynward Insurance Group*
  • Echelon General Insurance Company
  • Nordic Insurance Company
  • XL Insurance Company Limited
  • Economical Mutual Insurance Company
  • Nordique Insurance Company
  • Zurich Insurance Company

Arthur J. Gallagher Canada Limited and its subsidiaries share common ownership with Arthur J. Gallagher & Co., a public company listed on the New York Stock Exchange.