Connect with an Expert

Connect with an Expert

Compensation Disclosure


At the NFP, our role is to provide you with the best insurance value, combining coverage and price along with personalized service that includes professional advice, ongoing policy maintenance and claims support. When an issue arises regarding your insurance coverage, we are your advocate and will employ our experience and the leverage we have built with our insurance company partners to best represent your interests.


Broker compensation is part of your premium and we are compensated for our sales and service work based on a commission basis. Commissions vary by policy type, generally up to a maximum of 12.5% for automobile policies, a maximum of 20% for property and liability policies and up to 25% for specialty lines of business on both personal and business insurance policies.
For your benefit, we have listed below our key contracted insurance companies.

AIG Insurance

Aviva Insurance *

Chubb Insurance *

Facility Association

Lloyds Canada*

Royal & Sun Alliance

Unica Insurance

Allianz Global Risk

Beazley Canada

CNA Insurance*


Markel Canada

Sovereign General*

XL Specialty

Allied World

Berkley Canada

Economical Insurance

Intact Insurance *

Northbridge Insurance

Travelers Insurance*


Arch Insurance

BI&I Canada

Edge Mutual

Liberty International

Old Republic



In order that we maintain strong relationships with our contracted insurance companies we work with them to place business that best fits their target niches. Some insurance companies provide an incentive through profit sharing arrangements if we achieve certain, retention, growth and overall portfolio profitability targets. The insurance companies with an asterisk beside their name have these arrangements in place with our office. These contingent bonuses are never guaranteed and do not influence where we place our clients’ business.

Your insurance company should have provided you with a consumer code of rights and responsibilities. If you do not have a copy it can easily be obtained from their website. If you have any questions regarding this or any other aspect of your insurance please contact us.