Behind every insurance policy is a valued and respected person – our client. Our most important asset is our clients. That’s why we ensure that when we purchase insurance products and services on your behalf, they are affordable and understandable, and that your needs are met with a high degree of personal attention.

Our role is to provide you with the best insurance value 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, here are the Private Passenger Automobile, Personal Property insurers that we represent, along with the range of commission compensation that each insurer provides as a percentage of overall premiums:

The commission percentage is paid monthly for both new business and renewal business. Should there be any change in the commission schedule we receive from your insurer, or any other material change that affects our compensation arrangements, we will notify you.  

In order for us to maintain strong relationships with quality insurers, we work with each one we represent to provide them with the type of business they desire. Some of these insurers recognize our efforts through a Contingent Profit Commission contract. Payment of this Contingent Profit Commission may depend on a combination of growth, profitability, premium volume, our retention ratios, and increased services that we may provide to the insurer.  

This Contingent Profit Commission is not guaranteed. We would be pleased to provide you with detailed information on this aspect of our compensation, should you have any questions. 

It is also a Regulatory requirement that we inform you of any potential Conflict of Interest, therefore, we are disclosing the fact that Unitas Insurance Services Limited has a financial relationship with Intact Insurance Company of Canada.