Market Practices Statement

Thank you for entrusting your insurance needs to us. We pride ourselves on obtaining the best possible insurance value on your behalf. Our primary concerns are appropriate coverage and first class service at a competitive price. Brokerage compensation is part of your insurance premium. We are pleased to provide you with a list of the companies that we represent along with the range of compensation included in your premium for the products that we offer.

ACE INA Insurance
Affiliated FM Insurance Co.
Arch Insurance Canada
Aviva Canada Inc.
Axa Art Insurance Corp.
Berkley Insurance Co.
Boiler Inspection & Ins. Co.
Chubb Insurance Co. of Canada
CNA Canada
Co-Operators General Insurance
Echelon General Insurance Co.
Everest Insurance Co. Of Canada
Factory Mutual Insurance Co.
Great American Ins. Co
Guarantee Co. of North America
Hartford Insurance
Intact Insurance 
Jevco Insurance
Liberty Mutual Insurance
Lloyd’s Underwriters
Mitsui Sumitomo Insurance
Northbridge Financial Corp.
Perth Insurance Company
Royal & Sun Alliance Ins. Canada
Travelers Canada/St.Paul
Unica Insurance
Wynward Insurance Group
XL Insurance
Zurich Insurance
Automobile  5% - 15.5% Property 5 – 25%
Liability 8 -  25% Bonding 15% - 30%

In addition to these companies, we deal with a variety of  wholesale and specialty brokerages when the unique needs of a client require coverages that are not readily available through these insurance markets.

Your best interests are our prime consideration.  We do not have any conflicts of interest between you and the insurance companies that we represent.  We may receive contingent commissions based on loss ratio; growth; and retention from Intact; Aviva; Chubb; Echelon; Perth; Northbridge; Unica; RSA; Zurich.  We are never influenced in placing business by the possibility of a contingent commission. 

We are independently owned and we do not participate in any relationships with insurance companies that require us to write a certain percentage of our business with them.  We are proud to state that we have never been influenced by anything other than the best interests of our clients.

If you have any questions regarding our market practices please feel free to contact our C.E.O:

Barry Downs
Phone: 416-366-5243
Fax: 416-862-2416

Partners Indemnity Insurance Brokers Ltd.
10 Adelaide St. E., Suite 400, Toronto, ON M5C 1J3