Thank you for being a Client of St. Andrews. We appreciate the confidence you have placed in us, and we will to continue work hard on your behalf to earn your trust and goodwill.  Our goal is to arrange the appropriate insurance protection for you, combining sound advice with coverage tailored to meet your needs. Whether you are a new client or a loyal long-term client, experiencing good claims results or in times of trouble, we want to be there for you.  It’s important to note that we serve as your advisor and as your guide, We are on “your side” and we represent you. (That’s what a great insurance broker should do!)

In other words, all our policies come complete with someone who cares about you and acts on your behalf.

How We Get Paid For Our Services

For the services we provide to you, we receive a percentage of your insurance premium, as a commission, paid to us by your Insurance Company. Below, we have listed the Property & Casualty Insurance Companies with whom we have contracts (and also other insurance markets that do not require a contract, with whom we do business with on a regular basis, together with the range of compensation each provides, as a percentage of your overall premium. This commission percentage is paid to us, each policy term, for both new policies and renewals.

Our firm is privately owned, and completely independent. There is no direct or indirect ownership interest by any Insurance Company or Financial Institution. We confirm that there are no conflicts of interest in our relationship with you, and that our overall recommendations to you are based on our understanding and assessment of your needs.

If you have any questions, or if we can assist you or someone else you know, please don’t hesitate to contact us.

We have a dedicated, dynamic, and well-educated team, with specialists in many different insurance disciplines, including business and commercial insurance, personal home and auto insurance, group insurance, surety bonds and life and disability insurance.


Personal & Commercial Automobile

(may include recreational vehicles, mobile trailers, trailers, motorcycles etc.)

Insurance Company                                                    Commission Rate

Aviva*                                                                                          7.5 – 12.5%

Chubb Insurance Company*                                                    10 – 12.5%

Chieftain*                                                                                    10 – 12.5%

Coachman*                                                                                  10 – 12.5%

CAA                                                                                               10 – 12.5%

Economical Insurance Group*                                                7.5 – 12.5%

Echelon Insurance                                                                     10-12.5%

Everest Insurance                                                                       5 – 12.5%

Howick Mutual Insurance Group*                                         10 – 12.5%

Intact Insurance Group*                                                          7.5 – 12.5%

Jevco Insurance Group*                                                           5 – 12.5%

Pafco Insurance Company*                                                     10 – 12.5%

Pembridge Insurance Company*                                           10 – 12.5%

SGI*                                                                                              10 – 12.5%

Traders general Insurance Company*                                  8 – 11.5%

Travelers Canada*                                                                     7.5 – 12.5%

Wawanesa Insurance*                                                              10 – 12.5%


Personal & Commercial Property, Liability, Umbrella, Marine

Insurance Company                                                   Commission Rate

Aviva*                                                                                  15 -20%

Aegis                                                                                    10-25%

Chubb Insurance Company*                                          10 -20%

Chieftain*                                                                           20%

CFC Underwriting                                                             15%

CAA                                                                                      20%

Ecclesiastical                                                                     10 -15%

Economical Insurance Group*                                      15 -20%

Echelon Insurance                                                           10 – 20%

Everest Insurance                                                             10 – 20%

Guarantee Company of North America*                     10 – 15%

Howick Mutual Insurance Group*                               20%

Intact Insurance Group*                                                15 -20%

Optinum Insurance                                                         10-20%

Pembridge Insurance Company*                                 15 -20%

SGI*                                                                                   15 -20%

Travelers Canada*                                                          15 -20%

Trisura Group*                                                                10 – 15%

Wawanesa Insurance*                                                   15 -20%

Wynward*                                                                        15 -20%


Specialty Lines placed with Intermediaries & Wholesalers, non contracted markets etc.

In addition to the Insurance Companies indicated above, St Andrews Insurance Brokers Ltd will place risks with Specialty Markets when it is our client’s best interest. In most cases, these specialty markets provide compensation at a lower rate than the Insurers we represent.

Commission rates with these markets range from 5% to 20% depending on the class of business, size of the account, complexity, etc.

Insurance Company

Arag                                        AM Fredricks               Abex

April                                         Beazley                        Burns & Wilcox

Canada Worldwide                 Chesterfield Canada   Coast Underwriters

Core Underwriting                  Cowan Group             Ches              DAS

Encon                                      Group One                  Hagerty

Markel                                    Premier Group

Rause                    Southwestern

SUM                                        Totten



Commission rates with these markets range from 15% to 27.5% depending on the class of business, size of the account, financial strength of the company, guarantees etc.

Insurance Company



Travelers Canada*

Trisura Group*

If commission rates change you will be notified.

The insurers with an asterisk (*) recognize our efforts with profit sharing. Payments of profit sharing are based on profitability, loss ratio, growth, volume, retention and services provided on the portfolio as a whole. Profit sharing is not applicable on an individual account. Profit sharing is not guaranteed – it is contingent on the performance of the entire portfolio over a period of time. Details of insurer profit sharing arrangements are available from the individual insurer’s websites.

St Andrews Insurance Brokers Ltd. may accept other forms of compensation from insurers from time to time. Other forms of compensation include attendance at educational events, meetings and seminars. These incentives are not related to the placement of insurance on individual accounts.