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Privacy policy
We take care to protect the privacy of customers and users of this site. Set out below is an explanation of how we process information about visitors to the site:
Personal Information
Some information is collected automatically when you visit the site because your IP address
needs to be recognized by the server. We may use this information to monitor and analyze how parts of our site are used. Individual users are not identified and we do not use "cookies" for research.
We will not disclose without your consent any personal information we collect about you when you visit this site to a third party outside of Aviva. Third party sites are not covered by this privacy policy.
International Transfers of Personal Information.
As the Internet is worldwide if you are visiting this site from outside Canada your visit will necessarily result in the transfer of information across international borders.
By visiting this site and communicating electronically with us you are consenting to these transfers.
Aviva Insurance Company of Canada Broker Compensation
As an insurer, Aviva Insurance Company of Canada (Aviva) has agency contracts with insurance brokers who provide advice and purchase insurance cover on their client’s behalf.
We take great care to ensure that our brokers who are under contract will operate to the highest professional standards. They earn their brokerage compensation as part of the insurance premium paid in the form of a commission.
Brokers have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Aviva are:
Private Passenger Automobile (*) 10.0 - 12.5%
Personal Household & Property (**) 15.0 - 25.0%
Personal umbrella 15.0%
Commercial Property 20.0%
Commercial Casualty 20.0%
Commercial automobile (***) 7.5 - 12.5%
Commercial Surety 15.0 - 27.5%
Other classes of insurance 15.0 - 20.0%
*New Brunswick ranges from 9.0 - 15.0%
**New Brunswick ranges from 15.0 - 25.0%
***Saskatchewan ranges from 7.5 - 15.0%
Aviva Insurance Company of Canada may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
We take great care to ensure that our brokers who are under contract will operate to the highest professional standards. They earn their brokerage compensation as part of the insurance premium paid in the form of a commission.
Brokers have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Aviva are:
Private Passenger Automobile (*) 10.0 - 12.5%
Personal Household & Property (**) 15.0 - 25.0%
Personal umbrella 15.0%
Commercial Property 20.0%
Commercial Casualty 20.0%
Commercial automobile (***) 7.5 - 12.5%
Commercial Surety 15.0 - 27.5%
Other classes of insurance 15.0 - 20.0%
*New Brunswick ranges from 9.0 - 15.0%
**New Brunswick ranges from 15.0 - 25.0%
***Saskatchewan ranges from 7.5 - 15.0%
Aviva Insurance Company of Canada may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
As part of our contracts with brokers/agents, Aviva recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed – and are based on a share of the profitability of business submitted by the broker over an extended period – typically 3 years.
Profitability is measured by comparing premium revenue against expenses (eg claims cost, broker commission, staff salaries and premises costs etc).
Between 2004 to 2006, Aviva paid profit commissions of 3.3% of total revenues.
Other Services
Profitability is measured by comparing premium revenue against expenses (eg claims cost, broker commission, staff salaries and premises costs etc).
Between 2004 to 2006, Aviva paid profit commissions of 3.3% of total revenues.
Other Services
A small number of Aviva brokers carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.
Broker Ownership and Business Loans
Aviva, from time to time, has provided and will continue to provide financial support to a small number of brokers/agents for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers to their clients.
From time to time, as part of normal business practice, we may invite individuals from broker offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance broker.
From time to time, as part of normal business practice, we may invite individuals from broker offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance broker.
Pilot Insurance Company Broker Compensation
As an insurer, Pilot Insurance Company contracts with independent insurance brokers throughout Ontario. Brokers are independent business people who maintain relationships with several insurance companies. They have the expertise to assess your insurance needs, provide advice and recommend coverage on your behalf. We take great care in ensuring that Pilot and our brokers operate to the highest professional standards.
Commissions
Brokers are compensated in the form of a commission payment derived from a percentage of your insurance premium. Brokers are obligated to disclose their commission earnings on a client’s policy, if so requested.
The following is a breakdown of the commissions paid by Pilot to contracted brokers:
Private Passenger Automobile 7.5 - 17.5%
Personal Household & Property 15.0 - 24.0%
Personal Umbrella 20.0%
Commercial Property 20.0%
Commercial Casualty 20.0%
Commercial Automobile 4.0 - 17.5%
Pilot Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
As part of our brokerage contract, Pilot recognizes broker efforts through the potential payment of a Contingent Profit Commission. This CPC payment is entirely dependent on the overall profitability and volume of business submitted by a broker over several years, and therefore, this commission is not guaranteed to all brokers.
Between 2004 and 2006, Pilot Insurance Company paid profit commissions of 2.0 % of total revenues.
Broker Ownership and Business Loans
Pilot, from time to time, has entered into financial arrangements with a small number of our brokers for the purpose of succession continuity and business expansion. These may take the form of an equity position or loans. We expect that these arrangements in no way impact the advice given to customers however these ownership and financial arrangements should be disclosed by brokers to their clients.
If you have any queries, please email us at ehelpdesk@pilot.ca or contact your insurance broker.
The following is a breakdown of the commissions paid by Pilot to contracted brokers:
Private Passenger Automobile 7.5 - 17.5%
Personal Household & Property 15.0 - 24.0%
Personal Umbrella 20.0%
Commercial Property 20.0%
Commercial Casualty 20.0%
Commercial Automobile 4.0 - 17.5%
Pilot Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
As part of our brokerage contract, Pilot recognizes broker efforts through the potential payment of a Contingent Profit Commission. This CPC payment is entirely dependent on the overall profitability and volume of business submitted by a broker over several years, and therefore, this commission is not guaranteed to all brokers.
Between 2004 and 2006, Pilot Insurance Company paid profit commissions of 2.0 % of total revenues.
Broker Ownership and Business Loans
Pilot, from time to time, has entered into financial arrangements with a small number of our brokers for the purpose of succession continuity and business expansion. These may take the form of an equity position or loans. We expect that these arrangements in no way impact the advice given to customers however these ownership and financial arrangements should be disclosed by brokers to their clients.
If you have any queries, please email us at ehelpdesk@pilot.ca or contact your insurance broker.
Traders General Insurance Company Broker Compensation
As an insurer, Traders General Insurance Company (Aviva Traders) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Traders vary by the extent to which either the broker, or Traders undertake certain tasks at first placement and at policy renewal.
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Traders vary by the extent to which either the broker, or Traders undertake certain tasks at first placement and at policy renewal.
This explains the range of possible commissions:
Private passenger automobile 7.0 - 14.0%
Personal household & property 15.0 - 21.5%
Traders General Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Personal household & property 15.0 - 21.5%
Traders General Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
As part of our contracts with brokers/agents, Aviva Traders recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed - and are based on a share of the profitability of business submitted by the broker over an extended period - typically 3 years.
Profitability is measured by comparing premium revenue against expenses (e.g. claims cost, broker commission, staff salaries and premises costs etc.).
Between 2004 to 2006, Traders paid profit commissions of 2.2% of total revenues.
Profitability is measured by comparing premium revenue against expenses (e.g. claims cost, broker commission, staff salaries and premises costs etc.).
Between 2004 to 2006, Traders paid profit commissions of 2.2% of total revenues.
Other Services
A small number of Aviva Traders brokers and agents carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.
Broker Ownership and Business Loans
Aviva Traders, from time to time, has provided and will continue to provide financial support to a small number of brokers for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers to their clients.
From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance adviser.
Aviva Traders, from time to time, has provided and will continue to provide financial support to a small number of brokers for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers to their clients.
From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance adviser.
Elite Insurance Company Broker Compensation
As an insurer, Elite Insurance Company (Elite) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Elite are:
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Elite are:
Private passenger automobile 12.5%
Personal household & property 12.5%
Other (craft / trailers etc) 15.0 - 20.0%
Elite Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Notice: In Ontario only, effective June 1, 2010 to December 31, 2010, an additional 10% commission is currently offered on new business for the following Aviva Elite Leisure & Lifestyle Products:
Personal household & property 12.5%
Other (craft / trailers etc) 15.0 - 20.0%
Elite Insurance Company may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Notice: In Ontario only, effective June 1, 2010 to December 31, 2010, an additional 10% commission is currently offered on new business for the following Aviva Elite Leisure & Lifestyle Products:
- Motorhomes
- Park Trailers
- Holiday Trailers
Contingent Profit Commissions (CPC)
As part of our contracts with brokers/agents, Elite recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed - and are based on a share of the profitability of business submitted by the broker over an extended period - typically 3 years.
Profitability is measured by comparing premium revenue against expenses (e.g. claims cost, broker commission, staff salaries and premises costs etc.).
Between 2004 to 2006, Elite paid profit commissions of 1.4% of total revenues.
Profitability is measured by comparing premium revenue against expenses (e.g. claims cost, broker commission, staff salaries and premises costs etc.).
Between 2004 to 2006, Elite paid profit commissions of 1.4% of total revenues.
Other Services
A small number of Elite brokers and agents carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.
Broker Ownership and Business Loans
Elite, from time to time, has provided and will continue to provide financial support to a small number of brokers/agents for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers to their clients.
From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance adviser.
Scottish & York Insurance Co. Limited Broker Compensation
As an insurer, Scottish & York Insurance Co. Limited (Scottish & York) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Scottish & York vary by the extent to which either the broker / agent, or Scottish & York undertake certain tasks at first placement and at policy renewal. This explains the range of possible commissions:
New business Renewal
Private Passenger Automobile 14.0% 4.0%
Personal Household & Property 14.0% 4.0%
Commercial Property 20.0% 20.0%
Commercial Casualty 20.0% 20.0%
Scottish & York may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.
Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Scottish & York vary by the extent to which either the broker / agent, or Scottish & York undertake certain tasks at first placement and at policy renewal. This explains the range of possible commissions:
New business Renewal
Private Passenger Automobile 14.0% 4.0%
Personal Household & Property 14.0% 4.0%
Commercial Property 20.0% 20.0%
Commercial Casualty 20.0% 20.0%
Scottish & York may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.
Contingent Profit Commissions (CPC)
As part of our contracts with brokers/agents, Scottish & York recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed - and are based on a share of the profitability of business submitted by the broker over an extended period - typically 3 years.
Profitability is measured by comparing premium revenue against expenses (e.g., claims cost, broker commission, staff salaries and premises costs etc).
Between 2004 to 2006, Scottish & York paid profit commissions of 1.8% of total revenues.
Profitability is measured by comparing premium revenue against expenses (e.g., claims cost, broker commission, staff salaries and premises costs etc).
Between 2004 to 2006, Scottish & York paid profit commissions of 1.8% of total revenues.
Other Services
A small number of Scottish & York brokers carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.
Broker Ownership and Business Loans
Scottish & York, from time to time, has provided and will continue to provide financial support to a small number of brokers/agents for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers and agents to their clients.
From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
If you have any queries, please write to info@avivacanada.com or contact your insurance broker.