Broker affiliation and compensation.

To our customers,

Thank you for your business.

We're a privately owned insurance brokerage with no financial affiliation to any individual insurance company.

The brokerage is compensated in two ways:

For the underwriting and administration work, efforts and expenses borne by us, a base commission of 9-20% of the premium is paid by the insurance company.

A contingent commission may also be paid to if an insurance company represented by us achieves certain underwriting results.

The methodology for calculating the payment varies by insurance company but, in general, the contingent commission, if paid, ranges from 0.25% to 2.2% of the premium that Direct Rate Insurance Services Inc. produces for that insurance company.

We represent the following insurers:

Aviva Canada Inc.

CAA Insurance

Chieftain Insurance | Travelers

Economical Insurance

Elite Insurance Company | Aviva

Gore Mutual

Pafco Insurance Company

Pembridge Insurance Company

Royal & Sun Alliance Insurance Company of Canada Inc.

Travelers Canada


Zenith Insurance Company | Northbridge

Please note that your insurance company will be providing you with a Consumer Code of Rights and Responsibilities.

It will be forwarded to you with your policy.

If you have any questions regarding the above or any aspect of your insurance please contact us at:

Direct Rate Insurance Services Inc.

P.O. Box 489, Station A
Windsor, ON
N9A 6M6

[email protected]