Our Broker Compensation

Thank you for doing business with us. Being your independent insurance broker, we purchase available, affordable, and understandable insurance products and services for you, according to your requirement.

We take into consideration coverage, service, and price to get the best insurance value suited for you. We also provide quality service that is personalized for professional insurance advice, claim support and ongoing policy maintenance. If any issue arises, we can fight it for you with the help of our experience in the industry.

Your insurance premium also includes brokerage compensation. For your convenience, we have jotted down below details of the brokerage compensation for property insurers and automobile insurers that we represent. We have also included the range of compensation each of the insurers provide as a percentage of your overall premium. This percentage of the commission is paid yearly for both renewals and new businesses.

  • Echelon* 10.0% to 12.5%
  • Facility** (RSA) up to 12.5% Max **Commission is capped at $375 for many risk categories.
  • Aviva* 7.5% to 20.0%
  • Economical/Perth* 7.5% to 20.0%
  • Novex (Group division of Intact)* 7.5% to 20.0%
  • Travelers* 7.5% to 20.0%

In order to maintain strong relationships with quality insurers, we work with each of them to provide the type of business they desire. The insurers who have an asterisk mark recognize our efforts through a contract known as the contingent (profit) commission. The payment of this commission might depend on a summation of profitability (loss ratio), growth, retention, volume, and increased services that we offer on behalf of the insurer. There is no guarantee for contingent (profit) commission. For detailed information on this commission, please go to the individual website of the company.

We currently have a loan with Aviva Group of Companies that was used to expand our business.

Your insurer will give you a Code of Consumer Rights and Responsibilities, which will be given to you with your new business policy. If you have any questions regarding this or any other aspect of your insurance, please contact us.

Rock Insurance Brokers Ltd

A Division of Local Insurance Brokers Inc.

14 George St. N., Cambridge, ON N1S 2M8






Monday – Thursday: 9:00 AM – 5:00 PM
Friday: 9:00 AM – 4:30 PM
After hours by appointment.

Service Area

Kitchener Waterloo


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