Thank you for your business. As your independent insurance broker our role is to provide you with  the best insurance value – combining coverage, service, and price. We provide personalized, quality service which includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.


Brokerage compensation is part of your insurance premium.   For your benefit, below we have listed contracted Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium. Additionally, we do business with non-contracted Insurers with similar commission structures.


AIG 10% to 20% Northbridge 10% to 20%
Aviva* 10% to 20% Premier 10% to 20%
Chieftain* 10% to 12.5% South Western 10% to 20%
CNA 10% to 20% Travelers* 10% to 20%
Economical* 10% to 20% Victor 10% to 20%
Intact* 10% to 20% Wawanesa* 10% to 20%
Facility 7.5 to 11%
Depending on risk,
may be capped at
$185 or $370.


Commission is paid annually for both new business and renewals. Should there be an increase in the commission schedule we received from your insurer, or any other material change that affects compensation agreements. we will notify you. Economical Insurance has provided financing to support brokerage acquisitions and our general business strategies.


In order to maintain strong relationships with quality insurers, we work with each to provide desirable business. All these contracted Insurers, except for the Facility Association recognize our efforts through a contingent (Profit) agreement. Payment under this contract may depend on a combination of growth, profitability (loss ratio), volume, retention, and increased services we provide on behalf of the Insurer. Contingent (Profit) is not guaranteed. For detailed information on the above, please go the individual insurer’s website.


Your Insurer will be providing you with a Consumer Code of Rights and Responsibilities which will be forwarded to you with your new business policy.


Our team of experienced professionals have the expertise and resources to handle all your insurance needs. If you have any questions regarding this or any aspect of your insurance, please contact us.


We thank you for your business and appreciate the trust you have in us.

Smith Petrie Carr & Scott Insurance Brokers Ltd

Rogers Insurance and CapriCMW Merge to Become Acera Insurance.

Smith Petrie Carr & Scott, as part of the Rogers Insurance Group, is now Acera Insurance.

As one unified company, we are now one of Canada's largest independent and employee-controlled brokerages.