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% Aviva* 12.5% to 20%
Burns & Wilcox 7% to 20% Cansure Underwriting 7% to 20%
C N A* 15% Chieftain 10% to 12.5%
CFC 22.5% Chubb* 10% to 20%
Economical / Definity* 10% to 20% Gore Mutual 10% to 20%
Intact* 10% to 20% Northbridge* 10% to 20%
Peel Mutual* 10% to 20% Pembridge/Pafco* 12.5% to 20%
South Western 10% to 20% SGI Canada* 10% to 20%
Premier 10% to 20% Special Risk Insurance Managers 15% to 20%
Travelers* 10% to 20% Trisura 15% to 20%
Victor* 15% Wawanesa* 10% to 20%
Facility 7.5 to 11%
Depending on risk,
may be capped at
$185 or $370.


We may, on occasion, negotiate a fee for the placement of complex programs and additional service or products. These fees are disclosed up front and agreed upon in advance of coverage placement. 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 the compensation agreement, we will notify you.

In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. The insurers with an asterisk* noted above recognize our efforts through a Contingent (Profit) Commission contract.

Payment of this Contingent (Profit) Commission 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 Contingent Commission, 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.

Smith Petrie Carr & Scott Insurance Brokers Ltd. is a wholly owned subsidiary of Acera Insurance Services Ltd.

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