Thank you for your business. As your independent insurance broker, we purchase insurance products and services on your behalf. 

Our role is to provide you with the best insurance value that combines coverage, service and price. We also provide personalized, quality service that 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. 

This commission percentage is paid annually for both new business and renewals. Our disclosure commitments are made in the best interest of clients. 

TSW Management Services Inc. (“TSW”) will not allow any insurance company to create a conflict of interest that would influence our mandate to act exclusively on your behalf. We are pleased to confirm the following: 

1. We will always disclose to you the lowest quotation we obtain, even if it is not necessarily our recommended choice. 
2. We will also disclose if the options represent materially different broker compensations. 
3. TSW is not directly or indirectly owned by an insurance company – not even a minority interest. We are independently owned and operated by Canadians with offices across Canada serving in the best interests of our clients. Also, we have not accepted any loan or loan guarantee from an insurance company. 

In addition to the companies listed below, TSW is able to access other insurers, on your behalf. Generally, this is done through intermediaries with whom we have developed a relationship. This enables us to reach virtually all insurers capable of underwriting your insurance needs. TSW may receive compensation additional to the standard commissions from such intermediaries. 

 TSW signs supply agreements with insurers. Some of these agreements include Contingent (Profit) Commission and/or Supplemental Commission clauses. The insurers listed with an asterisk (*) include the Contingent Commission and/or Supplemental Commission clause in their supply agreements. Payment of this Contingent Commission and/or Supplemental Commission may depend on a combination of growth, profitability (loss ratio), volume, retention, and increased services that we provide on behalf of the Insurer. It is based on our entire portfolio of business with that insurer and not on individual policies. Contingent Commission is not guaranteed. The majority of insurers provide information on their compensation arrangements on their website, or you may contact us for more information. 

In order to manage payments with improved flexibility and efficiency while providing solutions for our clients, TSW offers various premium payment options, including through premium financing companies, from whom we may earn referral fees. 

We appreciate that you have entrusted TSW with your insurance brokerage needs.