As your independent insurance broker, our role is to provide you with the best insurance value combining coverage, service and price.

Our personal service includes professional insurance advice, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocates using our professional experience and qualifications to effectively represent your individual interest.

Brokerage compensation is part of your insurance premium. For your information, we have listed below the insurers we represent and the range of compensation each provides as a percentage of your overall premium:

Personal Automobile Insurers

• *Aviva: 12.5%

• *INTACT: 12.5%

• *Aviva Traders (group): 8% to 11.5%

• Jevco: 5%-15%

• Intact Group: 10%

• Hagerty: 12.5%

• Chubb: 10% -15%

Commercial Automobile Insurers

• *Aviva: 12.5%

• *INTACT: 12.5%

Personal Property Insurers

• *Aviva: 20%

• *Intact: 20%

• *Aviva Traders (group): 16% to 16.5%

• Chubb: 15% to 20%

• Aviva Elite: 20%

• Premier : 15%

• *Novex: 15%

Commercial Property Insurers (including intermediaries)

• *Aviva: 15% to 20%

• *INTACT: 15% to 20%

• Encon: 10% to 15%

• Totten Group: 10%

• Beazley: 15%

• South Western Group: 12%-15%

• Premier Canada: 15%

• GFH Underwriters: 15%

• Special Risk: 10%

• Cansure: 15%

• Chubb: 10% to 20%

• April: 15%

• Forward Insurance Managers: 15%

The commission percentage is paid annually for both renewals and new business.

When we compare premiums for the purposes of offering a specific quote, the comparison is made on the basis of gross premium cost to the client.

We contract with those insurers whom we believe offer a range of products and services appropriate to the needs of our clients and who deliver those products effectively and efficiently.

In order to maintain strong relationships with quality insurers, we work with each to provide the type of business that fits their capabilities. The insurers noted above with an asterisk (*) recognize our efforts through contingent profit-sharing plans. Payments to us from such plans depend on some combination of growth, profitability, volume and retention in a given year or years. Profit-sharing is not guaranteed. Information on this subject particular to each insurer is available on the individual company websites (access by going to the Links section of this website).

Mills Insurance Brokers Limited currently has a loan from Aviva Insurance Company of Canada that was used to support the succession planning of the brokerage and expand our business. 

We are owned by this brokerage’s principal.

Learn more about your rights as an insurance consumer and understand the role of an insurance broker.