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Our role, as Insurance Brokers, is to provide you with the best insurance value that combines coverage, service and price.  We provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support.  When an issue arises regarding your insurance coverage, we are your advocates, using our professional experience to best represent your individual interest

We are compensated by the insurance companies as part of your insurance premium.  For your benefit, we have listed below the insurance companies that we represent and have included the range of compensation each provides as a percentage of your overall premium.

Wawanesa Mutual Insurance Company* Automobile
Western Assurance Company* Automobile
Portage Mutual Insurance Company* Automobile
North Waterloo Farmers Mutual             Auto
Encon Insurance Managers Commercial 15%
Echelon General Insurance Company Automobile 13%
Cowan Insurance Brokers Ltd. Property 15%
Oceanic Underwriters Ltd. Property 10-15%
Premier Marine Property / Marine 15%
South Western Group Property 12.5%-15%
A.M. Fredericks Underwriting Property 10-15% 
Nordic General Insurance Company (Facility)** Automobile 7.5% - 11%  **(capped at $310.00)


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

Some companies provide an opportunity for eligible brokers to build up a retirement pension over time.  Their contribution would be less than 1% of total premiums.

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 effort through a Contingent Commission Contract.  Payment of this Contingent Commission may depend on a combination of growth, profitability (loss ratio), volume, retention, and increased services that we provide on behalf of the Insurer over a period of years.  Contingent Commission is NOT guaranteed.  For further information on Contingent Commission, please see the individual company’s website.

John Stark & Company Limited does not have any other financial links with any insurance companies such as direct or indirect ownership interest, loans, credit facilities

Your Insurer will be providing you with a Consumer Code of Rights and Responsibilities, which will be forwarded to you with your policy.  If you have any questions regarding this or any other aspect of your insurance, please contact us.

John Stark & Company Limited