Broker Compensation


HTM Insurance has contracts with independent insurance Brokers throughout Central Ontario. HTM also distributes its products through two agents.

Brokers are independent business practitioners who maintain contractual relationships with several insurance companies. They have the expertise to assess your insurance needs, provide advice and recommend coverage on your behalf.

We take great care in ensuring that HTM Insurance and our Brokers/Agents operate to the highest professional standards. The Registered Insurance Brokers of Ontario (RIBO) is the self-regulatory body for insurance brokers in Ontario. Established in October 1981, RIBO regulates the licensing, professional competence, ethical conduct, and insurance related financial obligations of all independent general insurance brokers in the province. For more information please go to

The Financial Services Commission of Ontario (FSCO) oversees agents in this province and they can be contacted at


Brokers/Agents are compensated in the form of a commission payment calculated as a percentage of your insurance premium. Brokers/Agents are obligated to disclose their commission earnings on a client’s policy, if so requested.

The following is a breakdown of the commissions paid by HTM Insurance to contracted Brokers/Agents:

Private Passenger Automobile 12.5%
Commercial Automobile 12.5%
Residential and Personal Property 20.0%
Commercial Property 20.0%
Farm Property 20.0%

Contingent Profit Commission

As part of our brokerage contract, HTM Insurance recognizes Broker profitability through a Contingent Profit Commission (CPC) program. Receipt of a CPC payment is entirely dependent on the overall profitability of the business submitted by a Broker. Therefore, this commission is not guaranteed to any Broker/Agent. Our CPC program has no aspect geared to business growth rates and is simply based on the profitability of the broker’s business with us.

CPC payments typically amount to a maximum of 2% of our total Written Premium


HTM Insurance Company has no equity position in any brokerage business and has no outstanding loans to any of our brokers or agents. We will from time to time participate in joint advertising initiatives with our broker/agent partners.

If you have any queries please contact us.