Canada’s national privacy legislation, the Personal Information Protection and Electronic Documents Act, applies to all insurance brokerages collecting, using or disclosing Personal Information.

At Ambroziak & Rao Insurance Brokers we pledge to protect your privacy and safeguard your personal information.
You have access to our detailed privacy policy on our web site


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Ambroziak & Rao Insurance Brokers recognizes the value of capital growth and business expansion in a very competitive industry. In order to finance new initiatives and start new programs, our company and its shareholders may borrow money from Canadian Banks, Trust and/or Insurance Companies which support these positive operations. Some PROLINK Broker Network affiliates have arranged periodic loans organized with The Dominion of Canada. The financial requirements of repayment of such loans do not require, and will not influence the placement of business with an insurer.

Broker Compensation by Insurance Companies
Insurers are extremely selective as to whom they choose to establish a broker contract. They seek relationships with professional brokers capable of understanding the complex areas of risk management, policy wordings and limitations. Both insurers and clients place a tremendous amount of responsibility on brokers to arrange appropriate protection.

Accordingly, insurers compensate brokers for their role in:

A. Attracting the class of risk which the insurer is interested in writing.
B. Providing complete detail as determined by the insurer.
C. Prescribing the type of protection which meets both the needs of the client \and the interest of the insurer.
D. Maintaining all service issues and communication.
E. Remitting the required premium after deducting a fixed tariff, commission, or fee, as prescribed by the contract from the insurer.

The basic compensation for providing these services range as follows:

A. Personal automobile insurance contracts range from 5% to 15% of premium, or a flat fee of $250 regardless of the amount of the premium.
B. Liability and property insurance contracts range from 7% to 25%.
C. Occasionally a flat fee is charged as identified in an invoice.
D. Risk Management and Consulting Services: $150 to $250 per hour.

Contingent profit commissions are additional compensatory income available to the broker if the portfolio of business written with any individual insurer is “profitable” to the insurer. This is a standard tool used by insurers to help encourage brokers to select above average clients.

Insurers occasionally offer small gifts and gratuities to Insurance Brokers as an incentive for placing business with them. In spite of this practice, we wish to maintain good relationships with all of our Insurers. Therefore, these gratuities in no way influence the volume of business we place with an insurer. Unequivocally the needs of our clients govern our risk placement decisions.
Program Business is often written with unique coverage and at rates which are typically well below retail rates. The commissions we receive as brokers are generally industry standard although in group insurance we typically receive 20% less than the standard commission. Notwithstanding, we have some group program arrangements whereby we may reallocate a portion of our commissions which we receive to a group sponsor in lieu of promotion and administration costs which the sponsor may incur on our behalf. Such allocations can range between 2.5% and 5% of our commissions.

If you are no longer a member in good standing with your sponsor you will no longer be eligible for the group discounts associated with the program; however your broker will gladly review and remarket your business. At Ambroziak & Rao Insurance Brokers, we may receive approximately 1% of the premium

At Ambroziak & Rao Insurance Brokers, we may receive approximately 1% of the premium as a “contingent profit” from the insurer depending on the profitability experienced by the following insurers:

  • – AVIVA Canada
  • – Berkley
  • – Chubb
  • – Dominion of Canada
  • – Echelon
  • – Economical Mutual
  • – INTACT Insurance
  • – Lombard Canada
  • – Royal and Sun Alliance
  • – St. Paul Travelers
  • – Trisura
  • – ZURICH Canada

If you have any questions regarding this or any other matter pertaining to our business, please contact our Privacy Officer, Harisha Rao at 905-276-9597 or email us at