La Turquoise, Insurance Broker

Broker Compensation Disclosure Statement

To our clients,
Thank you for choosing La Turquoise for your insurance needs. We appreciate the trust you have placed in
us and are pleased to support you in finding protection that is suited to your situation.
 

Our Role as an Insurance Broker
As an independent insurance brokerage, our role is to work with you to identify insurance solutions that
meet your needs. With access to a wide range of products oƯered by various insurers, we are able to
present you with options that may suit your preferences in terms of coverage, pricing, and service.
In addition to placing your coverage with an insurer, we strive to assist you by:

  • providing insurance-related advice based on your situation;
  • facilitating communication with the insurer;
  • supporting you, when possible, during the claims process;
  • reviewing your coverage in case of changes or at renewa.

While we make every eƯort to provide sound guidance, we encourage you to carefully review your
insurance policies to ensure they align with your needs and preferences.
 

Our Compensation 

Our compensation comes from two main sources:

1. Commissions from Insurance Companies

We receive commissions from the insurers with whom we place or renew insurance policies. These
commissions are typically calculated as a percentage of the premium and may vary depending on the
insurer and type of product.

2. Broker Fees (if applicable)

In certain cases, we may charge a broker fee in addition to the commission. When such fees apply, they
will be clearly communicated to you before the policy is issued.
 

Below is a list of insurers we work with, including the commission percentages by type of policy:

 Insurance Company

 Automobile

 Property, Liability &
 Miscellaneous

 April Canada Inc.

7.5-12.5%

7.5-17.5%

 ARAG Solutions juridiques

N/A

20%

 Aviva, Compagnie d'Assurance du Canada*

7,5-12,5%

12,5-20%

 Axa Art Insurance Corporation

N/A

20%

 Beazley

N/A

15%

 BI&I

N/A

15-20%

 Boxx Insurance Inc.

N/A

15%

 Burns & Wilcox Canada

N/A

10-16%

 Canada Brokerlink (Ontario) Inc.

N/A

12,5%

 Ches Solutions Spécialisées

N/A

10-15%

 Chubb

N/A

12.5-15%

 Coalition Solutions d'Assurances Canada

N/A

15%

 Coast Underwriters Limited

N/A

15%

 Compagnie d'assurance Definity*

12,5%

15-20%

 Eagle Underwriting Group inc.

N/A

15%

 Echelon*

12,5%

12.5-20%

 Economical (Ontario) *

12,5%

15-20%

 Estrie Richelieu*

12,5%

15-20%

 FBA Protection Juridique

N/A

15-20%

 Global Aerospace

N/A

10%

 Intact Assurance*

7,5-15%

15-25%

 Juste Underwriting

N/A

10-20%

 K&K Insurance Canada

N/A

10%

 La Souveraine Cie d'Assurance Générale*

N/A

15-20%

 Liberty Mutual Canada

N/A

15-20%

 L'Unique Assurances Générales*

12,5%

20,0%

 Markel Canada Limited

N/A

15-25%

 MedThree Insurance Group inc.

N/A

15%

 Morin Elliot Associés Ltée

N/A

12,5%

 Northbridge Assurance*

12,5%

20%

 Novapro Assurance Inc.

N/A

15%

 Ogilvy Assurance

N/A

0%

 Optimum Assurance générale*

N/A

12,5-20%

 Pal Insurance Brokers Canada Ltd

N/A

0%

 Premier Canada Assurance Managers Ltd

N/A

15%

 Profescau

N/A

12,5-15%

 REVAU (REVolution Advanced Underwriting)

12,5%

12,5-20%

 Signature Risk Partners Inc.

N/A

15%

 Soplex Solutions d'assurances

N/A

15%

South Western Insurance Group Ltd

15%

15%

 Sports Fitness Insurance Canada

N/A

15%

 Sum Gestionnaires d'Assurances

N/A

15%

 SWG Speciality

N/A

15%

 Tecassur

N/A

10-12,5%

 Tokio Maritime & Nichido Incendie cie d'assces Ltee

N/A

20%

 Totten Insurance Group

N/A

10-15%

 Travelers Cie d'Assurance du Canada*

N/A

15-20%

 Trisura

N/A

17,5-20%

 TSW Management Services inc.

N/A

10-15%

 Victor

N/A

10-20%

 Wawanesa Assurance*

12,5%

20%

 Wynward Insurance Group

N/A

15-20% 


Some insurance companies, identified with an asterisk in our list of partners, may pay us a Contingent
Profit Commission. This commission is based on the overall performance of the portfolio we maintain
with the insurer, according to criteria such as profitability, growth, or retention. These commissions are
neither guaranteed nor predictable, and are not tied to any individual policy.
 

Use of Partner Brokers 

In certain situations, we may place your coverage through another broker, in order to access insurers or
products that we do not represent directly. Upon request, we can provide details about the compensation
we receive in such cases.
 

Disclosure and Conflicts of Interest

Our firm has financial ties with Intact Insurance an insurer with whom we primarily do business. There are
no volume obligations or incentive arrangements that would compromise our ability to oƯer objective
options. Any significant changes to our business relationships or compensation structure will result in an
update to this document.
 

Privacy Commitment 

We understand the importance of protecting your personal information. All information collected as part
of our services is handled in accordance with applicable privacy legislation. We limit the collection and
disclosure of your data to what is strictly necessary in order to serve you eƯiciently.
 

Contact Us

If you have any questions about this disclosure or your insurance coverage, feel free to contact us:

La Turquoise, Insurance Broker 
Head Office: 104, rue Dubois, Saint-Eustache (QC) J7P 4W9
Phone : 1-833-231-3757 
Website: https://www.laturquoise.ca/