Broker Services & Compensation

As an independent Insurance Broker, our role is to provide the best insurance value, combining coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance, and claims support. If an issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.

Broker compensation is part of insurance premiums.  We have listed below the insurers we represent for Personal Lines Automobile and Property and Commercial Insurance. We have included the range of compensation each provides as a percentage of the overall policy premium. This commission percentage is paid annually for both new business and renewals. Should there be an increase in the commission schedule we receive from any insurer or, any other material change that affects compensation arrangements, we are committed to notifying our clients and keeping this disclosure up to date. 



Insurers recognize our efforts through a contingent commission contract. Payment of contingent commission is dependent on a combination of growth, profitability (loss ratio), volume, and retention. Contingent commission is not guaranteed. For detailed information on contingent commission, please refer to the individual company’s website.

Mitchell Sandham Pastor has an indirect financial relationship with Wawanesa Insurance.

Our disclosure statement is made in the best interests of our customers. We encourage consumers to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.

Please note: In some cases, MSP will include a Disclosed Policy Fee. In the event a fee applies, consumers will be notified prior to their acceptance of any policy.

Commission Schedule
Personal and Commercial Policies

Aviva                                                                                 10%-20%             Jevco                                                                                          5%-10%Chubb                                                                               10%-15%            Managing General Agents                                                     5%-20%Economical                                                                      10%-20%            Travelers                                                                                  10%-20%Intact                                                                                 10%-20%            Wawanesa                                                                               10%-20%