Disclosure Statement and Principles of Conduct
Insurance brokerage services on this website are provided by Zensurance Brokers Inc., which carries on business as “Zensurance.” Zensurance Brokers Inc. is licensed or registered as a general insurance brokerage for property and casualty insurance in Ontario, Alberta, British Columbia, Saskatchewan, Manitoba, New Brunswick, Nova Scotia, Prince Edward Island, and Newfoundland and Labrador. We are not licensed in Quebec, Yukon, the Northwest Territories or Nunavut, and we do not place insurance for risks located in those jurisdictions.
Zensurance Brokers Inc. is a wholly-owned subsidiary of Zensurance Inc. and an indirect wholly-owned subsidiary of The Travelers Companies, Inc. Through that ownership, we are an affiliate of St. Paul Fire and Marine Insurance Company (Canada Branch), a Canadian licensed insurer.
Zensurance Brokers Inc. is an insurance brokerage. It is not an insurer and does not assume insurance risk. For certain specialty programs, an insurer has delegated authority to us to assess risks and issue coverage on its behalf, within limits the insurer sets. The insurer remains responsible for the coverage under your policy. We place your insurance with insurers licensed in your province. In limited cases, where coverage is not available from a licensed insurer, we may place your insurance with an unlicensed insurer as permitted by provincial law, and we will tell you when that applies.
At Zensurance, we work hard to find you the right coverage at a competitive price. Zensurance is a brokerage that believes in a simple and transparent process for our clients. Because of this, we would like to disclose how our brokerage gets compensated by you, our client.
Brokerage compensation is part of your insurance premium. For your benefit, we have listed below the insurers and managing general agents through which we place business and have included the range of commission we receive for each line of business, and the types of compensation we may receive.
We receive a commission from the insurance providers we work with. Occasionally an insurer or MGA charges a fee to issue a specific policy, and in some cases we charge a broker fee. All fees will be outlined to you before your policy is placed.
In addition to commission, in certain circumstances, we may earn additional compensation (e.g. a fixed percentage of premiums or a transaction fee) for performing services such as underwriting, data input, and administration on behalf of the insurance company. Insurance companies may also offer non-monetary benefits to our brokers, such as training, contest entries or hospitality. Our internal policy sets limits on what our brokers may accept, and our brokers are required to provide objective advice and act in your interests regardless of any such benefit or additional compensation.
Some insurers may also pay us a contingent profit commission, which is principally dependent on a combination of one or more of the following factors: growth, profitability, volume, and retention of our entire portfolio of business with that insurer (and not on individual policies). For more detailed information on such contingent profit commission, please refer to the individual insurer’s website. Such contingent profit commission is not guaranteed.
Zensurance adheres to the Principles of Conduct outlined by the Canadian Insurance Services Regulatory Organizations (CISRO).
If you have any additional questions regarding the compensation structure of Zensurance or if you would like to receive specific details about the commission structure of your policy, please don’t hesitate to contact us at 1-888-654-6030.
Our Privacy Policy explains what personal information we collect, how we use and disclose it, and how to contact our Privacy Officer.
1 Indicates Insurers with whom Zensurance Brokers Inc. has a Contingent Profit Commission agreement.
2 Exclusive products to Zensurance.
3 Carriers with whom we can write commercial auto, which varies by province. Please check with your Zensurance broker which carriers are available for your specific province.
Commission Range by Line of Business as of August 2026
- Commercial Casualty: 0 – 30%
- Commercial Property: 0 – 30%
- Automobile: 12.5%
- Personal Property: 15 – 30%
- Surety: 20 – 30%
Updated: August 31, 2026