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Customer Care

Download a copy of the Code of Consumer Rights and Responsibilities (PDF).

Pembridge Insurance Company distributes insurance products and services through specially selected and licensed insurance brokers. These brokers are under contract with Pembridge and are required to provide professional advice and service to their customers in addition to facilitating the purchase of appropriate coverage to meet their clients' insurance needs.

In return for this service, contracted brokers are compensated on a commission basis. Brokers are required to disclose to their customer their commission earnings on any given policy if and when requested.

The commissions paid by Pembridge Insurance Company to brokers are as follows:

  • Auto Insurance: 10% - 12.5% of the premiums under the policy
  • Personal Property Insurance: 20% of the premiums under the policy
     

Pembridge offers brokers additional, annual contingent commission based on continuous profit and growth. Last year Pembridge paid out less than 2% of our earned premiums in contingent profit.

All brokers contracted to distribute Pembridge insurance products and services are expected to select products and services that reflect the best interests of their customers. Pembridge Insurance Company is proud of our commitment to underwrite home and automobile insurance through independent brokers in Canada.

Pembridge has no direct or indirect ownership interest in any insurance brokerage. Pembridge, in very select circumstances, will provide financial support to a brokerage in the form of a loan at market rates to support expansion of the business and to help preserve broker independence. In addition, the contract does not contain any form of business volume commitment that directly benefits Pembridge Insurance Company.