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Myers Insurance Brokers
We represent several of Canada’s top insurance companies
offering a wide variety of products from personal property and
automobile, to commercial, farm, bonds, and large complex
We also offer life insurance products
including personal and group benefit plans for employers with
2 or more employees.
Service is available from both our Corunna office, and our main
headquarters in Wallaceburg.
Insurance fraud occurs all around us, and it costs each one of us on our insurance premiums. Although the majority of the fraud may take place in urban areas with staged accidents and other types of creative methods, it also occurs in our own backyards. Some people may not intentionally create a claim, but when one occurs, they tend to stretch it a bit. Claims are sometimes put in for damages that were already there when an accident should happen, or others may add some items that were broken, or they never even had when a theft occurs. People may claim for injuries that they never actually sustained, or at least not to the extent that they let on. Although they may seem innocent enough, these claims do add to the total cost, and this cost is passed on to other clients like you and me in the form of increased premiums.
Fraud can also occur by those other than an individual. Fraud also occurs by those in the business of making repairs to your home or vehicle, or by those in the medical field. No matter who is committing it or how, fraud costs all of us.
If you see insurance fraud occurring, please report it anonymously to the Insurance Bureau of Canada’s Insurance Crime Division at 1-877-IBC-TIPS (422-8477), or to your local crime stoppers organization.
Thank you for your business. As your Independent Insurance Broker, we purchase insurance products and services on your behalf that are available, affordable, and understandable.
Our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance, and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.
Brokerage compensation is part of your insurance premium. This is used to pay wages, rent, utilities, taxes, continuing education, advertising, fees, licences, insurance, and other expenses common to most businesses. For your benefit, we have listed insurers that we represent, and have included the range of compensation each provides as a percentage of your overall premium.
Aviva* ten – twelve & one half percent, Economical* ten – twelve & one half percent, Elite* twelve & one half percent, Hagerty twelve & one half percent, Intact* ten – twelve & one half percent, Jevco five – twelve & one half percent, Kent & Essex* ten – twelve & one half percent, Nordique** seven & one half – eleven percent, Perth five – twelve & one half percent. **commission cap of $185 – $370 applies. The commission percentage is paid annually for both new business and renewals.
Aviva* twenty percent, Economical* twenty percent, Elite* twenty percent, Intact* fifteen – twenty percent, Kent & Essex* fifteen – twenty percent, Perth fifteen percent, Premier Marine fifteen percent, South Western Group twelve & one half percent, Special Risk fifteen percent. The commission percentage is paid annually for both new business and renewals.
Aviva*, Economical*, Intact*, and Perth, seven and one half to twelve & one half percent, Kent & Essex* twelve and one half percent, Nordique ** six to ten percent. **commission caps of three hundred and seventy dollars apply. The commission percentage is paid annually for both new business and renewals.
Aviva* fifteen – twenty percent, Economical Mutual* ten – twenty percent, Intact * fifteen – twenty percent, Kent & Essex* twenty percent. PAL, Premier Marine, Sports & Fitness, Special Risk fifteen percent, South Western Group twelve & one half percent, Totten fifteen percent, Western General* twenty percent. The commission percentage is paid annually for both new business and renewals.
Should there be an increase in the commission schedule that we receive from your insurer, or any other material change that affects compensation arrangements, we will notify you.
In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. The insurers with an asterisk noted above recognize our efforts through a Contingent (Profit) Commission contract. Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ratio), volume, retention, and increased services that we provide on behalf of the insurer. Contingent (Profit) Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual company’s website.
At times insurers may offer sales campaigns with prizes available for individual staff performance. We do not actively take part in these campaigns. We will always match the client to the insurer who best fills their needs.
Your insurer will be providing you with a “Consumer Code of Rights and Responsibilities” pamphlet which will be forwarded to you with your new business or renewal policy. If you have any questions regarding this, or any other aspect of your insurance, please contact our office.
Myers Insurance is in business to provide you with a broad variety of insurance and ﬁnancial services. To meet your needs and serve you well, Myers Insurance needs to know about your personal information, the details of which can differ depending on the types of insurance and ﬁnancial services you require.
You, as an individual, have a right to know how your broker and insurer collect, use and disclose personal information. You have a right to expect that, to the best of our ability, your personal information held by us remains accurate, conﬁdential and secure.
Myers Insurance is proud of its reputation in maintaining the conﬁdentiality and security of personal information. We’ve provided these details to explain to you how we protect the privacy of individual client’s personal information.
The need for conﬁdentiality
As professional brokers we are committed to holding our client’s personal information in strict conﬁdence, and we shall not disclose any such information unless authorized by our clients, required by law to do so or required to do so in conducting negotiations with underwriters or insurers on behalf of the client
Except as outlined below, a record is kept each time personal information is disclosed, noting the nature of the disclosure, the date and the identity of the party to whom the disclosure was made. Individual records of disclosure are not maintained for regular or routine actions such as transfers of information to insurers, underwriters and claims adjusters.
The Brokerage’s Privacy Declaration – Putting the Client First is based on the Personal Information Protection and the Electronic Documents Act (Canada). A copy of the brokerage’s Privacy Declaration is available on request.
The need for trust
Trust comes with conﬁdence. The more you know about us, the more conﬁdent you can feel about dealing with Myers Insurance. Similarly, the more we know about you, the better we can serve you.
Myers Insurance collects and uses information about you for only the following purposes
- To understand your needs;
- To analyze the suitability of our insurance and ﬁnancial products or services for you
- To determine your eligibility for our products and services;
- To set up, manage and offer products and services that meet your needs;
- To provide you with ongoing service with accurate, current information;
- To guard against errors and fraud;
- To meet our legal and regulatory requirements; and
- To facilitate the underwriting process and insurance claims.
- Because it is important that we keep your trust, we will only ask for information which we need and when we ask you for information, we’ll let you know why we need it.
Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, or withdraw your consent to our further collection, use or disclosure of information at any time by giving us reasonable notice.
If you refuse or withdraw your consent to the collection, use or disclosure of information about you, we may not be able to provide or continue to provide you with some products, services or information of value to you.
With your consent and where the laws allow, a broker may share your personal information (other than health information) with other brokers within the brokerage so that they may directly tell you about their products and services.
The need for accuracy
While Myers Insurance tries to ensure that the information we hold about you is accurate, complete and up-to-date, it is your obligation to inform your broker promptly of a change of name, address, or any other relevant information.
If you believe that personal information in your records may be inaccurate, we make it easy for you to access, verify and update it. If information has been provided to third parties, we will convey the corrected information to them, if necessary.
If we do not agree to change your personal information, you may challenge our decision. We will make a record of this challenge and, if necessary disclose the challenge to third parties who also possess the information.
The need for access
To review the personal information, which Myers Insurance has about you, simply notify your broker. Basic personal information can be veriﬁed on the spot, at no charge. If you wish to review more extensive information, you’ll be asked to provide details regarding the nature of the information you wish to check.
The information will be obtained from our ﬁles and will normally be provided within 30 days of your request. There may be a charge for retrieving this information, in which case you will be notiﬁed in advance and you may, if you like, withdraw your request. You may also challenge the reasonableness of the charge.
Sometimes we may not provide you with information about you that is within our control. This can occur if your right of access is constrained pursuant to the provisions of the federal Personal Information Protection and Electronic Documents Act
For example, we will not provide you with personal information in our control if:
- It would reveal personal information about another party and your personal information cannot be separated;
- The information is subject to solicitor/client or litigation privilege;
- It contains the brokerage’s conﬁdential commercial or proprietary information, or if it cannot be disclosed for legal reasons; or
- The information is used for the detection and prevention of criminal activity and dealings in the proceeds of
If we deny your request for access to personal information, you will be told why, unless prohibited by law. You may challenge that decision.
Once you have the information, all you have to do is check it for accuracy and let us know if there are any corrections required. We will correct our records or make note of any differences. If information has been provided to third parties, we will convey the corrected information or the note of any differences to them, if necessary.
The need for security
Every Brokerage employee, as a condition of employment, takes responsibility for protecting client privacy, conﬁdentiality and security. This obligation remains in effect even after an employee leaves the Brokerage.
Suppliers of services to the brokerage such as software vendors are required to sign contracts obligating them to protect the privacy and conﬁdentiality of personal information provided to them to enable them to perform their functions.
Appropriate controls are in place over computer systems and data processing procedures and these controls are reviewed on an ongoing basis to ensure compliance with our security and privacy policies. We keep records of any breaches of security and will notify you and the Privacy Commissioner of Canada if there is ever potential for any signiﬁcant harm to you.
The brokerage destroys or erases any personal information when it is no longer needed. When information is destroyed or erased, the brokerage takes care that there is no unauthorized access
In short, our people are committed, and our systems are designed, to protect your privacy and conﬁdentiality.
Questions or Concerns
Questions or concerns about personal information held by the brokerage, or brokers’ compliance with the Brokerage Privacy Code, can be answered readily by the brokerage privacy ofﬁcer who can be reached at (519) 627-6066. However, should the privacy ofﬁcer be unable to resolve your concerns you may contact the:
Ofﬁce of the Privacy Commissioner of Canada 30 Victoria Street
Gatineau, Québec K1A 1H3
Tel: (819) 994-5444, Toll-free: 1-800-282-1376