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Terms and Conditions

Read this notice before using this website.

By accessing and browsing this website, you accept -- without limitation or qualification -- these terms and conditions.

In these terms and conditions, any reference to "we", "us", or "our" refers to PC Financial Insurance Broker Inc.

All coverage is subject to the terms and conditions, limitations and exclusions of your policy or certificate of insurance.

Code of Conduct

As your independent and trusted insurance brokerage, we abide by regulatory responsibilities established by applicable federal, provincial and territorial governmental authorities and comply with industry best practices set by professional associations.

The Canadian Insurance Services Regulatory Organizations (CISRO) has published the Principles of Conduct for Insurance Intermediaries to help ensure the fair treatment of customers in the life & health and property & casualty insurance sectors. Click this link to review the Principles of Conduct document. Alternatively, you can access it by visiting the CISRO’s website.

As a customer, you have the right to professional advice from a broker who is well informed about the products they are selling.

You have the right to be treated with fairness and integrity.

Click this link to review what you should expect when dealing with a licensed insurance broker in the province of Ontario. Alternatively, you can access it by visiting the RIBO’s website.

What We Earn

PC Financial Insurance Broker Inc.

Broker compensation is part of your insurance premium; hence you are not charged for anything for the insurance services you receive from us.

For auto and home insurance, we earn a percentage of the premium when a new policy is sold or an existing policy is renewed. This commission percentage is paid annually for both new business and renewals. Based on the financial performance of the policies that we have sold, we also earn additional compensation, which is not guaranteed (collectively called “Contingency Income”). That Contingency Income is determined based on the profit (if any) which is generated over time by all of the auto and home insurance policies we have placed with a particular insurance company. In other instances, we may earn additional commissions calculated on the overall business we hold with an insurance company or we may have some of our operating and marketing expenses reimbursed by those insurers (“Supplemental Income”).

Below, we have listed the insurance companies with whom we have contracts and we show the range of commission percentage that is paid to us, each policy term, for both new policies and renewals.

Insurance Company


Contingency Income
(Yes “Y”/No “N”)

Supplemental Income
(Yes “Y”/No “N”)

Aviva Insurance Company

7.0% - 20.0%


The Dominion of Canada General Insurance Company (Travelers)

10.0% - 20.0%


Economical Insurance Company

10.0% - 20.0%


Intact Insurance Company

10.0% - 20.0%



PAFCO Insurance Company

10.0% - 20.0%



Pembridge Insurance Company*

10.0% - 20.0%



The Wawanesa Mutual Insurance Company

12.5% - 20.0%


There is no direct or indirect ownership interest of any insurance company in PC Financial Insurance Broker Inc., nor any loan to, or financial guarantee in favour of, PC Financial Insurance Broker Inc. from any insurance company. PC Financial Insurance Broker Inc. is an affiliate of President’s Choice Bank, both of which are affiliated companies of Loblaws Inc.

Our Insurance Providers

PC® Insurance is proud to work with the following insurance companies in order to provide you with competitive rates and coverage options.

Parent Company

Insurance Company


Aviva Insurance Company

Elite Insurance Company

Scottish & York Insurance Company

Traders General Insurance Company

Travelers Canada

Chieftain Insurance Company

The Dominion of Canada General Insurance Company


Economical Insurance Company


Intact Insurance Company


PAFCO Insurance Company


Pembridge Insurance Company


The Wawanesa Mutual Insurance Company

About Aviva Insurance Company

Aviva Insurance Company of Canada provides a broad range of personal and business insurance products and services to policyholders through a network of independent insurance brokers

About Chieftain Insurance Company

Founded in 1999 by The Dominion of Canada General Insurance Company, Chieftain Insurance offers Ontario residents’ home, condo, auto and tenant insurance

About Economical Insurance Company

Headquartered in Waterloo, Ontario, Economical is one of Canada’s leading property and casualty (P&C) insurance companies and proudly serves Canadians across the country.

About Elite Insurance Company

Elite Insurance is Canada’s largest insurer of leisure lifestyle products and services, offering coverage for specialty personal insurance products.

About Intact Insurance Company

Intact is Canada’s largest home and auto insurance company.

About PAFCO Insurance Company

Pafco provides personal automobile insurance for drivers who do not qualify for coverage in the standard insurance marketplace.

About Pembridge Insurance Company

Backed by Allstate Insurance Company of Canada, Pembridge offers home and auto insurance to Canadians.

About Scottish & York Insurance Company

Scottish & York Insurance Co. Limited provides traditional home and auto coverage, with a focus on providing competitively-priced products.

About the Dominion of Canada General Insurance Company

Operating since 1887, The Dominion is one of Canada’s largest property and casualty insurers.

About the Wawanesa Mutual Insurance Company

As a mutual company owned by its policyholders, Wawanesa Insurance is one the largest property and casualty insurers in Canada.

About Traders General Insurance Company

One of Canada’s leading group insurers, Traders General Insurance Company, provides home and auto insurance to large and mid-sized groups nationwide.

Get a free home or auto insurance quote with us today to see which company best fits your insurance needs.

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PC® Home and Auto Insurance Claims Service Satisfaction Guarantee

If you are dissatisfied with the service you receive from the insurer during the settlement of a covered claim and we are unable to help remedy the situation, you will be eligible to receive a President's Choice® gift card (minimum value $25), in addition to the settlement amount from your insurer.

The Claims Service Guarantee applies to your satisfaction with the service you receive, not the insurer's decision on coverage or evaluation.

This guarantee is not applicable in the case of disasters or catastrophes, such as ice storms, hailstorms, hurricanes, tornados, blackouts, forest fires, or any event beyond our control, including unusual market conditions that would impact the ability to service your claim.

This guarantee may be amended or terminated at any time and does not extend to warranty coverage.

Gift cards will not be issued under the following circumstances:

  • There is a disagreement on coverage

  • There is a disagreement on a settlement amount

  • The claim has been denied due to a policy exclusion or violation of a statutory condition

  • The service failure has been made or caused by the policyholder

  • There is a disagreement with respect to a fault determination

Policyholders must make claims under the Claims Service Satisfaction Guarantee in writing to:

Vice President
Claims Customer Experience
3600 Rhodes Drive
Windsor, Ontario N8W 5A7.