About Us

Insurance Programs Beyond the Status Quo

A family business now in its third generation, Oegema Nicholson is one of the largest independent brokerages in Eastern Ontario and Western Quebec. A full service and specialty line insurance brokerage, our Personal, Commercial and Life and Living Benefits Departments are comprised of highly trained and dedicated professionals that are well established in the regional marketplace.

On a Foundation of Impenetrable Relationships

Our longevity and professional experience has enabled our staff to forge reputable, solid, and enduring relationships with the companies we represent, giving us an added advantage when negotiating your residential and recreational property, auto, farm, business, construction, manufacturing, or life and living benefit services.

Grounded by Client-Centric Flexibility

Oegema, Nicholson & Associates has the expertise to design a group coverage plan specific to your organization or association, allowing employees and individual members the ability to design unique group programs. In addition, we have the knowledge to develop specialty personal and commercial programs for businesses and members of an association.

And Underscored Objectivity and Transparency

Moreover, our agenda is unassailably unbiased and transparent. It is for this reason the solutions we provide fit and work for our clients. Coupled with competitiveness, personable attention, and responsiveness service at every level makes Oegema Nicholson the right company to build the best solution for you in the face of any insurance or financial need.

Broker Compensation Disclosure

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. If 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. Oegema, Nicholson & Associates Insurance Brokers Ltd. is paid a commission or fee for our services to you. Fees may be paid to Oegema, Nicholson & Associates Insurance Brokers Ltd. by clients, in lieu of commission. Listed below are the names of the insurance companies we represent and the range of compensation each provides as a percentage of your overall premium.
AM Fredericks0 – 15%
April / April Marine Canada0 – 20%
Arthur J. Gallagher Co.0 – 15%
Aviva Canada **0 – 20%
Aviva Elite/Hagerty0 – 20%
Beazley Canada0 – 20%
Burns and Wilcox Canada0 – 15%
Cowan Insurance0 – 20%
Ecclesiastical Insurance0 – 20%
Economical Insurance **0 – 20%
Gore Mutual **0 – 20%
Group Assur0 – 15%
Heartland Farm Mutual **0 – 20%
HSB BI&I Canada0 – 20%
Intact Insurance **0 – 20%
K & K Insurance Canada0 – 20%
Markel Canada0 – 20%
PAL Insurance BrokersFee
Premier Group of Companies0 – 15%
RSA (Commercial Facility)6% – 10% capped at $370 cap to no cap
RSA (Personal Facility)7.5 – 11% capped at $185 to $370
Southwestern Insurance Group0 – 15%
Totten Group Insurance0 – 15%
Travelers Canada **0 – 20%
Trinity Underwriting0 – 20%
Victor Canada.0 – 20%
Western General0 – 20%
Grenville Mutual **0 – 20%

This commission percentage is paid annually for both new business and renewals.

Should there be a change in the commission schedule we receive from your insurer, or any other material change that affects compensation arrangements, we will update this disclosure accordingly. For us to maintain strong relationships with insurance companies, we work with each to provide the type of business they desire. The Insurance companies with an asterisk (**) noted above recognize our efforts through a Contingent (Profit) Commission (CPC) contract. Payment of the CPC may depend on a combination of growth, profitability / (loss ratio), volume, retention, and increased services that we provide on behalf of the Insurance Company. CPC is not guaranteed, and it is based on the average results over a three-year period and is not related to any one customer or group of customers. Thank you for Choosing Oegema, Nicholson & Associates Insurance Brokers Ltd.
"Just wanted to leave a message for your website that praises Nik Dore for being a constant example of always providing invaluable customer service. I never worry that my questions and concerns will be dismissed or that I am receiving less than constructive advice. Many thanks to him."
"I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs."
O-Omkar Atwal, Owner, Leitrim Home Hardware
"It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of."
R-Rhonda, Capital Dodge
"I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can't begin to thank her enough."
"ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!"
J-James Carriveau, President, Exact Interlock and Exact Properties
"One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions."
J-Jennifer Parks, Stittsville, Ontario
"I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well."
C-Charlene Brunet, President, Dan Murphy Ford
Oegema, Nicholson Financial Inc.
1451 Woodroffe Avenue
Ottawa, Ontario K2G 1W1
5526 Manotick Main Street P.O. Box 149
Ottawa, Ontario K2G 1W1
154 Bridge Street P.O. Box 749
Almonte, Ontario K0A 1A0
243 Castor Street
Russell, Ontario K4R 1B8
3-3809 St. Joseph Blvd.
Orleans, Ontario K4A 0Z8
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