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.Broker Compensation
| Insurer | Compensation |
|---|---|
| Apollo | 0 – 20% |
| April / April Marine Canada | 0 – 20% |
| Arthur J. Gallagher Co. | 0 – 13% |
| Aviva Canada ** | 0 – 20% |
| Aviva Elite/Hagerty | 0 – 20% |
| Beazley Canada | 0 – 20% |
| Burns and Wilcox Canada | 0 – 15% |
| Can-Sure | 0 -15% |
| The Commonwell** | 0 -20% |
| Ecclesiastical Insurance** | 0 – 20% |
| Echelon Insurance | 0 – 12.5% |
| Economical Insurance ** | 0 – 20% |
| Forward Insurance | 0 – 20% |
| Gore Mutual ** | 0 – 20% |
| Grenville Mutual ** | 0 – 20% |
| Group Assur | 0 – 15% |
| Heartland Farm Mutual ** | 0 – 25% |
| HSB BI&I Canada | 0 – 20% |
| Intact Insurance ** | 0 – 20% |
| K & K Insurance Canada | 0 – 20% |
| Markel Canada | 0 – 20% |
| Nordic (Personal Facility) | 7.5 – 11% capped at $185 to $370 |
| Nordic(Commercial Facility) | 6% – 10% capped at $370 cap to no cap |
| PAL Insurance Brokers | Fee |
| Portage Mutual ** | 0 – 20% |
| Premier Group of Companies | 0 – 15% |
| Southwestern Insurance Group | 0 – 15% |
| SRIM | 0-15% |
| TCIM | 0-15% |
| Totten Group Insurance | 0 – 15% |
| Travelers Canada ** | 0 – 20% |
| Trinity Underwriting | 0 – 20% |
| USLI | 0 – 17.5% |
| Victor Canada. | 0 – 20% |
| Western General | 0 – 20% |
| Wynward Insurance | 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.
