KAWARTHA QUOTES IS A DIVISION OF SENTINEL RISK GROUP INSURANCE.
One of our Brokers has been personally assigned to provide a quote and will be contacting you shortly.
If you need immediate assistance, please email us at info@kawarthaquotes.ca or call us 1-888-231-2011.
Important Information for Our Clients
At Sentinel Risk, we are committed to transparency and ensuring you have all the details you need about the insurance products and services we offer. As a licensed insurance broker under RIBO, we have a duty to make sure you’re fully aware of the following important information:
Our Role as Your Broker
As your RIBO-licensed broker, we work on your behalf to help you find the best insurance solutions from a variety of markets. We partner with a range of trusted insurers, and it’s important to know which companies we represent and how we’re compensated for placing your business with them.
Commissions We Receive
We earn commissions for placing your insurance with different companies. Here’s a breakdown of the commissions we receive:
Automobile and Property insurers that we represent on a contractual basis showing the range of compensation each provides as a percentage of your overall premium.
| Company | Automobile | Property |
| Aviva Insurance* | 12.5%-13.5% | 20%-22% |
| CAA Insurance Company*~ | 12.5% | 20% |
| Economical Mutual Insurance* | 7.5%-12.5% | 20% |
| Gore Mutual*^^ | 10%-12% | 20% |
| Heartland* | 12.5% | 20% |
| HTM Insurance* | 12.5% | 20% |
| INTACT* | 10%-12.5% | 20% |
| Northbridge Insurance* | 10% – 12.5% | 20% |
| Royal Insurance- Facility** | 7.5% to 11% | N/A |
| The Commonwell*^^ | 12.5% | 20% |
| Travelers Canada* | 12.5% | 20% |
| Wawanesa Insurance* | 7.5%-12.5% | 20% |
| Miscellaneous Companies | 5%-12.5% | 10%-20% |
* Indicates an Insuring Company where a Contingent (Profit) Commission contract is in place.
** Total commission is capped at $250.00 per policy.
^^ We currently have an indirect loan relationship with this company.
~ We receive commissions for CAA Memberships sold through our office $15-$20 per membership.
These commissions help us provide you with the support, advice, and service you expect from us.
Your Duty of Care
To help you make informed decisions, we encourage you to review the CISRO Principles of Conduct for Insurance Intermediaries and the Fact Sheet About Your Registered Insurance Broker. These documents explain your rights as a consumer and our responsibilities as your insurance broker.
You can access them here:
Fact Sheet About Your Registered Insurance Broker
Your Privacy Matters
We take your privacy seriously. Any personal information you provide is protected, and we follow strict guidelines to ensure your data is handled securely and confidentially. For more information on how we collect, use, and protect your personal information, please review our Privacy Policy.
Questions?
If you have any questions about this information or the products and services we offer, please don’t hesitate to reach out. We’re here to help!