Compensation Disclosure

At Bullfrog Insurance Ltd., our role is to provide you with the best insurance value that combines coverage, service, and price. We also provide personalized service that includes professional advice, ongoing policy maintenance and claims support. When an issue arises regarding your insurance coverage, we are your advocate using our experience and leverage with our insurance companies to best represent your interests.

Business Insurance

Broker compensation is part of your premiums. For your benefit, we have listed below our contracted insurance companies and Managing General Agents. We are paid commissions for each policy that we issue (new business and renewals) which ranges from 15% to 25% for property and liability insurance and 15% to 25% for specialty lines.

  • Aviva Insurance Company of Canada*
  • Guarantee Company of North America*
  • Northbridge Insurance*
  • Lloyds of London (accessed through South Western Insurance Group Ltd.)*

Contingent Bonuses

In order for us to maintain strong relationships with our contracted insurance companies we work with them to place business that best fits their target niches. Some insurance companies provide an incentive through profit sharing arrangements if we achieve certain growth, retention and portfolio profitability targets. The insurance companies noted with a star(*) beside their name have these arrangements in place with our office. These contingent bonuses are never guaranteed and do not influence where we place our clients’ business.

Your insurance company should have provided you with a consumer code of rights and responsibilities. If you do not have a copy it can easily be obtained from their website. If you have any questions regarding this or any other aspect of your insurance please contact us.

Proudly Independent

Bullfrog Insurance Ltd.  is an independent company that is 100% Canadian-owned. Unlike many of our competitors, no insurance company owns any portion of our company and we are not contractually obliged to place a specific amount of business with any of the insurance companies we represent.