Corporate Policy

Accessibility Statement:

At Billyard Insurance Group, we believe in integration and equal opportunity. We continuously strive to make sure that all our customers have full and equal access to our websites, mobile applications, and digital content.

To ensure that our websites and other digital properties are accessible to all persons with disabilities, we aim to meet the highest standards recommended by the World Wide Web Consortium (W3C) Web Content Accessibility Guidelines (WCAG) 2.0.

Broker Compensation:

Billyard Insurance Group (BIG) is an independent broker. We work on your behalf to provide reliable, competitive insurance protection for your assets and liabilities.

As an independent, privately owned broker, Billyard Insurance Group is not bound to a single insurance company, which enables us to prioritize your interests as our client. BIG insurance brokers are trained, and licensed professionals committed to provide insurance advice, coverage, and service, serve your ongoing insurance needs, and advocate for you if an issue or claim should arise. There is no direct or indirect ownership interest by any insurance company or financial institution; our compensation structure will never impact our advice to you.  

The term ‘broker’ means that BIG represents multiple insurance companies, which provides our carriers the opportunity to offer lower prices. Unlike an insurance carrier that writes directly, insurance companies in the broker channel do not need to cover expenses related to lead generation, marketing, administration, processing, and travel.

Billyard Insurance Group’s technical knowledge, industry expertise, technology offerings, client relationships, and professional advice provides additional value to our clients.

As we invest in our clients, we receive compensation for our services through a commission percentage, which is already built into your total premium. To be fully transparent, below you will find a schedule of commissions organized by insurer and product type.





Economical Mutual*20%

Facility (Nordic)N/A


Heartland Mutual*20%

Intact Insurance*20%







Wawanesa Mutual*20%

Various Specialty Markets 10%-15%





Economical Mutual*10%-12.5%

Facility (Nordic)6%-11%(Capped at $250)


Heartland Mutual*12.5%

Intact Insurance*12.5%







Wawanesa Mutual*7.5%-12.5%

Various Specialty Markets7.5%-12.5%

Commission percentages are paid annually to the broker and apply to new and renewed policies. Should there be any commission increase or other material change in compensation from your insurance carrier, you will be duly notified.

*This company offers incentives under Contingent (Profit) Commission or Growth contracts.  

Insurance providers carefully select and price businesses so that total premiums exceed the cost of claims paid to be successful. They may provide programs that incentivize growth, profitability, and retention in desired lines of business. Billyard Insurance Group may qualify for compensation under such Contingent Commission programs. Commission through these programs is calculated using proprietary formulas based on overall written premium, growth rates, profitability (loss ratio), and retention percentages.

Important Documents:

Principles of Conduct for Insurance Intermediaries

RIBO Conduct Sheet

RIBO Conduct Sheet Guidance

Additionally, our executives or other employees may be provided with the occasion to attend sales or educational conferences held or sponsored by our insurance company partners.

Please refer to the Consumer Code of Rights and Responsibilities to learn of the commitments made by your insurance company. This information is provided on your new business insurance policy and can also be viewed on the corporate website of each respective insurance company. 

Billyard Insurance Group is an Authorized requestor of Driver Record information and is not MTO affiliated.

Should you have any questions about this declaration or questions related to your insurance, please contact us

Take All Comer Act (Ontario):

The Take All Comers Act (Ontario) promotes fair access to insurance services and prohibits unjustifiable discrimination in the insurance industry. Billyard Insurance Group Brokers will consider both price and coverage to offer you the best package available based on their understanding of your needs. If you would like a detailed summary of price and products considered, this can be provided by your broker.