Broker Affiliation & Compensation

To Our Customers

Auto insurance is regulated by the provincial government. Thank you for your business. Canadian Insurance Alliance (2018) Inc. O/A HUB SmartCoverage, and its’ brands, would like to make you aware of who we are and how we are compensated.

HUB SmartCoverage is a privately owned insurance brokerage without financial affiliation to any individual insurance company.

HUB SmartCoverage receives compensation in two ways. First, a base commission is paid by the insurer on the premium we charge you that relates to the work effort, underwriting and other policy administration expenses borne by HUB SmartCoverage. This base commission will vary from 9% to 20% depending on the product line and insurer. Second, a contingent commission may be paid to HUB SmartCoverage if an insurer represented by HUB SmartCoverage achieves certain underwriting results. The methodology for calculating the payment will vary by insurer, but generally the contingent commission, if paid, will range from 0.25% to 2.2% of the premium that HUB SmartCoverage produces for that insurer.

HUB SmartCoverage represents the following insurers*:


* Brand and product availability varies by Province.

Your insurer will be providing you with a Consumer Code of Rights and Responsibilities that will be forwarded to you with your policy. If you have any questions regarding the above or any aspect of your insurance please contact us at:

Email: service@hubsmartcoverage.ca

Or write to us at*:

HUB SmartCoverage
P.O. Box 489, Station A
Windsor, ON N9A 6M6