Legal

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Aviva and the Aviva logo are trademarks used under licence by the licensor. All trade-marks used on or in connection with the products and services Aviva provides are owned or licensed to Aviva. The trade-marks are protected by Canadian and foreign trade-mark laws, as applicable. All rights reserved.

General Disclaimer

The information, including any financial information, contained on this site is provided for information only, and does not constitute an offer to sell (or the solicitation of an offer to purchase) any security, nor does it constitute investment advice. While the information contained on the site has been compiled in good faith, no representation is made as to its completeness or accuracy. The financial reports contained on the site are only current as of the respective date contained in the particular report. Aviva makes no commitment, and disclaims any duty, to update or correct or to provide notice as to any error or omission in any report or other information contained on the site. Aviva reserves the right to add, modify or delete information on this site at any time.

All information and content on the site are subject to applicable statutes and regulations, and are furnished 'as is', without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Aviva shall not be liable (whether in negligence or otherwise) to any person for any error, omission or incompleteness in the information, or reliance on the information, on the site, nor shall Aviva be under any obligation to advise any person of any error therein. In no event shall Aviva be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, or loss of information) arising out of the use of or inability to use the site or the information thereon, even if Aviva has been advised of the possibility of such damages. Because some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.

Please note that there is no guarantee that any e-mail sent to Aviva will be received by Aviva, or that the contents of the e-mail will remain confidential during Internet transmission.

We take care to protect the privacy of customers and users of this site. Set out below is an explanation of how we process information about visitors to the site:

Personal Information

Some information is collected automatically when you visit the site because your IP address needs to be recognized by the server. We may use this information to monitor and analyze how parts of our site are used. Individual users are not identified and we do not use "cookies" for research.

We will not disclose without your consent any personal information we collect about you when you visit this site to a third party outside of Aviva. Third party sites are not covered by this privacy policy.

International Transfers of Personal Information

As the Internet is worldwide if you are visiting this site from outside Canada your visit will necessarily result in the transfer of information across international borders.

By visiting this site and communicating electronically with us you are consenting to these transfers.

Aviva Insurance Company of Canada Broker Compensation
As an insurer, Aviva Insurance Company of Canada (Aviva) has agency contracts with insurance brokers who provide advice and purchase insurance cover on their client’s behalf.

We take great care to ensure that our brokers who are under contract will operate to the highest professional standards. They earn their brokerage compensation as part of the insurance premium paid in the form of a commission.

Brokers have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Aviva are:
- Private Passenger Automobile 10.0 - 13.5%
- Personal Household & Property 15.0 - 25.0%
- Personal umbrella 15.0%
- Commercial Property 20.0%
- Commercial Casualty 20.0%
- Commercial automobile 7.5 - 25.0%
- Commercial Surety 15.0 - 27.5%
- Other classes of insurance 15.0 - 20.0%
Aviva Insurance Company of Canada may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.

Contingent Profit Commissions (CPC)

As part of our contracts with brokers/agents, Aviva recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed – and are based on volume, growth and the share of profitability of business submitted by the broker over an extended period – typically 2 years.

Profitability is measured by comparing premium revenue against expenses (e.g. claims costs, broker commissions, underwriting expenses and any other administrative costs).

Between 2017 to 2019, Aviva paid profit commissions of 1.5% of total written premium.

Other Services

A small number of Aviva brokers carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.

Broker Ownership and Business Loans

Aviva, from time to time, has provided and will continue to provide financial support to a small number of brokers/agents for the purposes of succession continuity and business expansion. These may take the form of an equity position or loans. We expect these arrangements would in no way impact the advice given to customers but these ownership and financial arrangements should be disclosed by brokers to their clients.

From time to time, as part of normal business practice, we may invite individuals from broker offices to participate in entertainment events.

If you have any queries, please write to info@avivacanada.com or contact your insurance broker.
Aviva Insurance Company of Canada (Aviva Group) Compensation
As an insurer, Aviva Insurance Company of Canada (Aviva Group) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.

We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.

Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Aviva Group vary by the extent to which either the broker, or Aviva Group undertake certain tasks at first placement and at policy renewal.

This explains the range of possible commissions:
- Private passenger automobile 7.0 - 14.0%
- Personal household & property 15.0 - 21.5%
Aviva Insurance Company of Canada (Aviva Group) may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.

Contingent Profit Commissions (CPC)

As part of our contracts with brokers/agents, Aviva Group recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed – and are based on volume, growth and the share of profitability of business submitted by the broker over an extended period – typically 2 years.

Profitability is measured by comparing premium revenue against expenses (e.g. claims costs, broker commissions, underwriting expenses and any other administrative costs).

Between 2017 to 2019, Aviva Group paid profit commissions of 1.8% of total written premium.

Other Services

A small number of Aviva Group brokers and agents carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.

From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.

If you have any queries, please write to info@avivacanada.com or contact your insurance adviser.
Aviva Insurance Company of Canada (Aviva Lifestyle) Compensation
As an insurer, Aviva Insurance Company of Canada (Aviva Lifestyle) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.

We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.

Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by Aviva Lifestyle are:
- Private passenger automobile 12.5%
- Personal household & property 12.5%
- Other (craft / trailers etc) 15.0 - 20.0%
Aviva Insurance Company of Canada (Aviva Lifestyle) may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.

Contingent Profit Commissions (CPC)

As part of our contracts with brokers/agents, Aviva Lifestyle recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed – and are based on volume, growth and the share of profitability of business submitted by the broker over an extended period – typically 2 years.

Profitability is measured by comparing premium revenue against expenses (e.g. claims costs, broker commissions, underwriting expenses and any other administrative costs).

Between 2017 to 2019, Aviva Lifestyle paid profit commissions of 1.4% of total written premium.

Other Services

A small number of Aviva Lifestyle brokers and agents carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.

From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.

If you have any queries, please write to info@avivacanada.com or contact your insurance adviser.

From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.
S&Y Insurance Company Compensation
As an insurer, S&Y Insurance Company (S&Y) has agency contracts with insurance brokers and independent agents who provide advice and purchase insurance cover on their client's behalf.

We take great care to ensure that our brokers and agents who are under contract will operate to the highest professional standards. They earn their compensation as part of the insurance premium paid in the form of a commission.

Brokers and agents have a duty to disclose their commission earnings on a given policy to their client if so requested. The standard commissions paid by S&Y vary by the extent to which either the broker / agent, or S&Y undertake certain tasks at first placement and at policy renewal. This explains the range of possible commissions:
- Private Passenger Automobile 10.0 - 12.5%
S&Y may from time to time enter into non-standard arrangements which could have compensation terms that fall outside these ranges.

Contingent Profit Commissions (CPC)

As part of our contracts with brokers/agents, Aviva recognizes broker efforts through the potential payment of Contingent Profit Commissions. CPC payments are not guaranteed – and are based on volume, growth and the share of profitability of business submitted by the broker over an extended period – typically 2 years.

Profitability is measured by comparing premium revenue against expenses (e.g. claims costs, broker commissions, underwriting expenses and any other administrative costs).

Between 2017 to 2019, Aviva paid profit commissions of 1.9% of total written premium.

Aviva Agency Services Inc. (“Aviva Direct”), a subsidiary of Aviva Canada Inc., and its licensed insurance agents, are committed to protecting your rights and responsibilities as a customer when carrying on insurance activities with you. We support and follow the 10 Principles of Conduct for Insurance Intermediaries published by CISRO (Canadian Insurance Services Regulatory Organizations).

Other Services

A small number of S&Y brokers carry out additional services on our behalf. These may include data entry, processing claims payments and conducting site surveys. This additional work is compensated by payment of an agreed fee or commission.

From time to time, as part of normal business practice, we may invite individuals from broker and agent offices to participate in entertainment events.

If you have any queries, please write to info@avivacanada.com or contact your insurance broker.

Legal

Aviva Insurance Company of Canada Broker Compensation

Aviva Insurance Company of Canada (Aviva Group) Compensation

Aviva Insurance Company of Canada (Aviva Lifestyle) Compensation

S&Y Insurance Company Compensation

Contingent Profit Commissions (CPC)

Other Services

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