Read this notice before using this Web site. By accessing and browsing this Web site you accept, without limitation or qualification, these terms and conditions.
Throughout this website any reference to the name P.J. Dermody Insurance Brokers shall be taken in whole as the meaning of P.J. Dermody Insurance Brokers, Division of K.Morgan Henry-Churchill Insurance Brokers Limited.
In these terms and conditions, any reference to "we", "us", or "our" refers to P.J. Dermody Insurance Brokers, Division of K.Morgan Henry-Churchill Insurance Brokers Limited.
Product and Website Availability
The products described in this Web site are available and intended only for distribution in Ontario, Canada.
Information Accuracy
All information on this Web site, including quotations and information relating to premiums is subject to change without notice. We strive to provide accurate and up-to-date material on this Web site. However, we make no warranties or representations and there are no conditions as to the accuracy or timeliness of the material provided on this Web site. We assume no liability or responsibility for any errors or omissions on this Web site.
Many terms used in and concepts depicted on this Web site are defined terms or matters specifically dealt with in the policies of insurance to which this Web site material relates. In all instances it is the terms of these policies which shall govern, including as to matters such as the scope of coverage or the outcome of any claim.
We may change, modify, add or remove portions of these terms and conditions of use at any time without notice. Your continued access and browsing following change of such change means that you agree to and accept these terms and conditions of use as amended. If you do not agree to any modification of these terms and conditions of use, you must immediately stop accessing and browsing this Web site.
Ownership of Intellectual Property
The contents of this Web site are the copyright of P.J. Dermody Insurance Brokers and are protected under the laws of Canada and other countries. All rights reserved. In addition, certain information may be copyrighted by others. The information on this Web site may not be reproduced, or distributed in whole or in part without the prior written consent of P.J. Dermody Insurance Brokers which may be arbitrarily withheld. Any infringement of these rights will result in appropriate legal action.
This Web site is owned and operated by P.J. Dermody Insurance Brokers
Trademarks
This Web site contains many trademarks, names, package designs, copyrights and other proprietary material owned and used by P.J. Dermody Insurance Brokers and/or its affiliated companies and providers.
The Trademarks on this Web site are protected from copying or reproduction under national and international trademark and copyright laws and nothing contained herein shall be construed as conferring by implication or otherwise any licence or right under any patent, trademark, copyright or other proprietary right. Therefore the use of the Trademarks is strictly prohibited. All rights reserved.
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Insurance Providers
All Insurance products sold by P.J. Dermody Insurance Brokers
are underwritten by Federally and Provincially licensed
insurance companies of Ontario, Canada.
Commissions
Brokerage compensation is part of your insurance premium. For your benefit we have listed below the companies we represent and have included the range of compensation each provides as a percentage of your overall Premium.
|
Company |
Personal Automobile |
Personal Property |
Commercial Automobile |
Commercial Property/Liability |
| Aviva Canada Inc.* | 8.5% to 15.5% |
- |
||
| Aviva Elite Insurance Company* | 8.5% to 15.5% |
- |
||
| Aviva Pilot Insurance Company* | 8.5% to 15.5% | 15% to 24% | ||
|
Chieftain Insurance |
12.5% |
12.5% |
- |
- |
|
Dominion of Canada General Insurance* |
7.5% to 12.5% |
20% |
7.5% to 12.5% |
20% |
|
Economical Insurance Group* |
10% to 12.5% |
20% to 25% |
7.5% to 12.5% |
20% |
|
Facility Association |
6% to 11% |
- |
10% |
- |
|
Gore Mutual Insurance* |
10% to 12.5% |
20% |
12.5% |
20% |
|
ING Insurance Company of Canada* |
10% to 12.5% |
15% to 20% |
7.5% to 12.5% |
20% to 22.5% |
|
Perth Insurance Company |
5% to 12.5% |
15% |
- |
- |
In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. The Insurers with an asterisk noted above recognize our efforts through a Contingent (Profit) Commission contract. Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ration), volume, retention and increased services that we provide on behalf of the Insurer. Contingent (Profit) Commission is not guaranteed. For detailed information on Contingent Commission, please go to the individual company’s website.
Links
P.J. Dermody Insurance Brokers has not reviewed any or all of the sites that may be linked to this Web site and is not responsible for any sites linked to this Web site. Your linking to any sites from this Web site is at your own risk. By linking to a site or permitting a link to this Web site, we do not endorse the site operator or the content of the linked site.
Idea Submission/Use of Information
We do not accept unsolicited ideas for new products, packaging, marketing, advertising, research, business operations and the like. Should you ignore this policy and submit an idea to us, you agree that the idea becomes and remains the sole and exclusive property of P.J. Dermody Insurance Brokers without further liability or compensation to you.
If you respond to us with any information, including but not limited to feedback, data, questions, comments, suggestions, or the like, such information shall not be deemed confidential. All such submissions shall be deemed the property of P.J. Dermody Insurance Brokers, and your submission of information shall constitute an assignment to P.J. Dermody Insurance Brokers of all worldwide rights, titles, and interests in such information. We will not be liable for any use or disclosure of such information. We will not have any obligation to keep such information confidential and will be free to reproduce, use, disclose and distribute the information to others without limitation. We will be free to use any ideas, concept, know-how or techniques contained in such information for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products which incorporate or otherwise rely upon such information.
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