Disclosure Statement

Trevor Allaby is a licensed Canadian insurance broker operating independently on behalf of my clients. I am not owned by any insurance company, nor do I have any exclusive financial arrangements that require me to place business with any single insurer.

My goal is to provide clients with insurance solutions that balance coverage, price, and service, while ensuring transparency in how I am compensated.

As an independent insurance broker, my responsibilities include:

• Helping you identify and compare insurance coverage options
• Providing professional advice based on your needs and risk profile
• Assisting with policy changes, renewals, and ongoing servicing
• Supporting you through the claims process when required
• Acting in your best interest when advising on insurance solutions

I am your representative in dealing with insurers and advocate on your behalf throughout the policy lifecycle.

Broker compensation is included in the insurance premium you pay. In most cases, I am paid a commission by the insurance company when a policy is purchased, renewed, or modified.

In addition to base commissions, some insurers may provide contingent or profit-based commissions. These are not guaranteed and may depend on factors such as profitability, volume, retention, and loss performance of the overall portfolio.

I may also, in limited cases, receive fees for specialized services where disclosed in advance.

Certain insurers may pay brokerage firms additional compensation if underwriting performance and business targets are met.

These payments:

• Are not tied to any individual policy outcome
• Are determined by overall portfolio performance
• May vary by insurer and line of business
• Are not guaranteed

Trevor Allaby does not have the ability to predict or guarantee contingent commissions at the policy level.

The following table represents typical commission ranges paid by insurers to brokers in Canada. Actual compensation may vary depending on insurer, product, underwriting criteria, and policy structure.

These ranges are provided for transparency purposes and reflect common industry compensation structures. Exact compensation is determined by individual insurer agreements and may vary.

You have the right to:

• Ask how your broker is compensated at any time
• Request information about insurer relationships
• Receive clear explanations of coverage options and pricing
• Choose to move your policy at renewal if desired

I encourage clients to review policy documents carefully and ask questions about any aspect of coverage or compensation.

This disclosure may be updated periodically to reflect changes in insurer agreements, regulatory requirements, or business practices.