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U.K. Insurance Brokers Inc. and the

PROLINK Insurance Group



Disclosure Statement:

Canada’s national privacy legislation, the Personal Information Protection and Electronic Documents Act
applies to all insurance brokerages collecting, using or disclosing Personal Information.


At U.K. Insurance Brokers we pledge to protect your privacy and safeguard your personal information.
You have access to our detailed privacy policy on our web site (www.PBNet.ca/UK).



Our Combined Estimated Results: The PROLINK Insurance Group of Companies:





Property and Casualty Insurance

Written Insurance Premiums





Financial Services

Mutual and Segregated Fund Assets

Individual Life, Disability, Critical Illness

Employee Group Benefits Programs









Corporate Administration

Number of Locations Including Branches in Canada

Number of Brokers and Professional Staff

Contracted Insurance Companies

Rank by Largest Premium in Canada













Shareholders including Subsidiaries and Affiliates:



- PROLINK Insurance Group Inc.

- PROLINK Financial Group Inc.

- Howard Douglas & Farnell Ltd.

- Smith & Associates Ltd.

- MacCoy Insurance Brokers Ltd.


- Cluett Insurance Brokers

- Dale Parizeau Morris McKenzie

- Jolicoeur Savard Assurance Inc.



U.K. Insurance Brokers is an independent insurance broker principally owned by active employees of the
company. PROLINK BROKER NETWORK Inc. owns a minority interest in the firm.
Visit www.PBNet.ca for more information.

Insurance is a contract of UTMOST GOOD FAITH between all parties of the contract:


Visit www.PBNet.ca/UK for more information.


U.K. Insurance Brokers recognizes the value of capital growth and business expansion in a very competitive
industry. In order to finance new initiatives and start new programs, our company and its shareholders will
borrow money from Canadian Banks, Trust and/or Insurance Companies which support these positive
operations. PROLINK Broker Network affiliates (including this brokerage and/or its shareholders) have arranged
periodic loans organized with The Dominion of Canada. The financial requirements of repayment of such loans
do not require, and will not influence the placement of business with an insurer.


Our focus is to develop protection plans which meets your unique needs and provides you with the best
value in the insurance marketplace. We are very pleased to report that customer claim satisfaction
(as reported on the Financial Services Commission of Ontario: www.fsco.gov.on.ca) for the companies with
whom we contract is extremely high.


Broker Compensation by Insurance Companies:

Insurers are extremely selective as to whom they choose to establish a broker contract. They seek relationships
with professional brokers capable of understanding the complex areas of risk management, policy wordings and
limitations. Both insurers and clients place a tremendous amount of responsibility on brokers to arrange
appropriate protection.


Accordingly, insurers compensate brokers for their role in:

A. Attracting the class of risk which the insurer is interested in writing.

B. Providing complete detail as determined by the insurer.

C. Prescribing the type of protection which meets both the needs of the client
and the interest of the insurer.

D. Maintaining all service issues and communication.

E. Remitting the required premium after deducting a fixed tariff, commission,
or fee, as prescribed by the contract from the insurer.

The basic compensation for providing these services range as follows:

A. Personal automobile insurance contracts range from 5% to 15% of premium,
or a flat fee of $250 regardless of the amount of the premium.

B. Liability and property insurance contracts range from 7% to 23%.

C. Occasionally a flat fee is charged as identified in an invoice.

D. Risk Management and Consulting Services: $150 to $250 per hour.


Contingent profit commissions are additional compensatory income available to the broker if the portfolio of
business written with any individual insurer is “profitable” to the insurer. This is a standard tool used by insurers
to help encourage brokers to select above average clients like YOU.


In many cases we do not survey or poll the many insures with whom we deal. Program Business is often written
with unique coverage and at rates which are typically well below retail rates.


At U.K. Insurance Brokers we usually receive approximately 1.5% of premium as a contingent profit commission
from the insurer because we are very selective about the type of client with whom we deal.

The companies, with whom we have these types of contracts include:


- AVIVA Canada

- AVIVA Traders Insurance


- Chubb

- Dominion of Canada

- Echelon


- Economical Mutual

- INTACT Insurance

- Lombard Canada

- Royal and Sun Alliance

- St. Paul Travelers

- ZURICH Canada


If you have any questions regarding this or any other matter pertaining to our business, please contact our Privacy
Officer, Javed Umar Khitab at 905.567.7003 or email him at javeduk@PBNet.ca.

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