A broker who will not tell you their commission is telling you something anyway.
Insurers pay brokers commission, typically between 7.5% and 17.5% of premium depending on the class. That is normal and it is not a scandal. What is unhelpful is not knowing it, because commission varies by class and by insurer, and that variation creates an incentive.
So we print ours next to the premium on every recommendation, including when a lower-commission option is the one we are recommending. If you would rather pay a flat fee and have the commission rebated, we will structure it that way.
By three brokers from composite insurers who wanted to sit on the client's side of the table. Same ownership since.
The broker who placed the policy handles the claim. It is more expensive for us and it is the only structure that keeps us honest.
Not three weeks before expiry, which is when most clients discover their broker has simply invited the same insurer back.
We hold no agency that requires us to place a volume of business, because that would quietly decide where your risk goes.
No motor fleet, no medical, no personal lines. Those are different markets and we would be pretending.
Of the free reviews we do, roughly a third end with us telling the client their current arrangement is fine.
