These terms may change or discontinue at any time, without notice to you. You are responsible for reviewing these terms and agree to be bound by any changes.
Broker Services & Compensation
As your independent insurance broker, A-WIN Insurance purchases insurance products and services on your behalf that are available, affordable and understandable. Our role is to provide you with the best insurance value that combines coverage, service and price. We also provide personalized quality service that includes professional insurance advice, on-going policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocates, using our professional experience to best represent your individual interest.
Brokerage compensation is part of your insurance premium. In addition to the insurance companies we represent under contract, A-WIN Insurance may place risks with speciality markets when it is in our client’s best interest. In most cases, these speciality markets provide compensation at a lower rate than the insurers we represent. In some cases, it may be necessary for us to charge a fee in lieu of or in addition to the commission payable under the insurance policy. In these cases, we will disclose both the fee and any commission payable under the insurance policy.
In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. Some insurers recognize our efforts through a contingent commission contract. Payment of this contingent commission depends on a combination of profitability (loss ratio) and/or growth (usually over a number of years) and/or increased services that we provide on behalf of the Insurer. In some instances, the occurrence of a few large losses on our book of business can disqualify us from receiving a contingent commission for one or more years.
For detailed information on contingent commission, please go to the individual insurer websites. A-WIN Insurance is independent of all insurers (there is no common ownership). If you have any additional questions or require other information regarding any of the compensation received by A-WIN Insurance for any of its insurance brokerage services, please do not hesitate to contact your broker.
Insurance Product Availability
A-WIN Insurance is licensed in Alberta, British Columbia, Saskatchewan and Manitoba. We only offer insurance in these four provinces at this time. Your individual broker may be licensed in fewer jurisdictions.
While the information contained on A-WIN Insurance’s website has been compiled in good faith, we make no guarantee nor representation that is it complete, accurate, or current at all times. A-WIN Insurance makes no commitment and disclaims any duty to update or correct or provide notice of any error or omission in any information found on this website.
A-WIN Insurance reserves the right to add, edit, or delete information or content on this website at any time.
A-WIN Insurance’s website is provided for informational purposes only. You should not solely act or rely on the information on this website. We recommend seeking advice directly from one of our licensed insurance brokers.
In the event of any conflict between your insurance policy and the information provided on the A-WIN Insurance website, your insurance policy documents will prevail.
Online Insurance Quotes
You may request an insurance quote online via the A-WIN Insurance website. You must disclose all material facts that may affect your coverage and premium. All information you provide must be correct and accurate. Otherwise, we may not be able to provide you with an accurate insurance quote. Not all people who request an online insurance quote will qualify for an insurance policy.
Trademark and Copyright
A-WIN Insurance and its logo are registered trademarks used under license. A-WIN may also claim rights in other trademarks, logos and icons contained on this website.
Copyright of this website belongs to A-WIN Insurance, unless otherwise indicated. Content may not be used, sold, licensed, copied or reproduced in whole or in part in any form without prior written consent from A-WIN Insurance.
General Disclaimer and Limitation of Liability
All information and content on the A-WIN Insurance website are provided “as is,” without warranty of any kind. A-WIN Insurance shall not be liable to any person for error, omission or incompleteness in the information or reliance on the website’s content. A-WIN Insurance will also not be any under obligation to advise of any error on this website. A-WIN Insurance will not be held liable for direct, indirect, incidental, consequential or special damages, losses, claims or expenses whatsoever arising out of the use of or inability to use the website or the content or information provided on the website.