HOW DO WE GET PAID?

As your independent insurance broker, we purchase insurance products and services on your behalf that are available, affordable and understandable.

Our responsibility is to arrange for you the best insurance value from amongst our contracted insurance suppliers that combines coverage, service and price. We also provide personalized, quality service that includes professional insurance advice, ongoing policy maintenance and claims support. As your broker, Atto & Associates is your advocate when any issue arises regarding your insurance coverage. We use our professional experience to represent your individual interest and to provide counsel and guidance to you.

While you do not pay us directly to provide this insurance service, we are compensated by receiving a percentage of the premium that you pay. We have listed below all of the insurance companies that we represent for personal lines insurance. We have also included the range of compensation each provides as a percentage of your overall premium.

Automobile		Personal Property
York Fire & Casualty *	- 12.5%	York Fire & Casualty *	- 20.0%
	- 2.5% service fee		- 2.5% service fee
AXA Insurance*	- 12.5%	AXA Insurance*	- 20.0%
Pembridge Insurance *	- 10.0% - 12.5%	Coachman Insurance *	- 20.0%
Pafco Insurance*	- 10.0% - 12.5%	Pembridge Insurance *	- 20.0%
Echelon Insurance	- 12.5%
Facility (Royal)	- 7.5% - 11.0% (capped at $250.00)

In addition to the above contracted companies, we also have access to several other insurance companies that handle clients with special needs. If we have placed you with any of these other companies, we will advise you of the compensation level at the time we issue the application to you.
The percentage paid is deemed to be a commission paid by the insurance company. It is paid to us for both new business and for renewals.
Should there be a change in the compensation schedule or any other material change that affects compensation levels, we will advise you.
In order to maintain strong healthy working relationships with quality insurance companies, we work with each to provide the type of business that they desire and that is best suited to them. The insurance companies with an asterisk noted above recognize our efforts in this regard through a Contingent (also known as Profit) Commission contract. Payment of the Contingent (Profit) Commission to the broker may depend not only on profitability but also on growth, volume, retention and increased services that we provide on behalf of the insurance company. Contingent (Profit) Commission is not guaranteed. For detailed information on Contingent (Profit) Commission agreements please refer to the individual insurance companies' website.
We are pleased to confirm that we have no affiliation, financial or otherwise, with any insurance company.
If you have any questions regarding this or any other aspect of your insurance please contact us.

ATTO & ASSOCIATES INSURANCE BROKERS, INC.