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Disclosure and Compensation Policy

Western Financial Group is a full-service insurance brokerage committed to providing quality service to our customers. Headquartered in High River, Alberta, Western Financial Group provides personal and business insurance through branch locations, its affiliates and a variety of connected channels, with an engaged team of approximately 2,100 people.  

As part of that ongoing service, we would like to inform you of the following:

Western Financial Group is a division of Western Financial Group (Network) Inc., a subsidiary of The Wawanesa Mutual Insurance Company. No other insurance company has a financial interest in Western Financial Group.  Western Coast Insurance Services and Wyatt Dowling Insurance Brokers are a division of Western Financial Group.

Neither company or its divisions practice “tied selling” so you are not required to conduct any other business with The Wawanesa Mutual Insurance Company in order to deal with Western Financial Group and vice versa.

The staff at Western Financial Group and its divisions are licensed to conduct general insurance business by the insurance councils in the provinces where they do business.  They are paid by Western Financial Group.  Neither the staff nor Western Financial Group has a financial interest in the insurance companies underwriting the contracts.  Nor do the insurance companies have a financial interest in the individual completing this transaction.

Western Financial Group has partnered with many of Canada’s leading insurance companies to offer you the products and coverages that best meet your needs. Some of Western Financial Group’s insurance partners are:

Wawanesa Mutual *

Intact & Jevco Insurance *

SGI Insurance & Coachman Insurance *

Aviva *

Peace Hills *


Northbridge *

Lloyds of London *

Portage La Prairie Mutual *

Optimum West & Optimum Insurance *

Travelers Canada & Chieftan Insurance *

Red River Mutual *

Wynward Insurance

Unica *

Chubb Insurance *

Gore Mutual Insurance *

Peel Mutual *

Pembridge-Pafco Insurance *

Commonwell Mutual *

Optiom Insurance

Nordic Facility

HDI Global Specialty SE *


Western Financial Group also deals with intermediaries including the following:

Milnco Insurance Brokers, Can-Sure Underwriting, Western Underwriting Managers, Beacon Underwriting, Oasis Insurance, Premier Canada Assurance, Premier Marine Insurance, CFC Underwriting, Totten Insurance Group, Strategic Underwriting Mangers, Hagerty Canada, Risk-Can Underwriting Managers, ENCON Group, Markel Canada, Marsh Canada, April Canada, South Western Group among others.   

Western Financial Group also offers a white label product. A white label product is a product branded under Western Financial Group; however, the policy is written by a third-party insurer. Western Financial Group has authority to bind business on behalf of the insurer and administer claims. These products carry a higher percentage of commission than other products as a result of the additional services provided and are included in the broker compensation ranges noted below.

Brokerage compensation is part of the insurance premium and is paid annually on new and renewal business.  On Automobile business the compensation ranges from 5% to 22% with Facility Association policies in Ontario capped at a maximum of $310.  On Personal & Commercial Property and Casualty Business the range is between 7.5% and 27.5%.  For Surety Insurers the range is between 25% to 50%. The companies with an asterisk* noted above offer a Contingent Profit Commission (CPC) based on a combination of items including growth, profitability, volume, retention and the increased services we provide on behalf of the insurer.  CPC is not guaranteed.  For detailed information on Contingent Commission, please go to the individual company’s website.

Western Financial Group’s disclosure commitments are made in the best interest of consumers.  We commit to providing all quotes available and provide recommendations that best suits the individual needs. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their websites or other available information.

Western Financial Group Insurance partners conduct promotional contests from time to time, and although Western Financial Group may participate this does not impact our ability to recommend the product that best supports the individuals need.