As your Independent Insurance Broker, we purchase 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, ongoing policy maintenance and claims support. When any issue arises regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual interest.


Jones & Associates Insurance cannot bind coverage via email, phone message, or fax you must speak directly to one of our licensed brokers.

Broker compensation is part of your insurance premium. For your benefit, we have listed below the following Insurers that we represent and have included the range of compensation each provides as a percentage of your overall premium.

Companies Property Automobile
Aviva* 20% 12.5%
CAA 20% to 25% 12.5% to 20%
CAA - My Pace
$100 Per Policy Written
Economical Insurance* 20% 12.5%
Facility(Nordic) N/A 6% to 11% Capped @ $250
Gore* 20% 12.5%
Hagerty N/A 12.5%
Intact* 20% 7.5% to 12.5%
Jevco 20% 5% to 12.5 %
Markel Insurance 20% 10%
Perth 15% 12.5%
The Sovereign General 20% to 25% N/A
Various Specialty Markets 20% 3% to 10%
Wawanesa* 20% 12.5%

This Commission percentage is paid annually for both new business and renewals.

Should there be an increase in the commission schedule we receive from your insurer, or, any other material change that affects compensation arrangements, we will notify you.

In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. The Insurers with an asterisk noted above recognize our efforts through a Contingent (Profit) Commission contact. Payment of this Contingent (Profit) Commission may depend on a combination of growth, profitability (loss ratio), volume, retention and increased services that we provided on behalf of the insurer. Contingent (profit) Commission is not guaranteed. On occasion insurance companies may also invite us to an invitation only sales convention. Our disclosure commitments are made in the best interest of consumers. We encourage you to also consult the commitments made by the insurance industry and individual companies by consulting their website.

Your Insurer will be providing you with a Consumer Code of Rights and Responsibilities, which will be forwarded to you with your new business policy. If you have any questions regarding this or any other aspect of your insurance please contact us.

RIBO Conduct Sheet - FAQ

RIBO Conduct Sheet - Guidance

Insurance Quote

Finding the right coverage is easy! Let one of our experienced brokers find the coverage options to fit your unique insurance needs.

Emergency Claims

If our office is closed and you need to make an emergency claim, we ask that you try to reach one of us at our emergency claims number.

Our Location

521 Memorial Ave

Thunder Bay, ON P7B 3Y6



[email protected]

Hours of Operation

Monday - Friday: 9am – 5pm

Weekends: Closed


Need to make an after hours claim? Visit our emergency claims page.