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Website Legal Notice

AODA ACT

If you would like a copy of M. Edward Powell Insurance Brokers Ltd. AODA Policy or our AODA Feedback Form please contact us at This email address is being protected from spambots. You need JavaScript enabled to view it. or 905-844-3542 and we will provide.

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Terms and Conditions of Use

Welcome to the corporate website of M. Edward Powell Insurance Brokers Ltd. www.powellinsurance.ca. Use of this site is governed by the Terms and Conditions set forth. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THIS WEBSITE. The information and materials provided by M. Edward Powell Insurance Brokers Ltd. may be used for informational purposes only. By using, accessing or downloading materials from this website you agree to follow the terms and provisions as outlined in this legal notice, which apply to all visits to the M. Edward Powell Insurance Brokers Ltd. website, both now and in the future. M. Edward Powell Insurance Brokers Ltd. may at any time revise and update the Terms and Conditions. You are encouraged to periodically visit this page to review the most current Terms and Conditions of Use, to which you are bound. If you do not agree to these Terms and Conditions of Use, please do not use this website.

Restrictions

You may view, download and copy information and materials available on this website solely for your personal, non-commercial use. You may also use such material within your organization in connection with the support of M. Edward Powell Insurance Brokers Ltd’s products. As a condition of use, you agree not to modify or revise any of the material in any manner, and to retain all copyright and other proprietary notices as contained in the original materials on any copies of the materials. No other use of the materials or information is authorized. Any violation of the foregoing may result in civil and/or criminal liabilities.

Ownership of Information and Materials

The information and any materials (including white papers, press releases, data sheets, product descriptions, and Info & Tips) available on or from this website are the copyrighted works of M. Edward Powell Insurance Brokers Ltd., and any unauthorized use of that information or materials may violate copyright, trademark and other laws. Any rights not expressly granted herein are reserved.

Trademark Information

M. Edward Powell Insurance Brokers Ltd’s trademarks may be used only with written permission from M. Edward Powell Insurance Brokers Ltd. All other trademarks, brands, and names are the property of their respective owners. Except as expressly specified in these terms and legal restrictions, nothing contained herein shall be construed as conferring by implication, estoppels or otherwise any license or right under any patent, trademark, copyright or any proprietary rights of M. Edward Powell Insurance Brokers Ltd. or any third party.

Links to Other Websites

As a convenience and to make the M. Edward Powell Insurance Brokers Ltd. website truly service oriented we may from time to time include links to complementary sites on the Internet. These sites are owned and operated by third parties. M. Edward Powell Insurance Brokers Ltd. makes no representation and is not responsible for the availability of, or content located on or through, these third party sites. A third party link, from M. Edward Powell Insurance Brokers Ltd. website is not an indication that M. Edward Powell Insurance Brokers Ltd. endorses the third party or its sites, or has any affiliation with or between M. Edward Powell Insurance Brokers Ltd. and the third party hosting site.

Feedback

All commands, feedback, information or materials submitted to M. Edward Powell Insurance Brokers Ltd. through or in association with this website shall be considered non-confidential and M. Edward Powell Insurance Brokers Ltd. property. By submitting such comments, information, feedback or materials to M. Edward Powell Insurance Brokers Ltd., you agree to a no-charge assignment to M. Edward Powell Insurance Brokers Ltd. of worldwide rights to use, copy, modify, display and distribute the submissions. M. Edward Powell Insurance Brokers Ltd. may use such comments, information or materials in any way it chooses in an unrestricted basis.

Disclaimer

The M. Edward Powell Insurance Brokers Ltd. Internet team strives to provide you with useful, accurate, and timely information on this website. Accordingly M. Edward Powell Insurance Brokers Ltd. has attempted to provide accurate information and materials on this website but assumes no responsibility for the accuracy and completeness of that information or materials. M. Edward Powell Insurance Brokers Ltd. may change the content of any information or materials available at this website, or to the products described in them, at any time without notice. However, M. Edward Powell Insurance Brokers Ltd. makes no commitment to update the information or materials on this website which, as a result, may be out of date. Information and opinions expressed in bulletin boards (if any) or other forums are not necessarily those of M. Edward Powell Insurance Brokers Ltd. Neither M. Edward Powell Insurance Brokers Ltd., its officers, directors, employees, agents, distributors, or affiliates are responsible or liable for any loss damage (including, but not limited to, actual, consequential, or punitive), liability, claim or other injury or cause related to or resulting from any information posted on M. Edward Powell Insurance Brokers Ltd’s website. M. Edward Powell Insurance Brokers Ltd. reserves the right to revise these terms and/or legal restrictions at any time. You are responsible for reviewing this page from time to time to ensure compliance with then-current terms and legal restrictions because they will be binding on you. Certain provisions of these terms and legal restrictions may be superseded by expressly designated legal notices or terms located on particular pages of this website.

All information and materials available at this website are provided “as is” without any warranties of any kind, either express or implied, and M. Edward Powell Insurance Brokers Ltd. disclaims all warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement of intellectual property or arising from a course of dealing, usage or trade practice. In no event shall M. Edward Powell Insurance Brokers Ltd. be liable for any damages whatsoever (including, without limitation, indirect, special, consequential or incidental damages or those resulting from lost profits, lost data or business interruption) arising out of the use, inability to use, or the results of use of information contained at any or all such websites, whether based on warranty, contract, tort or any other legal theory and whether or not advised of the possibility of such damages. if your use of the materials or information on this website results in the need for servicing, repair or correction of equipment or data, you assume all costs thereof.

Termination of Use

M. Edward Powell Insurance Brokers Ltd. may, in its sole discretion, terminate or suspend your access to all or part of the M. Edward Powell Insurance Brokers Ltd. website, including, but not limited to any bulletin boards (if any) on its site, for any reason, including without limitation, breach of this agreement. In the event this agreement is terminated, the restrictions regarding materials appearing on the site and the representations and warranties, indemnities, and limitation of liabilities set forth in this agreement shall survive any such termination.

Governing Law: Jurisdiction and Venue

This Agreement shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada exclusive of its choice of law principles. The Ontario courts shall have exclusive jurisdiction and venue over any dispute arising out of or relating to this Agreement, and each party hereby consents to the jurisdiction and venue of such courts.

General Provisions

If any provision of this agreement is deemed void, unlawful or otherwise unenforceable for any reason, that provision shall be severed from this agreement and the remaining provisions of this agreement shall remain in force. This contains the entire agreement between you and M. Edward Powell Insurance Brokers Ltd. concerning your use of the site, and the agreement shall not be modified, except in writing, signed by both parties. If you have questions regarding M. Edward Powell Insurance Brokers Ltd.’s Terms and Conditions, please email: This email address is being protected from spambots. You need JavaScript enabled to view it.. Please review M. Edward Powell Insurance Brokers Ltd. privacy policy please click on the Privacy Policy tab located on the home page.

Since 1954, M. Edward Powell Insurance Brokers Ltd have been very proud to provide their clients with the best insurance value. We provide insurance products and services that best suit the needs of our clients. As well, we provide personalized quality service that includes professional insurance advice, ongoing policy maintenance and claims support. If any issues arise regarding insurance coverage, we are your advocates, using our professional experience to best represent your individual interest.

Brokerage compensation is paid for by the Insurers we represent and is part of your overall insurance premium. As part of our full disclosure policy, we have provided below the range of compensation each insurer provides as a percentage of your overall policy premium. These ranges are generally standard across the insurance industry.

Company

Automobile

Property

AIG

12.5%

16%

Aviva

12.5%

20%

Chubb

10%

15%

Coachman

10-12.5%

20%

Economical

10-12.5%

20%

Guarantee

12.5%

20%

Intact

10-12.5%

20%

Jevco

5-12.5%

 

Pafco

10-12.5%

 

Pembridge

12.5%

20%

Perth

10-12.5%

20%

Unica

12.5%

20%

Various Wholesalers

12.5%

5-20%

Zurich

7.5%

20%

Nordic (Facility Association)

5% subject to
$370. Cap

5% subject to
$370. Cap

In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they target. Some insurers recognize our efforts through a contract which may entitle us to Contingent Commission. Payment of this Contingent Commission may depend on a combination of growth, profitability (loss ratio), volume, and retention or business with each individual insurer. Contingent Commission is not guaranteed. For detailed information on Contingent Commission, please visit the individual company’s website.

M. Edward Powell Insurance Brokers Ltd. may charge a fee which is a fully earned non-refundable amount payable to M. Edward Powell Insurance Brokers Ltd.

The Intact Insurance Company has a minority ownership interest in the brokerage.

We are committed to strive, in every way possible, to meet our clients expectations.