Legal / Regulatory Policies
Terms & Conditions
Haldimand Insurance Brokers LTD, its affiliates and related companies take no responsibility for the accuracy or validity of any claims or statements contained in the information, or related graphics of this site. Further, Haldimand Insurance Brokers LTD makes no representations whatsoever about the suitability of any of the information contained in the information or graphics on this site for any purpose. All such information and related graphics are provided without warranty of any kind. Haldimand Insurance Brokers LTD make no representations whatsoever about any other Web site which you may access through this site. When you access a non-Haldimand Insurance Brokers LTD Web site, you understand and acknowledge that it is independent from Haldimand Insurance Brokers LTD and that Haldimand Insurance Brokers LTD has no control over the content on any such Web site. In addition, a link to a non-Haldimand Insurance Brokers LTD Web site does not mean that Haldimand Insurance Brokers LTD endorses or accepts any responsibility for the content, or the use, of such Web site. It is your responsibility to take precautions to ensure that whatever you select for your use by you is free of such items such as viruses, worms, trojan horses and other items of a destructive nature. IN NO EVENT WILL HALDIMAND INSURANCE BROKERS LTD BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE INFORMATION AVAILABLE OR REFERRED TO ON THIS SITE.
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 issues arise regarding your insurance coverage, we are your advocate, using our professional experience to best represent your individual or family interest.
Our brokerage compensation is part of your insurance premium. For your benefit we have listed below Automobile, Personal Lines Property, Commercial and Farm insurers that we represent and have included the range of compensation each product contributes to your overall premium that appears on your invoice.
Automobile
Aviva Group, Echelon, Gore, Hagerty, HD Mutual, Intact, Jevco, Nova Mutual, Portage
5% - 12.5%
Personal Lines Property
Aviva Group, Gore, HD Mutual, Intact, Nova Mutual, Portage, Specialty Markets*
20% (*various)
Commercial and Farm
Aviva Group, Echelon, Gore, HD Mutual, Intact, Jevco, Nova Mutual, Portage, Specialty Markets *
15% - 25% (*various)
For us to maintain strong relationships with quality insurers, we will work with each to provide the type of business they desire. The insurers recognize our efforts and pay us a contingent commission depending on growth, profitability (loss ratio), volume, retention and increased services that we provide on behalf of the insurer. Contingent Commission is not guaranteed. Go to the Company’s website for detailed information.
Haldimand Insurance is proud of our independence, financial stability and that you can count on us to be there when you need us most. We will continue to demonstrate the highest level of professionalism and commitment to you. Nova Mutual holds a minority interest in our company and has provided a loan used to expand our business. This relationship has no impact on the decisions where to place insurance.
Our disclosure commitments are made in the best interest of our customers. We encourage you to consult insurance industry websites for additional information.
Privacy Policy
Our brokerage and the insurance industry have a solid track record of respecting your right to privacy and safeguarding your personal information. As a result of federal legislation, we’ve further strengthened our privacy commitment by informing you of why and how we collect, use and disclose your personal information. You can be assured that we’ll only handle your personal information in a manner that a reasonable person would consider appropriate in the circumstances.
Personal Information Collected
Depending on the purpose(s) for which we need to collect it, we may ask for the following personal information about you including:
- Basic information such as your name, address, telephone and fax numbers, e-mail, address, birth
- date and marital status.
- Claims history
- Credit and past payment records
- Driver’s record
- Details about your property, such as the value of your home and its contents
- Medical information, such as any condition that may affect the operation of a vehicle
- Employment information
We may obtain this information from:
- You
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Motor vehicle and driver licensing authorities
- Financial institutions
- Medical professionals
Why do we collect personal information?
When you first become a client or whenever you acquire or renew a product from us, we need to collect some of your personal information. Common purposes for which we collect your personal information are to:
- Enable us to acquire or renew an insurance policy for you
- Assist you and assess your ongoing needs for insurance
- Assess your need for other products, such as financial products, and to offer them to you
- Ensure your information is accurate and up-to-date
- Protect us both against error or fraud
Who do we disclose your personal information to?
For many of the purposes identified above, we will need to share your personal information with others in order to serve your needs. These other parties commonly include:
- Insurance companies
- Other insurance brokers or agents
- Credit organizations
- Professionals working with us such as adjusters or lawyers
- Financial institutions. For example, the organization that carries your mortgage
How we protect your personal information
In order to protect your personal information and right to privacy, we will:
- Not collect, use or disclose your personal information for any purpose other than those that we identify to you
- Keep your personal information only for as long as we need it to fulfill the stated purpose or as required by law
- Maintain your personal information in as accurate, complete and up-to-date a form as possible
- Safeguard your personal information to the best of our ability
- Respond to any request you may make to access or correct the personal information we hold about you
- Obtain the appropriate consent from you for the collection, use or disclosure of your personal information
Privacy Internet Communication
As the privacy of communication over the Internet cannot be guaranteed, we do not assume any responsibility for any harm, loss, or damage that might occur by the sending of personal and confidential information.
Consent
In using this site, you signify your consent to our privacy policy. If you are not in agreement, please do not use the site. We reserve the right, at our discretion, to update, change, modify, add, or remove this policy from time to time, as appropriate. Should we make changes, we will publish these on the site in a timely fashion.
Please do not hesitate to contact our Privacy Officer should you have any questions.
Our Privacy Officer may be contacted as follows:
Haldimand Insurance Brokers LTD
Upon request, an individual will be informed of the existence, use, and disclosure of his or her personal information which is under our control, and may be given access to, and challenge the accuracy and completeness of that information.
Code of Conduct
Our office strongly adheres to the fair treatment of all our clients.
All of our team members are licensed Registered Insurance Brokers of Ontario (RIBO).
The following two documents are designed to help customers better understand what they can expect from RIBO license holders.
1)
Principles of Conduct for Insurance Intermediaries published by the The Canadian Insurance Services Regulatory Organizations (CISRO)
2) About Your Insurance Broker
fact sheet published by RIBO