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We are not owned by a Bank or Insurance Company
We are an Independent Broker
JD Smith & Associates Insurance Brokers Inc.

We adhere to the Ontario Code of Consumer Rights and Responsibilities.
We are a Registered Broker with RIBO and all of our brokers hold a RIBO insurance license.

We have been in business providing Insurance Solutions, since 1979. Many of our current clients have been with us for 40 years and we are thankful.

As your broker, we will work with you to place your business with the most competitive company that you agree is best for you. We have NO allegiance to one particular company. Insurance companies sometimes give us a contingent commission of about 1 % based on our profitability, sales performance, losses and potential losses.
If we are your broker you can count on us to provide you with excellent service, price and a broad range of coverage choices.

We want to work with our clients to provide Risk Management and Claims Prevention suggestions. Our goal is to write good business with clients that are responsible drivers. We want to insure clients that understand Insurance should be in place for Emergencies and to Provide Peace of Mind. Servicing claims, when they happen,  is important.

Unfortunately, this year we have seen some major increases in premiums that were due to a high volume of water and fire losses in Canada. It is important that  Insurance companies remain financially healthy and are be able to provide safe, broad coverage for our insureds.

Our Brokerage Group continues to grow with  over 11,000 clients. We are working hard to keep up with the new commercial business that is referred to us due to our low rates and personal service.

The following Companies pay us as they do other brokers, 15% Commission on Property Policies, new and renewed.
AIG, Frank Cowan, Creechurch, Eastern Marine, Encon, Equine Insurance, Elliott Special Risks, Premier Marine, Lloyds of London, Northbridge, Premier Canada, South Western

The following companies pay us as they do other brokers, 20% Commission on Property Policies new and renewed.
Aviva, Chubb, Chieftain, Dass, Ecclesiastical, Economical, Economical Select, Intact, Perth, Traders, Travelers, Unica, Wawanesa

The following Companies pay us, as they do other brokers,  Between 5% and 12.5% Commission on Auto Policies
Aviva, Chieftain, Economical, Intact, Jevco, Traders, Travelers, Unica, Wawanesa

The above commission Percentages are paid Annually for both new and renewal policies. All brokers are paid on the same basis. It is already part of your insurance premium.

In order for us to maintain a strong relationship with quality Insureds and clients, we work with each Insurance Company to assist them in underwriting the quality of the client. The insurers listed above (except those that pay us 15%), may occasionally, each pay us a contingent commission depending on a combination of growth, profitably, loss ratio, volume of business, retention and increased services that we provide on behalf of the insured. The contingent commission is not guaranteed. Each company has its policy outlined on its web site. Should there be an increase in the commission schedule, or any other material change that affects our compensation, we will notify you.

Every major insurance company is represented in our office. Some have better service and rates than others. Most will niche market specific types of business.
Our RIBO licenced staff are here to provide Excellent Service and Assist you with Insurance Solutions for you and your family.

JD Smith & Associates Insurance Brokers Inc.

We are pleased to outline for you our policies regarding the collection, use, and disclosure of personal data when you use our Service and the Choices you have, associated with that data. Our Privacy Policy is based on the Government policy put in place last year.

We use your data to provide and improve the Service we provide. The insurance companies must have basic information to quote and underwrite coverage. We must store information  such as your email address, phone numbers, date of Birth, the accidents and tickets you have, members in your family and your claims history. We do not store your payment information. For any payment problems you must contact the insurance company directly. (please be aware that today if you are cancelled for non-payment it will be very difficult to get new coverage and it could be up to double your prior premium).

For additional discounts, there is also additional basic information you will need to supply, to our RIBO Licenced broker.

By using our Services, you agree to the collection and use of information, and are allowing us to email you insurance information and in some situations, copies of your policies, in accordance with this privacy policy. Our computers are protected with the best security systems available in today’s computer environment. We are careful to protect your information and are here as RIBO Brokers to assist you with finding the best coverage solutions for you and your family.

View the RIBO Broker Facts


RIBO JD Smith & Associates Insurance Brokers Inc.
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
Tel: 905-764-7868
Fax: 905-764-9618
JD Smith Insurance
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