Privacy, Limitation of Liability, and Discolure

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; and
  • 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.

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.

Limitation of Liability

Floyd Hall Limited., 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, Floyd Hall 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. Floyd Hall Limited makes no representations whatsoever about any other Web site which you may access through this site. When you access a non-Floyd Hall Limited Web site, you understand and acknowledge that it is independent from Floyd Hall Limited, and that Floyd Hall Limited has no control over the content on any such Web site. In addition, a link to a non-Floyd Hall Limited Web site does not mean that Floyd Hall Limited 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 FLOYD HALL LIMITED 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.


As your Independent Insurance Broker, our role is to help you obtain the best possible insurance product(s) to suit your individual needs. We consider many factors in the recommendations we make to you with respect to placement of insurance coverage, including various payment and coverage options, service, price, stability and flexibility offered by the insurance companies we have access to. We strive to provide personalized, quality service that includes offering you solid insurance education so that you are empowered to make well-informed choices. Using our good relationships built with your insurance company and our solid understanding of your insurance as a foundation, we advocate on your behalf when insurance issues arise and you need us to represent your interests.

Brokers are paid a portion of your insurance premium by the insurance company for everything involved with facilitating the placement of insurance coverages. For your benefit, we have listed below the insurance companies we access on your behalf, including the range of compensation each provides as a percentage of your premium.

Algoma Mutual 10  to  20%
Aviva 7.5  to  20%
Echelon 10  to  12.5%
Commonwell Mutual Lindsay 12.5  to  20%
Gore Mutual 7.5  to  20%
Royal Facility 5  to  10%
Royal SunAlliance (RSA) 10  to  20%
Wawanesa 8.5  to  20%
Western Assurance 7.5  to  20%

For detailed information on Contingent Commission, please go to the individual insurance company website. Your insurance company provides you with a Consumer Code of Rights and Responsibilities with all new insurance contracts. This document is also available at their individual website.

It is important that each of our clients understand and trust that our advice to you, recommendations of coverage and choice of insurer is always based on what is best for you. We make profit and grow by satisfying our clients’ need to have excellent service, industry and product education, and by providing our clients with competitive products and pricing. All of which, we hope, will foster trust, client satisfaction, long-term business relations with our clients, and hopefully referrals to family, friends and collegues.

If you have any questions or concerns regarding any of the above captioned, we welcome you to call. We are always happy assist you and thank you for your valued business.