Real People. Real Advice. Rooted in Your Community.
As a proudly independent brokerage with deep roots in Eastern Ontario and Western Quebec, we believe in personal service, honest conversations, and showing up when it counts. Whether you’re protecting your home, business, or farm, we’re here.
Discover Our All
Insurance Services
Personal Insurance
Commercial Insurance
Farm Insurance
Insurance Brokers Who Put People First
We’re proud to be privately owned and rooted in the communities we serve.
We listen first, then match you with coverage that actually fits.
You won’t talk to a stranger. You’ll get to know your broker by name.
We’re upfront about how we work and what you’re paying for.
Broker Compensation Disclosure Section
As a licensed insurance brokerage, we’re paid a commission by the insurance companies we place your business with. The percentage varies by insurer and type of policy. We’re also proud to maintain strong relationships with our insurer partners, built on trust and mutual commitment to serving our clients with integrity.
| Insurer | Compensation |
|---|---|
Apollo |
0 – 20% |
April / April Marine Canada |
0 – 20% |
Arthur J. Gallagher Co. |
0 – 13% |
Aviva Canada ** |
0 – 20% |
Aviva Elite/Hagerty |
0 – 20% |
Beazley Canada |
0 – 20% |
Burns and Wilcox Canada |
0 – 15% |
Can-Sure |
0 – 15% |
The Commonwell** |
0 -20% |
Ecclesiastical Insurance** |
0 – 20% |
Echelon Insurance |
0 – 12.5% |
Economical Insurance ** |
0 – 20% |
Forward Insurance |
0 – 20% |
Gore Mutual ** |
0 – 20% |
Grenville Mutual ** |
0 – 20% |
Group Assur |
0 – 15% |
Heartland Farm Mutual ** |
0 – 25% |
HSB BI&I Canada |
0 – 20% |
Intact Insurance ** |
0 – 20% |
K & K Insurance Canada |
0 – 20% |
Markel Canada |
0 – 20% |
Nordic (Personal Facility) |
7.5 – 11% capped at $185 to $370 |
Nordic(Commercial Facility) |
6% – 10% capped at $370 cap to no cap |
PAL Insurance Brokers |
Fee |
Portage Mutual ** |
0 – 20% |
Premier Group of Companies |
0 – 15% |
Southwestern Insurance Group |
0 – 15% |
SRIM |
0 – 15% |
TCIM |
0 – 15% |
Totten Group Insurance |
0 – 15% |
Travelers Canada ** |
0 – 20% |
Trinity Underwriting |
0 – 20% |
USLI |
0 – 17.5% |
Victor Canada. |
0 – 20% |
Western General |
0 – 20% |
Wynward Insurance |
0 – 20% |
This commission percentage is paid annually for both new business and renewals.
Should there be a change in the commission schedule we receive from your insurer, or any other material change that affects compensation arrangements, we will update this disclosure accordingly. For us to maintain strong relationships with insurance companies, we work with each to provide the type of business they desire. The Insurance companies with an asterisk (**) noted above recognize our efforts through a Contingent (Profit) Commission (CPC) contract. Payment of the CPC may depend on a combination of growth, profitability / (loss ratio), volume, retention, and increased services that we provide on behalf of the Insurance Company. CPC is not guaranteed, and it is based on the average results over a three-year period and is not related to any one customer or group of customers. Thank you for Choosing Oegema, Nicholson & Associates Insurance Brokers Ltd.
We Work with Canada’s Most Trusted Insurers
Oegema, Nicholson & Associates Insurance,
Ottawa's Choice
What Our Clients Are Saying
Real stories from people who trust
Oegema, Nicholson & Associates Insurance
“One call to Oegema, Nicholson & Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions.”
Jennifer Parks, Stittsville, Ontario
“I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well.”
Charlene Brunet, Butler Group of Company
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