Commission Arrangements

We, Insight Insurance Brokers Limited act as Broker between you, the consumer, and the product provider with whom we place your business.

The background

Pursuant to provision 4.58A of the Central Bank of Ireland’s September 2019 Addendum to the Consumer Protection Code, all Brokers, must make available in their public offices, or on their website if they have one, a summary of the details of all arrangements for any fee, commission, other reward or remuneration provided to the Broker which it has agreed with its product producers.

What is commission?

For the purpose of this document, commission is the payment earned by the Broker for work undertaken on behalf of both the provider and the consumer. The amount of commission is generally directly related to the quantity or value of the products sold.

There are different types of commission models:

Single commission model: where payment is made to the Broker shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed.
Indemnity commission Indemnity commission is the term used to describe a commission payment made before the commission is deemed to be ‘earned’. Indemnity commission may be subject to a clawback (see below) if the consumer lapses or cancels the product before the commission is deemed to be earned.

 

Other forms of indemnity commission are advances of commission for future sales granted to Brokers in order to assist with set up costs or business development.

General insurance products

General insurance products, such as motor, home, travel, health, retail or liability insurance, are typically subject to a single or standard commission model, based on the amount of premium charged for the insurance product.

Profit Share arrangements

In some cases, the Broker may be a party to a profit-share arrangement with a product provider and will earn additional commission. Any business arranged with these product providers on a client’s behalf will be placed with the product provider because that product provider is at the time of placement, the most suitable to meet the client’s requirements, taking all the client’s relevant information, demands and needs into account.

Investments

Investment firms, which fall within the scope of the S.I. 375 of European Communities (Markets in Financial Instruments) Regulations 2017 (the MiFID Regulations), offer both standard commission and commission models involving initial and recurring commission. Increments may be based on a percentage of the investment management fees, or on the value of the fund.

Clawback

Clawback is an obligation on the Broker to repay unearned commission. Commission can be paid directly after a contract is concluded but is not deemed to be ‘earned’ until after a specified period of time. If the consumer cancels or withdraws from the financial product within the specified time, the Broker must return commission to the product producer.

Fees

The firm may also be remunerated by fee by the product producer such as policy fee, admin fee, or in the case of investment firms, advisory fees. Include arrangements etc

Please Note

The enclosed commission guidance section gives indicative values across every product provider and every product advised whereby a commission or fee is received within our business. This is the maximum our Brokerage will take and is subject to change, in certain cases our Brokerage may take a different remuneration than the enclosed percentages/amounts. This will be disclosed to each client as per the Central Bank Consumer Protection Code regulations, on a client by client basis.

Other Fees, Administrative Costs/ Non-Monetary Benefits

The firm may also be in receipt of non-monetary benefits such as:

  • Attendance at product provider seminars
  • Assistance with Advertising/Branding

Further detail on the providers we work with, the products we sell and the maximum commissions available to us are outlined below.

AIG Europe S.A

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
PA/Travel 20%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product
PI Rapidcover 22.50%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard) 20%
PL Rapidcover 17.50%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Com Comb Rapidcover 20%
Cyber Rapidcover 25%
Excess Rapidcover 22.50%
Marine Rapidcover 20%
Office Rapidcover 20%
Prop Own Rapidcover 20%
Shops Rapidcover 15%

Aon Insurance Markets Ireland

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity Insurance AIG 20%
Professional Indemnity Insurance Allianz 20%
Professional Indemnity Insurance Chubb 20%
Professional Indemnity Insurance Dual 27.50%
Professional Indemnity Insurance Irish Public Bodies Mutual Insurance 17.50%
Professional Indemnity Insurance Hiscox 27.50%
Professional Indemnity Insurance Liberty 20%
Professional Indemnity Insurance Zurich 20%
Professional Indemnity Insurance XL Insurance 20%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car (Personal Lines) Chubb 12.50%
Private Motor Insurance Chubb 12.50%


Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Combined Liability Aon 20%
Combined Liability Allied World Assurance Company 20%
Combined Liability Berkshire Hathaway 15%
Combined Liability RSA 25%
Combined Liability Zurich 15%
Directors & Officers Liability – Chubb 25%
Directors & Officers Liability – Hiscox 20%
Directors & Officers Liability – Liberty 20%
Directors & Officers Liability – Travelers 20%
Directors & Officers Liability (Golf) – Travelers 20%
Excess Liability – Chubb 20%
Excess Liability – Liberty 20%
Professional Indemnity Insurance – Allianz 20%
Professional Indemnity Insurance – Chubb 20%
Professional Indemnity Insurance – Dual 27.50%
Professional Indemnity Insurance – Hiscox 27.50%
Professional Indemnity Insurance – Liberty 20%
Professional Indemnity Insurance – XL Insurance 20%
Professional Indemnity Insurance – Zurich 20%
Property Owners Liability – Liberty 17.50%
Public Liability – Irish Public Bodies Mutual Insurance 17.50%
Public/Products Liability – The Underwriting Exchange 13.50%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household Insurance – Hiscox 25%
Household Insurance – Azur Underwriting 25%
Household Insurance – Chubb 25%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Aon Toal Planthire Scheme Commercial Package – Travelers Insurance 12.50%
Combined Directors & Officers and Employment Practices Liability Travelers Insurance 20%
Combined Liability – Aon 20%
Combined Liability – Allied World Assurance Company 20%
Combined Liability – Berkshire Hathaway 15%
Combined Liability – RSA 25%
Combined Liability – Zurich 15%
Commercial Combined Package – Liberty 20%
Commercial Combined Package – AIG 20%
Commercial Combined Package – Aviva 25%
Commercial Combined Package – Axa 20%
Commercial Combined Package – Chubb 20%
Commercial Combined Package – Ecclesiastical 22.50%
Commercial Combined Package – Irish Public Bodies 15%
Commercial Combined Package – Travelers Insurance 16.50%
Commercial Combined Package – XL Insurance 20%
Commercial Combined Package Zurich 25%
Commercial Package – AIG 20%
Commercial Package – Aon UK 28%
Commercial Package – Chubb 20%
Commercial Package NHI – Liberty 20%
Commercial Package – Zurich 11.25%
Commercial Property Policy – Berkshire Hathaway 15%
Commercial Vehicle – Liberty 10%
Commercial Vehicle – Zurich 5%
Computer All Risks – RSA 15%
Computer All Risks – Zurich 15%
Construction Liability Insurance – Liberty 15%
Construction Liability Insurance – XL Insurance 20%
Contractors All Risks Insurance (AW) – Northern Marine 20%
Contractors All Risks Insurance – Liberty 16.50%
Contractors All Risks – Northern Marine 20%
Cyber Liability Insurance – Hiscox 27.50%
Engineering – Aviva 15%
Engineering – Allianz 15%
Engineering – RSA 25%
Environmental Impairment Liability (EIL) – AIG 17.50%
Event Insurance – Hiscox 20%
Excess Public/Products Liability – Allied World 23%
Fine Art Insurance – Axa 20%
Fine Art Insurance – Hiscox 25%
Golf Buggy Insurance – Travelers Insurance 12.50%
Golfers Combined Package – Travelers Insurance 20%
Group Travel – AIG 20%
ICMA : Motor Fleet Insurance – Zurich 10%
ICMA : Private Motor Insurance – Zurich 10%
ICMA: Commercial Vehicle Insurance – Zurich 10%
Machinery Movement – RSA 25%
Marine Insurance (AW) – Northern Marine 25%
Marine Insurance – RSA 18.80%
Medical Malpractise – Hiscox 20%
Motor Fleet Insurance – Liberty 10%
Motor Fleet Insurance Travelers Insurance 12.50%
Motor Trade Road Risks – Travelers Insurance 14%
Motor Trade Road Risks – Zurich 5%
One-Plan Package – Chubb 20%
Personal Accident Insurance – AIG 20%
Personal Accident Insurance – Chubb 30%
Persona; Accident insurance – Travelers 20%
Private Car (Commercial) – Zurich 5%
Property/Business Interruption – Liberty 20%
Real Estate Property & Property Owners Liability – Zurich 20%
Rugby Clubs: Commercial Combined Package – Aviva 22%
Stud & Stable Insurance Package – Aviva 15%
Tennis Commercial Combined Package – Ecclesiastical Insurance 25%

Arachas

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
A/D Fire and Theft 12.50%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Self-Build 10%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 12.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Cleaners 11.25%
Cleaning Contractors 11.25%
Employers Contingent 10%
Security Contractors 12.50%
Recruitment Consultants 12.50%
Public Liability 10%
Trademaster 10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
A/D Fire and Theft 12.50%
Commercial Combined 7.5%
Commercial Combined (Hiscox) 12.5%
Combined Liability 10%
Contractors Works 12.5%
Cyber Security 12.5%
Directors & Officers 10%
Engineering 7.5%
Fleet Insurance 5%
Personal Accident 7.5%
Property Owners 15%

 

Product Commission %

ARAG Legal Protection Ltd

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission €
Commercial 15%

ARB Underwriting Ltd.

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Travel 20%


Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 17.50%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 5%
Motor ARB Ideal 5%


Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
AIG apartment blocks 12.50%
Commercial Combined 15%
Commercial Vehicle 5%
Motor Trade – ARB Motor Trade (COB 150) 7.50%
Motor Trade – ARB Motor Trade (COB 160) 5%
Motor Trade – Commercial Property Motor Trade (Internal) 10%
Commercial Property – JRP Property 15%
Commercial Property – Combined Liability 15%

Aviva Insurance Ltd.

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household 20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission €
Agri Business 15%
Commercial Motor (MV) 5%
Commercial Motor (MZ) 10%
Contract Works 20%
ENG INS – JC 20%
ENG INS – JF Mixed
ENG INS – JM 20%
ENG INS – JP Mixed
Motor Fleet Insurance Mixed
Marine 18.78%
PACKAGES – AO 16%
PACKAGES – AS 16%
PACKAGES – US 15%
Trademark + 15%

AXA Insurance dac

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission €
Car 5%
Motor Cycle 5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Liability Combined 15%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
House 12.5%
Rental 15%

Commercial

Typically for this product, only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed upon by the client(s).

Product Commission %
Agricultural
– Agricultural Vehicles 10%
– Employers Liability 10%
– Public / Products Liability 20%
– Motor Insurance  10%
– All Other Classes 22.5%
Bus 10%
Farmers 17.5%
Commercial Motor (GCV) 10%
Commercial Motor (SPSV) 10%
Fleet Insurance (non Willis Asgard) 10%
Business Combined
– Public / Products Liability 20%
– All Other Classes 22.5%
– Employers Liability 10%
Tradesmen & Professionals 20%
Property Owners Insurance  22.5%
Shop, Office & Surgery 22.5%
Specials 5%

Brady Underwriting

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Business Protect (Retail, Office, Hospitality & Manufacturing) 15%
Admin & underwriting Fees Charged per Policy €20-€50
Event Insure Product 10%
Legal Expenses – Event Insure 10%
Legal Expenses – All other Products 15%

 

Bump Insurance

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 6%

Broker Solutions Ireland

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Holiday Home 12.50%
Home Owner 12.50%
Rented Property 12.50%
Mobile Home 12.50%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Caravan Park 12.50%
Agricultural Vehicles 5%
Horse Boxes 5%
Special Types 5%
Other Commercial (Not specified above) 13%

Catalpa Underwriting Limited

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Motor 10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Liability 10%

Corporate Underwriting

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Carriers Liability 18.775%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Marine Cargo 18.775%
Trailers & Containers 15%

Cover Centre Insurance Ltd.

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Apartment Landlord 15%
Apartment Owner Occupied 15%
Home Shield Holiday Home 15%
Home Shield Rental 15%
Home Shield Rental Bespoke 15%
Kidd Homeworkers 15%
Kidd Air B&B 10%
Kidd Holiday Home 10%
Kidd Mobile/Caravan 10%
Kidd Non-standard 10%
Kidd Unoccupied Property 15%
Kidd Unoccupied Private 10%
Kidd Owner Occupied 15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product  
Light Commercial Vehicle 6%

Dual Underwriting Ireland

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Motor 10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household 10%

Everest Underwriting

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Commercial Combined 17.5%
Property Owners (RE) 17.5%
Property Owners (NB) 20%

Fingal Insurances

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Tree Surgeons/Forestry Liability 10%
ADFT Forestry Liability 10%
Landscapers Liability 10%
Marine, Goods in Transit, Carriers Liability 10%

 

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 10%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Public House Insurance 10%
Private House Insurance 10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Apartment Block 10%
Vacant Building 10%
Special Types 5%
Contractors All Risk 10%
Small Craft Insurance 5%
Property Owners 10%
Self Build Insurance 10%

Hickey Clarke & Langan Ltd.

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household 10%
Household Admin Fee (RE) €20
Mobile Home 10%
Mobile Home Admin Fee (RE) €20

KennCo Underwriting Ltd

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Travel 20%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Motor (Car/Van) 5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household 15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Cyber 12.5%
Commercial 15%
Garage Combined 15%
Medical Malpractice 10%
Motor Trade 5%

Liberty Insurance

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 7.5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household 15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Commercial Vehicle 10%

Marsh Ireland

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Charities 10%
Electrical Contractors 10%
Sports (not including IPB motor) 10%

McDonald, Dwyer, Reddy – Shield

Shield arranges numerous types of insurance products over many individual classes of business for their customers. This business is transacted in Lloyd’s of London with many of its syndicates and with various international insurance companies. As a result, commissions will differ between products and risks and are advised to Insight Insurance prior to inception or renewal of a policy and then specified clearly as your commission on subsequent account statements issued to Insight Insurance.

As a general rule however, we are able to advise that on average the commission Insight Insurance will receive from us will range from between 0% and 15% of the Insurer’s premium but this will be dependent on each risk, the class of business and the insurance provider.

We are aware of the importance to trade in the best interests of our clients and to ensure we do not risk impairing our obligation to satisfy regulatory requirements to avoid a potential conflict of interest arising between us, as well as between you and your clients. Accordingly, we confirm that the commission we offer Insight Insurance is not linked to income volume targets or business retention levels. Furthermore, we can also advise that we do not pay additional remuneration such as fees or other form of remuneration.

We trust this disclosure has satisfied the requirement to publish information for consumers.

Optis Insurances Ltd.

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Self-Build 15%

 

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 20%

 

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Carriers Liability 12.50%
Combined Liability 15%
Equestrian Liability 5%
Public Liability 5%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Commercial Combined 15%
Contractors All Risks 15%
Personal Accident 15%
Property Owners/Real Estate 17.50%
Pub/Restaurant 15%
Pub/Restaurant Admin Fee €100
Shop/Retail 15%
Office 15%
Goods in Transit – €1000 €12
Goods in Transit – €2000 €24
Goods in Transit – €5000 €30.25
Guesthouse 15%

Patrona Underwriting Ltd

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Non-standard Car
Non-standard Van
Private Car

 

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Carriers Liability
Combined Liability 5%
Equestrian Liability
Public Liability

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
ADF&T
AXA Haulage
Commercial Vehicle 5%
Courier – Axa
Courier 7.5%
Equestrian Property (EB) 7.5%
Fleet 7.5%
Horsebox – Axa
Horses
Logistics Combined 10%
Logistics Vehicle 7.5%
Motorsport GIT
Motorsport
Own Goods Vehicle 7.5%
Rental Fleet 7.5%
Special Types – Axa 5%
Special Types 5%
Standard Haulage 7.5%
Unmanned Aircraft
Property Owners
Commercial Combined  10%

Plum Underwriting

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Flex, Let, Retreat, Unoccupied & Retreat 20%
Homeworks 15%
Premier & Amethyst 20%

Prestige Underwriting Services (Ireland) Limited

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Prestige Ireland Non Standard Private Car 8%
Prestige Ireland non Standard Private Car EDI 6%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Prestige Homesafe 15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Amtrust Property ROI 14%
Prestige Ireland Motor Trade 7.5%
Prestige Ireland Non Standard CV 8%
Prestige Manual Product
Prestige ROI Coverall 15%

Securus Insurance Ltd

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
PA/Travel (Chubb) 10%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity (CNA) 10%
Professional Indemnity (AXA XLl) 10%
Professional Indemnity (Chubb) 10%
Professional Indemnity (Citynet) Fee Payable 10%
Professional Indemnity (HCC INTER) 10%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Chubb Masterpiece Motor 5%
HNW Motor – Dual 5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Cyber Liability (Various) 10%
Excess Liability (CNA Hardy) 10%
Excess Liability (Chubb) 10%
Property Owners (Chubb) 10%
Property Owners (Citynet) Fee 10%
Property Owners (Channel Syndicate) 10%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Chubb Masterpiece Household 12.50%
Clinical Trials (Chubb) 10%
Commercial Combined (Chubb) 10%
Commercial Combined (Citynet) Fee 10%
D&O (Chubb) 10%
D&O (HCC) 10%
D&O (HCC) Fee Payable €50
Engineering (HSB) 10%
Event Cancellation (Chubb) 10%
HNW Household – Dual 12.50%
Kidnap & Ransom (Chubb) 10%
Marine Cargo (CNA) 10%
POL – Securus – offline 10%
POL – Offline Fee Payable €50min
POL – Securus – online 15%
POL – Online Fee Payable €50min
Terrorism Cover (Citynet)
Vacant Property (Securus – offline) 10%
Vacant Property (Securus – online) 15%
Vacant Property – (Online) Fee Payable €25

Specialist Underwriting Services Ltd.

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Travel – Business 10%
Travel – Individual 10%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Combined Liability 12.50%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Chip Safe 15%
Gourmet Safe 15%
Property Owners 15%
Shop Safe 15%
Miscellaneous Safe 15%
Personal Accident/Illness 10%

Sertus

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Personal Accident/ Travel 20%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 17.5%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Motor Non Full Cycle 5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Household Non Full Cycle 15%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Carriers Liability 20%
Employers Liability 6%
Public Liability 10%

 

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Apartment/Block of Flats 15%
Cargo 18.8%
Commercial Vehicle 5%
Combined 15%
Contractors All Risks 15%
Engineering 15%
Haulage 5%
Marine 15%
Office 15%
Own Goods 10%
Property 10%
Shop 15%
Traders 20%

Tasker & Partners Ltd

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Commercial Combined 12.5%

Thomond Underwriting Ltd.

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 12.5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Liability 15%

 

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %

Contractors All Risks – Axis Underwriting Ltd via The Fiducia MGA

Co Ltd

12.50%
Contractors All Risks – Great American International Insurance (EU)DAC via Corin Underwriting Ltd 15%
Cyber 12%
Property Owners 15%
Personal Accident/Illness 10%
Material Damage & BI 15%

Travelers Insurance Co Ltd

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Employers Liability (Package) 15%
Employers Liability (Stand Alone) 6%
Management Liability Package 17.5%
Public Liability (Package) 15%
Public Liability (Stand Alone) 10%
Technology E&O and Cyber Liabilities 20%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Motor Fleet 5%
Motor Trade Road Risks 5%
Property Covers 15%

Wrightway Underwriting Ltd.

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 5%
Private Car / Light Commercial Vehicle 5%

Liability

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Carriers Liability 10%
Haulage Liability 8%
Trades Liability 12%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
House 17.50%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product  
ADF&T 10%
Trailer ADF&T 10%
Breakdown Assistance 5%
Engineering inspection 15%
Haulage Fleet (FV) 10%
Haulage Fleet (WF) 5%
Haulage Property 8%
Haulage Single Vehicle (TP) 10%
Haulage Single Vehicle (TR) 5%
Haulage Single Vehicle (WT) 5%
Mini Fleet 10%
Multi Vehicle 5%
Special Types 5%
Traders Transit 5%

XS Direct Ins. Brokers Ltd.

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 5%

Zurich Insurance Plc.

Travel Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Annual Travel Policy 15%
Group Personal Accident Travel 15%
Personal Accident Travel Pol. 15%

Professional Indemnity

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Professional Indemnity 15%

Personal Motor

Typically for this product only an annualised commission or fee is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s)

Product Commission %
Private Car 5%

Home and Contents Insurance

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Broker Household 15%
Broker Household DA 20%
Combined Caravan/Mobile Home 15%
Household 15%
Household DA 20%
Private Dwelling House Policy 15%

Commercial

Typically for this product only an annualised commission is paid out. There can be cases whereby an additional admin or service fee is required, which is disclosed and agreed by the client(s).

Product Commission %
Apartment Block Policy 15%
Building in the Course of Erection 15%
Combined Property Policy 12.5%
Combined Property Policy 15%
Commercial Combined Policy 15%
Commercial Liability Policy (E.L) 6%
Commercial Liability Policy (P.L) 10%
Commercial Liability Policy (Products) 10%
Commercial Motor Vehicle 5%
Computer All Risks” Policy” 15%
Contractors All Risks” Policy” 15%
Engineering Policy 15%
Farm Fire Policy 12.50%
Farm Policy 12.50%
Fidelity Policy 15%
Fleet Motor Vehicle 5%
Guest House All In” Policy” 15%
Legal Expenses 25%
Marine Policy 17.50%
Mini Fleet Vehicle 5%

 

Miscellaneous Bonds Policy

15%
Motor Traders Combined (MIA &MIB 10%) 5%
Motor Traders Internal Policy 10%
Office Policy 15%
Private All Risks” Policy” 15%
Personal Accident Policy 15%
Group Personal Accident 15%
Personal Accident Road & Rail 15%
Residential Care Home Policy 15%
Shops Policy 15%
Small Craft/ Yacht Policy 15%
Tradestar Office 15%
Tradestar Property Owners 15%
Tradestar Shop 15%

Why you should talk to us first

  • Tailored insurance solutions for your business
  • We actively monitor insurers premium levels DAILY to ensure cost competitiveness for you
  • Management of Insurances by highly trained and qualified personnel
  • Complete access to proven insurance providers in Ireland, the UK and Europe.
  • We are fully regulated by the Central Bank of Ireland

Tel | +353 21 4299002    Fax | +353 21 4299012    Email | info@insightinsurance.ie

Building 6500, Avenue 6000, Cork Airport Business Park, Cork

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