In order for us to maintain strong relationships with quality insurers, we work with each to provide the type of business they desire. Two of our insurers, (Intact Insurance and Gore Mutual Insurance), recognize our efforts through a Contingent (Profit) Commission contract (CPC). Payment of this CPC depends on a combination of growth, profitability, volume, retention and increased services that we provide on behalf of the insurer. It is based on our entire portfolio with that insurer and not on individual policies. CPC is not guaranteed. From time to time, our insurers may offer sales contests, assistance with marketing and on occasion, invitations to sales conferences. We encourage you to review the commitments made by the insurance industry and individual companies by consulting their respective websites. Over the years, we’ve partnered with various insurers to grow our business. Partnerships take various forms ie: loans for acquisitions and or marketing dollars for advertising campaigns. In the interest of transparency we currently have interest-bearing financing at market rates provided by 9289-3932 Quebec Inc., an affiliate of Intact Insurance Company.