Acceptance of Conditions
By accessing and browsing this Website, visitors accept, without limitation or qualification, the Terms and Conditions contained below and all applicable laws. Billyard Insurance Group Inc. may at any time revise these Terms and Conditions by updating this posting. Users agree to be bound by such revisions, and should periodically revisit this page to review the current Terms and Conditions.
Information Accuracy
Although the contents of this Website are deemed reliable when posted, Billyard Insurance Group Inc. cannot guarantee this information to be current, accurate or complete. The information is subject to modification and updating from time-to-time without notice.
Content
The information on this Website is not intended to provide professional advice including, without limitation, financial, legal, accounting or tax advice, and should not be relied upon in this regard.
Product Availability
The products and services referred to on this Website may not be available in all geographic regions. All products and services provided by the participating suppliers on the Billyard Insurance Group Inc. Website are subject to the terms, conditions and limitations of each supplier and subject to change without notice.
Copyright & Trademarks
All contents of this Website are the copyright of Billyard Insurance Group Inc. and are protected under the copyright laws of Canada and other countries. All rights reserved. In addition, certain information on this Website may be copyrighted by others. The information on this Website may not be reproduced, or distributed for any other purpose in whole or in part without the prior written consent of Billyard Insurance Group Inc.. Any infringement of Billyard Insurance Group Inc.’s rights will result in appropriate legal action.
Hypertext Links
This website facilitates other Worldwide Web sites via hypertext links. These hypertext links are entirely independent of Billyard Insurance Group Inc. and shall NOT in any manner be construed as any reflection on or any affiliation with or endorsement of such site or entity or its respective products, services or contributions to this Website.
Billyard Insurance Group Inc. does not frequently review linked Websites. The right to reproduce and use the content linked from Billyard Insurance Group Inc. to other Websites is (1) subject to the conditions that the respective owners may impose, and (2) is at your own risk.
In general, you may reproduce these pages for the purpose of browsing them, or providing hypertext links to them, provided you do not retain these pages in any form of fixed, non-volatile storage after your session of browsing. These permissions may be withdrawn at any time without notice.
Billyard Insurance Group Inc. will not accept transactions or instructions by Internet email messages. However, questions of a general nature or inquiries may be communicated by sending us an email.
Any communication transmitted to us by electronic means becomes the property of Billyard Insurance Group Inc. or its affiliates and may be used for any purpose. Billyard Insurance Group Inc. is free to use any idea contained in any communication sent to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.
Liability
Billyard Insurance Group Inc., its shareholders, affiliated companies, its officers, directors, employees or any persons associated with the creation of this Website, are NOT responsible in any manner whatsoever for any harm, loss or damage that may arise in connection with or through the use of this Website including, without limitation, any direct, indirect, special, third party or consequential damages, howsoever caused.
By accessing and browsing this Website, visitors agree that the laws of Ontario and Canada apply to any issue that might arise with Billyard Insurance Group Inc. regarding this site, and to settle such dispute in the courts of Ontario.
Legal Statement
The insurance quotes being provided by The Billyard Insurance Group Inc. are based on the information you, the user, provide and the underwriting criteria of our participating companies. All quotes are subject to verification by our insurance suppliers. Please ensure that all information provided is accurate in order to avoid delay or denial of coverage.
In the event that there are any discrepancies between the quotes being provided by this system and the quotes established by our insurance suppliers based on the same information, the quotes established by our insurance suppliers shall govern.
If you or any persons listed on your application for insurance have been previously convicted of insurance fraud, all insurance providers listed on the Billyard Insurance Group Inc. website reserve the right to refuse to issue an insurance contract based on this fact.
The benefits and services provided through this website are subject to the terms, conditions and limitations of the applicable agreement(s) governing them.
Disclosure
Thank you for being our client. We value the trust you have placed in us as your insurance broker; and we will do everything possible to continue to earn your confidence and goodwill. Our goal is to arrange appropriate insurance protection for you, combining expert advice with coverage tailored to your needs as well as ongoing policy maintenance and claims support.
How we get paid for our services:
For the insurance services we provide to you, we receive a percentage of your annual insurance premium as a commission, paid to us by your Insurance Company. Our typical commission is 12.5% on Ontario Automobile Insurance Policies and 20% on Personal and Commercial Property Policies. This commission percentage is paid to us, each policy term, for both new policies and renewals. Additionally, we have contingent profit agreements in place with several of the insurers we represent. With these agreements we may qualify for additional compensation if we meet certain requirements related to growth, retention and loss ratios.
Billyard Insurance Group is privately owned, and completely independent. There is no direct or indirect ownership interest by any Insurance Company or financial institution. There are no conflicts of interest in our relationship with you, our compensation structure does not factor into the insurance advice we provide to you, our recommendations are always based on our best understanding and assessment of your needs.
Full Compensation List:
Full compensation list here.
For more detailed information, feel free to contact us.
Principles of Conduct for Insurance Intermediaries:
In accordance with The Canadian Insurance Services Regulatory Organization (CISRO) Principles of Conduct for Insurance Intermediaries, as well as the Registered Insurance Brokers of Ontario (RIBO) guidelines, Billlyard Insurance Group adheres to the expectations for professional behaviour and conduct responsibilities outlined in the CISRO Principles Document. Please refer to this document as well as the “About Your Insurance Broker” Fact Sheet to better understand the obligations Billyard Insurance Group is committed to as your Insurance Broker.