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    Premier Insurances

    Our Charges

    We, Parish Life Ltd t/a Premier Insurances 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.

    We are remunerated by commission and other payments from product producers. When assessing products, we will consider the different approach taken by product providers in terms of them integrating sustainability risks into their product offering. This will form part of our analysis for choosing a product provider.

    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.
    Recurring commission model: For Pensions, Savings & Investments recurring commission refers to further payments at intervals that are paid throughout the life span of the product & may be based on a percentage of the value of the fund or the annual premium.

    For Protection products recurring commissions refers to further payments at intervals that are paid throughout the life span of the product & are based of the annual premium.
    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.

    Life Assurance/Investments/Pension products

    For Life Assurance products commission is divided into initial commission and Recurring Commission (related to premium)

    Recurring Commission is the ongoing remuneration facilitated on a financial advice product to allow for the ongoing service, administration & review processes that are linked to financial advice for Protection, Pensions, Investments & Savings products. Recurring commission can also be described as trail or fund based renewal commission on Pensions/Investments/Savings, or renewal commission on Protection. Where an investment fund is being built up though an insurance-based investment product or a pension product, the increments may be based on a percentage of the value of the fund or the annual premium. For a single premium/lump sum product, the increment is generally based on the value of the fund.

    Examples of products include Life Protection, Regular Premium Life Assurance Investments, Single Premium (lump sum) Insurance-based Investments, and Single Premium Pensions.

    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.

    Credit Products/Mortgages

    Commission may be earned by Brokers for arranging credit for consumers, such as mortgages. The single, or standard, commission model is the most common commission model applied to the sale of mortgage products by mortgage credit Brokers (Mortgage Broker).

    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).

    ProductCommission %
    PA/Travel20%

    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)

    ProductCommission %
    PI20%
    PI Rapidcover25%
    Professional Indemnity20%
    Professional Indemnity20%
    Professional Indemnity20%
    Professional Indemnity20%
    Professional Indemnity20%

    Personal Accident 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).

    ProductCommission %
    Personal Accident20%

    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).

    ProductCommission %
    Cyber Liability20%
    D&O, Crime, PTL, EPL, Entity17.5%
    D&O, Crime, PTL, EPL, Entity Rapidcover (Bus Guard)20%
    Directors and Officers20%
    EL6%
    Employers Liability6%
    Environmental Liability18%
    Excess Liability22.5%
    PL10%
    PL Rapidcover20%
    Products Liability10%
    Public Liability10%
    Transit Liability12%

    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).

    ProductCommission %
    Fire Schedule12%
    Fire/Perils12%

    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).

    ProductCommission %
    Agricultural Vehicle5%
    Com Comb Rapidcover20%
    Commercial Combined25%
    Computer15%
    Contractors Works15%
    Crisis Management25%
    Cyber20%
    Cyber Rapidcover25%
    Directors and Officers15%
    Driving Instruction10%
    Driving Testers10%
    Engineering Insurance Inspection15%
    Excess10%
    Excess Rapidcover25%
    Glass15%
    Goods in Transit18%
    Horses15%
    Instructor Vehicle10%
    Livestock15%
    Loss of Profits12%
    Marine20%
    Money15%
    Multi Risk5%
    Office Rapidcover20%
    Prop Own Rapidcover20%
    Property15%
    Property Damage10%
    Shop15%
    Shopkeepers15%
    Shops Rapidcover20%
    Terrorism15%
    Theft15%

    Aiken Insurances Limited


    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)

    ProductCommission %
    Professional Indemnity10%

    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)

    ProductCommission %
    Personal Lines15%

    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).

    ProductCommission %
    Liability & Excess Liability15%

    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).

    ProductCommission %
    Household15%

    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).

    ProductCommission %
    Commercial combined15%
    Motor (Incl Fleet/Trade etc.)5%
    Property Owners10%
    Tour Operators15%
    Unoccupied Properties15%

    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)

    ProductCommission %
    Professional Indemnity Insurance Dual15%
    Professional Indemnity Insurance Hiscox10%
    Professional Indemnity Insurance Irish Public Bodies Mutual8%
    Professional Indemnity Insurance Liberty10%
    Professional Indemnity Insurance XL Insurance10%
    Professional Indemnity Insurance XL Insurance10%
    Professional Indemnity Insurance Zurich10%

    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)

    ProductCommission %
    Private Car (Personal Lines) Chubb5%
    Private Motor Insurance Chubb5%

    Personal Accident 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).

    ProductCommission %
    Personal Accident & Illness AIG10%
    Personal Accident Insurance Chubb20%

    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).

    ProductCommission %
    Combined Liability11%
    Combined Liability Berkshire Hathaway10%
    Combined Liability Zurich10%
    Directors & Officers Liability - Golf Travelers Insurance10%
    Directors and Officers Liability Travelers Insurance10%
    Employers Liability Irish Public Bodies Mutual8%
    Excess Liability Liberty10%
    Professional Indemnity Insurance Chubb10%
    Property Owners Liability15%
    Public Liability Irish Public Bodies Mutual8%

    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).

    ProductCommission %
    Household10%
    Household Insurance Azur Underwriting12%
    Household Insurance Chubb12%

    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).

    ProductCommission %
    Aon Toal Planthire Scheme - Commercial Package Travelers Insurance5%
    Combined Directors & Officers and Employment Practices Liability Travelers Insurance12%
    Combined Liability Allied World10%
    Combined Liability Aon UK8%
    Combined Liability RSA15%
    Combined Traders8%
    Commercial Combined10%
    Commercial Combined Package Axa10%
    Commercial Combined Package Barbican10%
    Commercial Combined Package Chubb10%
    Commercial Combined Package Ecclesiastical Insurance Office plc12.5%
    Commercial Combined Package Hiscox10%
    Commercial Combined Package Irish Public Bodies Mutual7.5%
    Commercial Combined Package Liberty10%
    Commercial Combined Package Travelers Insurance8%
    Commercial Combined Package XL Insurance10%
    Commercial Combined Package Zurich13%
    Commercial Package - NHI Liberty10%
    Commercial Package AIG10%
    Commercial Package Aon UK15%
    Commercial Package Chubb10%
    Commercial Package Zurich4.5%
    Commercial Property Policy Berkshire Hathaway10%
    Commercial Vehicle Liberty5%
    Commercial Vehicle Zurich-
    Computer All Risks RSA7.5%
    Computer All Risks Zurich7.5%
    Construction Liability Insurance Liberty10%
    Construction Liability Insurance XL Insurance10%
    Contractors All Risks Insurance (AW) Northern Marine10%
    Contractors All Risks Insurance Liberty10%
    Contractors All Risks Northern Marine10%
    Cyber Liability Insurance Hiscox10%
    Cyber with Beazley20%
    Directors & Officers Liability Chubb25%
    Directors & Officers Liability Hiscox-
    Directors & Officers Liability Liberty10%
    Directors and Officers Liability Liberty10%
    Engineering Aviva7.5%
    Engineering RSA10%
    Environmental Impairment Liability (EIL) AIG7.5%
    Event Insurance Hiscox10%
    Excess Liability10%
    Excess Liability Insurance Chubb10%
    Excess Public/Products Liability Allied World12%
    Fine Art Insurance Axa5%
    Fine Art Insurance Hiscox-
    Golf Buggy Insurance Travelers Insurance-
    Golfers Combined Package Travelers Insurance10%
    Group Travel AIG13%
    Household Insurance12%
    ICMA : Motor Fleet Insurance Zurich-
    ICMA : Private Motor Insurance Zurich-
    Machinery Movement RSA10%
    Marine Insurance (AW) Northern Marine10%
    Marine Insurance RSA12.5%
    Medical Malpractise Hiscox10%
    Motor Fleet Insurance Liberty5%
    Motor Fleet Insurance Travelers Insurance5%
    Motor Fleet Zurich-
    Motor Trade Road Risks Travelers Insurance7%
    Motor Trade Road Risks Zurich-
    Multi Risk7.5%
    One-Plan Package Chubb10%
    Personal Accident Insurance10%
    Private Car (Commercial) Zurich-
    Property Owners15%
    Property Owners Liability Liberty12.5%
    Property/Business Interruption Liberty10%
    Public/Products Liability The Underwriting Exchange6.75%
    Real Estate Property & Property Owners Liability Pkg10%
    Rugby Clubs : Commercial Combined Package Aviva15%
    Stud & Stable Insurance Package Aviva8%
    Tennis Commercial Combined Package Ecclesiastical Insurance Office plc12.5%

    Arachas Corporate Brokers


    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)

    ProductCommission %
    Motor Damage10%

    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).

    ProductCommission %
    Public Liability15%

    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).

    ProductCommission %
    Caravan15%
    Caravan10%
    Holiday Home10%
    Household15%
    Mobile Home10%
    Mobile Home15%

    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).

    ProductCommission %
    Commercial Combined15%

    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).

    ProductCommission %
    Travel20%

    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)

    ProductCommission %
    Professional Indemnity18%

    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)

    ProductCommission %
    Motor ARB Ideal8%
    Private Car5%
    Road risk10%
    vehicle5%

    Personal Accident 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).

    ProductCommission %
    Personal Accident20%

    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).

    ProductCommission %
    AIG apartment blocks12.5%
    Commercial Combined15%
    Commercial Vehicle5%
    Hackney5%
    Motor Trade10%
    Motor Trade - ARB Motor Trade (COB 150)8%
    Motor Trade - ARB Motor Trade (COB 160)5%
    Motor Trade - Commercial Property Motor Trade Internal)10%
    Motor Trade - Commercial Property SS MTIR10%
    Property Owners15%
    Shopkeepers15%
    Surestone MTIR policies10%
    Taxi5%

    Aviva Insurance 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)

    ProductCommission %
    Professional Indemnity15%
    Professional Indemnity15%

    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)

    ProductCommission %
    Caravan15%
    Motor Contingency15%
    Multi Vehicle5%
    Private Car7.5%

    Personal Accident 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).

    ProductCommission %
    Personal Accident20%

    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).

    ProductCommission %
    Combined Liability10%
    Combined Liability9%
    Employers Liability6%
    Products Liability10%
    Public Liability10%
    Transit Liability18%
    Transit Liability12%
    Warehouse Liability10%

    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).

    ProductCommission %
    Household17.5%

    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).

    ProductCommission %
    Admin Bond20%
    Agricultural Vehicle5%
    All Risks10%
    All Risks15%
    Bond10%
    Claims Management10%
    Commercial Combined15%
    Commercial Vehicle10%
    Computer15%
    Contractors Works15%
    ENG INS - JC15%
    ENG INS - JF15%
    ENG INS - JM15%
    ENG INS - JP15%
    Engineering Business Interuption15%
    Engineering Insurance Inspection15%
    Farmers Combined15%
    Fidelity Guarantee15%
    Fire Schedule12%
    Fire/Perils15%
    Fleet Insurance5%
    Glass15%
    Goods in Transit18%
    Horses15%
    Internal Risks10%
    Livestock15%
    Loss of Licence10%
    Loss of Profits12%
    MARINE15%
    Marine18%
    Marine: Small Craft15%
    Money15%
    Motor Traders5%
    Multi Risk5%
    Office Combined15%
    PACKAGES - AO16%
    PACKAGES - AS16%
    PACKAGES - US15%
    Property Damage10%
    Property Owners20%
    Self Build15%
    Shop15%
    Shopkeepers15%
    Special Types5%
    Surgery Insurance15%
    Theft15%
    Traders Combined15%

    Aviva Life & Pensions Ireland DAC


    Term Life Protection

    A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Term Protection140%22%24

    Single Premium PRSA

    ProductInitial %Recurring %
    Single Premium PRSA4%0.5%

    Specified Illness

    A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Specified140%22%24

    Savings

    The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Savings15.25%1%48

    Pension Term

    A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Pension Term140%22%24

    Personal Retirement Savings Account RP (PRSA)

    A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Regular Premium PRSA22.75%0.5%48

    Personal Retirement Bond (PRB)

    The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    PRB5.5%1%

    Mortgage Protection

    A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Mortgage Protection140%22%24

    Income Protection

    An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Income Protection200%30%48

    Investment

    An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    Investments5.5%1%

    Group Life Protection

    ProductInitial %Recurring Commission %
    Group Life6%6%

    Group Income Protection

    ProductInitial %Recurring Commission %
    Group IP12.5%12.5%

    Defined Contribution Pension

    A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Regular Premium pension20%1.25%48
    Single premium pension5.5%1%-

    Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

    An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

     

    ProductInitial %Recurring Commission %
    ARF5.5%1%

    Annuity

    The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %
    Annuity3%

    AXA Insurance dac


    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).

    ProductCommission %
    Travel25%

    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)

    ProductCommission %
    Professional Indemnity15%

    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)

    ProductCommission %
    Car10%
    Caravan15%
    Motor10%
    Motor Contingency15%
    Multi Vehicle5%
    Private Car10%
    Van5%

    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).

    ProductCommission %
    Employers Liability6%
    Liability15%
    Liability15%
    Products Liability10%
    Public Liability10%
    Transit Liability12%

    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).

    ProductCommission %
    Holiday Home20%
    House20%
    Household20%
    Household20%

    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).

    ProductCommission %
    Apartment Block Insurance10%
    Commercial Combined20%
    Commercial Vehicle5%
    Commercial Vehicle5%
    Farm17.5%
    Fire/Perils12%
    Fleet Insurance5%
    Glass15%
    Guest House10%
    Hackney10%
    Hackney5%
    Motor Traders5%
    Multi Risk5%
    Office Combined15%
    Property Damage10%
    Property Owners10%
    Shop/Office/Surgery20%
    Shopkeepers15%
    Shopkeepers20%
    Tractor/Agri5%
    Tradesmen and Professionals15%

    Benchmark 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)

    ProductCommission %
    Professional Indemnity20%

    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).

    ProductCommission %
    Holiday Home15%
    Household15%
    Household15%

    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).

    ProductCommission %
    Commercial Combined20%
    Office/Shop15%
    Property Owners20%
    Traders Combined15%

    Blue Insurances 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).

    ProductCommission %
    Travel15%
    Travel - Unions10%
    Travel - White Label20%
    Travel - Wholesale30%

    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)

    ProductCommission %
    Car Hire Excess20%
    Motor Breakdown20%

    Brady Underwriting


    Personal Accident Plan

    ProductCommission %
    PERSONAL ACCIDENT15%

    Personal Accident 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).

    ProductCommission %
    Personal Accident15%

    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).

    ProductCommission %
    Business Protect (Retail, Office, Hospitality & Manufacturing)15%
    Business protect15%
    Eventinsure10%
    Eventinsure Product10%
    Legal Expenses10%

    Broker Options


    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).

    ProductCommission %
    Travel Insurance15%

    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)

    ProductCommission %
    Professional Indemnity10%

    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)

    ProductCommission %
    Motor Excess Insurance15%

    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).

    ProductCommission %
    Combined Liability15%
    Combined Tradesmen Liability10%
    Cyber Liability10%
    Liability15%
    Public Liability15%

    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).

    ProductCommission %
    Hearing Aid Insurance15%
    Unoccupied Properties15%

    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).

    ProductCommission %
    Apartment Block10%
    BSS Holiday Home Scheme10%
    BSS Landlord Rental Scheme10%
    Commercial Combined Risks10%
    Contractors All Risk Scheme10%
    Contractors Liability15%
    Directors & Officers10%
    Directors & Officers Insurance10%
    Event Insurance10%
    Leisure Risks10%
    Liability10%
    Office Combined10%
    Organisers Liability15%
    Property10%
    Property Owners Risks10%
    Specialist Risk Business15%
    Tradesmen Insurance15%
    Unoccupied Risks10%

    Patrona t/a 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)

    ProductCommission %
    Private Car5%

    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)

    ProductCommission %
    Motor10%

    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).

    ProductCommission %
    Liability10%

    Citynet Insurance Brokers 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).

    ProductCommission %
    Combined Liability10%
    Employers Liability7.5%
    Public Liability12.5%

    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).

    ProductCommission %
    All types10%
    Property Damage12.5%

    Corporate Underwriting 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).

    ProductCommission %
    Carriers Liability19%

    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).

    ProductCommission %
    Apartment Landlord15%
    Apartment Owner Occupied15%
    HOUSEHOLD15%
    Homeshield Rental15%
    Kidd Endeavour15%
    Kidd High Net Worth15%
    Kidd Holiday Home15%
    Kidd Homeworker15%
    Kidd Mobile Home Fixed Site10%
    Kidd Non-standard Construction10%
    Kidd Touring Caravan10%
    Kidd Unoccupied10%
    Kiddsure Select15%

    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).

    ProductCommission %
    Light Commercial Vehicle10%

    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).

    ProductCommission €Commission %
    Commercial Legal Expenses€24.5925%
    EL Policy-6%

    Dolmen Insurance Brokers 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).

    ProductCommission %
    Professional Indemnity10%

    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).

    ProductCommission %
    Amethyst10%
    Dolmen SI (Sums Insured) Home15%
    Dolmen SI (Sums Insured) Residential15%
    Flex10%
    Holiday Home15%
    Household15%
    Premier10%
    Unoccupied (via Relay & Direct)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).

    ProductCommission %
    Contractors All Risks12.5%
    Directors & Officers20%
    Event Insurance10%
    Homeworks12.5%
    Land Liability15%
    Property Owners15%
    Property Works12.5%

    FBD Insurance Plc.


    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)

    ProductCommission %
    Motor Contingency5%
    Multi Vehicle5%

    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).

    ProductCommission %
    Combined Liability9%
    Employers Liab Only6%
    Employers Liability6%
    Employers and Public Liability10%
    Public Liab & Employers Liab10%
    Public Liab Only10%
    Public Liability10%

    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).

    ProductCommission %
    Holiday Home15%
    Home15%
    Household20%
    Property20%
    Property20%

    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).

    ProductCommission %
    All Others Guesthouse Fire /Theft Accidental Damage15%
    Comm Combined20%
    Comm Mtr5%
    Commercial Combined15%
    Commercial Combined20%
    Commercial Combined20%
    Commercial Motor5%
    Farmers Combined15%
    Farming and Growing Trees20%
    Fire/Perils15%
    Fleet Insurance5%
    Fleet Mtr & Motor Traders Road Risk10%
    Guest House - Fire/ Theft/ Accidental Damage15%
    Motor Fleet/Motor Trade/ Road risk10%
    Multi Risk5%
    Other Motor (Tractor)5%
    Property Owners20%
    Shopkeepers15%

    Footprint Underwriting 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)

    ProductCommission %
    Motor GI Business7.5%
    Private Car7.5%

    Friends First


    Single Premium PRSA

    ProductInitial %Recurring %
    Single Premium PRSA7.5%0.25%

    Savings

    The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Savings10%0.75%48

    Personal Retirement Savings Account RP (PRSA)

    A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Regular Premium PRSA17.5%0.25%48

    Investment

    An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    Investments5%0.75%

    Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

    An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

     

    ProductInitial %Recurring Commission %
    ARF5%0.75%

    Frost 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).

    ProductCommission %
    Self Build Policy15%

    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).

    ProductCommission %
    Household10%

    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).

    ProductCommission %
    All policy types10%

    Hive Insurance


    Personal Accident Plan

    ProductCommission %Clawback Period (Months)
    Personal Accident Plan22.5%12
    Sports Accident Plan22.5%12

    Medical Cash Plan

    ProductInitial %Clawback Period (Months)
    Medical Cash Plan40%12

    Accident, SIC & hospital plan

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Accident, Sickness & Hospitalisation Plan20%20%12

    Irish Life Assurance plc


    Whole of Life Protection

    The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Whole of Life100%28%60

    Term Life Protection

    A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Term Protection100%28%60

    Single Premium PRSA

    ProductInitial %Recurring %
    Single PRemium PRSA5%0.75%

    Specified Illness

    A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Specified100%28%60

    Savings

    The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Savings5.5%0.5%5.5%48

    Pension Term

    A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Pension Term100%15%60

    Personal Retirement Savings Account RP (PRSA)

    A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium PRSA17.5%0.5%5%48

    Personal Retirement Bond (PRB)

    The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    PRB5%0.75%

    Mortgage Protection

    A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Mortgage Protection100%28%60

    Income Protection

    An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Income Protection120%30%60

    Investment

    An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    Investments5%0.5%

    Group Life Protection

    ProductInitial %Recurring Commission %
    Group Life6%6%

    Group Income Protection

    ProductInitial %Recurring Commission %
    Group IP12.5%12.5%

    Defined Contribution Pension

    A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium pension17.5%0.5%5%48
    Single premium pension5%0.75%--

    Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

    An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

     

    ProductInitial %Recurring Commission %
    ARF5%0.75%

    Annuity

    The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %
    Annuity3%

    iSure Underwriting 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).

    ProductCommission %
    All risks over 5k-
    Commercial Combined16%
    Property Owners20%
    Shops15%
    Tradesman15%
    Unoccupied Property Owners15%

    KBIS Limited


    Personal Accident 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).

    ProductCommission %
    Personal Accident Insurance10%

    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).

    ProductCommission %
    Combined Liability10%
    Combined Liability insurance10%
    Farriers Liability Insurance10%

    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).

    ProductCommission %
    Household Insurance10%

    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).

    ProductCommission %
    Combined Property Insurance10%
    Equestrian Establishment Property Insurance10%
    Masterplan10%

    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).

    ProductCommission %
    Travel15%

    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)

    ProductCommission %
    Professional Indemnity15%

    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)

    ProductCommission %
    Motor Policies15%
    Private Car5%
    Private Motor Choice7%
    Private Motor Unique5%

    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).

    ProductCommission %
    Combined Liability15%

    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).

    ProductCommission %
    Home - Choice15%
    Home - Rental15%
    Home - Unique15%
    Household Policies15%

    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).

    ProductCommission %
    Commercial Combined15%
    Commercial Vehicle7.5%
    Hackney7.5%
    Motor Policies15%
    Motor Trade Policies5%
    Property Owners15%

    Liberty Seguros


    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)

    ProductCommission %
    Private Car10%
    Private Car10%

    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).

    ProductCommission %
    Household20%

    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).

    ProductCommission %
    Commercial Combined15%
    Commercial Vehicle9%
    Fleet Insurance8%
    Hackney5%

    MIS 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).

    ProductCommission %
    Travel25%

    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)

    ProductCommission €Commission %
    MOTOR EXCESS=€15-
    Motor Extra Benefits-45%

    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).

    ProductCommission %
    ROI Owner Occupied20%
    ROI Residential Let25%

    New Ireland Assurance Company plc


    Term Life Protection

    A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Term Protection200%3%60

    Single Premium PRSA

    ProductInitial %Recurring %Clawback Period
    Single Premium PRSA7%0.5%60

    Specified Illness

    A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Specified200%3%60

    Savings

    The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Savings10%0.5%2.5%60

    Pension Term

    A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Pension Term200%3%60

    Personal Retirement Savings Account RP (PRSA)

    A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium PRSA5%0.5%6%60

    Personal Retirement Bond (PRB)

    The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    PRB5%1%60

    Mortgage Protection

    A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Mortgage Protection200%3%60

    Income Protection

    An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Income Protection200%3%60

    Investment

    An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Investments4%1%36

    Group Life Protection

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Group Life15%0%12

    Group Income Protection

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Group IP20%0%12

    Defined Contribution Pension

    A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium pension25%1%8%60
    Single premium pension5%1%-60

    Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

    An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

     

    ProductInitial %Recurring Commission %
    ARF5%1%

    Annuity

    The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %
    Annuity3%

    OBF Insurance Group 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).

    ProductCommission %
    Holiday Home12%
    Household12%
    Mobile Home12%

    O'Driscoll O'Neil


    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).

    ProductCommission %
    Travel/Personal Accident - Crispin Speers & Partners Ltd15%

    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
    Classic Car - Aviva Insurance Limited

    Personal Accident 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
    Soccer Personal Accident - Aviva Insurance Limited

    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).

    ProductCommission %
    COMBINED LIABILITY7.5%
    Combined Liability -Sportscover-
    PUBLIC LIABILITY7.5%

    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).

    ProductCommission %
    ALL RISKS7.5%
    ALL RISKS7.5%
    COMBINED ALL RISKS7.5%
    COMBINED TRADERS10%
    COMMERCIAL COMBINED10%
    Commercial Combined - Hiscox SA15%
    Commercial Combined - XL Insurance Company SE15%
    Legal Protection ARC Legal Assistance Ltd15%
    Property Owners Commercial Combined - Swiss Re Corporate Solutions15%

    Optis Insurances 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)

    ProductCommission %
    P.I20%

    Personal Accident 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).

    ProductCommission %
    Personal Accident15%

    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).

    ProductCommission %
    Combined Liability15%
    ELPL15%

    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).

    ProductCommission %
    Commercial Combined15%
    Contractors All Risks15%
    Office15%
    Property Owner17.5%
    Pub/Restaurant15%
    Real Estate17.5%
    Self Build15%
    Shop15%
    Shopkeepers15%

    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)

    ProductCommission %
    Non-standard Car5%
    Non-standard Van5%
    Private Car5%

    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).

    ProductCommission %
    Carriers Liability10%
    Combined Liability5%
    Contractors Liability15%
    Equestrian Liability5%
    Public Liability5%

    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).

    ProductCommission %
    Holiday Home15%
    Household15%

    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).

    ProductCommission %
    ADF&T10%
    AXA Haulage5%
    All Risks15%
    Commercial Combined MGAM15%
    Commercial Combined- Gefion15%
    Commercial Vehicle5%
    Courier - Axa5%
    Engineering15%
    Fleet5%
    Fleet Risk Fix5%
    Flexi Fleet5%
    Horse Box - Axa5%
    Logistics Combined15%
    Logistics Combined - Gefion15%
    Logistics Combined MGAM15%
    Logistics HGV - Gefion5%
    Logistics HGV AXA5%
    Logistics Vehicle5%
    Own Goods Vehicle5%
    Rental Fleet5%
    Single Vehicle Courier Axa5%
    Single Vehicle Courier Gefion5%
    Special Types5%
    Special Types - Axa5%
    Standard Haulage5%
    Transport Fleet5%
    Unmanned Aircraft7.5%

    Pen Underwriting 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).

    ProductCommission %
    Commercial Vehicle5%
    Commerical20%
    Commerical Combined10%
    Motor Fleet10%

    Prestige Underwriting Services (Ireland) Limited


    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)

    ProductCommission %
    Professional Indemnity5%

    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)

    ProductCommission %
    Octane Ireland Motor5%
    Octane Ireland Motor EDI5%
    Prestige Ireland Private Motor5%
    Prestige Personal Portfolio (Home, Motor & New NI Motor)-
    Private Car5%

    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).

    ProductCommission %
    Combined Liability10%
    Combined Liability15%
    Public Liability10%

    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).

    ProductCommission %
    Holiday Home15%
    Household15%
    Prestige Homesafe15%

    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).

    ProductCommission %
    Amtrust Property ROI14%
    Commercial Combined15%
    Commercial Vehicle5%
    Prestige Ireland Motor Trade15%
    Prestige Ireland Non Standard CV5%
    Prestige Manual Product-
    Shopkeepers15%

    Robertson Low Insurances 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)

    ProductCommission %
    Professional Indemnity10%
    Professional Indemnity(Excess Layer)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).

    ProductCommission %
    Combined Liability10%
    Employers Liability10%
    General Liability10%
    Medical Malpractice10%
    Product Liability10%
    Public Liability10%

    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).

    ProductCommission %
    HNW Household10%

    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).

    ProductCommission %
    Apartment Block10%
    Apartment Block(Aviva)10%
    Aviation (Hull)10%
    Business Interruption10%
    Commercial Combined10%
    Commercial Combined13%
    Commercial Combined( NBS)5%
    Construction Bond10%
    Contractors All Risks10%
    Contractors All Risks10%
    Cyber Insurance10%
    Directors & Officers10%
    Event Cancellation10%
    Exhibition Insurance10%
    Fire & Perils10%
    Material Damage10%
    Property Owner10%

    Royal London Insurance DAC


    Whole of Life Protection

    The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Whole of Life200%3%60

    Term Life Protection

    A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Term Protection200%3%60

    Specified Illness

    A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Specified200%3%60

    Pension Term

    A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Pension Term200%3%60

    Mortgage Protection

    A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Mortgage Protection200%3%60

    Income Protection

    An Income Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Income Protection220%3%60

    RSA Insurance Ireland DAC


    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).

    ProductCommission %
    Personal Accident/Travel20%
    Travel30%

    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)

    ProductCommission %
    Professinal Indemnity22.5%
    Professional Indemnity17.5%
    Professional Indemnity15%
    Professional Indemnity10%

    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)

    ProductCommission %
    Caravan15%
    Motor7.5%
    Motor Damage10%
    Multi Vehicle5%
    RSA Broker Motor Insurance Private Car8%

    Personal Accident 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).

    ProductCommission %
    Personal Accident20%
    Personal Accident15%
    Sports Person Accident25%

    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).

    ProductCommission %
    Carriers Liability20%
    Combined Liability10%
    Combined Liability9%
    Employers Liability6%
    Employers Liability6%
    Office Liability10%
    Public Liability10%
    Public Liability10%
    Sports Liability17.5%
    Transit Liability18%
    Transit Liability20%

    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).

    ProductCommission %
    Holiday Home25%
    Household15%

    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).

    ProductCommission %
    All Risks15%
    Apartments/Block of Flats15%
    Barristers Office22.5%
    Cargo20%
    Combined15%
    Commercial Combined15%
    Commercial Vehicle5%
    Commercial Vehicle Fleet5%
    Contractors All Risks15%
    Engineering15%
    Engineering15%
    Fire/Perils15%
    Fire/Perils12.5%
    Fleet Insurance10%
    Glass20%
    Motor Traders5%
    Multi Risk5%
    Office17.5%
    Office Combined17.5%
    Office Combined15%
    Property12.5%
    Property12.5%
    Property Damage15%
    Property Owners15%
    Shop15%
    Shopkeepers15%
    Traders15%
    Traders20%

    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).

    ProductCommission %
    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)

    ProductCommission %
    PROFESSIONAL INDEMN.10%
    Professional Indemnity (AXA XLl)10%
    Professional Indemnity (Chubb)10%
    Professional Indemnity (Citynet)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)

    ProductCommission %
    Private Motor5%

    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).

    ProductCommission %
    Combined Liability10%
    Cyber Liability (Various)10%
    Excess Liability10%
    Excess Liability10%
    Excess Liability (CNA Hardy)10%
    Excess Liability (Chubb)10%
    PROPERTY OWNERS15%
    PUBLIC LIABILITY-
    Premises Liability15%

    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).

    ProductCommission %
    HOUSEHOLD15%
    OL PROPERTY OWNER10%

    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).

    ProductCommission %
    APARTMENT BLOCK15%
    COMMERCIAL COMBINED16%
    Chubb Masterpiece Household12.5%
    Clinical Trials (Chubb)10%
    Commercial Combined (Chubb)10%
    Commercial Combined (Citynet)-
    D&O (Chubb)10%
    D&O (HCC)10%
    Engineering (HSB)10%
    Event Cancellation (Chubb)10%
    HNW Household - Dual12.5%
    Kidnap & Ransom (Chubb)10%
    MOTOR FLEET15%
    Marine Cargo (CNA)10%
    Miscellaneous15%
    Office15%
    POL - Securus - offline10%
    POL - Securus - online15%
    Property Owners (Citynet)10%
    Terrorism Cover (Citynet)-
    UNOCCUPIED PROPERTY OWNERS INSURANCE QBE10%
    Vacant Property (Securus - offline)10%
    Vacant Property (Securus - online)15%

    Sertus Undewriting 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)

    ProductCommission %
    Private Motor7.5%

    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).

    ProductCommission %
    HOUSEHOLD15%

    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).

    ProductCommission %
    Travel - Business10%
    Travel - Individual10%

    Personal Accident 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).

    ProductCommission %
    Personal Accident10%
    Personal Accident / Illness10%

    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).

    ProductCommission %
    Combined Liability12.5%

    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).

    ProductCommission %
    Chip Safe15%
    Gourmet Safe15%
    Property Owners15%
    Shop Safe15%

    Tasker & Partners Ltd (JRP)


    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).

    ProductCommission %
    COMBINED LIABILITY10%
    Public Liability18%

    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).

    ProductCommission %
    COMBINED ALL RISKS10%
    Commercial Combined18%
    Property Damage21%
    Property Owners21%
    Traders Combined10%

    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)

    ProductCommission %
    Professional Indemnity (AmTrust)12.5%
    Professional indemnity - AmTrust Europe Ltd through Collegiate Underwriting12.5%

    Personal Accident 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).

    ProductCommission %
    Personal Accident & Illness with Lloyds Insurance Co SA10%

    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).

    ProductCommission %
    Combined Liability15%
    Liability (Calpe)15%
    Liability with Calpe Insurance Company Limited via Corin Underwriting Ltd15%

    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).

    ProductCommission %
    Bonds case by case depending on Surety-
    Commercial Combined15%
    Contractors All Risk with Great American International Insurance (EU) DAC via Corin Underwriting Ltd15%
    Contractors All Risks with Certain Underwriters at Lloyd's via The Fiducia MGA Co Ltd15%
    Contractors all risks (Great America)15%
    Contractors all risks(Fiducia)15%
    Cyber (Safe Online)12%
    Cyber with Lloyd's Insurance Co SA12%
    Cyber, Lloyd's Insurnace Co SA10%
    Material Damage & BI15%
    Material Damage & BI with Lloyd's Insurance Co SA15%
    Property Owners15%
    Property Owners with LLoyds Insurance Co SA15%

    Travelers Insurance Co 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)

    ProductCommission %
    Professional Indemnity15%

    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)

    ProductCommission %
    Multi Vehicle5%

    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).

    ProductCommission %
    Combined Liability9%
    Employers Liability6%
    Employers Liability (Package)15%
    Employers Liability (Stand Alone)6%
    Management Liability Package17.5%
    Management Liability Package - NB25%
    Motor Trade (Property & Liability covers)15%
    Public Liability10%
    Public Liability (Package)15%
    Public Liability (Stand Alone)10%
    Technology E&O and Cyber Liabilities20%

    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).

    ProductCommission %
    APARTMENT BLOCK15%
    Commercial Combined15%
    Commercial Vehicle5%
    Fleet Insurance5%
    Golf Select20%
    I.H.C.A. Motor Scheme5%
    Motor Fleet5%
    Motor Trade Road Risks5%
    Motor Trade Road Risks - NB5%
    Motor Traders5%
    Motortrade10%
    Multi Risk5%
    Property Covers (Package or Stand Alone but excluding Motor Trade)15%
    Property Owners15%

    The Underwriting Exchange 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).

    ProductCommission %
    Liability12.5%

    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).

    ProductCommission %
    Combined17.5%
    Motor Fleet7.5%
    Property15%

    Willis Towers Watson


    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)

    ProductCommission %
    Professional Indemnity10%

    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)

    ProductCommission €Commission %
    Asgard Private Car€55%
    Motor Damage-10%
    Multi Vehicle-5%
    Private Car-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).

    ProductCommission €Commission %
    Combined Liability-9%
    Combined Liability-9%
    Employers Liability-6%
    Public Liability-10%
    SIM Liability€77%
    SIMI MOTOR TRADE - LIABILITY-7%
    Tradesure Liability€1515%

    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).

    ProductCommission €Commission %
    Asgard Bus & Coach 1-4€55%
    Asgard Bus & Coach Fleet€55%
    Asgard Commercial Fleet€55%
    Commercial Combined-10%
    Commercial Combined-13%
    Commercial Vehicle-10%
    Commercial Vehicle-10%
    Golfsure Combined€1515%
    Golfsure Motor€55%
    Golfsure Personal€55%
    Guest House-10%
    Internal Risks-10%
    Motor Traders-7.5%
    Multi Risk-5%
    Office Combined€1515%
    Propsure€17.517.5%
    SIMI MOTOR TRADE - MOTOR-5%
    SIMI MOTOR TRADE - PROPERTY, BI, MONEY-15%
    SIMI Motor€55%
    SIMI Motor Trade | Property, BI & Money€1515%
    Traders Combined-10%
    Tradesure Commercial Motor€1010%

    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)

    ProductCommission %
    Motor Damage5%
    Private Car5%
    Private Car / Light Commercial Vehicle5%
    Van Plan5%

    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).

    ProductCommission %
    Carriers Liability10%
    Carriers Liability10%
    Haulage Liability10%
    Liability Scheme12%
    PUBLIC LIABILITY12%
    Trades Liability12%

    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).

    ProductCommission %
    HOUSEHOLD17.5%
    Holiday Home17.5%
    House17.5%

    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).

    ProductCommission %
    ADF&T10%
    ADF&T10%
    Commercial Vehicle5%
    Haulage Fleet5%
    Haulage Property10%
    Haulage Single Vehicle10%
    Haulage Single Vehicle5%
    Inspection15%
    MARINE INSURANCE5%
    MOTOR FLEET5%
    Mini Fleet5%
    Multi Risk5%
    Multi Vehicle10%
    Own Goods5%
    Rigid Vehicle10%
    Special Types5%
    Special Types5%
    Survey Fee-
    TRANSIT INSURANCE5%
    Traders Transit5%
    Traders Transit5%
    Trailer ADF&T10%
    Truck Plan10%
    Watford Fleet5%
    Watford MultiPlan5%
    Watford TruckPlan5%

    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)

    ProductCommission %
    Private Car10%

    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).

    ProductCommission %
    Annual Travel Policy15%
    Group Personal Accident Travel15%
    Personal Accident Travel Pol.15%
    Travel25%

    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)

    ProductCommission %
    Professional Indemnity25%
    Professional Indemnity15%
    ZPI - Professional Indemnity15%

    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)

    ProductCommission %
    Caravan15%
    Motor Damage10%
    Multi Vehicle5%
    Private Car5%

    Personal Accident 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).

    ProductCommission %
    Group Personal Accident Policy15%
    Personal Accident20%
    Personal Accident Policy15%
    Personal Accident Road & Rail15%

    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).

    ProductCommission %
    Combined Liability10%
    Employers Liability6%
    Public Liability10%
    Transit Liability18%

    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).

    ProductCommission %
    Broker Household15%
    Broker Household DA20%
    Combined Caravan/Mobile Home15%
    Holiday Home15%
    Home Insurance22%
    Household15%
    Household15%
    Household DA15%
    Private Dwelling House Policy15%

    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).

    ProductCommission %
    Accidental Damage12.5%
    All Risks15%
    Apartment Block Insurance10%
    Apartment Block Policy15%
    Building in the Course of Erection15%
    Combined Property Policy15%
    Combined Property Policy12.5%
    Commercial Combined15%
    Commercial Combined (U.K.) Pol15%
    Commercial Liability Policy10%
    Commercial Motor Vehicle5%
    Commercial Vehicle5%
    Commercial Vehicle5%
    Computer15%
    Computer All Risks" Policy"15%
    Contractors All Risks" Policy"15%
    Contractors Works15%
    Contractors Works12.5%
    Cyber Policy20%
    Directors & Officers20%
    ENP- Engineering15%
    Engineering Insurance Inspection15%
    Engineering Policy20%
    Farm Fire Policy12.5%
    Farm Policy12.5%
    Fidelity Guarantee12.5%
    Fidelity Policy15%
    Fire Schedule12.5%
    Fire/Perils12.5%
    Fire/Perils15%
    Fleet Insurance5%
    Fleet Motor Vehicle5%
    Goods in Transit18%
    Guest House All In" Policy"15%
    Hackney5%
    Internal Risks10%
    Legal Expenses25%
    Legal Expenses15%
    MRP - Marine15%
    Marine20%
    Marine Policy17.5%
    Marine: Small Craft15%
    Mini Fleet Vehicle5%
    Miscellaneous Bonds Policy15%
    Motor Traders5%
    Motor Traders Combined5%
    Motor Traders Internal Policy10%
    Multi Risk5%
    Nursing Home Combined15%
    Office Combined15%
    Office Policy15%
    Private All Risks" Policy"15%
    Property Owners15%
    Residential Care Home Policy15%
    Shop15%
    Shopkeepers15%
    Shops Policy15%
    Small Craft/ Yacht Policy15%
    Special Types5%
    Tradestar Office15%
    Tradestar Property Owners15%
    Tradestar Shop15%
    Tradestar-Property Owners15%
    Trailer15%

    Zurich Life Assurance plc


    Whole of Life Protection

    The Whole of Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Whole of Life90%18%12

    Term Life Protection

    A Term Life Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Term Protection170%12%12

    Single Premium PRSA

    ProductInitial %Recurring %
    Single Premium PRSA5%0.75%

    Specified Illness

    A Specified Illness Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Specified100%12%12

    Savings

    The Savings contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to ' clawback ' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Savings10%0.5%1%48

    Pension Term

    A Pension Term Assurance Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Pension Term100%12%12

    Personal Retirement Savings Account RP (PRSA)

    A Personal Retirement Savings Account or PRSA typically provides for an Initial Commission as outlined below with certain restrictions around PRSA’s.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium PRSA5%5%5%48

    Personal Retirement Bond (PRB)

    The Pension Retirement Bond typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    PRB5.5%0.5%

    Mortgage Protection

    A Mortgage Protection Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Mortgage Protection100%12%12

    Investment

    An Investment Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to “clawback” some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %
    Investment5%0.5%

    Group Life Protection

    ProductInitial %Recurring Commission %
    Group Life6%6%

    Group Income Protection

    ProductInitial %Recurring Commission %
    Group IP12.5%12.5%

    Defined Contribution Pension

    A Defined Contribution Product typically provides for an Initial Commission as outlined below.  Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %RenewalClawback Period (Months)
    Regular Premium pension20%0.5%3%48
    Single premium pension5.5%0.5%--

    Cancer Cover

    A Cancer Cover Product provides for an initial commission as outlined below. These policies have an inbuilt recurring commission structure to remunerate the Brokerage for reviews, service and claims support. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %Recurring Commission %Clawback Period (Months)
    Cancer Cover100%12%12

    Approved Retirement Fund (ARF) & Approved Minimum Retirement Fund (AMRF)

    An ARF / AMRF Product typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to "clawback" some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

     

    ProductInitial %Recurring Commission %
    ARF5%0.5%

    Annuity

    The Annuity contract typically provides for an Initial Commission as outlined below. Brokerages may also agree with a client a recurring commission that may be based on a percentage of the value of the fund or the annual premium. If for some reason a client moves or terminates their policy within a particular period of time, this might result in the provider seeking to 'clawback' some or all of the commission paid to the broker, depending on how long the policy was active with the provider.

    ProductInitial %
    Annuity3%

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