Disclosure Statement and Principles of Conduct

Worksured Inc., operating as Worksured Insurance Group and Worksured · Ontario

At a glance

• Who we are: a licensed insurance brokerage. We arrange your insurance with insurers. We don’t insure you ourselves.
• How we’re paid: by commission from the insurer, already included in your premium. The range we’re paid by each insurer is listed below.
• Who owns us: we share an owner with Entuitive Workforce. Entuitive isn’t your broker, and you don’t have to buy from us to use it.
• If something goes wrong: tell us first. If we can’t fix it, you can go to our regulator, the Registered Insurance Brokers of Ontario.

Who we are

Insurance brokerage services on worksured.io are provided by Worksured Inc., operating as Worksured Insurance Group and Worksured. We are a RIBO Licensed broker.

We arrange insurance for companies and individuals, and we specialize in coverage for tradespeople and contractors.

We’re a brokerage, not an insurer. We don’t take on insurance risk and we don’t decide claims. We act for you in dealing with insurers, and the insurer that issues your policy is named in your policy documents.

Where we operate

We currently arrange insurance for risks located in Ontario. If you take on work outside Ontario, whether your policy can cover it is an underwriting decision. Tell us before the job starts and we’ll ask the insurer.

How we’re licensed

We’re registered with the Registered Insurance Brokers of Ontario (RIBO) and bound by RIBO’s by-laws and Code of Conduct. Our Principal Broker is Hugh McTavish.

You can check our licence on RIBO’s public register.

Who owns us

Worksured and Entuitive Workforce Inc. are under common ownership. Entuitive runs a compliance platform used by contractors and the companies that hire them.

If you came to us from Entuitive, for example from a notice about the certificate of insurance on your file, Entuitive is not your broker. It doesn’t arrange your insurance or advise you on it. Worksured is a separate, licensed brokerage, and any quote or policy is between you and us.

You don’t have to buy insurance from us to use Entuitive. You can meet Entuitive’s requirements with insurance from any broker or insurer.

Worksured pays Entuitive a flat marketing fee. It doesn’t change with the number of people who come to us from Entuitive or with whether they buy, and Entuitive receives no referral fee and no share of our commission.

How information moves between Entuitive and Worksured is set out in section 3 of our Privacy Policy.

Which insurers we deal with

We place business with the insurers and managing general agents listed below, together with the range of commission each one pays us for each type of policy. We don’t place business with every insurer in the market, and we don’t necessarily approach every insurer we have access to for every risk.

Before you agree to buy, we tell you which insurer is offering the coverage. If you want to know which markets we approached for you, ask and we’ll tell you.

How a policy is issued

A licensed broker reviews your quote and policy.

Coverage is not considered bound until you have received confirmation from a licensed broker. That confirmation comes to you by email. A quote, a completed form or a payment doesn’t put coverage in place on its own. Your coverage is in force on the effective date shown on your documents.

We use automated tools, including an AI assistant, in parts of the quote process. Section 5 of our Privacy Policy explains what they do and what they don’t do.

How we’re paid

The insurer pays us a commission when you buy or renew a policy. It’s a percentage of your premium and is already included in it, not added on top. The range each insurer pays us is in the table above. If you’d like to know the commission on your own policy, ask us and we’ll find out and confirm it in writing. You don’t have to explain why you want to know.

Asking for a quote costs you nothing. We’re paid only if you decide to buy.

Fees. Any fees Worksured Inc. charges, on top of the commission we receive, will be agreed with you and disclosed. Fees charged by insurers and finance companies will also be disclosed, but they aren’t part of Worksured’s compensation. If you choose to pay in instalments through a premium finance company, that company sets out its own fee in its agreement with you before you sign.

Card payments. If you pay by card, our payment processor charges a non-refundable transaction fee. It’s shown separately before you pay and isn’t part of Worksured’s compensation.

Minimum retained premium. Some policies keep a minimum part of the premium if you cancel early. Where that applies, we tell you before you buy, and it also appears in the finance company’s payment schedule if you pay in instalments.

Contingent commission. An insurer may pay us an extra commission based on the overall volume, growth or profitability of all the business we place with it, not on any individual policy. That payment isn’t guaranteed. The insurers that have such an arrangement with us are marked in the table above.

Payment for administrative work. We don’t receive payment from any insurer for underwriting support, data entry or policy administration.

Gifts and hospitality. Insurers sometimes offer brokers training, hospitality, event invitations or contest entries. Anything we accept has no bearing on the advice we give you or the insurer we recommend.

Questions about how we’re paid on your policy: call 1-888-900-7155 or write to [email protected].

Conflicts of interest

A conflict of interest is anything that could reasonably be seen to influence our advice: an ownership relationship, including ours with Entuitive, a payment arrangement, or a personal interest.

Where one exists or could be seen to exist, we tell you in writing no later than when we give you a quote, so you have it before you decide. If we can’t manage a conflict fairly, we’ll tell you and decline to act.

Talking to a person

You can ask to deal with a person instead of our website or AI assistant, including before you buy. Call 1-888-900-7155 or write to [email protected].

• Email or a request through our site: we’ll get back to you as soon as possible.
• Phone, during office hours Monday to Friday, 8:30 a.m. to 4:30 p.m. Eastern time: we’ll get back to you as soon as possible.
• Phone, outside office hours: we’ll get back to you during regular office hours.

The advice we give you

Our recommendations are based on the information you give us, so complete and accurate answers matter. Wrong or missing information can lead to the wrong coverage. It can also give an insurer grounds to void your policy or deny a claim, including after a loss, when it’s too late to fix.

Read your policy when you get it. The policy wording decides what is and isn’t covered, and nothing on our site, in a quote, in a certificate of insurance, from our AI assistant or in an email from us changes it. Where what we’ve said differs from the policy, the policy governs. If something in it is unclear, ask us before you rely on it.

All insurance policies have coverage limitations and should be reviewed. Coverage is subject to the terms of your policy.

Principles of conduct

We follow the CISRO Principles of Conduct for Insurance Intermediaries and the RIBO Code of Conduct. In practice that means:

• We act with honesty, integrity, and due skill, care and diligence.
• We put your interests ahead of our own, and treat you fairly for the life of the policy, not only at the sale.
• We’re open about how we’re paid and about anything that could influence our advice.
• We recommend coverage that suits your business, based on what you’ve told us.
• We don’t make misleading statements about coverage, price or an insurer.
• We keep your information confidential and protect it, as set out in our Privacy Policy.
• We keep up the training our licences require, and we’re supervised by a licensed Principal Broker.
• We handle complaints promptly and fairly, and tell you how to take a complaint further.

The RIBO Code of Conduct and RIBO’s consumer materials are on ribo.com.

Errors and omissions insurance and bonding

We carry errors and omissions insurance of at least $3 million per claim and $6 million in total, with an extension for fraudulent acts, and a fidelity bond of at least $100,000, as RIBO requires.

If something goes wrong

Tell us first. The person handling your file can usually fix it fastest.

1. Raise it with your broker, call 1-888-900-7155, or write to [email protected].
2. We’ll acknowledge your complaint within two business days and give you a detailed response within two weeks. If we need longer, we’ll tell you why and when to expect an answer.
3. If you’re not satisfied with our response, you can take it to the Registered Insurance Brokers of Ontario.

If your complaint is about an insurer or how a claim was handled, rather than about us, it goes to that insurer’s complaints officer first, and then to the General Insurance OmbudService. You can also contact the Financial Services Regulatory Authority of Ontario. We’ll help you find the right route.

Privacy complaints go to our Privacy Officer, and then to the Office of the Privacy Commissioner of Canada or Ontario’s Information and Privacy Commissioner. See our Privacy Policy.

Your privacy

How we collect, use, share and protect your personal information is set out in our Privacy Policy.

Contact us

1-888-900-7155 · [email protected]

We’re a digital brokerage and don’t receive visitors.