Our Charges

Our Charges

Murphy Stuart Insurances Ltd act as intermediary (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 intermediaries, 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 intermediary which it has agreed with its product producers.

What is commission?

For the purpose of this document, commission is the payment earned by the intermediary 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 intermediary shortly after the sale is completed and is based on a percentage of the premium paid/amount invested/amount borrowed. 
Trail/Renewal commission model:Further payments at intervals are paid throughout the life span of the product.
Indemnity commissionIndemnity 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 intermediaries 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.

Clawback

Clawback is an obligation on the intermediary 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 intermediary 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

Murphy Stuart Insurances does not receive non-monetary benefits.

A list of fees is available under our statement of charges link on our website.

 


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%
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 %
PI17.5%
PI Rapidcover25%
Professional Indemnity5%
Professional Indemnity15%
Professional Indemnity10%
Professional Indemnity18%
Professional Indemnity15%
Trailer25%

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 Excess25%
Classic Car Scheme8%
Classic Car Scheme10%
Limited Mileage10%
MG Owners Scheme8%
Morris Minor10%
Motor Cycle10%
Multi Vehicle6%
Multi Vehicle8%
Private Car10%

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 Liability10%
PL10%
PL Rapidcover20%
Products Liability10%
Public Liability10%
Sports Liability12%
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 %
Claim15%
Fire Schedule12%
Fire/Perils12%
Household25%

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%
Commercial Vehicle6%
Commercial Vehicle10%
Computer15%
Contractors Works15%
Crisis Management25%
Cyber20%
Cyber Rapidcover25%
Directors and Officers15%
Driving Instruction10%
Driving Instruction8%
Driving Testers10%
Engineering Insurance Inspection15%
Excess10%
Excess Rapidcover25%
Fleet Insurance5%
Glass15%
Goods in Transit18%
Horses15%
Instructor Vehicle10%
Livestock15%
Loss of Profits12%
Marine20%
Money15%
Motor Contingency15%
Motor Traders5%
Multi Risk5%
Office Rapidcover20%
Prop Own Rapidcover20%
Property15%
Property Damage10%
Shop15%
Shopkeepers15%
Shops Rapidcover20%
Terrorism15%
Theft15%

Allianz Health


Health 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 %
Heath Insurance6%

Arachas Corporate Brokers


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 %
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%
Multi Risk5%

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 Car10%
Road risk10%
vehicle5%

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 Vehicle7.5%
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 Owners10%
Shopkeepers15%
Surestone MTIR policies10%
Taxi15%

Aviva Group Ire. Plc. (Value)


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 Car7.5%

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%
Motor Cycle5%
Multi Vehicle5%
Private Car7.5%

Liability

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

ProductCommission %
Combined Liability9%
Combined Liability10%
Employers Liability6%
Products Liability10%
Public Liability10%
Sports Liability12%
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 %
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 %
Admin Bond20%
Agricultural Vehicle5%
All Risks10%
All Risks15%
Bakery Motor Scheme5%
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%
I.D.A. Motor Scheme5%
Internal Risks10%
Livestock15%
Loss of Licence10%
Loss of Profits12%
MARINE15%
Marine18%
Marine: Small Craft15%
Milk Agents Motor5%
Money15%
Motor Traders5%
Multi Risk5%
Office Combined15%
PACKAGES - AO16%
PACKAGES - AS16%
PACKAGES - US15%
Property Damage10%
Property Owners10%
R.I.A.I. Motor Scheme5%
R.I.A.I. Motor Scheme5%
Self Build15%
Shop15%
Shopkeepers15%
Special Types5%
Surgery Insurance15%
Theft15%
Traders Combined15%

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 %
Car8%
Caravan15%
Morris Minor5%
Motor5%
Motor Contingency15%
Multi Vehicle5%
Private Car8%
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%
Sports Liability12%
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%
Household25%
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 Vehicle8%
Commercial Vehicle5%
Farm17.5%
Fire/Perils12%
Fleet Insurance10%
Glass15%
Guest House10%
Hackney15%
Hackney5%
I.D.A. Motor Scheme8%
Motor Traders5%
Multi Risk5%
Office Combined15%
Property Damage10%
Property Owners10%
R.I.A.I. Motor Scheme8%
Shop/Office/Surgery20%
Shopkeepers15%
Shopkeepers20%
Tractor/Agri5%

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%

Health 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 %
Health Insurance6%

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


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%

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 Car6%

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 Home10%
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%

Ecclesiastical Insurance Office 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 %
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 %
Caravan15%
Motor Contingency15%
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 %
Employers Liability6%
Products Liability10%
Sports Liability12%
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 %
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 %
Apartment Block Insurance10%
Charity, Faith and Community Insurance (CHA)15%
Commercial Combined15%
Commercial Combined (ICS)15%
Commercial Package (IIP)15%
Education (ISS)15%
Engineering, Cyber (CEN)15%
Fire/Perils15%
Fire/Perils12%
Glass15%
Heritage (IHG)15%
Legal Expenses15%
Multi Risk5%
Office Combined15%
Property Damage10%
Property Owners15%
Property Owners (IPO)15%
Shop15%
Shopkeepers15%

EverSure


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 Insurance Products15%

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%
Private Mtr5%

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 Combined20%
Commercial Combined20%
Commercial Combined15%
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%
Other Motor (Tractor)5%
Property Owners20%
Shopkeepers15%

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%

HSB


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 %
COLIN O'DONOGHUE T/A CD MOTORS15%
Engineering10%
Engineering Inspection10%

Irish Life Health


Health 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 %
Health Insurance6%

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 Owners19%
Shops15%
Tradesman15%
Unoccupied Property Owners15%

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 Car7.5%
Private Motor Choice5%
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 Policies10%
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 Car8%
Private Car8%

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 Vehicle8%
Fleet Insurance8%
Hackney5%

London Ireland Market Exchange Ltd


Commercial

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

Product
All types

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%

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%

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 %
MOTOR CYCLE5%
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 Liability10%
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%
Fleet7.5%
Fleet Risk Fix5%
Flexi Fleet7.5%
Horse Box - Axa5%
Logistics Combined15%
Logistics Combined - Gefion15%
Logistics Combined MGAM15%
Logistics HGV - Gefion7.5%
Logistics HGV AXA5%
Logistics Vehicle7.5%
Own Goods Vehicle7.5%
Rental Fleet7.5%
Single Vehicle Courier Axa7.5%
Single Vehicle Courier Gefion7.5%
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 Motor8%
Octane Ireland Motor EDI6%
Prestige Ireland Private Motor10%
Prestige Personal Portfolio (Home, Motor & New NI Motor)-
Private Car10%

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 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 %
Holiday Home25%
Household25%
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 Vehicle8%
Prestige Ireland Motor Trade10%
Prestige Ireland Non Standard CV8%
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%
Construction/Trademaster scheme10%
Contractors All Risks10%
Contractors All Risks10%
Cyber Insurance10%
Directors & Officers10%
Event Cancellation10%
Exhibition Insurance10%
Fire & Perils10%
Material Damage10%
Property Owner10%

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 Indemnity15%
Professional Indemnity10%
Professional Indemnity17.5%

Personal Motor

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

ProductCommission %
Caravan15%
Classic Car Scheme5%
Limited Mileage5%
MG Owners Scheme5%
Morris Minor5%
Motor5%
Motor Damage10%
Multi Vehicle5%
RSA Broker Motor Insurance Private Car8%

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%
Household25%
R.I.A.I. Home Secure5%

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%
Farmers Combined15%
Fire/Perils12.5%
Fire/Perils15%
Fleet Insurance10%
Glass20%
I.D.A. Motor Scheme5%
I.H.C.A. Motor Scheme5%
Motor Traders5%
Multi Risk5%
Office17.5%
Office Combined15%
Office Combined17.5%
Property12.5%
Property12.5%
Property Damage15%
Property Owners15%
R.I.A.I. Motor Scheme5%
Shop15%
Shopkeepers15%
Traders20%
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)-

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 %
Chubb Masterpiece Motor5%
HNW Motor - Dual5%
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%

Stuart 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 %
Eversure Home Insurance15%

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%

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%

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%

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 %
Classic Car Scheme5%
Multi Vehicle5%
Private Car10%
Private Motor Vehicle - NB and Rnl10%

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 - NB10%
Motor Traders5%
Motortrade10%
Multi Risk5%
Property Covers (Package or Stand Alone but excluding Motor Trade)15%
Property Owners15%
R.I.A.I. Motor Scheme5%

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%
Rent a 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-8%
Commercial Vehicle-10%
Golfsure Combined€1515%
Golfsure Motor€55%
Golfsure Personal€55%
Guest House-10%
I.D.A. Motor Scheme-5%
Internal Risks-10%
Motor Traders-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 Car10%
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 Vehicle5%
Haulage Single Vehicle10%
Inspection15%
MARINE INSURANCE5%
MOTOR FLEET5%
Mini Fleet10%
Multi Risk5%
Multi Vehicle10%
Own Goods10%
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 Indemnity15%
Professional Indemnity25%
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 Car7.5%

Liability

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

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 Vehicle6.5%
Commercial Vehicle5%
Commercial Vehicle7.5%
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%
I.D.A. Motor Scheme5%
I.H.C.A. Motor Scheme5%
Internal Risks10%
Legal Expenses15%
Legal Expenses25%
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%
R.I.A.I. Motor Scheme5%
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%