Kingsway General Insurance Company is an "open market" insurance company that accepts applications for personal automobile insurance from any broker licensed in Ontario, Alberta or Quebec. In addition, Kingsway General will consider applications for commercial property & casualty and fleet commercial automobile insurance policies from any licensed broker across Canada on an offer and accept basis only.

Kingsway General pays brokers a commission when such brokers sell a Kingsway General insurance policy to one of their customers. Depending upon the product sold Kingsway General's commission payments range from 5 to 25% of the policy premium.

Kingsway General pays contingent commissions to a very small number of brokers, most of which have been delegated underwriting authority by the Company and are contracted to act on behalf of the Company. The contingent commission arrangements are based on attaining a certain volume of premium AND earning an underwriting profit for Kingsway General. The range of contingent profit commission available to a broker is 0 to 5% of the total policy premiums written by the respective broker. Contingent commissions are not paid on a policy by policy basis but on the total portfolio of policies written on behalf of Kingsway General.

Kingsway General has no financial interests in any of the insurance brokers with whom the Company does business.