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Commercial and Personal Insurance Solutions Since 1979
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Ontario Code of Consumer Rights and Responsibilities

Registered Insurance Brokers of Ontario

We adhere to the Ontario Code of Consumer Rights and Responsibilities.
We are a Registered Broker with RIBO and all of our brokers hold an insurance license.

We have been in business providing Insurance Solutions, since 1979. Many of our current clients have been with us for all 36 years and we are thankful.


As your broker, we will work with you to place your business with whatever company that you agree is best for you. We have NO allegiance to one particular company. Insurance companies sometimes give us a contingent commission of about 1 % based on our profitability, our sales performance, our losses and our potential losses. It is important therefore that we work with our clients to prevent claims, and also underwrite good business here in Ontario. We what our insurance companies to remain healthy and to be able to provide good broad coverages for our clients.

We are paid on a commission basis from the insurance companies. The commission is standard for all our companies. Car and fleet policies range from 5% to 12.5% commission and all property and casualty policies range from 10% to 20% commission.

Our Brokerage Group continues to grow with  over 11,000 clients. We are working hard to keep up with the new commercial business that is referred to us due to our low rates and personal service.

We represent each of the following companies that are available to you,our client.
AIG, Aviva, Boiler Inspection, Cowan, Chieftian, Creechurch, Dominion of Canada, Eastern Marine, Ecclesiastical Insurance, Economical, Economical Select, Encon, Equine Insurance, Elliott Special Risks, INTACT, JEVCO, Lloyds of London, Northbridge, Perth, Premier Marine, Travelers, Unica, Waterloo, Wawanesa, and Zurich.

Every major insurance company is represented in our office. Some have better service and rates than others. Most will niche market specific types of business.
We are here to be of service to you and to provide an Insurance Solution


RIBO JD Smith Insurance Brokers
105 West Beaver Creek Rd.
Richmond Hill, ON, L4B 1C6
1-800-917-7283
Tel: 905-764-7868
Fax: 905-764-9618
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