Your Trusted Insurance Professionals

At A. F. Sandy Forbes Insurance Broker you are provided with timely updates and re-evaluations of polices when circumstances in your life change. We will keep you apprised of any changes, new discounts or new coverages that become available. Our warm and friendly service will always be there.

We work closely with three main (and local) Canadian-owned insurance companies to bring you great protection and coverage. Service is the most vital part of having insurance and this means service from our office as well as service from the insurance company when and if you suffer a claim. The great rapport we have with our clients begins with the great rapport we have in the office.

Meet Our Team

It's important to know...

Our Equity Position

A.F. Sandy Forbes Insurance is a privately owned company. No insurance company or financial institution has any ownership in this brokerage.

Our Compensation

Brokerage compensation forms part of the premium that you pay when you pay your insurance.
The standard general commissions range as follows:

Brokerage Compensation	Automobile	Property/Casualty	Bonds
	10% - 12.5%	15% - 20%	25%

Insurance companies continually seek to maintain their profitability and their prices and rules are based upon this. There are some insurance companies who will ofer a contingent profit commission for profitable business. There are calculated on a separate basis and not guaranteed. They also fluctuate from year to year. A single substantial loss or claim can completely eliminate these.

Our History

• 

  1959

  Alexander 'Sandy' Forbes was born in Glasgow, Scotland. He served in the Royal Air Force as a pilot in the Ferry Command. Anyone who knew Sandy knew he had two loves, people and golf. Interestingly, his flight log book detailed all of his trans-Atlantic flights in the front, but the back of the book detailed all of his golf games and scores all over the world!

  Sandy emigrated to Canada because the job opportunities were slim in Scotland at the time. He secured a job as a claims adjuster for Morden & Helwig. This gave him an opportunity to experience the insurance industry from the claims settlement side which provided him with very valuable knowledge and education. Little did he know then but his new secretary would become his future wife and the two of them would work side by side all their married lives.

  They bought an existing insurance agency in the Preston section of Cambridge on King Street in 1959 and so began Sandy's career as an insurance broker. Forbes Insurance began.

  In his later years working in the business, he revelled in the challenging files and would go armed with the client's file to talk to the insurance company in person. His goal was to see the best he could do for his client. Sandy remained active in the business until 2007 when he passed away.

• 

  1986

  Kathryn Forbes secured her insurance broker's license and began to work in the family business learning first hand all the in's and out's of insurance.

  She then went on to secure her Canadian Accredited Insurance Broker designation and Level 2, Unsupervised Insurance Broker's license.

• 

  2007

  Kathryn became owner of the family business. Her goal was to run the family business as it was run from the very start - placing the highest value on the best interest of our clients. Our relationships with our clients and insurance partners remains just as important today as it was when the business first began.

  The philosophy of the business from the very beginning was always that customer service be the foundation of our business. It's this same philosophy that guides us today. Thanks Dad!

• 

  Present Day

  
  

  Responding to the needs of our clients, A.F. Sandy Forbes Insurance Brokers happily moves into the digital age. We can now easily reach out to our clients to communicate in the mode they feel is most comfortable and convenient. We can use this technology platform to communicate industry changes.