110 Commercial Insurance jobs in Canada
Commercial Insurance Specialist
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Job Description
Commercial Insurance Sales – Full-Time Position
Location: Sherwood Park, AB
Hours: Monday to Friday, 8:30 AM to 4:30 PM on site, no remote work.
Are you looking to grow your insurance career in a welcoming, small-office environment? Our Sherwood Park team is looking for a self-motivated, energetic sales professional who is passionate about delivering exceptional, concierge-level service to clients and helping us grow our commercial insurance business.
If you're ready to break away from high-pressure sales quotas and the corporate cubicle life, this might be the right fit for you. In our agency, you'll have your own private office and work with a friendly, supportive team that genuinely cares for one another.
Strong people skills and a solid work ethic are essential.
As part of your onboarding, you’ll also be trained on our personal lines (auto and property) systems to help provide vacation coverage for teammates in those roles.
Key ResponsibilitiesDevelop and nurture leads within the commercial insurance space
Identify clients’ insurance needs and risk exposures (e.g., building owners, property managers, and small business owners)
Market suitable products and services to meet client needs
Deliver prompt, accurate, and high-quality customer service
Handle inquiries related to quotes, coverage, policy changes, business moves, claims, and billing
Minimum General Level One Insurance Licence
At least one year of Commercial insurance experience in the Province of Alberta
Strong written and verbal communication skills in English
Excellent listening skills and attention to detail
Proficient with computers and able to learn new software quickly
Ability to work independently and adapt quickly
Familiarity with small communities in central and northern Alberta is an asset
Post-secondary certificate or diploma in Business or Business Administration
CIP designation (or working toward it)
Experience in commercial insurance
Must have a clear Canadian driving record (last 5 years) – occasional travel to client locations is required
Must meet Desjardins’ onboarding requirements, including a background check, motor vehicle history, and credit check
Please Note: While this role is affiliated with Desjardins, the employer is Katherine Hanna Insurance Agency .
Salary will be based on experience.
Competitive Benefits Package.
These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.
Commercial Insurance Specialist
Posted today
Job Viewed
Job Description
Job Description
Commercial Insurance Sales – Full-Time Position
Location: Sherwood Park, AB
Hours: Monday to Friday, 8:30 AM to 4:30 PM on site, no remote work.
Are you looking to grow your insurance career in a welcoming, small-office environment? Our Sherwood Park team is looking for a self-motivated, energetic sales professional who is passionate about delivering exceptional, concierge-level service to clients and helping us grow our commercial insurance business.
If you're ready to break away from high-pressure sales quotas and the corporate cubicle life, this might be the right fit for you. In our agency, you'll have your own private office and work with a friendly, supportive team that genuinely cares for one another.
Strong people skills and a solid work ethic are essential.
As part of your onboarding, you’ll also be trained on our personal lines (auto and property) systems to help provide vacation coverage for teammates in those roles.
Key ResponsibilitiesDevelop and nurture leads within the commercial insurance space
Identify clients’ insurance needs and risk exposures (e.g., building owners, property managers, and small business owners)
Market suitable products and services to meet client needs
Deliver prompt, accurate, and high-quality customer service
Handle inquiries related to quotes, coverage, policy changes, business moves, claims, and billing
Minimum General Level One Insurance Licence
At least one year of Commercial insurance experience in the Province of Alberta
Strong written and verbal communication skills in English
Excellent listening skills and attention to detail
Proficient with computers and able to learn new software quickly
Ability to work independently and adapt quickly
Familiarity with small communities in central and northern Alberta is an asset
Post-secondary certificate or diploma in Business or Business Administration
CIP designation (or working toward it)
Experience in commercial insurance
Must have a clear Canadian driving record (last 5 years) – occasional travel to client locations is required
Must meet Desjardins’ onboarding requirements, including a background check, motor vehicle history, and credit check
Please Note: While this role is affiliated with Desjardins, the employer is Katherine Hanna Insurance Agency .
Salary will be based on experience.
Competitive Benefits Package.
These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.
Commercial Insurance Broker
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Job Description
Commercial Insurance Broker
BIG Alta Vista is seeking a RIBO licensed broker with a minimum of 3 years of commercial insurance sales experience to join our team. This role requires a relationship-oriented individual with strong organizational, analytical, time-management, sales, and prospecting skills. You will need to be comfortable working with technology in a digital environment, in both a customer facing role, as well as an internal role as our brokerage’s Commercial Insurance expert. This is a Commission Only position.
Who We Are:
BIG Alta Vista is a full-service brokerage offering a one-stop shop for our clients’ auto, home, business, life, and travel insurance needs. Our motto is Expertise You Can Trust. Exceptional Service You Can Rely On. We aim to make the insurance process simple, informative, transparent, and easy to understand. We are a tight-knit, diverse and inclusive team located in Ottawa. Launched in 2022, We have been recognized on Insurance Business Canada’s Top Brokerages list, won 2 brokerage Service Excellence Awards in 2023, and voted Best Insurance Brokerage by the Best In Ottawa website for 2024 and 2025.
Why Work for Us:
Unlimited earning potential with uncapped new and renewal commissions.
Unlimited vacation time
People-focused company culture
Work-life balance
1-to-1 mentoring with top-selling insurance brokers
Unbeatable market access to help you find the best coverage for your clients.
Access to exclusive training through BIG University
State-of-the-art tools and resources that are designed to make you work faster & smarter.
Requirements & Qualifications:
Must have
RIBO license
3+ years’ experience as a Commercial Insurance Sales Broker/Producer.
Commercial Lines Insurance Knowledge is essential.
Degree in any discipline from a recognized Canadian University or Insurance Diploma from a College.
Exceptional written and oral communication skills in English.
Reside in the Greater Ottawa area.
Nice-to-have
CAIB, CIP, FCIP or similar professional designations are an asset.
Commercial Underwriting, Marketing or Account Management experience is an asset.
Fluency in other languages is an asset.
Responsibilities:
Generate business/commercial insurance sales leads.
Manage leads and provide quotes to prospective clients in a timely manner.
Review policies and recommended coverages based on the client’s business & commercial needs.
Deliver an exceptional sales experience from the first point of contact.
Prioritize building a quality book of commercial insurance business and maintain good retention ratios.
Comply with market underwriting guidelines as well as company policies and standards.
Ensure appropriate forms and other policy requirements are completed.
Co-ordinate and follow up on client documents and payments.
Consistently achieve monthly sales targets and comply with business quality targets.
Our BIG brokers are the best in business. Does this look like you?
You are entrepreneurial with an established network and a proven track record in sales.
You are goal oriented and a self-motivated individual who strives on success.
You Think BIG. Growth & finding ways to challenge yourself to be better is in your DNA.
You are resilient, adaptable & embrace change.
You are professional and polite especially in tough situations.
You are technology-savvy and comfortable working in a digital environment with powerful AI tools.
You work well under pressure, tight timelines and high stakes.
You have proven commercial insurance sales experience; and you’re looking to take that to the next level.
You have earned a reputation of providing superior customer service while exceeding sales targets.
You enjoy no day looking the same, can multitask and bring order to chaos with ease.
You value the opportunity to earn uncapped commissions and residual income year after year.
You take care of others and support your colleagues, clients & communities.
Compensation:
This is a Commission Only position which provides uncapped commission on new business and renewals.
It can approximately translate into the following depending on commission earned:
Year 1 - $52,000 to $5,000+
Year 2 - 82,000 to 120,000+
Year 3 - 112,000 to 150,000+
Commercial Insurance Advisor
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Job Description
Commercial Insurance Account Representative - Desjardins Agent Team Member
Location: Mississauga
Type: Full Time
Position Overview:
A successful Desjardins Agent is seeking a qualified professional to join their winning team for the role of Commercial Insurance Account Representative
- Desjardins Agent Team Member. We seek an energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential.
Responsibilities:
- Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.
- Provide prompt, accurate, and friendly customer service. Service can include responding to inquiries regarding insurance availability, eligibility, coverages, policy changes, transfers, claim submissions, and billing clarification.
- Work with the agent to establish and meet marketing goals.
Requirements:
- Sales experience in commercial insurance is a requirement.
- Successful track record of meeting sales goals/quotas preferred
- Excellent interpersonal skills
- Excellent communication skills - written, verbal and listening
- Proactive in problem solving
- Dedicated to customer service
- Ability to multi-task
- Property & Casualty licensed
- LLQP License preferred
Why Join Us?
- Competitive base salary with commission
- Professional development opportunities
- Collaborative and supportive team environment
- Chance to make a real difference in customers' lives
We thank all applicants for their interest, however, only those selected for interview will be contacted.
Ready to take the next step in your career? Apply now and join our dedicated team at Iqra Arsalan - Desjardins Insurance Agent!
Apply Today!
These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.
Commercial Insurance Sales Specialist
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Job Description
Commercial Insurance Sales Specialist
Location: Oakville, ON
Type: Full Time, Permanent
Position Overview:
Are you outgoing and customer-focused? Do you enjoy working with the public? If you answered yes to these questions, the role at our office may be the career for you!
Position Overview:
A successful Desjardins Agent is seeking a qualified professional to join their winning team for the role of Commercial Insurance Sales Specialist. We seek an energetic professional interested in helping our business grow through value-based conversations and remarkable customer experience. If you are a motivated self-starter who thrives in a fast-paced environment, then this is your opportunity for a rewarding career with excellent income and growth potential. You will be responsible for assisting existing clients with various questions and customer service related items. you will also be responsible for prospecting new clients in Oakville and surrounding areas. All marketing materials and a company car is available.
Requirements:
- An OTL license
- A valid drivers licence
- Excellent communication skills - written, verbal and listening
- Build a commercial vertical through generating qualified leads
- Sales experience making cold calls, inside and outside sales
- Successful track record of meeting sales goals/quotas preferred
- Excellent interpersonal skills
- Work with existing clients
These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employees.
VP Sales - Commercial Insurance
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Job Description
Ai Insurance Organization
Ai Insurance Organization is an award-winning insurance brokerage located in Mississauga, Ontario. Our purpose is to meet the evolving needs of all our stakeholders (clients, teammates, insurance partners, suppliers, communities, and society as a whole) and create superior value by disrupting and creating new market segments for both industry and consumer.
Job Purpose
The Vice President of Sales will lead Ai Insurance Organization’s sales division, directly responsible for achieving aggressive growth targets in GWP. The role requires developing and leading high-performing sales teams, expanding client relationships, and effectively managing sales activities focused on Builders Risk, Commercial Lines, Surety Bonds, and Errors & Omissions.
Qualifications / Experience
7+ years senior-level sales leadership experience in insurance, specifically commercial insurance sectors.
Strong background in selling Builders Risk, Commercial Insurance, Surety Bonds, and Errors & Omissions products.
Demonstrated success in building and leading high-achieving sales teams.
Proficiency with sales management, CRM software (HubSpot preferred), and data-driven performance tracking.
Excellent communication, negotiation, and strategic relationship-building skills.
Proven ability to foster a collaborative, competitive, and performance-driven sales culture.
Behavioral Competencies
Solutions-driven mindset.
Strong analytical abilities.
Demonstrated ability to work autonomously and collaboratively.
Effective relationship management.
Prioritization skills and high responsiveness.
Positive and adaptable demeanor.
Attuned listening skills.
Technical Skills
Proficient in MS Office applications.
Experience with Broker Management Systems (BMS).
Knowledge of Company Portals and Document Management Systems.
Strong verbal and written communication.
Ability to draft and refine contracts and policy documents.
Key Result Areas/Essential Functions
Strategically lead sales initiatives to achieve significant year-over-year growth in GWP.
Recruit, train, and develop a high-performing producer team aligned with Ai Insurance’s market expansion goals.
Leverage Ai Insurance's CRM and sales enablement platforms (HubSpot, Vertafore SIG) to drive sales performance.
Develop and implement incentive and referral programs to maximize sales team productivity.
Foster relationships with strategic industry influencers, brokers, and key clients to enhance Ai Insurance’s market position.
Regularly evaluate sales strategies and adjust plans based on market conditions, producer performance, and business targets.
Risk Oversight
Stay abreast of underwriting philosophies and market trends.
Convey updates regarding insurance coverages, policies, and regulatory changes.
Assess and determine the risk associated with commercial insurance proposals.
Ensure all submissions are accurate, up-to-date, and utilize the latest software. Aim for top-tier submission outcomes.
Education/Compliance
Pursue continuous professional development, including CAIB/CIP and related courses.
Remain updated with industry trends.
Teamwork
Collaborate effectively across teams and departments.
Regularly update management and pertinent parties about work progress.
Aid in skill development of team members and other staff.
Actively contribute to, and support, all business activities.
Working Conditions
High-pressure, dynamic environment with frequent interruptions.
Tasks require a combination of accuracy and speed due to complexity.
Core working hours with potential evening/weekend commitments for events or client obligations.
We are committed to providing accommodations and achieving a barrier-free workplace for individuals with disabilities. We provide a safe inclusive work environment and welcome all candidates with disabilities, visible minorities and LGBTQ2S+. Should you require an accommodation to participate in our recruitment process, we will support you by considering your individual accessibility needs.
We thank you as an insurance professional for your submission. We will be in contact with those advancing in this specific recruitment process.
Benefits: Dental care
Location: Hybrid
Disability insurance
Employee assistance program
Pay: Lucrative salary, plus commission
Extended health care
Life insurance
Paid time off
Tuition reimbursement
Commercial Insurance Account Manager
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Job Description
Salary:
Commercial Insurance Account Manager
Location: Burlington, Ontario
Department: Commercial Lines
Employment Type: Full-Time, In-Office
About Morison Insurance
We're a family-owned insurance brokerage with deep Hamilton roots dating back to 1895. What started as a three-person downtown Hamilton office has grown into five locations with 100+ team members across Southern Ontario. We're guided by five core values: Go Beyond, Evolve, Own It, Our Promise, and Unified.
Our comprehensive insurance solutions include business, commercial auto, personal home and auto, recreational coverage, and specialized products. We're committed to innovation, exceptional service, and creating an environment where our team can thrive.
About This Role
As a Commercial Insurance Account Manager, you will be responsible for managing a portfolio of commercial clients, ensuring their insurance needs are met with expert advice and exceptional service. This role involves handling renewals, addressing client inquiries, marketing accounts to insurers, and supporting new business opportunities through referrals. Its a dynamic position suited for someone who thrives in a fast-paced, client-focused environment.
What You'll Do
- Managing and servicing commercial accounts
- Reviewing renewals with clients, providing coverage recommendations
- Assisting clients with their day-to-day inquiries
- Opportunities to write New Business through referrals
- Marketing existing accounts to insurance companies
- Developing insurance market knowledge in order to know where a risk will fit
- Understand wordings and coverages to be able to compare insurance policies and quotes
What We're Looking For
- RIBO license
- Knowledge in Commercial Property & Casualty, Commercial Auto, and Farm Insurance
- Completed, enrolled or interested in the Chartered Insurance Professional (CIP) courses would be an asset
- Strong communication skills with confidence in customer-facing conversations
- Previous customer service or sales experience
- Enjoys talking to people and building relationships
- Ability to manage multiple priorities in a fast-paced environment
- Valid G-class driver's license
- Collaborative mindset with enthusiasm for teamwork
- Experience with CRM systems or lead management platforms is an asset
Work Environment & Schedule
- In-office
- Monday-Friday schedule (8:30am-4:30pm) with early Friday closures during long weekends (May-October)
- Collaborative in-person team environment
Comprehensive Benefits
- Competitive salary with performance-based growth opportunities
- RRSP matching program
- Group Benefits Plan (health, dental, vision coverage)
- Employee Assistance Program for personal and professional support
- 4 weeks vacation
- Paid personal days and extended Christmas break
Professional Development
- Continuing education opportunities and certification support
- Modern technology and collaborative workspaces
- Clear advancement pathways within our expanding organization
Unique Perks
- Full commission on personal home and auto policies
- Regular team social events and company celebrations
- Work with cutting-edge insurance technology and diverse market access
Equal Opportunity & Accessibility
Morison Insurance is an equal opportunity employer committed to creating an inclusive workplace. We provide disability-related accommodations throughout our recruitment process. If you require any accommodations, please contact us or inform your interviewer during the selection process.
We appreciate all applications and will contact candidates selected for interviews directly.
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Commercial Insurance Account Manager
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Job Description
Salary:
Commercial Insurance Account Manager
Location: St. Catharines, Ontario
Department: Commercial Lines
Employment Type: Full-Time, In-Office
About Morison Insurance
We're a family-owned insurance brokerage with deep Hamilton roots dating back to 1895. What started as a three-person downtown Hamilton office has grown into five locations with 100+ team members across Southern Ontario. We're guided by five core values: Go Beyond, Evolve, Own It, Our Promise, and Unified.
Our comprehensive insurance solutions include business, commercial auto, personal home and auto, recreational coverage, and specialized products. We're committed to innovation, exceptional service, and creating an environment where our team can thrive.
About This Role
As a Commercial Insurance Account Manager, you will be responsible for managing a portfolio of commercial clients, ensuring their insurance needs are met with expert advice and exceptional service. This role involves handling renewals, addressing client inquiries, marketing accounts to insurers, and supporting new business opportunities through referrals. Its a dynamic position suited for someone who thrives in a fast-paced, client-focused environment.
What You'll Do
- Managing and servicing commercial accounts
- Reviewing renewals with clients, providing coverage recommendations
- Assisting clients with their day-to-day inquiries
- Opportunities to write New Business through referrals
- Marketing existing accounts to insurance companies
- Developing insurance market knowledge in order to know where a risk will fit
- Understand wordings and coverages to be able to compare insurance policies and quotes
What We're Looking For
- RIBO license
- Knowledge in Commercial Property & Casualty, Commercial Auto, and Farm Insurance
- Completed, enrolled or interested in the Chartered Insurance Professional (CIP) courses would be an asset
- Strong communication skills with confidence in customer-facing conversations
- Previous customer service or sales experience
- Enjoys talking to people and building relationships
- Ability to manage multiple priorities in a fast-paced environment
- Valid G-class driver's license
- Collaborative mindset with enthusiasm for teamwork
- Experience with CRM systems or lead management platforms is an asset
Work Environment & Schedule
- In-office
- Monday-Friday schedule (8:30am-4:30pm) with early Friday closures during long weekends (May-October)
- Collaborative in-person team environment
Comprehensive Benefits
- Competitive salary with performance-based growth opportunities
- RRSP matching program
- Group Benefits Plan (health, dental, vision coverage)
- Employee Assistance Program for personal and professional support
- 4 weeks vacation
- Paid personal days and extended Christmas break
Professional Development
- Continuing education opportunities and certification support
- Modern technology and collaborative workspaces
- Clear advancement pathways within our expanding organization
Unique Perks
- Full commission on personal home and auto policies
- Regular team social events and company celebrations
- Work with cutting-edge insurance technology and diverse market access
Equal Opportunity & Accessibility
Morison Insurance is an equal opportunity employer committed to creating an inclusive workplace. We provide disability-related accommodations throughout our recruitment process. If you require any accommodations, please contact us or inform your interviewer during the selection process.
We appreciate all applications and will contact candidates selected for interviews directly.
Commercial Insurance Account Manager
Posted today
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Job Description
Salary:
Commercial Insurance Account Manager
Location: Simcoe, Ontario
Department: Commercial Lines
Employment Type: Full-Time, In-Office
About Morison Insurance
We're a family-owned insurance brokerage with deep Hamilton roots dating back to 1895. What started as a three-person downtown Hamilton office has grown into five locations with 100+ team members across Southern Ontario. We're guided by five core values: Go Beyond, Evolve, Own It, Our Promise, and Unified.
Our comprehensive insurance solutions include business, commercial auto, personal home and auto, recreational coverage, and specialized products. We're committed to innovation, exceptional service, and creating an environment where our team can thrive.
About This Role
As a Commercial Insurance Account Manager, you will be responsible for managing a portfolio of commercial clients, ensuring their insurance needs are met with expert advice and exceptional service. This role involves handling renewals, addressing client inquiries, marketing accounts to insurers, and supporting new business opportunities through referrals. Its a dynamic position suited for someone who thrives in a fast-paced, client-focused environment.
What You'll Do
- Managing and servicing commercial accounts
- Reviewing renewals with clients, providing coverage recommendations
- Assisting clients with their day-to-day inquiries
- Opportunities to write New Business through referrals
- Marketing existing accounts to insurance companies
- Developing insurance market knowledge in order to know where a risk will fit
- Understand wordings and coverages to be able to compare insurance policies and quotes
What We're Looking For
- RIBO license
- Knowledge in Commercial Property & Casualty, Commercial Auto, and Farm Insurance
- Completed, enrolled or interested in the Chartered Insurance Professional (CIP) courses would be an asset
- Strong communication skills with confidence in customer-facing conversations
- Previous customer service or sales experience
- Enjoys talking to people and building relationships
- Ability to manage multiple priorities in a fast-paced environment
- Valid G-class driver's license
- Collaborative mindset with enthusiasm for teamwork
- Experience with CRM systems or lead management platforms is an asset
Work Environment & Schedule
- In-office
- Monday-Friday schedule (8:30am-4:30pm) with early Friday closures during long weekends (May-October)
- Collaborative in-person team environment
Comprehensive Benefits
- Competitive salary with performance-based growth opportunities
- RRSP matching program
- Group Benefits Plan (health, dental, vision coverage)
- Employee Assistance Program for personal and professional support
- 4 weeks vacation
- Paid personal days and extended Christmas break
Professional Development
- Continuing education opportunities and certification support
- Modern technology and collaborative workspaces
- Clear advancement pathways within our expanding organization
Unique Perks
- Full commission on personal home and auto policies
- Regular team social events and company celebrations
- Work with cutting-edge insurance technology and diverse market access
Equal Opportunity & Accessibility
Morison Insurance is an equal opportunity employer committed to creating an inclusive workplace. We provide disability-related accommodations throughout our recruitment process. If you require any accommodations, please contact us or inform your interviewer during the selection process.
We appreciate all applications and will contact candidates selected for interviews directly.
Life & Commercial Insurance Specialist
Posted today
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Job Description
Life & Commercial Insurance Representative - Desjardins Agent Team Member
Location: Hamilton
Type: Full Time
Position Overview:
We are a local Hamilton Insurance Office looking to grow our Commercial & Life Insurance Business .
We are looking for an individiaul who is passionate & motivated to work hard. High energy individual who enjoys working with clients, Offering an exemplary client experience.
This position offers a Base salary + Commisions & Bonus structure upon meeting monthly/yearly targets. The role is targeted towards Life Insurance, Living Benefits and Commercial Insurance.
Responsibilities:
- Develop leads, schedule appointments, identify customer needs, and market appropriate products and services.
- Provide prompt, accurate, and friendly customer service.
- Assess clients needs and recommend appropriate solutions
- Ability to meet monthly targets as set out by Agent and individual
- Knowledge of Life Insurance & Living Benefit products, ideally holding your LLQP licence or ability to obtain within 1-2 months.
Requirements:
- Sales experience (outside sales or inside sales representative, retail sales associate, or telemarketing) preferred
- Successful track record of meeting sales goals/quotas preferred
- Excellent interpersonal skills
- Excellent communication skills - written, verbal and listening
- Proactive in problem-solving
- Dedicated to customer service
- Ability to multi-task
- Ability to make presentations to potential customers
- Property & Casualty license OTL for Commercial Sales (preferred/must be able to obtain)
- Desjardins requires clean back ground check along with clean credit bureau results.
Benefits of Working with us:
Competitive Salary, Commision & Bonus based on acheiving Monthly/Yearly targets, 3 paid weeks vacation to start + sick days, Paid benefits, Growth opportunities, A fun work environment w team building events.
Salary range $50,500- $56,500 depending on experience - Commissions not capped
Thank you to all who apply , only those candidcates who are successful to next steps will be contacted.
These positions are with an independent contractor agent that is part of the Desjardins exclusive agent network, not with Desjardins Group or its subsidiaries. This agents’ employees are not employees of Desjardins. Independent contractor agents are responsible for and make all employment decisions regarding their employee