Disclosure - Agent and Broker Compensation

We believe in being accountable to our members by being fiscally responsible with their assets. As a policyholder of Middlesex Mutual it is important that we keep you fully informed.

We partner with a professional team of agents and brokers to distribute our insurance products. Our agents work exclusively for us, while our brokers sell for a variety of companies. Compensation of our agents and brokers' is paid as a percentage of your insurance premium. Payment is for the services and value they provide to you, our members.

Standard commission we pay

Listed in the chart below are the standard commission rates paid by line of business.

Standard Commission

Line of Business

Base Commission


8% - 12.5%


13% - 20%


13% - 15%


13% - 20%

Middlesex Mutual does not offer any other form of compensation, remuneration or loans, nor does it hold any equity in any brokerage that distributes our insurance products.