Razza, our small strata just went through the exact same issues 6 years ago. We also go thru a broker and are insured with CHU.
1) Does this seem a reasonable amount to pay for very vanilla insurance for three units? Our increase was from premiums $2600 to $3365. When we got to policy I asked the broker if they could get cheaper and they came back with 2 other quotes close to but more expensive and said the increase was industry wide.
2) Is 14.5 percent a reasonable amount for brokerage? I don’t know but see answer 3.
3) Can we avoid using a broker and just go direct to the insurer? My understanding and certainly experience (but this is limited) is that an insurance company will charge you the same whether or not you use a broker ie you won’t get it cheaper by not using a broker.
Cosmo