Insurance commissions are one of the biggest and most understood scams in strata.
Let’s start at the beginning. If an OC goes directly to an insurer it will pay $x for a policy.
If the OC goes to a broker, they will pay $x for their policy. The insurance company pays the broker a “ spotters” fee.
Some brokers will then charge an additional brokerage fee. It can be justified if it requires additional work for the broker to find your insurance.
Then in some cases the broker will split this extra commission with the strata manager. Essentially a kickback to the strata manager for choosing thst broker.
In any of the above cases, the OC is paying the commission or broker fees.
My recommendation is get the committee to find a broker who does not charge an extra fee above what the insurance company pays them.