If you are talking about Hamilton/Burlington/Oakville...
The vast majority of the local young indys will only offer fully covered service (CBJ) and no kissing (or minimal light kissing) as the norm. Definitely avoid of the ones with bad reviews (usually it means a cold offputting attitude, or extremely poor service like restricting standard positions). Sometimes better service is provided if it's a more mature lady.
The indys who provide better service are usually established or are visiting (friendly attitude, adequate light kissing, no restriction on standard positions... sometimes BBBJ, DATY, occasionally decent DFK) . They will have several positive reviews.
In Oakville, the agencies DD and SFT have condos that some of their girls rotate through. Unless you're unhygenic, BBBJ+light kissing are offered 99% of the time (often DATY, occasionally decent DFK).
Basically if you are new go with well-reviewed indys or well-reviewed agency ladies (DD/SFT), it will save you a lot of headache and regret.