There is little chance that you will find an affordable rate on a SS bike with your 20yo brother on the policy. ALL insurance companies will force your brother to be the principal operator because he is the most risky. I suggest that you exclude your brother on the policy using an OPCF28a endorsement (meaning that he can NEVER ride your bike under any circumstance) and then make your brother purchase and insure a non-SS bike of his own (or perhaps insure the Ninja 250 that is in your signature).
http://www.fsco.gov.on.ca/en/auto/au.../a-03_05-1.pdf
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