As has been mentioned, you have that layout wired
correctly. The Insulfrog turnouts do not require
insulated joiners...I'm afraid my friend, Tractionfan,
was thinking of Electrofrog turnouts which do require
them in the frog rails.
The reason Electrofrogs need insulated joiners is that
the frog phase changes when points are moved. Without
the insulated joiners you would have a short circuit.