InsureLine Brokers

What InsureLine Brokers does

InsureLine Brokers Inc. is a Canadian insurance brokerage operating a franchise network of more than 40 independently owned offices across British Columbia, Alberta, Saskatchewan, Manitoba, and Ontario, headquartered in Port Coquitlam, BC. The company serves both personal lines customers (home, auto, condo, renters, motorcycle, boat, classic car, recreational vehicle, travel, and wedding/event insurance) and commercial clients (commercial property, contractors, general liability, professional liability, cyber liability, directors & officers, errors & omissions, retail, transportation & trucking, and nonprofit D&O). Its core differentiator is access to a panel of over 30 insurance carriers, allowing franchise brokers to shop the market rather than act as captive agents for a single insurer.

The business is structured around a cloud-based broker management system that franchisees use for policy administration, quoting, and client intake workflows, supplemented by an in-house marketing agency providing websites, content, social media, and print collateral. Supporting services include an online ICBC Autoplan renewal request portal (BC only) and an exclusive home insurance referral partnership with mortgage brokers and realtors that captures demand at the point of mortgage origination. The affiliated entity InsureLine Solutions Inc. acts as a licensed intermediary for Ontario commercial placements.

Revenue is generated entirely through carrier-paid commissions disclosed in the Ontario Brokerage Disclosure at 5-20% for property and 6-12.5% for auto, with some carriers offering Contingent Profit Commission (CPC) programs tied to growth, profitability, volume, and retention. The company is privately held with no identified outside equity backing, operating in a single country (Canada) with no public financial disclosures available.

Name

InsureLine Brokers

Legal name

InsureLine Brokers Inc.

Website

https://insureline.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

501–1,000 employees

Short description

InsureLine Brokers is a Canadian insurance brokerage operating a franchise network of 40+ offices across five provinces, placing personal and commercial insurance through 30+ carrier partnerships for individual consumers and small-to-mid businesses.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Lines Insurance Brokerage (FSAEADAB), Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Insurance brokerage
• Personal insurance
• Commercial insurance
• Franchise network
• Multi-carrier broker

Headquarters

HQ city

Port Coquitlam

HQ country

Canada

HQ region

North America

Offices41 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Broker Commissions from Insurance Carriers: InsureLine earns commissions from insurance carriers for policies placed. Commission rates are disclosed in the Ontario Brokerage Disclosure, ranging from 5-20% for property insurance and 6-12.5% for auto insurance depending on the carrier. Some insurers also offer Contingent Profit Commission (CPC) programs based on growth, profitability, volume, and retention.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

InsureLine Brokers is a Canadian insurance brokerage franchise network that intermediates between insurance carriers and end customers. It places personal and commercial insurance policies on behalf of clients using access to over 30 insurance providers, earning commissions from carriers rather than fees from customers. Supporting services include ICBC Autoplan renewal processing in British Columbia and a referral program for mortgage brokers and realtors.

Product overview

InsureLine Brokers is a Canadian insurance brokerage franchise network that operates as a multi-product insurance intermediary. The core offering consists of two main product lines: Personal Insurance (covering home, auto, boat, classic car, condo, motorcycle, recreational vehicle, renters/tenant, travel, and wedding/event insurance) and Commercial Insurance (covering commercial property, contractors, cyber liability, directors & officers, errors & omissions, general liability, health & fitness practitioner, nonprofit D&O, professional liability, retail store, and transportation & trucking insurance). The company differentiates through market access to over 30 insurance providers, enabling brokers to shop for the best deals on behalf of customers. Supporting services include ICBC Autoplan renewal processing for British Columbia customers and a referral program for mortgage brokers and realtors. The franchise model provides independent broker locations across Canada with cloud-based broker management technology, in-house marketing, and exclusive partnership channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Insurance Insurance coverage for individuals including home, auto, boat, classic car, condo, motorcycle, recreational vehicle, renters/tenant, travel, and wedding/event insurance.
• Commercial Insurance Business insurance coverage including commercial property, contractors, cyber liability, directors and officers, errors and omissions, general liability, health and fitness practitioner, nonprofit D&O, professional liability, retail store, and transportation and trucking insurance.
• Home Insurance Coverage protecting homeowners' largest investment and belongings, often required by banks for mortgage qualification.
• Auto Insurance Vehicle coverage with personalized quotes and coverage amounts for personal use, including teen and at-risk drivers.
• Boat Insurance Coverage for boats and personal watercraft including sail boats, power boats, and yachts against accidents on water.
• Classic Car Insurance Specialized coverage for older vehicles driven on a limited basis that increase in value based on age, model, and restoration, including liability, collision, comprehensive, and uninsured motorist coverage.
• Condo Insurance Protection for condominium and townhouse owners against risks from shared building areas, faulty wiring, or corroded pipes.
• Motorcycle Insurance Coverage for motorcyclists including liability, passenger protection, and property coverage against accidents and theft.
• Recreational Vehicle Insurance Coverage for motor homes, trailers, jet skis, snowmobiles, and all-terrain vehicles used off-property.
• Renter and Tenant Insurance Coverage protecting renters from damage they cause to properties and covering personal belongings against accidents, fire, and theft.
• Travel Insurance Coverage for trip cancellation, lost luggage, personal belongings, and emergency travel situations.
• Wedding and Event Insurance Coverage protecting event planners and hosts from accidents, unexpected circumstances, and liability involving special lighting, dance floors, fixtures, tents, and guest activities.
• Commercial Property Insurance Coverage for commercial structures, outdoor fixtures, signs, contents, products, equipment, flooring, and electronic equipment.
• Contractors Insurance Coverage for construction businesses including carpenters, electricians, general contractors, janitors, painters, plumbers, roofers, security workers, and welders against worksite hazards.
• Cyber Liability Insurance Protection against data security and privacy breaches covering confidential employee data, medical data, customer information, and client data with notification costs, response management, lawsuits, and regulatory fines.
• Directors and Officers Insurance Coverage protecting business executives and directors from personal asset exposure when companies are sued.
• Errors and Omissions Insurance Protection against negligence claims when prescribed methods work for most clients but produce poor results for others.
• General Liability Insurance Coverage protecting company assets and paying for settlements, medical costs, or legal fees from accidents, property damage, false advertising, libel, slander, or copyright infringement.
• Health and Fitness Practitioner Insurance Coverage for individual practitioners and health and fitness premises against bodily injury to others and property damage from fitness instruction activities.
• Nonprofit Directors and Officers Insurance Protection for nonprofit directors, officers, employees, volunteers, trustees, committee members, and the non-profit entity itself against lawsuits.
• Professional Liability Insurance Coverage (also known as Malpractice Insurance) protecting professionals such as consultants, doctors, lawyers, accountants, and engineers from negligence consequences of advice given.
• Retail Store Insurance Coverage for retail businesses including convenience stores, car washes, shoe stores, second-hand furniture stores, and dollar stores against unforeseen events.
• Transportation and Trucking Insurance Coverage for businesses owning semi-trucks, box trucks, cement trucks, tractor-trailers, or truck fleets against liability from the size and weight of vehicles.
• ICBC Autoplan Renewal Service Online renewal request service for ICBC Autoplan policies in British Columbia, processing renewals, cancellations, temporary operating permits, policy changes, and storage policies by phone.
• Home Insurance Referral Program Partner referral program allowing mortgage brokers and realtors to refer clients for home insurance with tracking throughout the process.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• Intact InsurancecoreOthersPrimary insurance carrier partner offering property and auto insurance products through InsureLine's broker network. Compensation: 20% property, 10-12.5% auto commissions.
• AvivacoreOthersMajor insurance carrier partner. Compensation: 20% property, 10-12.5% auto commissions. Also offers Contingent Profit Commission programs.
• Wawanesa MutualcoreOthersMutual insurance company partner. Compensation: 20% property, 10-12.5% auto commissions.
• Economical InsurancecoreOthersInsurance carrier partner. Compensation: 20% property, 10-12.5% auto commissions.
• Gore MutualcoreOthersMutual insurance company partner. Compensation: 20% property, 10-12.5% auto commissions.
• Travelers CanadacoreOthersInsurance carrier partner. Compensation: 20% property commissions. Also offers Essential and standard auto products.
• ChubbminorOthersInsurance carrier partner listed in franchise support materials.
• Max InsuranceminorOthersInsurance carrier partner listed in franchise support materials. Property insurance focus.
• OptimumminorOthersInsurance carrier partner listed in franchise support materials.
• TuGominorOthersInsurance carrier partner, particularly for travel insurance products.
• HagertyminorOthersInsurance carrier partner specializing in classic car coverage.
• Family Insurance SolutionsminorOthersInsurance carrier partner listed in franchise support materials.
• Lions Gate UnderwritingminorOthersInsurance carrier partner, particularly for BC market.
• ICBC AutoplancoreOthersBC government auto insurance provider. InsureLine is an authorized Autoplan broker offering renewal and new policy services.
• Mortgage Brokers and RealtorscoreChannel Partner/ Reseller/ DistributorExclusive partnership network for home insurance referrals. Mortgage brokers and realtors refer clients who need home insurance as a condition of mortgage funding. Referral process includes consent forms and credit check authorizations.
• InsureLine Solutions Inc.coreOthersAffiliated company sharing ownership with InsureLine Brokers Inc. Licensed intermediary in Ontario. Commission rates range 7.5% to 17.5% with no CPC agreements.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Hub International: Global brokerage with a large Canadian footprint across personal and commercial lines, overlapping InsureLine's offerings as a much larger consolidator.
• BrokerLink: Large Intact-owned national Canadian brokerage placing personal and commercial lines across many carriers, overlapping directly with InsureLine but at far greater scale.

Emerging players

• Surex: Alberta-based digital insurance brokerage that shops 25+ carriers online for home and auto, overlapping InsureLine's multi-carrier personal lines value proposition with a digital-first model.
• Apollo Insurance: Canadian digital insurance platform offering instant online policies for personal and small-commercial lines, an online-distribution rival to InsureLine's brokerage offering.
• Zensurance: Toronto-based digital brokerage focused on small business and commercial insurance, competing with InsureLine's commercial lines through an online distribution approach.

Regional players

• McDougall Insurance: Ontario-focused multi-line independent brokerage with a network of community offices, comparable to InsureLine's local-office personal and commercial model in a different primary geography.
• Excalibur Insurance Group: Southwestern Ontario community-based brokerage offering personal, commercial, and farm lines, similar to InsureLine's local broker model in a specific regional market.

Direct peers

• Westland Insurance: BC-headquartered national brokerage offering personal, commercial, and auto insurance across Canada, competing directly with InsureLine in its core western Canadian markets.
• Mitch Insurance: Ontario-based independent brokerage placing home, auto, and commercial insurance across multiple carriers, directly comparable to InsureLine's broker model.
• Billyard Insurance Group: Canadian insurance brokerage that grows through a franchise/partner-broker model across personal and commercial lines, closely mirroring InsureLine's multi-carrier franchise structure.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/InsureLineInc
• Facebookfacebook.com/insurelinebrokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about InsureLine Brokers