McDougall Insurance & Financial

What McDougall Insurance & Financial does

McDougall Insurance & Financial is a privately held Ontario insurance brokerage founded in 1946 and headquartered in Belleville. The firm operates as an independent broker, representing more than 50 insurance carriers and distributing personal, commercial, farm, and life/financial products through a network of 40+ physical branch locations across Ontario, supported by phone-based broker lines, online quote requests, the MyMcDougall web portal, and a 24/7 claims-submission mobile app. The product catalog spans auto (including classic, high-risk, and young-driver lines), home (condo, cottage, AirBnB, renters, builder's risk), recreational (ATV, boat, motorcycle, snowmobile, RV), life and health (individual life, group benefits, critical illness, disability, long-term care, mortgage, travel), commercial business insurance across 35+ industry-specific verticals (contractors, cyber, fleet, forestry, mining, manufacturing, retail, transportation, food truck, winery/brewery, etc.), and farm insurance (dairy, crop, poultry, hobby). Underlying technology is conventional brokerage infrastructure: a multi-carrier quoting platform, a self-service portal, a mobile claims app with encrypted data and photo upload, and an online payment system supporting credit card, e-transfer, and monthly installments.

Name

McDougall Insurance & Financial

Legal name

McDougall Insurance

Website

https://mcdougallinsurance.com

Company type

Private

Founded year

1946

Operating status

Operating

Headcount range

251–500 employees

Short description

Ontario-based independent insurance brokerage founded in 1946, distributing auto, home, commercial, farm, and life/financial products through 40+ branches as a broker representing 50+ carriers, serving individuals, SMBs, and farms across Ontario.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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 industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Commercial insurance products
• Personal lines insurance
• Farm insurance coverage
• Multi-carrier insurance broker

Headquarters

HQ city

Belleville

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, Others

Revenue model

1. Insurance Brokerage Commissions: McDougall Insurance earns commissions from insurance carriers for policies placed on behalf of customers. As an independent broker, they represent over 50 insurance companies and receive compensation based on premiums written.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

McDougall Insurance & Financial is an independent insurance brokerage that places personal, commercial, farm, and life insurance policies on behalf of clients by representing more than 50 insurance carriers. The company sells auto, home, recreational, life, business, and farm insurance products through 40+ branch locations across Ontario, supported by online quote requests, a self-service web portal (MyMcDougall), a mobile claims app, and an online payment system. Revenue is generated through commissions received from the insurance carriers for policies written by its licensed brokers.

Product overview

McDougall Insurance & Financial is an Ontario-based insurance brokerage offering a comprehensive portfolio of insurance products through both personal and commercial lines. The company operates as a broker model, representing over 50 insurance companies to provide tailored coverage solutions. Personal insurance offerings include Auto Insurance (with Classic Car, Experienced Drivers, High Risk, and Young Drivers sub-products), Home Insurance (with Condo, Cottage, AirBnB, Renters, and Builder's Risk sub-products), Recreational Insurance (covering ATVs, Boats, Motorcycles, Snowmobiles, and RVs), and Life Insurance (including Health Benefits, Travel, Group Benefits, Critical Illness, Disability, Long Term Care, Mortgage, Investment, and Financial Planning). Commercial insurance includes Business Insurance across 35+ industry-specific coverages (Contractors, Cyber, Fleet, Liability, Manufacturing, Retail, Transportation, etc.) and Farm Insurance (Dairy, Crop, Poultry, and Hobby Farm). The company supplements its core products with self-service capabilities including the MyMcDougall web portal and mobile app for claims submission and policy management, plus an online payment system.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance coverage for Ontario drivers, including mandatory liability, collision, comprehensive, and optional endorsements. Sub-products include Classic Car, Experienced Drivers, High Risk, and Young Drivers insurance. Available through branches, online quotes, and phone.
• Home Insurance Property insurance coverage protecting dwellings and contents against risks for Ontario homeowners. Sub-products include Condo, Cottage, AirBnB, Renters, and Builder's Risk insurance.
• Recreational Insurance Insurance coverage for recreational vehicles and activities including ATV, Boat, Motorcycle, Snowmobile, and RV & Travel Trailer insurance. Targeted at Ontario recreational vehicle owners.
• Life Insurance and Financial Services Life and financial insurance products including Individual Life, Health Benefits, Travel, Group Benefits, Critical Illness, Disability, Long Term Care, Mortgage, Investment, and Financial Planning. Targeted at individuals and groups in Ontario.
• Business Insurance Commercial insurance for Ontario businesses across 35+ industry-specific coverages including Contractors, Cyber, Fleet, Liability, Manufacturing, Retail, Transportation, Professional Liability, and more. Targeted at small and mid-market businesses.
• Farm Insurance Agricultural insurance coverage for Ontario farms including Dairy Farm, Crop Farm, Poultry Farm, and Hobby Farm insurance. Covers property, equipment, livestock, and crops.
• MyMcDougall Online Portal Online self-service portal allowing clients to manage their insurance policies, submit claims, and access insurance documents 24/7 through the web.
• MyMcDougall Mobile App Mobile application for submitting insurance claims 24/7, with encrypted information transmission, photo upload capabilities, and expert advice from the claims team.
• Online Payment System Digital payment platform supporting multiple payment methods including bank account, credit card (3.4% service charge), e-transfer, monthly payments, and in-office debit.

Quantifiable outcome

• Access to representation from over 50 insurance companies
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Six partnerships are on record, tiered minor.

• Tailored Insurance Services Inc.minorStrategic or Co-development Partner · 22 May 2026New strategic partnership with Tailored Insurance Services Inc. in Richmond Hill, Ontario. Described as a portfolio-driven boutique insurance brokerage joining the McDougall team.
• Excalibur InsuranceminorChannel Partner/ Reseller/ DistributorPart of McDougall Insurance Group, an affiliated insurance brokerage network
• McFarlan RowlandsminorChannel Partner/ Reseller/ DistributorPart of McDougall Insurance Group, an affiliated insurance brokerage network
• DraydenminorChannel Partner/ Reseller/ DistributorPart of McDougall Insurance Group, an affiliated insurance brokerage network
• MHK InsuranceminorChannel Partner/ Reseller/ DistributorPart of McDougall Insurance Group, an affiliated insurance brokerage network
• Duliban InsuranceminorChannel Partner/ Reseller/ DistributorPart of McDougall Insurance Group, an affiliated insurance brokerage network

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• BrokerLink: One of Canada's largest personal and commercial insurance brokerages with multi-branch retail distribution across multiple provinces, including Ontario. Direct competitor for personal auto, home, and commercial lines, with similar multi-carrier representation model.
• Westland Insurance Group: Canadian insurance brokerage with significant Ontario presence offering personal, commercial, and specialty insurance. Competes head-to-head on multi-line brokerage services with comparable branch-based distribution and multi-carrier access.
• Hub International: Large North American insurance brokerage with Canadian operations serving both personal and commercial lines. Comparable as a multi-line broker with carrier relationships and digital service overlays; competes for the same Ontario SMB and individual customers.

Broad incumbents

• Marsh Canada: Global insurance brokerage and risk advisory firm with substantial Canadian operations, specializing in commercial and specialty lines. Overlaps with McDougall's commercial and specialty brokerage capabilities but operates at a larger enterprise scale.
• Aon Canada: Global professional services firm with a major Canadian insurance brokerage arm focused on commercial risk and specialty coverage. Comparable to McDougall's commercial insurance division but with broader enterprise reach.
• Intact Insurance: Canada's largest property and casualty insurer, distributing through both direct and broker channels. As one of McDougall's key carrier partners and a direct competitor for personal and commercial insurance, Intact is both an upstream supplier and downstream competitor.
• Aviva Canada: Major Canadian P&C insurer with both direct and broker distribution including significant Ontario operations. Comparable carrier-side overlap with McDougall's product portfolio and one of McDougall's named carrier partners.
• Cooperators: Canadian multi-line insurer and brokerage with strong Ontario presence via direct agents and broker networks. Overlaps in personal, commercial, and farm insurance — areas where McDougall also operates.

Emerging players

• Sonnet Insurance: Digital-first Canadian personal insurance provider operated by Definity (McDougall's parent-affiliated carrier). While Sonnet targets online auto and home buyers who might otherwise use a broker, it is thematically linked as a Definity portfolio company potentially cannibalizing broker demand.

Others

• Duliban Insurance Brokers: Ontario-based insurance brokerage now part of the McDougall Insurance Group network after acquisition in June 2025. Comparable as a regional Ontario brokerage offering similar multi-line personal and commercial products prior to integration.

Market position

Strengths1 record

Weaknesses1 record

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mcdougallins
• Facebookfacebook.com/thedougallers
• LinkedInlinkedin.com/company/mcdougall-insurance/?originalSubdomain=ca

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A2 records

Investments

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

Frequently asked questions about McDougall Insurance & Financial