What Essor Assurances does

Distribution is hybrid: dedicated broker-assisted sales via phone (1.833.370.2703) and four branch locations (Montreal HQ at 1100 boul. Robert-Bourassa, a second Montreal office on René-Lévesque Ouest, Mascouche, and Terrebonne), paired with self-serve online quote and policy management powered by Intact Insurance (Client Centre, mobile app, business portal). Revenue is generated through insurance brokerage commissions earned from carriers, principally Intact, for placing and renewing customer policies — a flow-based, recurring revenue model tied to the underlying insurance book. The company is actively expanding through acquisitions of small Quebec brokerages (Prima Assurances acquired June 2025; Paré Assurances integrated into the network) and targeted affinity partnerships with sector associations (Vélo Québec, FCMQ, FQCQ, Association des Orthopédagogues du Québec), under the leadership of President Michel Duval.

Name

Essor Assurances

Legal name

Essor Assurances Placements Conseils Inc.

Website

https://essor.ca

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

251–500 employees

Short description

Essor Assurances is a privately held Quebec-based insurance brokerage with 40+ years of operation, intermediating personal, commercial, and group insurance for individuals and businesses primarily through Intact Insurance and 50+ carrier partners across four branch locations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Professional Liability (E&O) (FSAJAGAC)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance solutions
• Group insurance programs
• Claims processing services

Headquarters

HQ city

Anjou

HQ country

Canada

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: ESSOR operates as an insurance broker earning commissions from insurance companies (primarily Intact Insurance) for placing customer policies. Acts as intermediary between customers and insurance providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Essor Assurances is a Quebec-based insurance brokerage that places personal, commercial, and group insurance policies on behalf of customers by acting as an intermediary between clients and insurance providers, primarily Intact Insurance. The firm offers a broad catalog of personal lines (auto, home, recreational vehicles, group insurance) and commercial lines (manufacturing, farm, transport, construction, hospitality, real estate, professional services, cybersecurity, surety bonds), supported by claims assistance and affinity programs such as Groupe Sage.

Product overview

ESSOR Assurances is a Quebec-based insurance brokerage offering a comprehensive portfolio of personal and commercial insurance products. The core offering includes personal lines (automobile, home, recreational vehicles, group insurance) and business insurance (manufacturing, farm, transport, construction, hospitality, real estate, professional services, cybersecurity, and surety bonds). The company also provides group retirement and insurance plans. ESSOR operates as an intermediary, working primarily with Intact Insurance as their main carrier partner, while maintaining relationships with numerous other insurers. The product portfolio includes affinity programs like Groupe Sage, claims services, and online client services powered by Intact's digital platform. The company has been expanding through acquisitions, including Prima Assurances in June 2025.

Differentiator

Problem solved

Functional benefit

Products and services

• Automobile Insurance Personal auto insurance coverage for individuals, underwritten and quoted through Intact Insurance and finalized with an ESSOR broker.
• Home Insurance Residential property insurance covering houses, condominiums, apartments, and cottages, provided by Intact Insurance.
• Recreational Vehicles Insurance Insurance coverage for recreational vehicles including snowmobiles, ATVs, and other leisure vehicles.
• Group Insurance (Personal) Group insurance programs for home and auto coverage, including employer-sponsored affinity programs for individuals.
• Manufacturing Insurance Commercial insurance solutions tailored for manufacturing businesses, covering property, liability, and operational risks.
• Farm Insurance Specialized insurance coverage for agricultural operations and farms.
• Transport Insurance Insurance products for transportation companies covering fleet vehicles, cargo, and liability.
• Surety Bonds Surety bond services for businesses requiring contractual guarantees.
• Small Business Insurance Comprehensive insurance packages designed for small business needs.
• Construction Insurance Insurance coverage for construction companies including builders' risk, liability, and contractors' coverage.
• Hotels and Restaurants Insurance Specialized commercial insurance for hospitality businesses including hotels, restaurants, and food service establishments.
• Real Estate Insurance Insurance solutions for real estate professionals and property owners.
• Tow Business Insurance Insurance coverage for towing operators and automotive service businesses.
• Professional Services Insurance E&O and liability coverage for professional service providers.
• Cybersecurity Insurance Cyber liability and data breach protection insurance for businesses.
• Group Retirement Plan Employer-sponsored retirement savings and pension programs for groups.
• Groupe Sage Program Exclusive group insurance program for SAGE Insurance and Group Retirement members, offering 1 month free on next contract and reduced deductibles on auto and home insurance.
• Claims Processing Services Claims submission and management services, with 24/7 online access through the Intact Insurance portal and broker advocacy throughout the claims process.

Named customers4 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

Partnerships

Eight partnerships are on record, tiered minor, core and strategic.

• Prima AssurancesminorOthers · 1 June 2025Acquired insurance firm located in Terrebonne, joined ESSOR network. Integration strengthens ESSOR's presence in Quebec and enriches service offerings. Prima Assurances distinguished by recognized expertise and personalized customer approach.
• Intact InsurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance partner - ESSOR primarily conducts business and has financial ties with Intact Insurance. All quotes are offered through Intact Insurance portal. Provides online services platform, Client Centre, and mobile app for policy management.
• SAGE Insurance and Group RetirementstrategicGTM or Marketing PartnerExclusive group insurance program partnership offering SAGE members exclusive advantages including 1 month free on next contract, reduced deductibles, and Intact Assurance Assistance services.
• Vélo QuébecstrategicStrategic or Co-development PartnerPartnership to provide specialized liability insurance for mountain bike trail managers. ESSOR offers a dedicated civil liability insurance program for Vélo Québec member cycling centers.
• Fédération des clubs de motoneigistes du Québec (FCMQ)coreChannel Partner/ Reseller/ DistributorESSOR/Intact Insurance is the official insurer of FCMQ, offering members preferential civil liability insurance rates when purchasing trail access rights.
• Fédération québécoise des Clubs Quads (FQCQ)coreChannel Partner/ Reseller/ DistributorESSOR/Intact Insurance is the official insurer of FQCQ, offering members preferential civil liability insurance rates with trail access rights.
• Paré AssurancesminorOthersInsurance firm that joined ESSOR network, expanding ESSOR's presence in Quebec.
• Association des Orthopédagogues du QuébecminorGTM or Marketing PartnerExclusive insurance program for members of the Association des Orthopédagogues du Québec.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Emerging players

• Sonnet Insurance: Sonnet Insurance is a Canadian direct-to-consumer digital P&C insurer wholly owned by Intact Financial, competing in Quebec auto and home. Comparable to ESSOR as a Quebec P&C distributor using Intact's platform, but operating via direct digital channels rather than broker-assisted sales.

Broad incumbents

• Marsh Canada (Marsh & McLennan): Marsh is a global risk and insurance brokerage with a significant Canadian presence serving commercial and corporate clients. Comparable to ESSOR in the commercial brokerage segment, especially for surety bonds, cyber, professional liability and construction specialty lines.
• Hub International: Hub International is a major North American insurance brokerage with Canadian operations, providing commercial, personal and specialty coverage and growing largely through acquisition of regional firms. Comparable to ESSOR as a multi-line brokerage using M&A as a growth lever.
• Aon Canada: Aon is a global risk and insurance brokerage with Canadian operations across commercial, personal and specialty lines. Comparable to ESSOR as a multi-line brokerage serving mid-market and enterprise clients with specialty placement capabilities.

Regional players

• Western Financial Group (Westport Insurance): Western Financial Group is a major Western Canadian insurance and financial services firm providing P&C and specialty coverage. Comparable to ESSOR as a Canadian regional independent broker with multi-carrier access, though it operates primarily in Western Canada.
• Promutuel Assurance: Promutuel Assurance is a Quebec-based mutual insurer offering personal and commercial P&C insurance through member mutuals. Comparable to ESSOR as a Quebec P&C competitor serving overlapping personal and commercial customer segments in the same province.

Direct peers

• Lussier Assurances: Lussier is a Quebec-based independent insurance and financial services brokerage offering personal and commercial coverage with multi-carrier access. Directly comparable to ESSOR as a Quebec-headquartered independent broker with both personal and commercial offerings.
• BrokerLink: BrokerLink is a Canadian insurance brokerage operating across multiple provinces and offering personal and commercial lines via Intact Financial's platform (Intact's retail broker brand). Directly comparable to ESSOR as a Canadian retail broker using Intact's quote platform with similar product breadth.
• BFL Canada: BFL Canada is one of Canada's largest independent insurance brokerages, providing commercial and personal P&C and specialty lines with multi-carrier access. Closely comparable to ESSOR as a Canadian independent brokerage leveraging 50+ carrier partners across personal and commercial lines.

Others

• CAA Insurance (Club Automobile Assicuranti): CAA Insurance offers affinity-based auto and home insurance in Quebec and Canada through the CAA membership network. Comparable to ESSOR as a Quebec P&C distributor using group/affinity channels (similar to ESSOR's SAGE and federation partnerships) to acquire and retain customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/share.php?u=https://www.essor.ca
• Xx.com/essorassurances
• LinkedInlinkedin.com/shareArticle?mini=true&url=https://www.essor.ca

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

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 Essor Assurances