DUUO

What DUUO does

DUUO is a Canadian digital, on-demand, self-serve insurance platform operated by Co-operators General Insurance Company, a subsidiary of The Co-operators Group Limited. The platform distributes a portfolio of personal and small-commercial insurance products — tenant, event, vendor, home, and auto — directly to Canadian consumers via duuo.ca, with quote, purchase, policy management, and claims submission handled through online flows and payment processed by Stripe.

The underlying technology is a cloud-based insurance platform with a published Developer Portal (developer.duuo.ca) and an embedded insurance API, co-developed with Slice Labs Inc., which enables third-party platforms to offer DUUO's products in-context. Named embedded partners include Tenantcube (flagship proptech integration), Univerus, and Activate Space; channel partners include Farmers Market Ontario, the Alberta Farmers Market Association, and the BC Association of Farmers Markets. The platform is registered for sale across multiple Canadian provinces, including AMF registration #514163 in Quebec, with product availability varying by line and province.

DUUO generates revenue through insurance premiums on direct consumer policies and revenue share/commissions on policies sold through embedded partner integrations, with bundle discounts (up to 15% home+auto, 10% tenant+auto) driving cross-sell. The company competes on digital convenience, embedded distribution, and the underwriting backing of Co-operators' 80+ year insurance franchise, while it has announced an exit from the vendor insurance line effective November 30, 2026.

Name

DUUO

Legal name

Co-operators General Insurance Company

Website

https://duuo.ca

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

DUUO is a Canadian digital insurance platform, backed by Co-operators General Insurance Company, that sells tenant, event, vendor, home, and auto insurance direct-to-consumer and via an embedded insurance API integrated into third-party platforms such as Tenantcube.

Ownership category

akta.pro rank

Product category

Digital Insurance

akta.pro primary industry

Claims Management & Digital FNOL Platforms (FSAGAGAC)

Keywords

• On-demand digital insurance
• Embedded insurance platform
• Tenant insurance online
• Event liability coverage
• Insurance API integration

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Duuo generates revenue through insurance premiums paid by customers purchasing tenant, event, vendor, home, and auto insurance policies. Premiums are collected via Stripe payment processing and policies are underwritten by Co-operators General Insurance Company.
2. Embedded Insurance Revenue Share: Revenue is generated through embedded insurance partnerships where Duuo's API is integrated into partner platforms. Partners benefit from new revenue streams while Duuo earns commissions from policies sold through these distribution channels.
3. Bundle Discounts: Cross-selling opportunity where bundling home+auto saves customers up to 15% and tenant+auto saves up to 10%, driving multi-policy adoption and increased customer lifetime value.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

DUUO is a digital, on-demand, self-serve insurance platform that sells tenant, event, vendor, home, and auto insurance directly to Canadian consumers via its website. It also offers an embedded insurance API platform that enables third-party businesses (proptech, event management, marketplace platforms) to integrate and resell DUUO's insurance products within their own digital experiences. All policies are underwritten by Co-operators General Insurance Company.

Product overview

Duuo by Co-operators is a digital, on-demand, self-serve insurance platform offering a portfolio of insurance products including Tenant Insurance, Event Insurance, Vendor Insurance, Home Insurance, and Auto Insurance. The company operates an Embedded Insurance Partnership Platform that allows third-party brands to integrate Duuo's insurance offerings directly into their customer experiences via API. All insurance products are underwritten by Co-operators General Insurance Company and backed by 80+ years of insurance expertise.

Differentiator

Problem solved

Functional benefit

Products and services

• Tenant Insurance Personal property and liability coverage for Canadian renters, covering replacement or repair of personal belongings and personal liability for accidental property damage or unintentional bodily injury to others. Available with annual policies and monthly installment options.
• Event Insurance Liability insurance that protects event hosts in case of accidents during weddings, fundraisers, conferences, sports tournaments, and similar events. Covers bodily injury, property damage, tenant's legal liability, and medical payments; optional host liquor liability coverage is available for non-sporting events.
• Vendor Insurance Insurance coverage for vendors attending events with booths, covering liability with $2M or $5M limits and optional business property coverage. Available as single-event policies or multi-day flex policies through farmers market association partnerships (FMO, AFMA, BCAFM). DUUO is exiting this product effective November 30, 2026.
• Home Insurance Coverage protecting Canadian homes and contents from risks such as fire, lightning, and other incidents that could result in home repairs or replacement of belongings. Includes flood protection and decreasing deductibles features.
• Auto Insurance Vehicle coverage with mandatory coverages (liability, accident benefits, uninsured automobile protection) and optional coverages such as collision, comprehensive, waiver of depreciation, and physical damage extension. Available in six Canadian provinces with bundle savings up to 15% when combined with home insurance.
• Embedded Insurance Partnership Platform API technology platform enabling partners (proptech, event management, marketplace platforms such as Tenantcube, Univerus, and Activate Space) to integrate DUUO's insurance products into their own platforms, websites, or apps for seamless embedded insurance purchase within their customer experience. Includes a Developer Portal with API documentation.

Quantifiable outcome

• Save up to 15% by bundling home and auto insurance
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and flagship.

• Co-operators General Insurance CompanycoreStrategic or Co-development PartnerCo-operators General Insurance Company is the parent organization underwriting all Duuo insurance products. Duuo is a digital insurance brand backed by Co-operators' 80+ years of insurance expertise. Co-operators provides regulatory licensing across Canadian provinces (AMF registration #514163 in Quebec), claims processing infrastructure, and risk management capabilities. All Duuo policies are underwritten, offered, and administered by Co-operators General Insurance Company.
• Slice Labs Inc.coreTechnology or IntegrationSlice Labs Inc. facilitated the provision of Duuo's proprietary software platform. Slice developed the platform technology enabling Duuo to offer quote, purchase, policy management, and claims submission services. Both Duuo and Slice co-own intellectual property rights to the platform content and code.
• TenantcubeflagshipOEM/ Whitelabel/ Licensing PartnerTenantcube embeds Duuo's tenant insurance API into their property management platform, enabling renters to purchase coverage without leaving the app. The partnership provides direct access to affordable tenant insurance for Tenantcube users, with proof of coverage automatically sent to landlords and property managers.
• UniveruscoreOEM/ Whitelabel/ Licensing PartnerUniverus is a platform partner integrating Duuo's embedded insurance API, offering insurance solutions to their customer base through seamless platform integration.
• Activate SpacecoreOEM/ Whitelabel/ Licensing PartnerActivate Space is a platform partner embedding Duuo's insurance capabilities into their platform, providing insurance access to their customer ecosystem.
• Farmers Market Ontario (FMO)coreChannel Partner/ Reseller/ DistributorFMO is a farmers market association offering Duuo's vendor insurance to their member vendors. Members receive preferred partner pricing on multi-day flex policies for craft shows and market events. Policyholders must maintain valid FMO membership.
• Alberta Farmers Market Association (AFMA)coreChannel Partner/ Reseller/ DistributorAFMA offers Duuo's vendor insurance to Alberta farmer market vendor members with preferred pricing on flex policies. Partnership enables members to purchase coverage through the preferred partner flow.
• British Columbia Association of Farmers Markets (BCAFM)coreChannel Partner/ Reseller/ DistributorBCAFM provides Duuo vendor insurance access to British Columbia farmer market members. Members can purchase multi-day flex policies at preferred rates through the association's preferred partner flow.
• Stripe, Inc.coreTechnology or IntegrationStripe processes payment for Duuo insurance premiums and applicable taxes. Stripe accepts credit cards and debit cards (VISA and Mastercard). Duuo, Co-operators, and Stripe are unaffiliated companies with Duuo having no influence on Stripe's operations.

Scale indicators6 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• APOLLO Insurance: Canadian insurtech offering digital, on-demand insurance products (home, tenant, auto, business) sold direct and embedded through partner platforms. Closely comparable business model to DUUO across both D2C and embedded distribution within Canada.
• Zensurance: Canadian digital commercial and small business insurance platform offering online quotes and policies for SMBs. Comparable as a Canadian insurtech with embedded/API distribution and small business focus overlapping with DUUO's small business insurance line.
• Sonnet Insurance: Canadian 100% online P&C insurer backed by Intact Financial, offering home and auto insurance through a fully digital self-serve experience. Comparable as a digitally-native Canadian P&C insurer with similar product lines (home, auto) and online quote/purchase flow.
• CoverWallet (Aon): Digital commercial insurance platform enabling SMBs to purchase coverage online with embedded/API distribution capabilities; now part of Aon. Comparable as an insurtech with embedded insurance DNA serving small business and consumer segments.

Emerging players

• PolicyMe: Canadian digital life insurance platform offering term life and other coverage online. Comparable as a Canadian insurtech focused on digital self-serve purchase experience, though concentrated in life rather than P&C.
• Lemonade: AI-driven digital insurance company offering renters, home, auto, pet and life insurance through a mobile-first experience with embedded partnership distribution. Comparable as a benchmark digital-native insurer with similar self-serve UX and embedded product strategy, though operating at much larger scale and primarily in the US/EU.

Broad incumbents

• The Co-operators Group Limited: Parent organization of DUUO and one of Canada's largest diversified insurers and financial services cooperatives. Comparable as the incumbent carrier that funds, underwrites, and provides regulatory infrastructure for DUUO's products.
• Belairdirect: Established Canadian direct-to-consumer P&C insurer (Intact Financial subsidiary) offering home and auto insurance online. Comparable as a larger incumbent digital insurance provider in Canada operating in similar product categories.
• Intact Financial Corporation: Canada's largest P&C insurer operating multiple digital brands (Sonnet, Belairdirect). Comparable as the dominant incumbent whose direct digital brands compete head-on with DUUO in home and auto, and as a strategic parent model analogous to Co-operators backing DUUO.

Others

• Slice Labs: Technology provider that built DUUO's insurance platform and co-owns IP with DUUO. Comparable as an enabling technology partner in the on-demand/embedded insurance infrastructure stack and a potential competitor for white-label platform deals.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/heyduuo
• Facebookfacebook.com/duuoinsurance

Compliance2 records

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&A

Investments

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

Frequently asked questions about DUUO