Harmonia Assurance
Harmonia Assurance is a private Quebec damage insurance brokerage operating six regional branches in Abitibi-Témiscamingue, distributing personal, commercial, and specialty professional liability products through a broker network anchored by an Intact Assurance partnership.
- Company typePrivate
- Founded2014
- HeadquartersRouyn-noranda, Canada
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What Harmonia Assurance does
Harmonia Assurance is a private damage insurance brokerage (cabinet en assurance de dommages) headquartered in Rouyn-Noranda, Quebec, operating across six branches in the Abitibi-Témiscamingue region and serving individual and business clients throughout Quebec. The company distributes personal lines (auto, habitation, recreational vehicles, group insurance) and commercial lines (agricultural, mining, trucking, manufacturing, surety, garage, commercial building and vehicles, directors and officers, general liability, cybersecurity), and runs the ProtecPRO affinity network delivering specialized professional liability programs for industry associations such as RQRA, APCHQ, ACTA, NAPA AUTOPRO, and Anges Québec. A financial advisory sub-brand, Harmonie Financière, extends the offering into banking and investment counseling.
The company's technology footprint is centered on integration with Intact Assurance — Canada's largest P&C insurer — including web-based online quoting for auto, home, and commercial policies via Intact sub-broker codes and the Intact mobile application for claims submission and roadside assistance. The proprietary layer is limited to broker-led service workflows, regional distribution, and the ProtecPRO program packaging; no public API, SDK, or in-house data platform is offered, and no patents or AI capabilities are disclosed.
Harmonia earns revenue primarily through carrier commissions on policies placed, representing multiple insurers including Intact Assurance as the principal partner, alongside April Canada, AXA, Chubb, Economical, Aviva, Northbridge, Wawanesa, and AXA Art. Distribution runs through in-person brokers across the six branches, a phone contact center, online quote self-service, and the La Turquoise authorized agency channel. In June 2025, Harmonia announced a consolidation merger with La Turquoise and DPJL cabinets to consolidate leadership in Quebec's damage insurance industry while preserving local branch presence.
Harmonia Assurance firmographics
Firmographics- Name
- Harmonia Assurance
- Legal name
- Harmonia Assurance
- Website
- https://harmoniaassurance.com
- Company type
- Private
- Founded year
- 2014
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Harmonia Assurance is a private Quebec damage insurance brokerage operating six regional branches in Abitibi-Témiscamingue, distributing personal, commercial, and specialty professional liability products through a broker network anchored by an Intact Assurance partnership.
- Ownership category
- akta.pro rank
Harmonia Assurance industry classification
Industry- Product category
- Insurance Brokerage (Property and Casualty)
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411), Surety Insurance (6351), Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Reinsurance Brokerage (FSAEADAE)
- akta.pro secondary industries
- Earthquake & Difference-in-Conditions (DIC) Property Insurance (FSAJACAH), Surety & Fidelity Bonds (FSAJAKAJ)
Keywords
Where Harmonia Assurance is headquartered
LocationHeadquarters
- HQ city
- Rouyn-noranda
- HQ country
- Canada
- HQ region
- North America
Offices3 records
Markets served
Harmonia Assurance business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Brokerage Commissions: Harmonia Assurance operates as an insurance brokerage (cabinet en assurance de dommages), earning commissions from insurance carriers for policies placed. The company represents multiple insurance providers including Intact Assurance as primary partner, along with April Canada, AXA, Chubb, Economical, and numerous other insurers for personal and commercial lines.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | Auto insurance quotes via Intact Assurance platform |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Harmonia Assurance product offering
Product offeringCore offering
Harmonia Assurance is a Quebec-licensed damage insurance brokerage (cabinet en assurance de dommages) that places personal and commercial property and casualty insurance policies with multiple carriers, primarily Intact Assurance, on behalf of individual and business clients. The brokerage also distributes specialized professional liability programs under the ProtecPRO sub-brand and offers financial advisory services through its Harmonie Financière division, supported by 6 regional branches and integrated online quoting tools.
Product overview
Harmonia Assurance is a damage insurance brokerage (cabinet en assurance de dommages) operating as a multi-line carrier across Quebec, primarily in Abitibi-Témiscamingue. The company offers a portfolio of insurance products organized into personal lines (auto, habitation, recreational vehicles, group insurance), commercial/business lines (agricultural, mining, trucking, manufacturing, surety bonds, garage, commercial building, commercial vehicles, directors & officers, general liability, cybersecurity), and specialized professional programs under the ProtecPRO sub-brand. Financial services are delivered through the Harmonie Financière sub-brand. The company announced a consolidation with La Turquoise and DPJL cabinets. Products are distributed through 6 branches, an authorized agency model with Intact Assurance as the primary insurer, and online quote portals. No public API is offered.
Differentiator
Problem solved
Functional benefit
Brands
- Harmonie Financière: Financial services division providing financial advisory services to clients, accessible via harmoniefinanciere.ca
Products and services
- Assurance Auto Personal automobile insurance coverage for individual vehicle owners, with online quoting via the Intact Assurance platform and agent support by phone.
- Assurance Habitation
- Assurance Entreprise
- Assurance Voyage
- Assurance Groupe
- Assurance Véhicule de loisirs
- Assurance Agricole
- Assurance Industrie minière
- Assurance Camionnage
- Assurance Manufacture
- Assurance Cautionnement
- Assurance Garagistes
- Assurance Administrateurs et dirigeants
- Assurance Bâtiment commercial
- Assurance Véhicules commerciaux
- Assurance Responsabilité civile
- Assurance Cybersécurité
- Assurance Équipement forestier
- ProtecPRO
- Harmonie Financière
Quantifiable outcome
- 86 employees serving customers across 6 branches
Companies that use Harmonia Assurance
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Harmonia Assurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Harmonia Assurance partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- La TurquoisecoreMerger/alliance announced between Harmonia Assurance, DPJL, and La Turquoise insurance brokerages. This alliance aims to ensure the longevity of these long-established brokerages and consolidate leadership position in Quebec's damage insurance industry while maintaining community presence.
- Intact AssurancecorePrimary insurance carrier partner providing all insurance products through online quotes and agency services. Financial links disclosed. Intact is Canada's largest property and casualty insurer.
- April Canada Inc.minorInsurance partner for personal insurance products.
- Chubb du CanadaminorInsurance partner for personal and commercial insurance.
- EconomicalminorInsurance partner for personal insurance products.
- AXA Art insurance CorporationminorInsurance partner for art and valuable items coverage.
- AvivaminorInsurance partner for business insurance products.
- Northbridge AssurancesminorInsurance partner for commercial insurance products.
- WawanesaminorInsurance partner for personal and commercial insurance.
- LeucanminorCharitable partnership - Harmonia Assurance is 'Partenaire au grand cœur' supporting children with cancer and their families through various fundraising events including Défi des chefs, Défi ski, and Relais pour la vie.
- Société canadienne du cancer (Canadian Cancer Society)minorCharitable partner - President Annette Dufour served as president of Relais pour la vie for three years.
Scale indicators2 records
Recent moves7 records
Expansion highlights5 records
Harmonia Assurance competitors and assessment
Company assessmentBroad incumbents
- Desjardins Insurance: Quebec-anchored financial cooperative distributing P&C, life, and financial products through a large branch network; competes with Harmonia for individuals and small businesses in Quebec.
- Intact Financial Corporation: Canada's largest P&C insurer and Harmonia's primary carrier partner; comparable because the entire distribution and technology stack (quotes, mobile app, online portal) rides on Intact's platform.
- Arthur J. Gallagher & Co. Global insurance brokerage with deep commercial and specialty lines; relevant comparable for Harmonia's commercial and surety offerings and as a benchmark for brokerage multiples.
- Hub International: Large North American insurance brokerage; comparable in commercial and specialty line placement, especially for mining, forestry, and trucking segments that Harmonia serves.
Direct peers
- BrokerLink: Canadian multi-branch P&C insurance brokerage with comparable multi-carrier placement model and regional branch density; closely comparable to Harmonia's go-to-market.
- Westland Insurance Group: Canadian P&C insurance brokerage with multi-branch presence across Western and Eastern Canada; comparable broker-of-record model and commercial/specialty lines.
- La Turquoise: Quebec damage insurance brokerage that is itself part of the announced three-way consolidation with Harmonia Assurance and DPJL; operates an authorized Intact Assurance agency model almost identical to Harmonia's.
- DPJL: Quebec insurance brokerage named alongside La Turquoise and Harmonia Assurance in the June 2025 consolidation announcement; comparable size and operating model within the Quebec P&C brokerage segment.
Regional players
- Beneva: Quebec-headquartered mutual insurer formed from the La Capitale and SSQ Insurance merger; competes with Harmonia in personal and commercial P&C lines across the same province.
Others
- Northbridge Financial Corporation: Canadian commercial P&C insurer; already a listed partner of Harmonia and a relevant competitor on the carrier side for the commercial and specialty lines Harmonia brokers.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights7 records
Customer concentration
Harmonia Assurance social profiles
Digital presenceHarmonia Assurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Harmonia Assurance leadership team
Management profileNumber of profiles
Profiles1 record
Harmonia Assurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Harmonia Assurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Harmonia Assurance
What does Harmonia Assurance do?
Harmonia Assurance is a Quebec-licensed damage insurance brokerage (cabinet en assurance de dommages) that places personal and commercial property and casualty insurance policies with multiple carriers, primarily Intact Assurance, on behalf of individual and business clients. The brokerage also distributes specialized professional liability programs under the ProtecPRO sub-brand and offers financial advisory services through its Harmonie Financière division, supported by 6 regional branches and integrated online quoting tools.
Is Harmonia Assurance a public or private company?
Harmonia Assurance is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Harmonia Assurance founded?
Harmonia Assurance was founded in 2014. It employs 101 to 250 people.
Where is Harmonia Assurance based?
Harmonia Assurance is headquartered in Rouyn-noranda, Canada, in the North America region.
How does Harmonia Assurance make money?
One revenue line is on record: insurance Brokerage Commissions.
Who are Harmonia Assurance's main competitors?
Broad incumbents on record are Desjardins Insurance, Intact Financial Corporation, Arthur J. Gallagher & Co. and Hub International. Direct peers are BrokerLink, Westland Insurance Group, La Turquoise and DPJL. Beneva is listed as a regional player. Northbridge Financial Corporation is listed as an others.
Does Harmonia Assurance have an API?
No public API is recorded for Harmonia Assurance.
What industry is Harmonia Assurance in?
Harmonia Assurance's product category is Insurance Brokerage (Property and Casualty). Its primary akta.pro industry code is FSAEADAE, Reinsurance Brokerage, with a secondary code of FSAJACAH, Earthquake & Difference-in-Conditions (DIC) Property Insurance. Its NAICS code is 5242 and its SIC code is 6411.