Aligned Insurance

What Aligned Insurance does

ALIGNED Insurance Inc. is a 100% Canadian-owned and employee-owned commercial insurance brokerage that connects businesses with coverage from 70+ top Canadian insurers, all rated A or better by AM Best. Founded by Andrew Clark in 2001 following a personal experience with a $2.2 million claim that crystallized his belief in broker advocacy, the firm has grown to operate offices in Toronto (headquarters), Vancouver, Calgary, and Cambridge, Ontario, plus a New York office serving cross-border clients. Its portfolio spans commercial lines (Commercial General Liability, Professional Liability/E&O, Commercial Auto, Cyber, Directors & Officers, Commercial Property, Equipment Breakdown, Pollution Liability, Surety & Bonding, Ocean Marine, Builders Risk), specialty verticals (Construction, Cannabis), and personal/group products (Life, Critical Illness, Disability, Health & Dental, Employee Group Benefits).

The brokerage operates a hybrid distribution model: dedicated licensed insurance advocates deliver personalized advisory and 24/7/365 claims support under a proprietary 'Audit. Optimize. Execute.' methodology, while digital channels — including direct online quote tools and partnerships with PolicyMe (life and critical illness) and FoxQuilt (e-commerce and independent contractor insurance) — capture self-serve SMB and consumer demand. Revenue is generated via commissions from carriers on placed premium across new policies and renewals; the employee-ownership structure and capped advocate workloads are positioned as quality and retention advantages. There is no proprietary technology platform or disclosed AI capability; the underlying 'platform' is the broker-carrier network and content-driven Knowledge Hub of nearly 2,000 educational articles.

The business serves primarily small to mid-sized Canadian businesses across all industries, with named vertical depth in construction and cannabis (a focus since 2018), alongside business owners purchasing personal life and key-person coverage. Strategic signals include the 2015 acquisition of The Precept Group, multi-province physical expansion, the cannabis vertical launch, embedded insurance as a new product line, and the New York office for cross-border service. The firm is privately held with no external investors disclosed.

Name

Aligned Insurance

Legal name

ALIGNED Insurance Inc.

Website

https://alignedinsurance.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

ALIGNED Insurance is a 100% Canadian-owned and employee-owned commercial insurance brokerage placing SMB and mid-market business risk with 70+ top Canadian insurers under a dedicated-advocate 'Audit. Optimize. Execute.' model, complemented by digital distribution partnerships for life, e-commerce, and cannabis-specialty coverage.

Ownership category

akta.pro rank

Product category

Commercial Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Construction Specialty (Wrap-Ups/Builders Risk/Contractors) (FSAJAGAH), Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Commercial insurance brokerage
• Business insurance solutions
• Insurance advisory services
• Employee group benefits
• Commercial general liability

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: ALIGNED earns commissions from insurance carriers for placing business. As an independent broker, they work with 70+ insurers and receive compensation based on premium volume placed. Revenue comes from both new policy placements and renewals.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

ALIGNED Insurance is a commercial insurance brokerage that places business and personal insurance coverage for Canadian small and mid-sized businesses by shopping across 70+ top Canadian insurers. Revenue is earned through carrier commissions on premiums placed and renewed, with each client assigned a dedicated licensed insurance advocate who audits risks, optimizes coverage, and provides ongoing service including 24/7/365 claims support.

Product overview

ALIGNED Insurance is a commercial insurance brokerage operating as a broker-advocate model, not a single unified software product. The company provides access to 70+ top Canadian insurers and offers a comprehensive portfolio of business insurance products including Commercial General Liability, Professional Liability (E&O), Commercial Auto, Cyber Liability, Directors & Officers, Property, Equipment Breakdown, Pollution Liability, Surety & Bonding, Construction, and Cannabis Insurance. The firm also offers personal insurance products (Life, Critical Illness, Disability, Travel, Health & Dental) and Employee Group Benefits. Their service model is built around a proprietary 'Audit. Optimize. Execute.' methodology delivered through dedicated licensed insurance advocates with 24/7 claims support. They operate offices in Toronto, Vancouver, Calgary, and Cambridge (Ontario) serving clients nationwide across Canada.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial General Liability (CGL) Insurance Protects businesses from third-party bodily injury, property damage, and personal injury claims. Essential coverage for contractors, retailers, consultants, and any business interacting with customers or operating in physical spaces.
• Professional Liability (E&O) Insurance Protects businesses when a client claims that advice, services, mistakes, negligence, or missed deadlines caused financial loss. Also known as Errors and Omissions Insurance.
• Commercial Auto Insurance Protects vehicles used for business including contractor trucks, delivery vans, service vehicles, company cars, commercial trucks, and fleets.
• Small Business Insurance Tailored insurance solutions for small and growing businesses, combining coverage for liability claims, property damage, professional errors, cyber incidents, and business vehicle use.
• Cyber Liability Insurance Covers costs associated with cyber attacks, data breaches, ransomware, including data breach notifications, restoring or replacing data, cyber extortion payments, lost income from business interruption, and legal defense fees.
• Directors & Officers (D&O) Liability Insurance Protects the personal assets of company leaders if they are sued for decisions made in their roles. Covers non-profits, private companies, and publicly traded organizations.
• Ocean Marine Insurance Protects assets while being moved by water, including hull coverage for vessels, cargo coverage for goods being transported, and protection and indemnity (P&I) coverage for third-party injuries and property damage.
• Commercial Property Insurance Protects physical business assets including buildings, equipment, inventory, office contents, tenant improvements, fixtures, and leased or owned business property.
• Equipment Breakdown Insurance Covers sudden and accidental physical damage to equipment requiring repair or replacement, including related losses such as spoiled goods, additional expenses, and lost income during downtime.
• Pollution Liability Insurance Protects businesses from environmental liabilities not covered by standard commercial general liability policies, including cleanup costs, third-party claims, legal defense fees, and government penalties.
• Surety & Bonding Insurance Provides various bonds including Performance Bonds, Bid Bonds, License and Permit bonds, Customs and Excise bonds, RPP Bonds, Carnet bonds, Fiduciary bonds, and Lost instrument bonds.
• Construction Insurance Comprehensive protection for construction businesses including Commercial General Liability, Builder's Risk, Commercial Property, Tools and Equipment, Commercial Auto, and Pollution Liability coverage.
• Cannabis Insurance Specialized coverage for cannabis businesses including retailers, licensed producers, micro-cultivators, and toll processors, covering property, crop, product liability, contamination, recall, D&O, and cargo.
• Crime & Employee Dishonesty Insurance Protection against employee theft, fraud, and criminal acts against the business.
• Builders Risk Insurance
• Embedded Insurance Insurance embedded into buying processes to provide added protection for customers during transactions.
• Insurance for Landlords Specialized coverage for rental properties including student rentals, rooming houses, income properties, seasonal rentals, and apartment buildings.
• Online Retailer Insurance Product liability insurance for online sellers including Amazon retailers, Shopify merchants, Etsy sellers, and e-commerce businesses.
• Life Insurance Personal and business life insurance products including Term Life, Whole Life, and Business Owner Life Insurance.
• Critical Illness Insurance Coverage providing lump-sum payment upon diagnosis of specified critical illnesses.
• Disability Insurance Income protection coverage for individuals unable to work due to illness or injury.
• Travel Insurance Coverage for travelers including trip cancellation, medical emergencies, and travel-related risks.
• Employee Group Benefits Group benefit programs including Dental Insurance, Short-Term Disability, Long-Term Disability, Vision Care, Employee Assistance Programs (EAP), Health Care Spending Accounts (HCSA), and Group RRSP & Pension Plans.
• Fleet Insurance Coverage for businesses managing multiple commercial vehicles under a single policy.
• Business Interruption Insurance Coverage replacing lost income and covering operating expenses if business operations are disrupted due to an insured event.
• Cargo Insurance Coverage for goods being transported over water or land, protecting against loss or damage during transit.
• Hull and Machinery Insurance Physical damage coverage for vessels and their machinery.
• Knowledge Hub Educational resource with nearly 2000 articles demystifying insurance topics, providing answers to common questions, and helping clients understand coverage options.

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• PolicyMecoreChannel Partner/ Reseller/ DistributorOnline distribution partner for life insurance and critical illness insurance products. ALIGNED refers clients to PolicyMe platform for digital insurance purchases while maintaining advisory relationship.
• FoxQuiltcoreChannel Partner/ Reseller/ DistributorOnline distribution partner for e-commerce/Amazon retailer insurance and independent contractor insurance. Provides digital quoting and binding for specific insurance products.

Scale indicators7 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• BrokerLink: One of Canada's largest independent insurance brokerages, offering personal and commercial lines across multiple provinces. Directly comparable to ALIGNED on multi-office distribution, multi-carrier access, and SMB-to-mid-market commercial focus.
• Westland Insurance: Western-Canada-headquartered commercial and personal lines brokerage with a strong acquisition roll-up strategy. Comparable to ALIGNED on multi-province commercial brokerage, employee-centric culture, and acquisition-driven growth.
• BFL Canada: Canada's largest employee-owned commercial insurance brokerage, specializing in commercial and specialty lines. Closest direct peer on the employee-owned commercial brokerage model and specialty line emphasis.
• Hub International: North American commercial insurance brokerage with a strong Canadian presence, built largely through acquisition. Directly comparable to ALIGNED on multi-province commercial brokerage and M&A-driven growth.

Broad incumbents

• Marsh Canada: Global commercial insurance brokerage and risk advisory with significant Canadian operations. Overlaps with ALIGNED in commercial brokerage and risk advisory, though Marsh operates at significantly larger enterprise scale.
• Aon Canada: Global risk management, insurance brokerage, and reinsurance advisory with a Canadian footprint. Comparable commercial brokerage offering but broader portfolio including reinsurance, HR consulting, and large-enterprise focus.
• Intact Financial Corporation: Canada's largest P&C insurer and broker (via Intact Public Entities, BrokerLink, and OneBeacon). Listed as a carrier partner of ALIGNED; comparable in Canadian commercial insurance distribution but operates as a carrier plus broker with vastly greater scale.

Emerging players

• Apollo Insurance Solutions: Canadian insurtech brokerage platform offering digital small commercial insurance binding. Comparable to ALIGNED's online distribution motion and is also one of ALIGNED's listed carrier partners, making it both a channel and potential competitor.
• FoxQuilt: Canadian insurtech focused on e-commerce, contractor, and small business digital insurance. ALIGNED's listed digital distribution partner; comparable on online small commercial insurance and represents a potential competitive overlap as it scales.
• PolicyMe: Canadian digital life and supplemental health insurance platform. ALIGNED's online life/critical illness distribution partner; comparable in personal lines and supplemental health distribution and a candidate to disintermediate traditional brokers over time.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ALIGNEDOnRisk
• YouTubeyoutube.com/channel/UCdwW2ddJh_Tt3w7WvAM8FHA
• Facebookfacebook.com/alignedinsuranceinc
• LinkedInca.linkedin.com/company/aligned-insurance-inc-
• Instagraminstagram.com/aligned_insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Aligned Insurance