Coughlin Insurance Brokers

What Coughlin Insurance Brokers does

Coughlin Insurance Brokers is a privately held, family-founded Canadian insurance brokerage established in 1971, headquartered in MacDonald, Manitoba. The company operates as an independent broker, comparing and placing policies from multiple Canadian insurers rather than acting as a captive agent for any single carrier. It runs a six-branch physical network spanning Manitoba (MacDonald HQ plus two Winnipeg locations), Alberta (Edmonton, Calgary), and British Columbia (Surrey, opened June 2025 as its first BC location), complemented by phone/email consultation and an online client portal at portal.csr24.ca. Its geographic reach extends beyond the three core provinces to Saskatchewan, Nunavut, the Northwest Territories, and Ontario.

The company's product portfolio is split into two main lines. Personal Insurance covers home, auto, life (term and permanent), travel, watercraft, recreational vehicles, and personal umbrella liability. Commercial Insurance spans property, liability, fleet/auto, professional liability (E&O), directors & officers, commercial umbrella, equipment breakdown, cyber, surety/bonding, group benefits, and industry-specific programs for transportation/trucking, construction, real estate/property management, manufacturing, agriculture, retail, hospitality, health/dental, professional services, and aviation/aerospace. The underlying technology stack is conventional: a third-party broker management/CSR24 client portal, carrier integrations, and standard web quote-request workflows; no proprietary AI, mobile app, or API platform is disclosed.

Revenue is generated almost entirely through commissions paid by insurers on placed policies (8%-20% for personal lines, 10%-20% for commercial and travel), supplemented by profit-sharing/contingent commissions and volume incentives based on portfolio-level growth, retention, and profitability, plus disclosed service fees for complex risk placements and mid-term policy changes. Go-to-market is sales-led through licensed brokers performing personalized consultations, supported by community involvement and a presence on LinkedIn and Instagram. The company is a member of the Insurance Brokers Association of Canada (IBAC) and handles personal information under PIPEDA.

Name

Coughlin Insurance Brokers

Legal name

Coughlin Insurance Brokers

Website

https://coughlin.com

Company type

Private

Founded year

1971

Operating status

Operating

Headcount range

11–50 employees

Short description

Coughlin Insurance Brokers is a privately held, family-founded Canadian independent insurance brokerage founded in 1971, serving individuals and businesses across Manitoba, Alberta, and British Columbia through six branches with personal and commercial lines.

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

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 solutions
• Personal insurance coverage
• Business risk management
• Independent insurance broker

Headquarters

HQ city

Edmonton

HQ country

Canada

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Insurance Commissions: For most property and casualty insurance policies (home, auto, and commercial insurance), the company is compensated by insurance companies through commissions included in the premium. Commission levels vary by insurer and type of coverage. Personal Lines typically earn 8%-20%, Commercial Insurance 10%-20%, and Travel Insurance 10%-20%.
2. Profit Sharing and Volume Incentives: Additional compensation from insurers based on overall portfolio performance including profit sharing or contingent commissions and volume-based incentives. These are based on factors such as growth, retention, and profitability of the overall business placed with an insurer, not on individual client transactions.
3. Service Fees: Fees charged for specific services including policy placement for complex or specialty risks, mid-term policy changes or cancellations, and administrative services. Fees are disclosed to clients in advance.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Coughlin Insurance Brokers is an independent insurance brokerage that compares and places personal and commercial insurance policies from multiple Canadian insurance carriers on behalf of its clients. Its product portfolio spans personal lines (home, auto, life, travel, watercraft, recreational vehicle, umbrella liability) and commercial lines (business property, liability, fleet, professional liability/E&O, D&O, equipment breakdown, cyber, surety/bonding, group benefits), with industry-tailored verticals for transportation, construction, real estate, manufacturing, agriculture, retail, hospitality, healthcare, professional services, and aviation/aerospace. Distribution is delivered via licensed brokers across six physical offices, phone/email consultations, and an online client portal.

Product overview

Coughlin Insurance Brokers operates as an independent insurance brokerage offering a comprehensive portfolio of personal and commercial insurance products across Western Canada. The product portfolio spans two main lines: Personal Insurance (home, auto, life, travel, watercraft, recreational vehicles, and umbrella liability) and Commercial Insurance (business property, liability, fleet, professional liability E&O, directors & officers, umbrella, equipment breakdown, cyber, surety bonding, and group benefits). Additionally, they offer industry-specific coverage verticals for transportation/trucking, construction, real estate, manufacturing, agriculture, retail, hospitality, healthcare, professional services, and aviation/aerospace. The company serves clients across Manitoba, Alberta, British Columbia, Saskatchewan, Nunavut, Northwest Territories, and Ontario through multiple branch locations.

Differentiator

Problem solved

Functional benefit

Products and services

• Home Insurance Homeowners insurance covering dwelling, personal property, liability, and additional endorsements for jewelry, floods, and earthquakes. Also includes tenant and condo insurance for individuals and families.
• Auto Insurance Vehicle insurance covering private autos including ICBC Autoplan in British Columbia and standard coverage in Alberta and Manitoba, for individuals and families.
• Life Insurance Term life and whole (permanent) life insurance policies, including mortgage protection and key person insurance for business coverage.
• Travel Insurance Travel coverage including emergency medical insurance, trip cancellation, baggage protection, flight delay coverage, and Super Visa insurance for visitors to Canada.
• Watercraft Insurance Boat and watercraft coverage for fishing boats, pleasure craft, pontoon boats, personal watercraft (Jet Skis, Sea-Doos), sailboats, and high-value recreational vessels, with stand-alone policies offered through Beacon Underwriting, Coast Underwriters (RSA), Cowan Insurance Group, Premier Marine, and NautiMax (Aviva Elite) in British Columbia.
• Recreational Vehicle Insurance Coverage for ATVs, side-by-sides, snowmobiles, motorhomes, RVs, travel trailers, fifth wheels, and dirt bikes.
• Personal Umbrella Liability Insurance Personal umbrella insurance providing additional liability protection above home and auto policies for major claims and legal defense costs.
• Business Insurance Comprehensive commercial coverage for businesses of all sizes across industries including automobile sales, repair garages, contractors, manufacturing, retail, restaurants, and professional services.
• Commercial Property Insurance Coverage for commercial buildings, equipment, inventory, and business assets against property damage risks.
• Commercial Liability Insurance Commercial general liability (CGL) insurance protecting businesses from third-party claims for bodily injury, property damage, and personal injury.
• Fleet & Auto Insurance (Commercial) Commercial vehicle coverage including fleet insurance, ICBC Fleetplan for 20+ vehicles, garage operations, ride-hailing, and filmmaker vehicle coverage.
• Professional Liability (E&O) Insurance Errors and omissions insurance covering professionals against claims arising from mistakes, negligence, and inadequate work performance.
• Directors & Officers (D&O) Insurance Coverage protecting corporate directors and officers from personal liability arising from their management decisions and oversight responsibilities.
• Commercial Umbrella & Excess Liability Commercial umbrella coverage providing additional liability protection above primary CGL and other commercial policies for catastrophic claims.
• Equipment Breakdown Insurance Coverage for sudden and accidental mechanical and electrical equipment failures including boilers, HVAC, refrigeration, and production equipment with resulting business interruption coverage.
• Cyber Insurance Cyber liability coverage protecting businesses from ransomware attacks, data breaches, system outages, and cyber crime including first-party and third-party coverage.
• Surety & Bonding Surety bonds including bid bonds, performance bonds, labor and material payment bonds, maintenance bonds, and contract bonds for contractors and construction businesses.
• Group Benefits & Life Employee benefits programs including health and dental coverage, prescription drugs, disability insurance, life insurance, health spending accounts, and wellness programs.
• Transportation & Trucking Insurance Specialized insurance for trucking companies, long-haul carriers, and transportation businesses including cargo coverage and fleet solutions.
• Construction & Contractors Insurance Coverage for contractors and construction firms including builders risk, wrap-up liability, subcontractor default insurance, and surety bonding.
• Real Estate & Property Management Insurance Insurance for real estate firms and property managers including strata insurance, landlord coverage, and liability protection.
• Manufacturing & Processing Insurance Coverage for manufacturing operations including product liability, equipment breakdown, and business interruption for industrial facilities.
• Agriculture & Farm Insurance Farm insurance covering farm buildings, barns, greenhouses, animals, crops, equipment, machinery, and vehicles for agricultural operations.
• Retail & Wholesale Insurance Coverage for retail businesses, wholesale distributors, and product liability protection for merchandise and operations.
• Hospitality & Recreation Insurance Insurance for restaurants, bars, curling clubs, recreational facilities, and hospitality businesses including liquor liability.
• Health & Dental Practice Insurance Professional liability and practice insurance for healthcare providers including medical malpractice coverage for doctors, dentists, and therapists.
• Professional Services Insurance Coverage for professional service firms including errors and omissions, cyber liability, and business insurance for consultants and advisors.
• Aviation & Aerospace Insurance Specialized aviation coverage for commercial and private aircraft, airports, FBOs, heliports, drone operations, and aerospace manufacturing including hull and liability protection.

Named customers4 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

15 partnerships are on record, tiered core and supporting.

• Insurance Brokers Association of Canada (IBAC)coreOthersProud members of the Insurance Brokers Association of Canada, demonstrating commitment to industry standards and professional brokerage practices.
• Beacon Underwriting Ltd.supportingTechnology or IntegrationInsurance partner offering stand-alone watercraft policies for boat insurance in British Columbia.
• Coast Underwriters (RSA)supportingTechnology or IntegrationInsurance partner offering stand-alone watercraft policies through RSA for boat insurance in British Columbia.
• Cowan Insurance GroupsupportingTechnology or IntegrationInsurance partner offering stand-alone watercraft policies for boat insurance in British Columbia.
• Premier Marine InsurancesupportingTechnology or IntegrationInsurance partner offering stand-alone watercraft policies for boat insurance in British Columbia.
• NautiMax (Aviva Elite)supportingTechnology or IntegrationInsurance partner (Aviva Elite program) offering stand-alone watercraft policies for boat insurance in British Columbia.
• Red River MutualsupportingStrategic or Co-development PartnerCommunity partnership where Red River Mutual committed to matching donations up to $5,000 for Peer Connections Manitoba initiative. Coughlin contributed $5,000 which was matched, totaling $10,000 for the mental health peer support organization.
• WinmarsupportingTechnology or IntegrationEmergency restoration services partner providing 24/7 property restoration services in Winnipeg, Edmonton, and Surrey locations.
• Wawanesa InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.
• Intact InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.
• Optimum InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.
• Peace Hills InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.
• Saskatchewan Mutual InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.
• Manitoba Public InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours. Also provider of basic Autopac insurance in Manitoba.
• Aviva InsurancesupportingTechnology or IntegrationAfter hours claim contact for policyholders needing to report claims outside regular business hours.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Aon Canada: Global professional services firm with a major Canadian insurance brokerage practice. Comparable in commercial lines, risk advisory, and specialty coverages, with substantially broader resources and international reach.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management services firm with Canadian operations. Comparable in commercial insurance brokerage across multiple industry verticals, particularly transportation, construction, and real estate.
• Marsh Canada: Subsidiary of Marsh McLennan, one of the world's largest insurance brokerages. Operates in Canada across commercial risk, insurance brokerage, and advisory — overlapping with Coughlin's commercial book from a much larger incumbent position.
• Hub International: Large global insurance brokerage with significant Canadian operations across personal, commercial, and specialty lines. Comparable overlap in product categories but at a much larger scale and broader geographic footprint than Coughlin.
• Intact Financial Corporation: Canada's largest P&C insurer, which also owns and partners with broker distribution networks. Intact is one of Coughlin's listed carrier partners, and the two compete at the retail brokerage level through Intact's owned brokerage operations and digital channels.

Direct peers

• Lane's Insurance: BC-based independent insurance brokerage offering personal and commercial coverage. Comparable to Coughlin as a regional Western Canadian independent broker with similar product breadth and broker-led distribution.
• Western Financial Group: Western Canadian insurance and financial services network with offices across multiple provinces. Comparable to Coughlin in regional focus, multi-line product offering, and physical retail branch distribution model.
• BFL Canada: Canadian specialty insurance brokerage operating across commercial and personal lines. Comparable to Coughlin's specialty offerings (commercial property, liability, cyber, professional lines) while serving a higher-end commercial client base.
• BrokerLink: Major Canadian independent insurance brokerage operating across personal and commercial lines in multiple provinces. Directly comparable business model (multi-carrier independent broker) with a substantially larger scale footprint than Coughlin.
• Westland Insurance: One of the largest independent insurance brokerages in Western Canada, offering personal and commercial lines across BC, Alberta, Saskatchewan, and Manitoba. Closely comparable to Coughlin in geography, multi-line product set, and independent brokerage model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/coughlin-insurance-brokers
• Instagraminstagram.com/coughlin_insurance_brokers/?hl=en
• Xx.com/coughlin_ins_b

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Coughlin Insurance Brokers