Josslin Insurance Brokers

What Josslin Insurance Brokers does

Josslin Insurance Brokers is a family-owned, independent insurance brokerage founded in 1880 and headquartered in New Hamburg, Ontario, with operating offices across the Waterloo Region in Cambridge, Elmira, Gorrie, Kitchener, Listowel, Tavistock, and (previously) Wellesley. The firm operates as a multi-line broker earning commissions from multiple insurance carriers across four primary verticals: personal lines (auto, home, life, recreational vehicles, travel), commercial lines (general liability, fleet, specialty coverages for hospitality, manufacturing, contractors, and ~20 niche categories), agri-business (farm auto, livestock, dairy, poultry, specialty farms, greenhouses, vineyards), and group benefits (health, dental, life, disability, critical illness, plus Health Care Spending Accounts). Josslin Financial, a sub-brand, extends the offering into retirement plans, segregated funds, and annuities.

The firm's technology backbone centers on the Real Insurance App — a free mobile and web client self-service platform launched in July 2017 and powered by ClientDesk, integrated with Power Broker Broker Management Software for real-time policyholder data synchronization. The app supports 24/7 policy document access, proof-of-insurance retrieval, broker chat, policy change requests, and digital claims reporting. Josslin received an ICTA Award for its work with SGI Canada on paperless insurer-to-broker document transfer. A CFIB channel partnership offers preferential group health and dental rates to small-business members.

The business model is commission-based brokerage across personal, commercial, farm, group, and financial product lines, with revenue driven by recurring policy renewals. Distribution occurs through eight physical offices, a centralized phone operation (1-888-567-7546), website quote forms, and the Real Insurance App. The firm is privately held by the Wagler family (Scott Wagler and Steve Wagler as Brokerage Partners; Joe Figliomeni as Managing Partner of Josslin Financial), with no institutional investors, parent company, or public disclosures. The customer book was modestly expanded in 2020 via the acquisition/transition of John Matic Insurance Brokers' clients, coinciding with the firm's 140th anniversary and a community donation to KidsAbility Centre for Child Development.

Name

Josslin Insurance Brokers

Legal name

Josslin Insurance Brokers Limited

Website

https://josslin.com

Company type

Private

Founded year

1880

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Josslin Insurance Brokers is a family-owned independent insurance brokerage founded in 1880, serving individuals, businesses, farms, and employer groups across Ontario's Waterloo Region through multiple offices and the Real Insurance App.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Insurance brokerage services
• Personal insurance coverage
• Commercial insurance products
• Farm insurance coverage
• Group benefits administration

Headquarters

HQ city

Cambridge

HQ country

Canada

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Josslin operates as an independent insurance broker earning commissions from multiple insurance companies for placing policies. They offer personal (car, home, life), commercial, farm, and group health insurance products.
2. Group Benefits Administration: Administration of group health, dental, life, and disability benefits for employers, including Health Care Spending Accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Josslin Insurance Brokers is an independent insurance brokerage that places personal, commercial, farm/agri-business, and group benefits insurance policies with multiple insurance carriers on behalf of clients across Ontario's Waterloo Region. Services are delivered through eight branch offices, phone, website quote forms, and the proprietary Real Insurance App (a ClientDesk-powered mobile/web client self-service platform integrated with Power Broker broker management software), supported by 24/7 personal claims assistance.

Product overview

Josslin Insurance Brokers operates as an independent insurance brokerage offering a comprehensive portfolio of insurance and financial products through multiple service delivery channels. The core offering includes the Real Insurance App—a digital platform providing clients 24/7 mobile and web access to policy documents, proof of insurance, broker chat, policy changes, and claims reporting. The company provides personal insurance (auto, home, life, travel, watercraft, recreational vehicles), commercial insurance (liability, fleet, and 20+ specialized business coverages including beauty, hospitality, manufacturing), agri-business insurance (farm operations, livestock, specialty farms, and farm liability), group benefits (health, dental, life, disability, critical illness, and health spending accounts), and investment products (retirement plans, segregated funds, annuities). All products are accessed through the Real Insurance App integrated with Power Broker broker management software and ClientDesk digital platform.

Differentiator

Problem solved

Functional benefit

Brands

• Josslin Financial: Financial services division offering group life insurance, critical illness, disability, health benefits, and investment plans including retirement plans, segregated funds, and annuities.

Products and services

• Real Insurance App Free interactive mobile and web application that gives clients 24/7 access to insurance policy documents, proof of insurance (pink slips), broker chat functionality, policy change requests, and real-time claims reporting; powered by ClientDesk and integrated with Power Broker BMS.
• Personal Insurance — Auto, Home, Life, Recreational & Specialty Lines Personal lines insurance for individuals and families covering cars, homes, life (term, universal, whole), recreational vehicles (ATVs, snowmobiles, motorhomes, 5th wheels, Sea-Doo/Jetski), trailers, watercraft/yachts, classic cars, condominiums, rental dwellings, seasonal homes/cottages, tenants, travel (single trip and annual), home-based business, hobby farms, personal umbrella liability, party alcohol liability, prestigious home, critical illness, disability, health, dental, and pet insurance (via Petsecure partner).
• Commercial Insurance Business insurance for commercial enterprises covering commercial general liability, commercial umbrella, errors & omissions, environmental impairment liability, event liability, directors & officers, employment practices liability, auto/fleet, plus specialty business coverages for contractors, manufacturing, offices, beauty & barber, bed & breakfast, builders' risk, car dealers, churches, garages, golf/hole-in-one events, hospitality, jewelers, long-term care facilities, student housing, wineries, equipment breakdown, wholesalers/retailers, and bonding/surety.
• Farm and Agri-Business Insurance Agricultural insurance covering farm operations, autos/fleet, products, and liability for beef, dairy, poultry, hog, horse/equestrian, cash crop, specialty, mushroom, alternative energy, greenhouse, vineyard, and hobby farm operations, plus farm liability, pollution liability, and farm umbrella excess coverage.
• Group Benefits (Employer-Sponsored Health, Dental, Life, Disability) Employer-sponsored group benefits administration through the Josslin Financial division covering group health, dental, life, critical illness, and disability insurance plus Health Care Spending Accounts, supplemental to provincial health plans. Includes group home + auto bundled programs and CFIB-member preferential group health and dental rates.
• Investment Plans (Retirement, Segregated Funds, Annuities) Investment and retirement products distributed through the Josslin Financial division, including retirement plans (RRSPs), segregated funds with insurance features, annuities for retirement income, and other investment solutions.
• Risk Management Services Business risk assessment and management advisory services for commercial clients, supporting commercial insurance placements with risk identification, mitigation, and ongoing risk consulting.
• Bonding Services (Surety Bond, Dishonesty/Crime Insurance) Surety bond and fidelity bonding / dishonesty and crime insurance services for businesses to meet contractual and regulatory bonding requirements.

Quantifiable outcome

• 24/7 personal claims assistance available
• +1 more outcomes

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

Integration3 records

Feature1 record

Partnerships

Four partnerships are on record, tiered minor and core.

• KidsAbility Centre for Child DevelopmentminorOthers · 1 January 2020Josslin donated $1,400 to KidsAbility in 2020 to commemorate their 140th anniversary. KidsAbility provides services to children with developmental disabilities, hearing loss (hearing aids, speech therapy), and physical therapy for premature infants.
• ClientDeskcoreTechnology or Integration · 18 July 2017ClientDesk provides the technology platform powering Josslin's Real Insurance App. The platform enables client self-service, policy management, claims reporting, and broker communication. Integrates with Power Broker BMS for real-time data synchronization.
• Power BrokercoreTechnology or Integration · 18 July 2017Power Broker is Josslin's Broker Management Software (BMS). The system handles customer and policy management, accounting, EDI, and document management. ClientDesk integrates with Power Broker to enable real-time policyholder data transfer.
• Canadian Federation of Independent Business (CFIB)minorChannel Partner/ Reseller/ DistributorJosslin offers Group Health and Dental Programs specifically designed for CFIB members, providing preferential group rates to small business members.

Scale indicators3 records

Recent moves9 records

Expansion highlights5 records

Direct peers

• BrokerLink: One of Canada's largest independent insurance brokerages, offering personal, commercial, and specialty lines through a multi-branch retail model. Highly comparable in product breadth, independent-broker structure, and multi-carrier commission model; operates at much larger scale.
• Westland Insurance Group: Western Canada-headquartered independent brokerage with growing Ontario presence, providing personal, commercial, farm, and group benefits across multiple provinces. Closely comparable multi-line independent brokerage with regional expansion playbook.
• Cowan Insurance Group: Canadian independent brokerage offering commercial, personal, group benefits, and surety products with a focus on mid-market and specialty risks. Comparable product mix and independent-brokerage DNA.
• Archway Insurance: Ontario-based independent insurance brokerage serving personal, commercial, and farm customers across multiple branches. Closely comparable in Ontario footprint, farm specialization, and community-brokerage positioning.
• Morison Insurance Brokers: Southwestern Ontario independent brokerage serving personal, commercial, and farm clients from multiple offices. Geographic and segment overlap with Josslin in Ontario farm and personal lines.
• Acera Insurance Services: Canadian independent brokerage offering personal, commercial, and group benefits across multiple provinces. Comparable in independent multi-carrier model and group benefits emphasis.

Regional players

• Mitchell & Abbott Insurance Brokers: Independent Ontario brokerage focused on personal, commercial, and farm coverage in Southwestern Ontario. Comparable to Josslin in regional Ontario footprint and farm insurance emphasis, though smaller in scale.

Broad incumbents

• Hub International: Large North American insurance brokerage providing commercial, personal, and employee benefits through a vast branch network. Overlaps with Josslin on commercial and group benefits lines, but operates as a global incumbent with much broader capabilities.
• Intact Public Entities / BrokerLink (Intact-affiliated): Carrier-affiliated brokerage distribution arm of Canada's largest P&C insurer, offering multi-line coverage nationally. Comparable product set to Josslin but with carrier-influenced positioning and national scale.

Others

• ClientDesk: Technology vendor powering Josslin's Real Insurance App, providing client self-service and broker engagement tools. Indirectly comparable as the digital infrastructure layer that enables Josslin's hybrid service model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/josslin_ins
• Facebookfacebook.com/JosslinInsurance
• LinkedInlinkedin.com/company/josslin-insurance
• Instagraminstagram.com/josslin_ins/e

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Josslin Insurance Brokers