Capital Insurance Brokers

What Capital Insurance Brokers does

Capital Insurance Brokers is a privately held, founder-owned independent insurance brokerage founded in 2005 in Edmonton, Alberta by Jim and Sara Carducci. The company operates across four physical locations (Edmonton West headquarters, Edmonton East, the CanTrust Insurance Brokers branch inside West Edmonton Mall, and Stony Plain) and serves individual households and small-to-medium businesses across the Edmonton metropolitan area and surrounding Alberta communities, with select British Columbia service availability. Its product portfolio spans personal lines (auto, motorcycle, homeowner, condo, tenant, rental property, recreational vehicle, boat, and life insurance) and commercial/business insurance, with bundled home-and-auto packages offering discounts of 15-25% as a core cross-sell lever.

The brokerage earns revenue primarily through carrier commissions on placed and renewed policies, supplemented by claims-assistance services, and distributes products through 30+ insurance carrier partnerships including Wawanesa, Aviva, Intact, Economical, Peace Hills, Sandbox Mutual, Optimum, Hagerty, AMI, and NautiMax. Technology is anchored in CSIO-certified systems (since 2016), e-signature capability, a paperless office, and an interactive online quote-form platform; the MYCAPITALINSURANCE mobile app extends policy management functionality. The CanTrust sub-brand targets Cantonese and Mandarin-speaking clients, and the firm is affiliated with the ARC Insurance Brokers network for scale benefits while retaining local autonomous operations. No AI/ML capabilities, institutional funding, or M&A activity are evidenced.

Name

Capital Insurance Brokers

Legal name

Capital Insurance Brokers

Website

https://capitalinsurancebrokers.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

11–50 employees

Short description

Capital Insurance Brokers is a privately held independent insurance brokerage founded in 2005 in Edmonton, Alberta, serving thousands of individual households and SMBs across personal lines (auto, home, life) and commercial insurance through 30+ carrier partnerships and four Alberta office locations.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

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

Commercial Lines Insurance Brokerage (FSAEADAB)

Keywords

• Independent insurance brokerage
• Personal insurance products
• Commercial insurance services
• Auto home insurance
• Insurance broker services

Headquarters

HQ city

Edmonton

HQ country

Canada

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Revenue generated through commissions paid by insurance carriers for placing policies. As an independent broker, they represent multiple insurance companies and earn commission-based compensation for each policy sold or renewed.
2. Claims Assistance Services: Assists clients in navigating the claims process with insurance carriers, providing guidance on coverage, deductibles, repairs, and settlement negotiations.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Capital Insurance Brokers is an independent insurance brokerage that sells personal and commercial insurance products sourced from over 30 Canadian insurance carriers. They broker auto, home, condo, tenant, life, recreational vehicle, boat, motorcycle, and commercial business insurance policies, comparing quotes across carriers and providing personalized broker-assisted service to clients in the Edmonton and Stony Plain areas of Alberta.

Product overview

Capital Insurance Brokers operates as an independent insurance brokerage offering a comprehensive portfolio of personal and commercial insurance products. The core offering includes personal lines (auto, motorcycle, homeowner, condo, tenant, rental property, recreational vehicle, boat, and life insurance) and commercial/business insurance coverage. The company provides bundled home and auto insurance packages as a key product, along with specialized commercial coverage for various industries including construction, professional services, hospitality, and retail. They also operate CanTrust Insurance as a sub-brand serving Chinese-speaking communities with bilingual support. The company offers digital self-service through online quote forms alongside traditional broker-assisted service. All products are sourced from multiple insurance carrier partners including Wawanesa, Sandbox Mutual, Peace Hills, Optimum, Intact, Aviva, Economical, Hagerty, and AMI.

Differentiator

Problem solved

Functional benefit

Brands

• MYCAPITALINSURANCE: Mobile application for policy management and services

Products and services

• Bundled Home and Auto Insurance Combined home and auto insurance policy offering discounts for bundling multiple coverages; available to drivers meeting eligibility criteria such as 5+ years of clear insurance history.
• Auto Insurance Vehicle insurance coverage including liability, accident benefits, collision, comprehensive, and add-on endorsements such as accident forgiveness and loss of use for cars, trucks, and other vehicles.
• Motorcycle Insurance Specialized motorcycle insurance coverage for choppers, cruisers, three-wheelers, scooters, and mopeds, with standard coverage options and add-ons including loss of use, emergency services, and accident forgiveness.
• Homeowner Insurance Property insurance for homeowners protecting against losses from fire, vandalism, severe weather, and other perils; includes dwelling, personal property, liability, and additional living expenses coverage.
• Condo Insurance Insurance coverage for condominium owners protecting belongings, living expenses, liability, unit improvements, and providing loss assessment coverage for condo association insurance shortfalls.
• Tenant / Renters Insurance Renters insurance protecting personal belongings from theft, fire, water damage, and natural disasters, including liability coverage and additional living expense assistance.
• Rental Property / Landlord Insurance Landlord insurance coverage for rental properties including liability protection, loss of rental income coverage, and protection against property damage from fire, sewer backup, and personal injury claims.
• Recreational Vehicle Insurance Insurance coverage for recreational vehicles including motorhomes, camper units, tent trailers, fifth wheels, and ATVs with coverage tailored for camping and recreational activities.
• Boat / Watercraft Insurance Insurance coverage for boats and watercraft including personal watercraft, boats 16-25 feet, and yachts 26+ feet, covering damage, injuries, theft, and recovery costs.
• Life Insurance Life insurance products including term life and permanent life insurance to provide financial protection for loved ones and cover debts, mortgages, and funeral costs; coverage available from $50,000 to $2,000,000+.
• Commercial / Business Insurance Comprehensive commercial insurance for businesses including property loss, employee theft, physical damage, vandalism, legal liability, product liability, business interruption, professional liability, and cyber insurance across construction, retail, hospitality, and professional services sectors.
• CanTrust Insurance Bilingual sub-brand offering home, property, and other personal insurance products with Cantonese and Mandarin language support to Chinese-speaking communities in Edmonton.
• Online Quote Forms Digital self-service platform providing online quote forms for auto, homeowner, condo, tenant, business, and life insurance with multi-step form workflows that route submissions to brokers.

Quantifiable outcome

• Bundle and save up to 15-25% on combined home and auto insurance
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• ARC Insurance BrokerscoreStrategic or Co-development PartnerCapital Insurance Brokers is affiliated with ARC Insurance Brokers, forming a trusted network of insurance brokers. This affiliation provides additional scale and network benefits while maintaining local autonomous operations.
• Wawanesa InsurancecoreChannel Partner/ Reseller/ DistributorOne of Canada's largest general insurance companies founded in 1895. Provides auto, home, and business insurance. Capital offers Wawanesa quotes to customers seeking competitive rates.
• Aviva CanadacoreChannel Partner/ Reseller/ DistributorOne of Canada's largest property and casualty insurers with thousands of independent brokers. Offers comprehensive auto, home, and commercial insurance products. NautiMax marine insurance brand also offered.
• Intact InsurancecoreChannel Partner/ Reseller/ DistributorCanada's largest property and casualty insurer with over 11,000 employees and 35 offices. Provides auto, home, boat, ATV, snowmobile, and commercial insurance. Known for Usage-Based Insurance and 24/7 claims service.
• Economical InsurancecoreChannel Partner/ Reseller/ DistributorFounded in 1871, one of Canada's oldest and largest insurers. Multiple brands including Sonnet, Petline, and Western General Farm Insurance. Offers auto, home, group, and business insurance.
• Peace Hills InsurancecoreChannel Partner/ Reseller/ DistributorWestern Canadian insurance company founded in 1982 with support from Samson Cree Nation. Over 200 employees with broker network across Western Canada. Provides auto, home, and business insurance.
• Sandbox Mutual InsuranceminorChannel Partner/ Reseller/ DistributorFormerly Saskatchewan Mutual Insurance, rebranded in 2022. Co-operative insurance company founded in 1908 serving Western Canada. Provides commercial and home insurance products.
• Optimum General InsuranceminorChannel Partner/ Reseller/ DistributorPart of the Optimum Group founded in 1976. Three subsidiaries, eight regional offices, hundreds of independent brokers. Provides commercial, automobile, and residential coverage.
• Hagerty InsuranceminorChannel Partner/ Reseller/ DistributorFamily-run insurance provider founded in 1983 specializing in classic car and boat insurance. Headquartered in Traverse City, Michigan. Known for Hagerty Valuation Tools and premiums 44% lower than daily driver insurance.
• AMI Autoglass InsuranceminorChannel Partner/ Reseller/ DistributorSpecialized Alberta provider of vehicle glass insurance. Covers windows, sunroofs, and windshields with low deductibles and claims that don't affect core vehicle coverage.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Westland Insurance Group: Canada's largest independent insurance brokerage, offering personal and commercial lines across Western Canada. Directly comparable to Capital Insurance Brokers in independent brokerage model, multi-carrier access, and SMB/individual customer focus.
• Acera Insurance: Canadian mid-market insurance brokerage serving commercial and personal clients. Comparable in multi-line independent brokerage positioning and Canadian regional presence.
• BrokerLink: Canadian retail insurance brokerage chain selling auto, home, and commercial policies through multiple provincial offices. Directly comparable in independent brokerage structure, multi-line product breadth, and broker-assisted sales model serving individuals and small businesses.
• Billyard Insurance Group: Growing Canadian independent insurance brokerage franchisor with multi-line personal and commercial offerings across multiple provinces. Comparable in independent broker model, multi-carrier approach, and entrepreneurial expansion strategy.
• ARC Insurance Brokers: Affiliated independent broker network with which Capital Insurance Brokers maintains a formal affiliation. Operates as a comparable independent brokerage serving Alberta and surrounding markets with similar product breadth and carrier access.

Broad incumbents

• Hub International: Large global insurance brokerage with significant Canadian operations across personal and commercial lines. Overlaps with Capital Insurance Brokers on product breadth but operates at a much larger scale with broader geographic and specialty coverage.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with Canadian operations. Comparable commercial lines capabilities and broker-distributed insurance model, but at significant scale and with broader enterprise focus.
• Intact Financial Corporation: Canada's largest property and casualty insurer, providing auto, home, and commercial coverage through broker and direct channels. Relevant as both a Capital Insurance Brokers carrier partner and a benchmark for the Canadian P&C market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/CapitalInsuranceBrokersEdmonton
• LinkedInlinkedin.com/company/capital-insurance-brokers

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 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 Capital Insurance Brokers