Malouin Assurance

What Malouin Assurance does

Malouin Assurance is a family-owned damage insurance brokerage (cabinet de courtiers en assurance de dommages) founded in 1962 by Arthur Malouin in Saint-Césaire, Quebec, and now led by his son Yvan Malouin as President with the third generation (Sarah, Maxime, and Mélanie Malouin) assuming Director-level roles. The firm operates four regional branch offices across the Montérégie and Eastern Townships region — Saint-Césaire (headquarters), Bedford, Granby, and Saint-Hyacinthe — and serves individuals, small and medium businesses, and farmers with personal auto and home coverage, recreational-vehicle coverage, eleven commercial insurance verticals, and a dedicated agricultural line covering livestock, farm buildings, equipment, crops, tractors, and farm civil liability.

The firm earns revenue exclusively through commissions on premiums placed with a panel of insurance carriers, with Intact Assurance as the primary partner (with disclosed financial ties) and secondary placement through Promutuel, L'Unique, Pafco, Wawanesa, April Marine, Optimum Agricole, and Estrie Richelieu. It does not develop proprietary technology: online quoting runs on the Applied Systems webrater platform offering 5-minute and 20-minute quote flows, and online payment processing runs on AppliedPay. Strategic partnerships with AssurExperts (construction/renovation vertical) and integration of acquired brokerages — Morin Assurances (acquired 2021) and Bernard Ducharme satellite offices — have been the primary growth mechanisms. Customer acquisition is sales-led through dedicated broker relationships, four physical branches, inbound phone, online quote forms, and word-of-mouth referrals, with the firm positioning itself on proximity, versatility, and plain-language advisory service rather than on technology differentiation.

Name

Malouin Assurance

Legal name

Malouin Assurance

Website

https://malouinassurance.ca

Company type

Private

Founded year

1962

Operating status

Operating

Headcount range

11–50 employees

Short description

Malouin Assurance is a family-owned Quebec damage insurance brokerage founded in 1962, placing personal, commercial, and farm insurance with carriers led by Intact Assurance through four regional branches and a team of ~40+ brokers.

Ownership category

akta.pro rank

Headquarters

HQ city

Quebec

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: Malouin Assurance earns revenue by acting as an insurance broker, placing policies with insurance carriers (Intact, Promutuel, L'Unique, Pafco, Wawanesa, April Marine, Optimum, Estrie Richelieu, and others) and earning commissions on the premiums placed. The company has financial ties with Intact Assurance and primarily deals with them. Revenue is recurring in nature as insurance policies renew annually.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels5 records

Core offering

Malouin Assurance is an independent Quebec insurance brokerage that places personal, commercial, and agricultural damage insurance for clients by shopping their coverage across multiple insurance carriers, primarily anchored by a long-standing relationship with Intact Assurance. Clients are matched with a dedicated broker who assesses their needs and recommends coverage from the carriers available to the brokerage, with service delivered through regional branch offices and digital channels.

Product overview

Malouin Assurance is a damage insurance brokerage firm (courtier en assurance de dommages) founded in 1962 in Saint-Césaire, Quebec, offering a comprehensive portfolio of insurance products through a network of four regional branches. The company operates as a broker, shopping insurance on behalf of clients from multiple insurance providers. The product portfolio is organized into four core segments: Personal Insurance (auto, home, and recreational vehicles including boats, motorcycles, snowmobiles, ATVs, and RVs), Business Insurance (covering industries such as construction, wholesale/distribution, retail, manufacturing, transportation, real estate, professional services, and hospitality), and Agricultural Insurance (covering livestock, farm buildings, equipment, crops, tractors, and civil liability). Home insurance includes specialized sub-products for homeowners, cottages, condos, tenants, and non-occupying owners. The company primarily partners with Intact Assurance and works with additional insurers including Promutuel, L'Unique, Pafco, Wawanesa, and April Marine.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Quantifiable outcome

• Annual insurance review recommended to avoid inadequate, overpriced, or misunderstood policies; company claims to help clients avoid automatic renewal habits that lead to poor coverage

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

13 partnerships are on record, tiered core and minor.

• Intact AssurancecoreOthersPrimary insurance carrier partner. The company explicitly states it has financial ties with Intact Assurance and primarily deals with them for placing client coverage. Intact is a major Canadian property and casualty insurer.
• PromutuelminorOthersInsurance carrier partner listed among the company's supplier logos. Promutuel is a Quebec-based mutual insurance company.
• L'UniqueminorOthers
• PafcominorOthersInsurance carrier partner listed among the company's supplier logos. Pafco is a surplus lines insurer.
• WawanesaminorOthersInsurance carrier partner listed among the company's supplier logos. Wawanesa is a Canadian mutual insurance company.
• April MarineminorOthersInsurance carrier partner for boat and recreational marine insurance. Listed among partners and also as an out-of-hours claims contact. April Marine specializes in recreational marine coverage.
• Optimum Assurance AgricoleminorOthersAgricultural insurance carrier partner listed on the agricultural insurance page. Specializes in farm insurance products.
• Estrie RichelieuminorOthersAgricultural insurance carrier partner listed on the agricultural insurance page.
• AssurExpertsminorStrategic or Co-development PartnerStrategic partner network in the construction/renovation insurance vertical. Listed as a partner on the construction and renovation insurance page. The AssurExperts network provides specialized expertise in contractor insurance.
• PMU Pacific MarineminorOthersMarine insurance partner listed on the boat and personal watercraft page alongside the Orbite logo.
• OrbiteminorOthersMarine insurance partner listed alongside PMU Pacific Marine on the boat and personal watercraft page.
• Morin AssurancescoreOthersAcquired by Malouin Assurance in 2021, as noted in the blog/article 'Malouin Assurance acquiert le cabinet Morin Assurance.' The acquisition expanded Malouin Assurance's footprint and client base. The Morin Assurances team (e.g., Lucie Dumouchel) appears integrated under the Malouin Assurance brand.
• Bernard Ducharme (branch)minorOthersBranch operation listed under the Malouin Assurance team page with its own contact information (Saint-Jean, Granby, Saint-Hyacinthe satellite locations). Several team members (Alexandra Lapalme, Anne-Marie Ducharme, Caroline Dugas, Dominic Yelle, Doris Grenier, Emilly Larocque, France Guy, Isabelle Desrosiers, Jessica Gravel, Julie Des Ormeaux, Karyne Gagné, Patricia Meunier, Sandy Laliberté, Solange Gagnon, Stéphane Bouthillette) are associated with this branch under the malouinassurance.ca domain.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• BrokerLink: One of Canada's largest insurance brokerage networks with a significant Quebec presence. Direct competitor offering personal, commercial, and specialty lines through regional branches — directly comparable to Malouin's multi-line brokerage model and Quebec geographic footprint.
• Lussier Assurance: Quebec-based independent insurance brokerage offering personal, commercial, and group insurance across multiple regions. Highly comparable as a Quebec-rooted, multi-line brokerage serving individuals, businesses, and farmers through a network of offices.

Regional players

• Promutuel Assurance: Quebec-based mutual insurer with deep regional roots across the province, serving personal, commercial, and agricultural clients. Comparable as a Quebec-focused multi-line competitor, though it operates as a carrier/mutual rather than a brokerage, and is also one of Malouin's carrier partners.
• Groupe Ultima: Quebec mutual insurance group (including La Capitale and SSQ Insurance) serving individuals, businesses, and groups across the province. Comparable as a Quebec-rooted multi-line insurance provider competing for the same personal and commercial clients Malouin serves.

Emerging players

• CAA-Quebec: Quebec division of CAA offering auto and home insurance alongside roadside and travel services to a large Quebec membership base. Comparable as a Quebec-focused insurer/broker competing for the same personal-lines customers, with a strong regional brand similar in trust-positioning to Malouin.
• Belairdirect: Direct-to-consumer online insurance brand owned by Intact, offering auto and home insurance in Quebec. Comparable as a competing Quebec distribution channel for the same personal-lines products Malouin brokers, representing the digital threat to traditional brokerage models.

Others

• Intact Financial Corporation: Largest Canadian P&C insurer and Malouin's primary carrier partner with financial ties. Comparable as the dominant counterparty in Malouin's placement economics; relevant because of concentration risk and as the indirect parent of Belairdirect, which competes for the same end clients via a different channel.

Broad incumbents

• Hub International: Large North American insurance brokerage with Canadian operations including Quebec. Comparable as a multi-line commercial and personal brokerage serving Canadian businesses and individuals, though operating at significantly greater scale and broader geography than Malouin.
• Desjardins Insurance: Insurance arm of Desjardins Group, Quebec's largest financial cooperative, offering P&C, life, and group insurance across Quebec. Comparable as a Quebec-anchored multi-line insurance provider competing for the same personal, commercial, and agricultural clients, though operating at vastly greater scale and as a carrier rather than broker.
• The Cooperators: Canadian insurance co-op offering home, auto, farm, commercial, and life insurance with a national network. Comparable as a multi-line P&C provider with particular strength in agricultural and personal lines, competing for similar Canadian clients, though structured as a carrier/cooperative rather than an independent brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/malouin-assurance
• Xx.com/malouin_y
• Facebookfacebook.com/profile.php

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Malouin Assurance