Pacific Insurance Broker

What Pacific Insurance Broker does

Pacific Insurance Broker is a Canadian insurance brokerage, branded and operated as Acera Insurance, that places personal, commercial, and group-benefits coverage on behalf of customers through a network of 100+ insurance carrier partners. Founded in 1979 and headquartered in Richmond Hill, Canada, the firm operates 70+ branches across all Canadian provinces and territories, generating revenue primarily through carrier commissions on policies placed (a transaction-fee model). Its core product set spans auto, home, travel, life, health, disability, and business insurance, complemented by a long tail of specialty lines (equine, farm, pet, firearms, luxury auto/home, collector car, short-term rental, adventure travel, cyber) and a premium sub-brand, Signature by Acera, for high-value assets.

The brokerage combines a branch-led go-to-market model with digital self-service layers including online quote requests, claims submission, and the MyAcera mobile app for policy management. Customer segments are organized horizontally into Personal/Individual, Business, and Group Benefits, each with dedicated product suites. Operating coverage extends nationally with all 13 provinces/territories served. The company is privately held, employee-owned (680+ employee owners), and most recently completed a transformational combination with Navacord to broaden service capabilities and national reach. The underlying technology stack is a conventional insurance brokerage platform — quote, policy administration, claims, and a customer-facing app — with no disclosed AI/ML, proprietary models, or developer-facing APIs.

Customer acquisition relies on a mix of branch-based local advisory, content marketing/SEO, organic social, and a website-driven quote funnel, with referral and community engagement playing a recurring role. Pricing is individualized per customer risk profile and carrier mix, with no public price list. Regulatory standing includes RIBO (Registered Insurance Broker of Ontario) registration as a compliance marker.

Name

Pacific Insurance Broker

Legal name

Acera Insurance

Website

https://pacins.ca

Company type

Private

Founded year

1979

Operating status

Operating

Headcount range

11–50 employees

Short description

Canadian insurance brokerage operating as Acera Insurance, placing personal, commercial, and group-benefits coverage through 70+ branches and 100+ carrier partners for individuals, businesses, and employers across Canada.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Commercial Lines Insurance Brokerage (FSAEADAB), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Personal insurance coverage
• Commercial insurance solutions
• Group benefits consulting
• Specialty insurance products

Headquarters

HQ city

Richmond Hill

HQ country

Canada

HQ region

North America

Offices1 record

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: Pacific Insurance Broker operates as an insurance broker earning commissions from insurance carriers for placing business. They represent 100+ insurance partners and earn commissions when customers purchase policies through their brokerage.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Pacific Insurance Broker is a Canadian insurance brokerage that places personal, commercial, and group benefits coverage with 100+ insurance carrier partners on behalf of clients. The firm operates through a 70+ branch network across all provinces and territories, supplemented by digital quote, claims, and policy management tools including the MyAcera mobile app. Revenue is earned through commissions paid by carrier partners for policies placed.

Product overview

Acera Insurance is a Canadian insurance brokerage platform offering a comprehensive portfolio of personal, business, and specialty insurance products through a network of 70+ branches and 100+ insurance partners. The core offering consists of personal insurance products (Auto, Home, Travel, Life, Health, and Disability coverage) alongside business insurance solutions and group benefits consulting. Specialty products include Equine, Farm, Cyber, Pet, Luxury Home, Luxury Auto, and Collector Car insurance, addressing niche market segments. Signature by Acera serves as a premium sub-brand providing bespoke high-value asset coverage. The company operates as an employee-owned organization with 24/7 claims reporting capabilities.

Differentiator

Problem solved

Functional benefit

Brands

• Signature by Acera: Specialized service providing custom coverage for high-value assets.

Products and services

• Auto Insurance
• Collector Car Insurance
• Luxury Auto Insurance
• Motorcycle Insurance
• Boat Insurance
• Off-Road Vehicle Insurance
• RV, Motorhome & Trailer Insurance
• Home Insurance
• Condo Insurance
• Luxury Home Insurance
• Landlord Insurance
• Short Term Rental Insurance
• Tenant Insurance
• Strata Deductible Insurance
• Equine Insurance
• Farm Insurance
• Firearms Insurance
• Cyber Insurance
• Pet Insurance
• Investment Property Insurance
• Seasonal Property Insurance
• Valuable & Collections Insurance
• Life Insurance
• Individual Health and Dental Plans
• Critical Illness Insurance
• Disability Insurance
• Travel Insurance
• Adventure Travel Insurance
• Signature by Acera Insurance
• Business Insurance
• Course of Construction Insurance
• Group Benefits Consulting (Employee Benefits)
• Group Benefits Programs

Named customers3 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

Feature1 record

Partnerships

Two partnerships are on record, tiered core.

• NavacordcoreStrategic or Co-development PartnerAcera Insurance and Navacord have united to provide Canadians with greater choice and solutions. This transformational deal combines two insurance brokerages to expand service capabilities and coverage options for customers across Canada.
• Insurance Partners (100+ carriers)coreChannel Partner/ Reseller/ DistributorPacific Insurance Broker works with 100+ insurance partners/carriers to provide comprehensive coverage options. These partner relationships enable the brokerage to shop multiple insurers on behalf of customers to find competitive pricing and appropriate coverage.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Intact Financial Corporation: Canada's largest P&C insurer operating both direct-to-consumer brands and broker distribution arms. Comparable through its brokerage distribution channels serving the same Canadian personal and commercial customers.
• Hub International: One of the largest insurance brokerages in North America with significant Canadian operations across personal and commercial lines. Larger and more diversified than Acera, but overlap in core brokerage intermediation model.
• Aon Canada: Canadian operations of global insurance brokerage and advisory firm. Competes for commercial accounts and benefits placements against Acera's business and group benefits segments.
• Marsh Canada: Canadian arm of Marsh, the global insurance broker and risk adviser. Overlaps with Acera in commercial brokerage and risk advisory, though more weighted to large enterprise clients.
• Arthur J. Gallagher & Co. (Canada): Global insurance brokerage with substantial Canadian presence in commercial and personal lines. Comparable intermediation model with broader international platform.

Regional players

• Rogers Insurance: Alberta-based multi-line insurance brokerage offering personal, commercial, and benefits products. Comparable business model and product breadth, though concentrated in Western Canada.
• Western Financial Group: Western Canadian insurance brokerage and financial services network with strong Alberta and prairie presence. Comparable brokerage model with regional rather than national footprint.
• Capstone Insurance Services: Canadian commercial insurance brokerage with national reach through partner networks. Comparable commission-based brokerage model focused on commercial and specialty lines.

Direct peers

• BrokerLink: Major Canadian multi-line insurance brokerage with national branch network offering personal and commercial insurance across Canada. Directly comparable in scale, product mix, and distribution model to Acera Insurance.
• Westland Insurance Group: Large Canadian insurance brokerage with national presence and similar multi-line personal and commercial offerings. Comparable business model centered on commission-based brokerage with carrier partnerships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Pacificinsurance
• LinkedInlinkedin.com/company/pacific-insurance-brokers-inc.
• Instagraminstagram.com/acera_insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Pacific Insurance Broker