Assur Experts

What Assur Experts does

AssurExperts Inc. is a private Quebec-based insurance brokerage network founded approximately 2001, operating from its head office at 540 Rue Michel-Fragasso, Québec City. Rather than functioning as a single tied agency, the company is structured as a banner and services hub for an affiliated network of more than 50 independent member brokerages (cabinets membres) that distribute personal, commercial, agricultural, surety, travel and life/financial-services insurance across all 17 Quebec administrative regions. End customers are Quebec individuals, families, SMEs, contractors, farmers and self-employed professionals, served both directly through online quote forms (soumission-en-ligne and assurexperts.prixrapide.com) and indirectly via local member brokers.

The product portfolio spans ten insurance lines: residential (including high-value and non-standard), automobile, recreational vehicles, commercial/SME, professional liability (E&O), commercial general liability under Lloyd's-syndicate binding authority, surety bonds (including RBQ licence bonds of $20,000 specialized / $40,000 general), farm, travel (in partnership with Tour+Med with medical coverage up to $5,000,000), and life insurance plus financial services. The technology layer is conventional—WordPress/Elementor with Polylang (FR/EN), CookieYes consent, Google Analytics, a Prixrapide-powered online auto-quote portal, and an external broker-access portal at accescourtier.com—rather than a proprietary underwriting or data platform.

The business model is commission- and fee-based. Revenue streams include (1) brokerage commissions on policies placed with a panel of 14+ partner insurers (Intact, Aviva, L'Unique, Échelon, Pafco, Economical, Lloyd's, Groupe Estrie Richelieu, Travelers, Financement Eurêka, Northbridge, Coast, Everest, Chubb, RSA), (2) MGA / binding-authority fees on Lloyd's-syndicate CGL placements and direct surety-bond issuance, (3) life, disability and retirement-planning commissions, (4) travel-insurance commissions via Tour+Med, and (5) long-term equity participation in affiliated member firms. Member-firm affiliation is fee-free at entry and exit, with revenue captured through commission splits and shared underwriting authority.

Name

Assur Experts

Legal name

AssurExperts Inc.

Website

https://assurexperts.qc.ca

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

AssurExperts Inc. is a private Quebec-based insurance brokerage network operating since ~2001, distributing personal, commercial, surety, agricultural, travel and life insurance through 50+ affiliated member brokerages across all 17 Quebec regions, with Lloyd's binding authority for niche CGL.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Other Direct Insurance (except Life, Health, and Medical) Carriers (524128)

SIC

Insurance Agents, Brokers & Service (6411), Surety Insurance (6351)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Surety & Bond Brokerage (FSAEADAI)

Keywords

• Insurance brokerage services
• Commercial general liability
• Surety bond underwriting
• Residential property insurance
• Quebec insurance broker

Headquarters

HQ city

Quebec

HQ country

Canada

HQ region

North America

Offices15 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance broker commissions (personal and commercial lines): Core revenue stream: AssurExperts and its member brokers earn commissions from a broad panel of partner insurers (Intact, Aviva, L'Unique, Échelon, Pafco, Economical, Lloyd's, Groupe Estrie Richelieu, Travelers, Northbridge, Everest, Chubb, RSA, etc.) on policies placed for personal and commercial clients. Commission levels are described as "full commission" on additional markets.
2. MGA / underwriting authority fees on Lloyd's-syndicate and surety products: Revenue earned through holding binding authority with Lloyd's syndicates to distribute Commercial General Liability (CGL) products and through agency contracts that allow direct placement and issuance of surety bonds.
3. Life insurance and financial-services commissions: Commissions on life, disability and retirement-planning products sold through in-house financial planners.
4. Travel-insurance commissions via Tour+Med partnership: Commissions on travel-insurance policies (medical coverage up to $5,000,000; trip plans up to 183 days or annual multi-trip plans of 8/15/30 days) distributed via an agreement with partner Tour+Med.
5. Independent broker / affiliated-firm equity participation: Long-term upside from autonomous associated brokers ("Producteur Autonome Associé") and member-firm affiliations; member firms benefit from equity built over time as they grow their book under the AssurExperts banner. No entry or exit fees are charged to member firms.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

AssurExperts operates a province-wide network of 50+ independent Quebec insurance brokerages that place residential, automobile, recreational-vehicle, commercial/SME, professional liability, commercial general liability, surety, farm, travel and life/financial-services coverage with 14+ partner carriers, supported by an online quote portal that redistributes leads to local member brokers and head-office Lloyd's binding authority for specialized CGL and surety products.

Product overview

AssurExperts is a Quebec insurance brokerage network rather than a single unified software product. Its offering is structured as a broker platform plus insurance product modules: a core brokerage distributed across member firms spanning 17 Quebec regions, with a portfolio of ten insurance product lines (Residential, Automobile, Recreational Vehicles, Commercial, Professional Liability, Commercial General Liability, Surety Bonds, Farm, Travel, and Life Insurance & Financial Services). These product lines are supported by an Online Quote Portal (Soumission en ligne, backed by the Prixrapide quote engine), a Broker Access Portal (Accès Courtier) for affiliated brokers, and two affiliation programs — Member Firm and Independent Broker Partner — that let external brokerages and producers plug into AssurExperts' tools, multiple partner insurers (Intact, Aviva, L'Unique, Echelon, Pafco, Economical, Lloyd's, Estrie Richelieu, Travelers, Northbridge, Coast, Everest, RSA, Chubb, Tour+Med, etc.) and MGA underwriting authority.

Differentiator

Problem solved

Functional benefit

Brands

• AssurExperts: Quebec's leader network of independent insurance brokerages offering personal, commercial, agricultural, surety, travel and life insurance/financial services under a shared banner.

Products and services

• Residential Insurance (Assurance Habitation) Homeowners, tenants, condominium-owner, high-value/prestige (properties over $1M with assets over $200,000) and non-standard residential coverage, with endorsements such as replacement cost, legal insurance, pool/spa, secondary/seasonal residence, new home construction and earthquake; distributed through member broker firms in Quebec.
• Automobile Insurance (Assurance Automobile) Mandatory Quebec automobile coverage with optional endorsements including replacement cost, loss of use, waiver of depreciation, liability for damage to non-owned vehicles, and multi-vehicle/profession/anti-theft discounts; lead capture through the assurexperts.prixrapide.com online quote portal.
• Recreational Vehicles Insurance (Assurance Véhicules Récréatifs) Specialty coverage for motorhomes, 5th-wheel trailers, camper/tent/park trailers, motorcycles, ATVs/side-by-sides, boats, jet-skis, sailboats, pontoons, speed/fishing boats and Spyder/T-Rex vehicles, with association, bundling, anti-theft and credit-score discounts.
• Commercial / SME Insurance (Assurance Entreprises) Tailored commercial contracts for SMEs, artisans, home-based workers and larger companies covering property (theft, vandalism), commercial general liability, commercial vehicles and surety bonds; brokers hold binding authority with several insurers to place these accounts.
• Professional Liability Insurance / Errors and Omissions (Responsabilités Professionnelles) Errors and omissions coverage that protects a business against material or personal damage caused to others as a result of fault, defective performance or breach of contract in the execution of professional activity; placed with partner insurers through member brokers.
• Commercial General Liability Insurance (Responsabilité Civile Générale) Commercial General Liability placed under an agency contract with underwriting authority from Lloyd's syndicates for niche SME segments including building owners, non-profits, construction contractors, retail stores, self-employed workers, non-traditional estheticians/therapists and small manufacturers.
• Surety Bonds (Cautionnement) Surety services including RBQ licence bonds ($20,000 specialized contractors, $40,000 general contractors), bid bonds, OPC licence/permit bonds and contract surety for Quebec contractors; an in-house team handles dossier preparation, insurer negotiation and bond issuance.
• Farm Insurance (Assurance Agricole) Agricultural coverage for dairy, pig/cattle, vegetable, poultry, maple syrup and unoperated (gentleman farmer) operations, covering dwellings, farm buildings, farm machinery, agricultural products and farming-operations liability, with optional water-damage, replacement-cost, loss-of-use, power-interruption and operating-loss endorsements.
• Travel Insurance (Assurance Voyage) Travel coverage offered in partnership with Tour+Med, with medical protection up to $5,000,000 for plans up to 183 consecutive days or annual multi-trip plans covering trips of 8, 15 or 30 days; non-medical benefits include cancellation/interruption, baggage protection and accidental death or dismemberment.
• Life Insurance and Financial Services (Assurance Vie et Services Financiers) Life, disability and retirement-planning services delivered by AssurExperts financial planners who perform a comprehensive analysis of the client's situation and investor profile to recommend plans from financially-sound providers.

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Eight partnerships are on record, tiered flagship carrier, core carrier, flagship specialty carrier, core carrier panel, exclusive travel-insurance partner, minor, flagship distribution channel and strategic growth channel.

• Intact Assuranceflagship carrierStrategic or Co-development PartnerListed first among AssurExperts' partner insurers and shown as a dedicated "Intact Prestige" line on the claims page (1-844-613-7794). Provides carrier capacity across personal, high-value-residential, commercial and surety lines distributed by the network.
• Aviva (and Aviva Élite)core carrierStrategic or Co-development PartnerPartner insurer across personal, commercial and high-value lines; separate Aviva Élite claims line (1-866-692-8284) indicates a dedicated product tier for higher-value risks.
• Lloyd's (syndicates)flagship specialty carrierOEM/ Whitelabel/ Licensing PartnerAssurExperts Inc. holds an agency contract with underwriting authority with Lloyd's syndicates to distribute a wide range of Commercial General Liability (CGL) products for SMEs in specialized niches (building owners, non-profits, building contractors, retail stores, self-employed workers, non-traditional aestheticians/therapists, small manufacturers).
• L'Unique / Échelon / Pafco / Economical Assurance / Groupe Estrie Richelieu / Travelers / Northbridge / Coast / Everest / Chubb / RSA / Financement Eurêkacore carrier panelChannel Partner/ Reseller/ DistributorAssurExperts "only deals with insurers who have a solid reputation and strong financial foundations." Together with Intact, Aviva and Lloyd's these carriers form the panel placed across personal, commercial, surety and niche lines by member brokers; all have dedicated claims numbers listed on the reclamation page.
• Tour+Medexclusive travel-insurance partnerStrategic or Co-development PartnerAssurExperts has entered into an agreement with partner Tour+Med to offer travel insurance to all its clients with medical coverage of up to $5,000,000, including plans up to 183 consecutive days and annual multi-trip plans of 8/15/30 days; non-medical coverages include cancellation/interruption, baggage protection and accidental death/dismemberment.
• IDECOM (agenceidecom.com)minorGTM or Marketing PartnerMarketing/web-agency partner credited in the footer of the corporate site as "An IDECOM Realisation" — responsible for website design and implementation.
• AssurExperts member firms (network of Quebec brokerages)flagship distribution channelChannel Partner/ Reseller/ Distributor50+ independent Quebec brokerages operate under the AssurExperts banner as "cabinets membres"; they receive additional markets with full commissions, exclusive products, a continuing-education program, free alarm systems for their clients, and shared online lead flow. No entry or exit fees. Includes large clusters in Montérégie, Québec City, Montréal, Laval, Laurentides, Lanaudière, Estrie and Saguenay–Lac-Saint-Jean.
• Independent broker partners (Producteur Autonome Associé program)strategic growth channelChannel Partner/ Reseller/ DistributorProgram for individual producers who want to build their own customer book under the AssurExperts banner; allows starting from home with no investment beyond a computer and phone, with AssurExperts handling administration until the broker can spin out as a full firm.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Groupe Ultima: Quebec mutual insurance group operating through a network of affiliated brokerages (including the Lemay and Paquette banners). Comparable as a Quebec-only multi-broker distribution platform serving personal and commercial clients, though structured as a mutual rather than a brokerage network.
• Western Financial Group: Canadian multi-branch insurance brokerage network primarily serving Western Canada. Comparable as a branch-based retail brokerage distributing personal and commercial lines through affiliated brokers, but operating in a different geography than AssurExperts' Quebec-only footprint.

Emerging players

• Sonnet Insurance: Online-direct home and auto insurer (subsidiary of Definity Financial) competing in Quebec. Comparable as a Quebec-licensed digital quote-and-bind platform, but competing via direct digital distribution rather than through broker networks like AssurExperts.

Direct peers

• Lussier: Quebec-headquartered insurance and financial services brokerage with a multi-branch presence across the province. Directly comparable as a Quebec-rooted broker network distributing personal, commercial and group insurance, competing for the same regional broker talent and client base as AssurExperts.
• BrokerLink: One of Canada's largest retail insurance brokerage networks with hundreds of branches across multiple provinces. Directly comparable to AssurExperts as a multi-branch broker banner distributing personal and commercial lines through affiliated brokers, though operating at a larger national scale outside Quebec.

Broad incumbents

• Hub International: Large North American insurance brokerage that acquires and operates regional broker networks. Comparable as a multi-carrier brokerage platform with binding/specialty authority, but operating at vastly greater scale and across multiple geographies.
• Marsh Canada: Global insurance brokerage with a Canadian practice covering commercial, surety and specialty risks. Comparable as a multi-line broker placing complex risks through Lloyd's and other specialty markets, but operating at enterprise scale rather than the Quebec SME segment AssurExperts serves.
• Arthur J. Gallagher (Gallagher Canada): Global insurance brokerage and risk-management firm with a Canadian practice that places commercial, surety and specialty lines through Lloyd's and other markets. Comparable as a multi-line broker with Lloyd's and surety expertise, but serving mid-market and enterprise clients rather than Quebec SMEs.
• Belairdirect: Intact Financial's direct-to-consumer insurance brand operating in Quebec and other provinces. Comparable as a Quebec auto and home insurance distributor with a digital quote portal, but competing via direct-to-consumer rather than broker-mediated distribution.

Others

• Intact Financial Corporation: Canada's largest P&C insurer and AssurExperts' flagship carrier partner. Comparable because Intact's distribution strategy, broker panel economics and direct brands (belairdirect, Sonnet) directly shape AssurExperts' commission income and competitive environment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/AssurExperts
• LinkedInlinkedin.com/company/assurexperts

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries17 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 Assur Experts