The ReFrame Group

What The ReFrame Group does

The ReFrame Group, legally The ReFrame Financial Group Inc., is a privately held Canadian insurance brokerage headquartered in Vancouver with a secondary office in Toronto. Founded in 2013 (originally as Corporate Occupational Solutions and rebranded to its current form), the firm serves businesses, business owners, and individuals across Canada — and selectively in the US — with an eight-line service portfolio spanning group benefits, business insurance, personal insurance, life insurance, retirement services, surety bonds, specialty insurance, and financial planning. Its customer base is concentrated in small and mid-market employers across healthcare, technology, food and beverage, non-profit, real estate, and emerging verticals such as cannabis and esports.

The firm operates as a commission-based insurance brokerage earning transaction fees from carriers for placing group benefits, commercial, personal, life, and specialty policies, supplemented by financial planning fees. Pricing is quote-based with no published tiers, and free initial consultations are offered through its website and inbound channels. Underlying technology is modest: a web-based client management and communication platform built around thereframegroup.com, with Google Maps APIs as the only documented integration. There is no proprietary AI, data, or underwriting technology stack disclosed; the operating model is fundamentally advisory- and relationship-driven rather than technology-led.

ReFrame's go-to-market is hybrid but leans event- and community-driven. The company hosts monthly thought-leadership events in Vancouver and the Lower Mainland (389 events, 42,116+ attendees, 8,887+ connections, and 294 featured thought leaders to date), maintains active presence across LinkedIn, Facebook, Twitter, Instagram, and YouTube, runs a structured referral program ($500 employee referrals, 25% of first-year commissions for client referrals), and leverages B Corp certification as a values-based differentiator against traditional brokers. In November 2021 the firm acquired Netsurance Canada and subsequently expanded into Toronto, while growing its product surface into surety bonds and specialty lines such as cannabis and esports.

Name

The ReFrame Group

Legal name

The ReFrame Financial Group Inc.

Website

https://thereframegroup.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Short description

The ReFrame Group is a privately held Canadian insurance brokerage offering group benefits, commercial, personal, life, surety, and specialty insurance alongside financial planning. It serves small and mid-market businesses, business owners, and individuals across Canada from offices in Vancouver and Toronto.

Ownership category

akta.pro rank

Headquarters

HQ city

Vancouver

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: The ReFrame Group operates as an insurance brokerage earning commissions from insurance carriers for placing business. Revenue comes from both group benefits (employee health, dental, vision plans) and commercial/personal insurance policies. Commissions are typically a percentage of premiums written and may include renewal commissions.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels10 records

Core offering

The ReFrame Group is a Canadian insurance brokerage that places group benefits, commercial, personal, life, specialty, and surety bond coverage with insurance carriers on behalf of businesses and individuals. The firm also delivers financial planning and retirement services, earning commissions from carriers for the policies it places. Service delivery is conducted through licensed in-house advisors via direct consultations, with supporting community events and an online quote-request channel.

Product overview

The ReFrame Group is a Canadian insurance brokerage offering a comprehensive portfolio of insurance and financial services. The core offerings span eight main service categories: Group Benefits (customized employee benefits solutions), Business Insurance (commercial coverage including CGL, cyber, and contractor insurance), Personal Insurance (home, condo, renters coverage), Life Insurance (term, critical illness, disability), Retirement Services (group retirement planning), Surety Bonds (bid, performance, and maintenance bonds), Specialty Insurance (ATV, boat, cannabis, esports coverage), and Financial Planning (wealth management and tax-efficient strategies). These services are delivered through multiple sub-products and specialized offerings including HR technology administration, pharmacy benefit management, cross-border benefits, and business owner planning. The company also provides Flexible Spending Accounts as an add-on service. All offerings are unified under a people-first philosophy with B Corp certification, targeting businesses and individuals across Canada.

Differentiator

Problem solved

Functional benefit

Products and services

• Group Benefits Customized group benefits solutions for employers covering health, dental, vision, life, disability, wellness programs, and related administration for their workforce.
• Business Insurance Commercial insurance brokerage placing property, liability, cyber, professional liability, D&O, contractor, and other business coverage lines for commercial clients.
• Personal Insurance Personal lines brokerage placing home, condo, renters, tenant, and short-term rental insurance coverage for individuals and families.
• Life Insurance Life insurance brokerage services covering term and whole life, critical illness, disability, and corporate-owned life insurance for individuals and businesses.
• Retirement Services Group retirement planning and management services designed to help employees grow and protect retirement wealth.
• Surety Bonds Surety bond brokerage covering bid, performance, maintenance, payment, contractor, and customs bonds for project and contractual obligations.
• Specialty Insurance Specialty insurance brokerage for niche risks including ATV, boat, dirt bike, snowmobile, off-road, esports, cannabis, travel, and special event coverage.
• Financial Planning Financial planning and wealth management services for individuals and business owners, including tax, succession, retirement, and estate strategies.
• Flexible Spending Accounts Flexible spending account solutions allowing employees to set aside pre-tax dollars for qualified healthcare and dependent care expenses.

Quantifiable outcome

• Client testimonial reports vision plan and life insurance increases with actual rate reduction
• +3 more outcomes

Named customers15 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Six partnerships are on record, tiered core and minor.

• OffsetterscoreStrategic or Co-development PartnerClimate positive partnership for carbon footprint measurement, reduction, and offsetting. ReFrame partners with Offsetters to understand their carbon footprint, reduce emissions where possible, and offset direct carbon emissions. Currently invested in the Offsetters Synergy Portfolio including projects in British Columbia and Uganda.
• KivacoreStrategic or Co-development PartnerMicro-financing partnership enabling ReFrame employees to create micro-financing portfolios for entrepreneurs in financially underserved communities globally. New employees have initial Kiva credit contributions matched by 250% up to $750. Loans chosen from 7 categories: Health, Women, Single Parents, Food, Water & Sanitation, Education, Mission-Driven Orgs.
• Skipper OttominorStrategic or Co-development PartnerCommunity partnership supporting small-scale Canadian fishing families. Skipper Otto Community Fisheries keeps independent fishing alive in Canada, protecting ocean resources and ensuring access to sustainable BC seafood. ReFrame employees receive shared yearly subscription of the season's catch.
• Nature Conservancy of Canada (NCC) & Alberta Fish & Game Association (AFGA)minorStrategic or Co-development PartnerFounding member of Forest B, an old-growth forest afforestation project exclusively for B Corp certified companies. Located on 25 hectares of Alberta's Capital Region Biosphere on land owned by NCC and AFGA.
• Suite GeniusminorGTM or Marketing PartnerEvent venue partner for hosting thought leadership events. Events held at Suite Genius - Mt. Pleasant location (225 West 8th Avenue, Vancouver).
• Bacchus Restaurant & Lounge (Wedgewood Hotel)minorGTM or Marketing PartnerEvent venue partner for executive business owner sessions. Location at 845 Hornby Street, Vancouver, BC inside Wedgewood Hotel.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Western Financial Group: Western Canadian insurance brokerage network offering personal, commercial, and group benefits coverage. Comparable regional peer that overlaps with ReFrame's Vancouver/Western Canada base.
• BrokerLink: Canadian-owned insurance brokerage serving personal, commercial, and specialty lines across multiple provinces. Comparable mid-market Canadian competitor with similar product mix.
• Acera Insurance: Canadian mid-market insurance brokerage offering commercial, personal, and benefits solutions with a culture- and people-focused brand. Comparable in size, geography, and product breadth to The ReFrame Group.
• Navacord: Canadian commercial insurance brokerage holding platform built via M&A of regional brokerages. Highly comparable given its acquisition-led growth model and Canadian mid-market focus.
• Hub International: Large North American insurance brokerage serving mid-market and enterprise accounts across commercial lines, benefits, and personal insurance. Most directly comparable peer given its broker-led, multi-product model and Canadian presence.

Emerging players

• Zensurance: Canadian digital-first commercial insurance brokerage targeting small businesses. Emergent peer with overlapping commercial-line clients but a fundamentally different tech-led delivery model.

Broad incumbents

• Marsh: Global insurance broker and risk advisor operating through Marsh Canada. Targets the same mid-market and large commercial clients for property, casualty, and benefits placements as ReFrame, but as a larger portfolio.
• Aon: Global professional services firm and one of the largest insurance brokers in Canada via Aon Reed Stenhouse. Serves the same employer benefits and commercial risk management clients but at vastly greater scale.
• BFL Canada: Canadian specialty insurance brokerage with strong surety, construction, and commercial lines practice. Comparable on the surety bonds and specialty insurance products ReFrame offers, but at significantly greater scale.
• Willis Towers Watson: Global insurance brokerage and advisory firm serving large Canadian employers in benefits and risk. Overlaps with ReFrame on group benefits strategy and commercial insurance, but at greater scale and scope.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/reframegroup
• YouTubeyoutube.com/channel/UCDi3kdYH7_2Xr9ZpE_ORvaw
• Facebookfacebook.com/TheReFrameGroup
• LinkedInlinkedin.com/company/the-reframe-group
• Instagraminstagram.com/reframeinsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 The ReFrame Group