ONe INSURANCE

What ONe INSURANCE does

ONE Insurance Group Ltd. is a privately held, locally owned insurance brokerage headquartered at 363 Main Street in Selkirk, Manitoba. Operating for more than 70 years across 29 branch locations, the company serves Manitoba households, farms, businesses, and off-road vehicle owners with a multi-line product portfolio spanning personal property (home, tenant, seasonal, condo), commercial, hail/crop, Autopac, ORV, pet, and life and health coverages. It also distributes three exclusive proprietary products: Farm First Insurance for grain, dairy, hog, and poultry operations; NuRoad for ATVs and snowmobiles; and ONE Home Glass, a $40/year residential glass add-on underwritten by Peace Hills Insurance.

The company's technology footprint centers on the ONE24.7 online portal and mobile application, which is built on the Applied Systems Mobile Insured platform and provides customers with policy viewing, document access, online change requests, photo-upload claims reporting, and agent contact. Distribution combines 29 advisor-staffed physical branches, web-based quote tools (home, commercial, farm, hail, ATV, snowmobile), and the ONE24.7 digital self-service layer. Insurance underwriting risk is placed with a panel of Canadian insurers (Aviva, Intact, Peace Hills, Red River Mutual, Wawanesa, SGI Canada, SGI, Sandbox, Portage Mutual, Optimum, Mutual Fire, and others), with life products carried through Wawanesa Life and pet through PetPlan Canada (Fetch).

Revenue is generated primarily through brokerage commissions on policies placed with carrier partners, supplemented by recurring premiums on exclusive add-on products like ONE Home Glass. Pricing is quote-based through licensed advisors, with instant online home insurance quotes and unit-priced ORV coverage featuring discount stacks (Safe Rider/Snopass, age 50+, snowmobile safety course). The company has no external institutional backing identified; capital structure is private and locally controlled. Recent capital allocation has prioritized branch-level M&A — most notably the August 2025 acquisition of Patill / St. James Insurance in Winnipeg — alongside product investment (NuRoad rebrand at the November 2025 Snoman Congress) and community-facing initiatives under the 'Because We Care' charitable program.

Name

ONe INSURANCE

Legal name

ONE Insurance Group Ltd.

Website

https://oneinsurance.ca

Company type

Private

Founded year

1950

Operating status

Operating

Headcount range

101–250 employees

Short description

ONE Insurance is Manitoba's largest locally owned insurance brokerage, operating 29 branches and serving residential, agricultural, commercial, and off-road vehicle customers with multi-carrier brokerage services and exclusive branded products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Property insurance brokerage
• Farm insurance coverage
• Commercial insurance services
• Off-road vehicle insurance
• Personal lines insurance

Headquarters

HQ city

Scottish Borders

HQ country

United Kingdom

HQ region

Europe

Offices30 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: ONE Insurance operates as an insurance brokerage earning commissions from insurance companies for placing client coverage. The company represents multiple insurance markets and works with various insurers to find best policies for customer needs.
2. ONE Home Glass Add-on Coverage: Annual premium revenue from residential glass coverage add-on sold to existing home insurance customers for $40/year plus taxes.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

ONE Insurance is a Manitoba-based insurance brokerage that distributes personal, commercial, agricultural, and specialty insurance products through 29 branch locations. The brokerage represents multiple Canadian insurers and offers exclusive branded products including Farm First Insurance for farmers, NuRoad for off-road vehicles, and ONE Home Glass for residential glass coverage, alongside standard home, tenant, condo, seasonal, commercial, hail, life and health, Autopac, and pet insurance.

Product overview

ONE Insurance offers a comprehensive portfolio of insurance products and services through its network of 29 locations across Manitoba. The company provides both exclusive branded products and standard insurance offerings. Exclusive products include Farm First Insurance (FFI) as the flagship agricultural/farming product, NuRoad for off-road vehicle insurance (ATVs and snowmobiles), and ONE Home Glass as an add-on residential glass coverage policy. Standard offerings encompass home, tenant, seasonal, commercial, condo, hail, life and health, Autopac, and pet insurance. The company operates ONE24.7, a proprietary customer portal for policy management and claims reporting. Insurance products are distributed through direct branch access and online quote tools, with life insurance offered through Wawanesa Life partnership and pet insurance through PetPlan Canada partnership.

Differentiator

Problem solved

Functional benefit

Brands

• NuRoad: Exclusive Off-Road Vehicle (ORV) insurance product covering ATVs and snowmobiles with replacement cost coverage, flexible deductibles, and discounts for safe riders.
• ONE Home Glass
• Farm First Insurance
• ONE24.7

Products and services

• Farm First Insurance (FFI) Flagship exclusive agricultural and farming insurance product providing grain, crop, dairy, hog, and poultry farmers with coverage, limits, and pricing options tailored to operations of any scope and size. Available only through ONE Insurance.
• NuRoad (ORV Insurance) Exclusive off-road vehicle insurance covering ATVs and snowmobiles with replacement cost coverage on brand-new machines, choice of deductibles ($500, $750, $1,000), comprehensive perils including sinking in muskeg and breaking through ice, up to $2,000 accessories coverage, and up to $1,000 salvage recovery. Available only through ONE Insurance.
• ONE Home Glass Exclusive residential glass coverage add-on for homeowners with active home insurance through ONE Insurance, priced at $40 per year plus taxes. Covers accidental window damage with deductibles as low as $25 for homeowners ($50 for rental properties) and protects claims-free discounts on the underlying home insurance policy. Underwritten by Peace Hills Insurance.
• Home Insurance Personal home insurance covering house, garage, and shed, personal property and specialty items including jewelry, firearms, and collectibles, additional living expenses, and liability. Optional add-ons include sewer backup, overland water/flood coverage, service line coverage, home equipment breakdown, and residential glass.
• Tenant Insurance Personal insurance for renters covering personal property, liability, and additional living expenses, equivalent to homeowner insurance whether renting a house, apartment, or condo.
• Seasonal Insurance Custom insurance for seasonal properties including cottages, trailers, and seasonal homes, offering specified perils or broad form coverage, personal belongings, detached structures, and third-party liability.
• Condo Insurance Personal insurance protecting condo units and possessions including furniture, appliances, personal items, and upgrades such as new carpeting or additional fixtures.
• Commercial Insurance Customized insurance solutions for businesses and commercial operations. Advisors help reduce risk and prevent losses through partnerships with industry-leading insurance companies.
• Hail Insurance Crop insurance providing choice of company, product, and crop protection along with counsel for crops and farm operations.
• Life and Health Insurance Life and health insurance products providing financial security to individuals, families, businesses, and farms, offered in partnership with Wawanesa Life and including online quote and buy capability.
• Autopac (MPI) Manitoba Public Insurance (MPI) Autopac coverage for business, personal, recreational vehicles, and watercraft, handled entirely through ONE Insurance branches.
• Pet Insurance Pet health insurance offered in partnership with PetPlan Canada (Fetch), providing flexible plans to meet the needs of family pets.

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Snoman (Snowmobilers of Manitoba)coreStrategic or Co-development Partner · 1 January 201510-year partnership celebrating Snoman's 50th anniversary. ONE Insurance is a proud sponsor of Snoman and the trail community. Partnership includes Snopass discount program for snowmobile riders and community advocacy for safe snowmobiling.
• Peace Hills InsurancecoreTechnology or IntegrationUnderwriting partner for ONE Home Glass coverage product. Peace Hills Insurance underwrites the residential glass coverage policy offered exclusively to ONE Insurance clients.
• PetPlan CanadaminorChannel Partner/ Reseller/ DistributorPet insurance partnership offering flexible pet health insurance plans through ONE Insurance for family pets. ONE Insurance acts as distributor for Fetch pet insurance.
• Red River MutualminorStrategic or Co-development PartnerPartnership through Red River Mutual's Spruce Squad program supporting Ronald McDonald House Charities Manitoba. ONE Insurance participated in Home for Dinner Program preparing and serving meals to families.
• Insurance Brokers Association of Manitoba (IBAM)coreStrategic or Co-development PartnerMatching contribution partner in wildfire relief efforts. IBAM contributed matching funds to ONE Insurance's initial $7,000+ donation, helping grow total wildfire relief support to over $30,000.
• Government of ManitobaminorStrategic or Co-development PartnerMatching contribution partner in wildfire relief efforts following 2025 Manitoba wildfires. Contributed matching funds alongside IBAM and Federal Government to grow total relief to over $30,000.
• Federal Government of CanadaminorStrategic or Co-development PartnerMatching contribution partner in wildfire relief efforts following 2025 Manitoba wildfires. Contributed matching funds alongside IBAM and Government of Manitoba.

Scale indicators3 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Marsh Canada: Global insurance brokerage with Canadian operations serving mid-market and large commercial clients. Comparable brokerage business model and multi-carrier representation, but heavily skewed to larger commercial accounts rather than retail personal lines like ONE Insurance.
• Arthur J. Gallagher & Co. (Canada): Global insurance brokerage with substantial Canadian retail and commercial operations. Comparable as a commission-based brokerage, though positioned upmarket and across multiple provinces versus ONE Insurance's Manitoba-only retail focus.
• HUB International: Large North American insurance brokerage with significant Canadian operations including Manitoba. Comparable as a multi-line brokerage earning commissions from carriers, but operates at much greater scale with broader commercial and specialty focus.

Direct peers

• Westland Insurance: Western Canadian insurance brokerage with strong regional branch network across BC, Alberta, Saskatchewan, and Manitoba. Closely comparable to ONE Insurance in operating model (multi-branch retail brokerage, multi-carrier representation, community-rooted culture) but with broader geographic footprint.
• BrokerLink: One of Canada's largest insurance brokerages with multi-province retail presence and similar product breadth across personal, commercial, and specialty lines. Directly comparable to ONE Insurance as a customer-facing retail broker earning commissions from multiple carriers, though at much larger national scale.
• CapriCMW Insurance Services: Western Canadian insurance brokerage serving personal, commercial, and farm customers across BC, Alberta, and Saskatchewan. Comparable as a community-rooted multi-branch brokerage with similar product mix including agricultural lines.
• Lloyd Sadd Insurance Brokers: Western Canadian insurance brokerage with retail and commercial operations across Alberta, BC, and Saskatchewan. Closely comparable to ONE Insurance in operating model (multi-branch retail broker with multi-carrier representation), though serving a different regional footprint.

Regional players

• CAA Manitoba: Manitoba-specific membership organization offering insurance products in the same province as ONE Insurance. Comparable as a local retail insurance distributor in the same geography, though differentiated by membership model and bundled travel/automotive services.
• BFL Canada Insurance Brokers: Canadian specialty insurance brokerage focused on commercial and complex risks across multiple provinces. Comparable as a commission-based Canadian brokerage, though positioned more upmarket on commercial specialty lines versus ONE Insurance's retail focus.

Others

• Red River Mutual: Manitoba-based mutual insurance carrier that is both a competitor (direct writer) and a partner (ONE Insurance represents Red River Mutual). Adjacent rather than direct peer since Red River Mutual underwrites risk rather than brokers, but shares the Manitoba regional market and community-rooted operating model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/oneinsurancemb
• Facebookfacebook.com/oneinsurancemb
• LinkedInlinkedin.com/company/one-insurance-group
• Instagraminstagram.com/oneinsurancemb
• TikToktiktok.com/@oneinsurancegroup

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 ONe INSURANCE