All Risks Insurance Brokers

What All Risks Insurance Brokers does

All-Risks Insurance Brokers Limited is a privately held, full-service insurance brokerage incorporated and operating exclusively in Ontario, Canada. Founded in 1954 and headquartered at 1255 Ouellette Ave, Windsor, the firm sells personal-lines products (auto, home, life, travel, motorcycle, watercraft, classic auto, snowmobile, recreational vehicle, condominium, tenants, umbrella, home business) and commercial-lines products (commercial P&C, D&O, professional liability/Errors and Omissions, commercial umbrella, commercial auto, farm and agricultural, industrial and manufacturing, non-profit, business interruption) on behalf of multiple insurance carriers, earning commissions on policies placed and renewed. Differentiated positioning is built on a live-person, branch-network service model — the firm operates 70+ physical locations across Ontario organized into seven regional clusters, and explicitly markets against the industry trend toward impersonal call center experiences.

The go-to-market is sales-led: customers are acquired via the branch office network, toll-free and local phone lines, and online quote forms on all-risks.com. Pricing is quote-based, customized per risk profile, and not publicly disclosed. The firm is BBB Accredited, holds RIBO (Registered Insurance Brokers of Ontario) licensing for all brokers, and is a member of IBAO (Insurance Brokers Association of Ontario). Travel insurance is offered through a Tugo partnership. The firm relies on organic footprint expansion through its Branch Office Opportunities partner-recruitment program rather than acquisitions or external capital; no private equity, venture funding, or parent-company backing is disclosed.

Customer segmentation spans individual consumers (primary personal lines), small/medium/large businesses and industrial operations (commercial lines), and individuals/families seeking health and investment products. Multilingual brokerage is offered at multiple branches — including English, Hindi, Punjabi, Urdu, Arabic, Marathi, Thai, Ukrainian, Macedonian, Cantonese — reflecting an explicit focus on immigrant and diaspora communities underserved by direct-carrier digital channels. The firm carries no disclosed proprietary technology assets, AI/ML capabilities, or unique data moat; competitive differentiation rests on physical distribution density, brand tenure, and carrier breadth across Ontario.

Name

All Risks Insurance Brokers

Legal name

All-Risks Insurance Brokers Limited

Website

https://all-risks.com

Company type

Private

Founded year

1954

Operating status

Operating

Headcount range

101–250 employees

Short description

All-Risks Insurance Brokers is a privately held Ontario insurance brokerage, founded 1954 and headquartered in Windsor, operating 70+ branches across Ontario to place personal and commercial insurance with multiple carriers on a commissioned basis.

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

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage services
• Personal lines insurance
• Commercial insurance brokerage
• Property casualty insurance
• Life insurance brokerage

Headquarters

HQ city

Windsor

HQ country

Canada

HQ region

North America

Offices79 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: All-Risks Insurance Brokers generates revenue through commissions paid by insurance carrier companies for placing insurance policies with customers. As a brokerage, they represent multiple insurance companies and earn commissions for each policy sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

All Risks Insurance Brokers is a full-service insurance brokerage that places personal and commercial insurance policies on behalf of customers with multiple insurance carrier partners. Operating through 70+ branch offices across Ontario, the brokerage earns commissions by offering access to a broad array of property, casualty, life, health, and investment products sourced from numerous reputable insurance companies.

Product overview

All Risks Insurance Brokers is a full-service insurance brokerage offering a broad array of property, casualty, life, health, and investment products and services. The company operates through a network of 70+ locations across Ontario, providing customers access to multiple insurance providers. Their core product portfolio spans personal lines (Auto, Home, Life, Condominium, Tenants, Motorcycle, Watercraft, Classic Automobile, Snowmobile, and Travel insurance) and commercial lines (Business, Commercial Auto, Farm & Agricultural, Industrial Operations, and Non-Profit insurance). They also offer specialized products including Umbrella Liability, Waiver of Depreciation endorsements, Disability Insurance, Critical Illness Coverage, Group Benefits, Segregated Funds, and Estate Planning services. The company differentiates through personalized service via live representatives rather than call centers.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Desjardins Insurance: Large Canadian multi-line insurer with broker distribution and direct offerings across personal and commercial lines—a broader incumbent whose Ontario broker partnerships partially overlap with All-Risks' carrier panel.
• Aviva Canada: Major Canadian P&C carrier distributing through independent brokers like All-Risks and increasingly investing in direct-to-consumer channels—important carrier counterparty and adjacent competitor.
• Intact Financial Corporation: Canada's largest P&C insurer, now owner of BrokerLink—operates as a carrier-distribution hybrid that competes for broker relationships and increasingly direct customer share in Ontario.

Direct peers

• CAA Insurance (South Western Ontario): Multi-channel Canadian insurance provider that bundles auto, home, and travel through membership touchpoints—overlaps with All-Risks' personal-lines offering and Ontario footprint.
• Mitchell & Abbott Insurance Brokers: Established Ontario insurance brokerage providing personal and commercial coverage through a regional branch network—comparable multi-line brokerage model within Ontario.
• BrokerLink: Direct competitor: Canadian multi-branch insurance brokerage with significant Ontario presence, offering personal and commercial lines through owned branches—directly comparable distribution model to All-Risks.
• Westland Insurance Group: Large Canadian brokerage chain with multi-branch operations across provinces, offering personal and commercial insurance through local offices—directly comparable in scale and full-service brokerage positioning.
• Morison Insurance Brokers: Ontario-based full-service insurance brokerage with multiple branch locations serving personal and commercial clients—a direct multi-branch peer operating in overlapping Ontario geographies.
• PC Financial Insurance: Bank-affiliated multi-line insurance brokerage serving Ontario consumers through retail financial centers—competes for the same personal-lines household coverage as All-Risks.

Emerging players

• SurexDirect: Online-first Canadian insurance brokerage that competes for Ontario personal-lines customers with a digital model—an emerging direct competitor that puts pressure on traditional branch-led brokerages like All-Risks.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/allrisksinsurance
• LinkedInlinkedin.com/company/all-risks-insurance-brokers
• Instagraminstagram.com/allrisksinsurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 All Risks Insurance Brokers