Cluett Insurance

What Cluett Insurance does

Cluett Insurance is a family-owned independent insurance brokerage operating in Atlantic Canada since approximately 1980, with two physical offices in Dartmouth, Nova Scotia (629 Windmill Rd) and Summerside, Prince Edward Island (C-388 Central Street). The firm distributes personal and commercial insurance products on a multi-carrier basis through licensed brokers, generating revenue via commissions paid by insurance carriers for policies placed.

The product portfolio is organized around four core categories: Auto Insurance (covering cars, motorcycles, ATVs, snowmobiles, trailers, motor homes, and boats), Home and Property Insurance (homeowners, condo, tenant, seasonal cottage, income property, and home construction), Commercial and Liability Insurance (property, liability, commercial vehicles, D&O, professional liability, cyber breach, bonds, business interruption), and Life and Group Insurance (term/whole life, disability, health and dental, group benefits, and estate planning). The brokerage represents over 10 auto insurance markets and over 30 commercial insurance markets, with core carrier partners including Aviva, Intact, Wawanesa, Economical, Travelers, Desjardins, Canada Life, Manulife, Sunlife, and Blue Cross.

The GTM motion is broker-assisted and relationship-driven: customers request quotes via online forms (Auto, Home, Tenant, Life, Commercial) and are contacted personally by licensed advisors. Marketing relies on community sponsorships (Dartmouth Whalers, New Scotland Storm, Millwood High Knights, Dartmouth General Hospital Foundation, Feed NS, Make A Wish, Canoe 22) and seasonal educational blog content. The firm holds no proprietary technology platform, no API, and no disclosed AI or ML capabilities; operations run on standard brokerage management systems. Leadership is family-controlled, with Roy Cluett (CEO), Ron Cluett (COO), and Lee Cluett (President), and the firm operates under PIPEDA-compliant privacy practices overseen by a designated Privacy Officer.

Name

Cluett Insurance

Legal name

Cluett Insurance Brokers Inc.

Website

https://cluettinsurance.ca

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

11–50 employees

Short description

Cluett Insurance is a family-owned independent insurance brokerage in Atlantic Canada that distributes personal, commercial, and life insurance through licensed brokers, drawing on over 10 auto and over 30 commercial carrier partnerships to serve individuals, families, and small-to-medium businesses in Nova Scotia and Prince Edward Island.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), 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

Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI), Commercial General Liability (CGL) (FSAJADAA)

Keywords

• Independent insurance brokerage
• Commercial insurance markets
• Auto home insurance
• Life and group benefits
• Atlantic Canada insurance

Headquarters

HQ city

Dartmouth

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, Cluett earns revenue through commissions paid by insurance carriers for policies placed. They represent multiple insurance markets (over 10 auto insurance markets, over 30 commercial insurance markets) and earn commission on each policy sold.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Cluett Insurance is a family-owned independent insurance brokerage that places personal and commercial insurance policies on behalf of customers by comparing quotes across multiple carrier partners. The brokerage offers four core product lines—Auto, Home & Property, Commercial & Liability, and Life & Group—including specialty coverages such as motorcycle, boat, trailer, seasonal cottage, income property, construction, D&O, professional liability, disability, and health/dental, distributed through broker consultations and online quote forms.

Product overview

Cluett Insurance is a family-owned independent insurance brokerage operating in Atlantic Canada since 1976. The company offers a comprehensive multi-line insurance portfolio organized around four core product categories: Auto Insurance (covering vehicles, motorcycles, trailers, boats, snowmobiles, ATVs), Home and Property Insurance (including cottages, income properties, tenant coverage, and construction), Commercial and Liability Insurance (property, D&O, professional liability, cyber), and Life and Group Insurance (term/whole life, disability, health/dental). Insurance is distributed through direct broker consultations and online quote forms. The company represents multiple insurance carrier partners including Aviva, Intact, CAA, Wawanesa, and others to provide competitive options to customers. No technology platform, API, or AI capabilities are offered.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Vehicle insurance covering mandatory provincial liability, accident benefits, direct compensation property damage, and optional extended coverage including collision, comprehensive, accident forgiveness, and specified perils. Available for cars, ATVs, snowmobiles, motorcycles, trailers, and motor homes via broker placement across 10+ auto insurance markets.
• Home & Property Insurance Coverage for homeowners, condo owners, and tenants protecting dwellings, contents, and personal property with options for income properties, seasonal cottages, mini/mobile homes, tenant coverage, homes under construction, properties in storage, and vacant homes.
• Commercial & Liability Insurance Business protection covering property, liability, commercial vehicles, directors and officers, cyber breach, bonding, business interruption, construction, crime, pollution liability, professional coverage, and property insurance, placed through brokers with access to over 30 commercial markets.
• Life Insurance Term and whole life insurance with optional riders including annuities, business overhead expense, business succession, buy/sell agreements, critical illness, disability, employee benefits, group benefits, health and dental, investments, key person coverage, long term care, mortgage insurance, pension plans, RESP, segregated funds, tax and estate planning, and TFSA options.
• Motorcycle Insurance Flexible motorcycle coverage with liability, accident/collision, and extenuating perils protection including accident benefit, direct compensation, liability, uninsured coverage, comprehensive, specific perils, collision, and all perils options.
• Trailer Insurance Recreational trailer insurance protecting the physical trailer unit, belongings inside, and liability coverage with options for full-time/campsite coverage and extended detached structure protection.
• Boat Insurance Watercraft insurance covering physical damage to hull, motor, and equipment, liability on the water, passenger liability, emergency towing, and contents/equipment protection for boats and marine vessels.
• Seasonal Cottage Insurance Insurance for seasonal properties designed for secondary home, rental home, or seasonal coverage protecting dwelling, contents, additional structures, and liability with coverage against fire, pests, vandalism, and theft.
• Income Property Insurance Landlord rental property insurance covering property damage, loss, liability, income from renters, and common area belongings with protection against water pipe damage, hail, lightning, storms, wind, and fire.
• Home Construction Insurance Short-term policy covering damage to materials on-site, theft, vandalism, loss of tools, liability, weather damage, and construction losses for properties under construction or major renovation.
• Directors' and Officers' Insurance D&O liability coverage protecting company directors and officers from financial loss due to legal issues relating to claims from shareholders, regulatory bodies, consumers, and lenders, with legal protection, security protection, and liability coverage.
• Professional Liability Insurance Professional indemnity insurance protecting against loss or blame if an error is made in professional services covering misinformation, negligent behavior, and misstatement or falsification for healthcare, design/engineering, project management, finance/accountants, and IT technology services.
• Disability Insurance Income replacement insurance providing tax-free monthly payments if unable to earn income due to injury, illness, or mental health issue, with short-term (16-26 weeks) and long-term disability options.
• Health and Dental Insurance Personal health and dental coverage filling gaps in provincial healthcare including eye exams, eyeglasses, dental services, prescription medications, massage therapy, health equipment, emergency travel, hospital accommodations, with basic and extended plan options.

Quantifiable outcome

• Access to over 10 auto insurance markets for competitive quoting
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

26 partnerships are on record, tiered core and minor.

• AvivacoreOthersInsurance carrier partner providing auto, home, and commercial insurance products through Cluett's brokerage.
• IntactcoreOthersMajor insurance carrier partner offering property and casualty insurance products.
• WawanesacoreOthersInsurance carrier partner providing auto and property insurance coverage.
• EconomicalcoreOthersInsurance carrier partner offering commercial and personal lines coverage.
• TravelerscoreOthersInsurance carrier partner providing commercial and specialty insurance products.
• DesjardinscoreOthersInsurance carrier partner offering auto, home, and business insurance products.
• Canada LifecoreOthersInsurance carrier partner providing life insurance, health benefits, and group coverage.
• ManulifecoreOthersInsurance carrier partner offering life insurance, group benefits, and health coverage.
• SunlifecoreOthersInsurance carrier partner providing life insurance, group benefits, and financial services.
• CAAminorOthersMembership organization providing auto and travel insurance products.
• PembridgeminorOthersInsurance carrier partner offering personal insurance products.
• PortageminorOthersInsurance carrier partner offering property and casualty insurance.
• Blue CrosscoreOthersHealth and dental insurance provider partner.
• EchelonminorOthersInsurance carrier partner offering specialty insurance products.
• AgileminorOthersInsurance carrier partner for specialty coverage.
• HeartlandminorOthersInsurance carrier partner for mutual benefit products.
• HagertyminorOthersSpecialty insurance carrier for classic and collector vehicles.
• PafcominorOthersInsurance carrier partner for specialty products.
• Premier MarineminorOthersMarine insurance specialist partner for boat and watercraft coverage.
• TottenminorOthersInsurance carrier partner for specialty coverage.
• VictorminorOthersInsurance carrier partner for commercial and specialty products.
• WynwardminorOthersInsurance carrier partner for specialty coverage.
• Dartmouth General Hospital FoundationminorOthersCommunity charity partner supported through fundraising and donations.
• Feed NSminorOthersFood bank charity supported through fundraising and community donations.
• Make A WishminorOthersCharity supported through fundraising and donations.
• Canoe 22minorOthersLocal organization supported through community partnerships.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Billyard Insurance Group: Canadian insurance brokerage network that recruits independent broker owners while providing shared carrier access and back-office support. Comparable to Cluett as a multi-carrier independent brokerage model with community-led GTM.
• BrokerLink: One of Canada's largest independent insurance brokerages, distributing personal and commercial lines across multiple provinces through a multi-carrier model. Directly comparable as a multi-line retail brokerage serving Canadian consumers and small businesses.
• Jones DesLauriers Insurance: Canadian independently-owned brokerage distributing personal, commercial, and group benefits across multiple provinces. Comparable as a family-built, multi-line independent brokerage with diversified carrier relationships.
• Dale Paruk Insurance Brokers: Canadian independent insurance brokerage offering personal, commercial, life, and group benefits. Closely comparable to Cluett as a privately-held, multi-line independent brokerage serving individuals and small businesses.
• McFarlan Rowlands Insurance Brokers: Independent Canadian insurance brokerage offering personal, commercial, and life products through multiple offices. Closely mirrors Cluett's multi-line independent brokerage operating model with carrier-agnostic positioning.
• Westland Insurance: Western Canadian-headquartered insurance brokerage that has expanded nationally through acquisitions. Similar multi-line personal and commercial brokerage model with broad carrier access and community-oriented GTM.

Broad incumbents

• The Cooperators: Canadian-owned multi-line insurer that distributes through both direct channels and a national broker network. Competes with Cluett on personal and commercial lines while also serving as a potential carrier partner.
• Marsh Canada: Global insurance brokerage and risk advisory firm with Canadian operations. Overlaps with Cluett's commercial and liability lines but serves larger mid-market and enterprise clients rather than small commercial.
• Hub International: Large North American insurance brokerage with significant Canadian operations. Offers the same multi-carrier brokerage model as Cluett, but at far greater scale and with national enterprise capabilities.

Regional players

• CAA Atlantic: CAA's Atlantic Canadian operation offers auto and travel insurance through membership channels in the same Nova Scotia / PEI geography as Cluett. Competes for the same personal-lines customer base in the region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights5 records

Customer concentration

• Xx.com/CluettInsurance
• Facebookfacebook.com/cluettinsurance
• LinkedInlinkedin.com/company/cluett-insurance-brokers-inc-

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Cluett Insurance