Cornerstone Insurance Brokers

What Cornerstone Insurance Brokers does

Cornerstone Insurance Brokers (operating as BrokerLink, legal entity Brokerlink Inc.) is a Canadian insurance brokerage headquartered in Woodbridge, Ontario, established in 1994 and operating as a subsidiary of Intact Financial Corporation. The firm functions as a multi-channel insurance intermediary that shops among 100+ insurance carriers to deliver over 200 personal and business insurance products to more than one million Canadian customers across all 13 provinces and territories. Its product portfolio spans personal lines (auto, home, condo, tenant, motorcycle, ATV, boat, trailer, RV, snowmobile, pet, travel, life, health), commercial lines (commercial auto and property, general liability, cyber, professional liability/E&O, D&O, builders risk, event liability, trade credit, crime coverage, equipment breakdown, business interruption), and 16 industry-specific verticals including construction, manufacturing, real estate, retail, hospitality, transportation, energy/oil & gas, and agriculture, plus group insurance and employee benefits.

The revenue model is commission-based: BrokerLink earns brokerage commissions from the insurance carriers whose policies it places, with pricing determined per individual risk profile rather than published rate cards. The go-to-market combines digital self-service channels — BrokerLink Connect self-serve portal, BrokerLink Insurance mobile app on iOS and Android, and online quote tools via quotes.brokerlink.ca — with phone-based sales and support (1-866-724-2372) and a national network of physical branches providing in-person advisory service. Customer segments are primarily individual consumers and Canadian SMB-to-mid-market business owners, with groups and organizations served through employee benefits as a secondary segment. Distribution is domestic-only (Canada) with no international footprint; the firm's competitive position rests on national branch density, carrier breadth, 30+ years of brand equity (4.6/5 Google rating across 31,941+ reviews), and the licensing-backed brand association with parent Intact Financial Corporation. Underlying technology is limited to the BrokerLink Connect portal, which provides policy administration, claims reporting/tracking, document access, and coverage detail updates — no AI/ML capabilities, APIs, SDKs, or data flywheel mechanics are disclosed in the input data.

Name

Cornerstone Insurance Brokers

Legal name

Brokerlink Inc.

Website

https://csib.org

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

11–50 employees

Short description

Cornerstone Insurance Brokers (BrokerLink) is a Canadian insurance brokerage, subsidiary of Intact Financial Corporation, serving 1M+ customers across all 13 provinces with 100+ carrier partnerships and 200+ personal, commercial, and industry-specific insurance products.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Retail (Personal Lines) Insurance Brokerage (FSAEADAA), Trade Credit Insurance Brokerage (FSAEADAL), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance solutions
• Multi-carrier insurance quotes
• Insurance claims management

Headquarters

HQ city

Woodbridge

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, Technology or R&D, Others

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Cornerstone Insurance Brokers earns commissions from insurance companies for placing policies. They represent 100+ insurance carriers and offer customers customized insurance solutions from multiple providers.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

Cornerstone Insurance Brokers (operating as BrokerLink) is a Canadian insurance brokerage that places personal and commercial insurance coverage on behalf of customers by shopping across 100+ insurance carriers. It distributes more than 200 insurance products through online quote tools, phone support, a national branch network, the BrokerLink Connect self-serve portal, and a mobile app. Revenue is generated via carrier commissions on policies placed.

Product overview

Cornerstone Insurance Brokers (BrokerLink) operates as a Canadian insurance brokerage platform offering personal and business insurance products. The company provides a portfolio of over 200 insurance options through partnerships with 100+ insurance providers. Personal insurance products include vehicle coverage (car, motorcycle, ATV, snowmobile, boat, trailer, RV), property coverage (home, condo, tenant), and specialty coverage (pet, life, health, travel, group insurance, employee benefits). Business insurance offerings span commercial lines (auto, property, general liability, professional liability, cyber insurance, business interruption, equipment breakdown), industry-specific coverage for 16 sectors including construction, hospitality, manufacturing, real estate, and technology, plus specialized products like directors & officers liability, event liability, trade credit, and crime coverage. The company also provides a digital self-service portal (BrokerLink Connect) and mobile application for customer policy management.

Differentiator

Problem solved

Functional benefit

Brands

• BrokerLink Connect: Self-serve portal for managing policies, claims, and policyholder information.

Products and services

• Car Insurance Personal auto insurance coverage placing policies with multiple carriers, offered to Canadian individual consumers.
• Home Insurance Property insurance for homeowners protecting residential properties against damages and losses, placed across multiple carriers.
• Condo Insurance Insurance coverage designed for condominium owners, protecting their unit and personal belongings.
• Tenant and Renters Insurance Insurance coverage for renters and apartment occupants protecting personal belongings and personal liability.
• Vacation Property and Cottage Insurance Insurance coverage for seasonal properties, vacation homes, and cottages.
• Motorcycle Insurance Motorcycle insurance coverage for standard, sport, and cruiser bikes.
• ATV Insurance All-terrain vehicle insurance for off-road vehicles and UTVs.
• Snowmobile Insurance Insurance coverage for snowmobiles used during winter months.
• Boat Insurance Watercraft insurance coverage for boats, yachts, and personal watercraft.
• Trailer Insurance Insurance coverage for utility, cargo, and travel trailers.
• RV Insurance Recreational vehicle insurance for motorhomes and travel trailers.
• Life Insurance Life insurance coverage providing financial protection for beneficiaries.
• Health Insurance Health insurance options for medical expenses and healthcare services.
• Travel Insurance Travel insurance covering trip cancellation, medical emergencies, and lost baggage.
• Pet Insurance Insurance coverage for veterinary expenses and pet health care.
• Insurance Bundle Bundled insurance products combining multiple coverage types (e.g., auto + home) for discounted rates.
• Group Insurance Group insurance programs for organizations offering coverage to members and employees.
• Employee Benefits Employee benefit programs including health, dental, and supplementary coverage for employer groups.
• Commercial Auto Insurance Vehicle insurance for commercial fleets and business-owned vehicles, placed with multiple carriers.
• Commercial Property Insurance Property insurance for commercial buildings, equipment, contents, and business assets.
• Commercial General Liability Insurance General liability coverage protecting businesses against third-party claims for bodily injury and property damage.
• Professional Liability (Errors and Omissions) Insurance Errors and omissions coverage protecting professionals against negligence claims and professional mistakes.
• Cyber Insurance Cybersecurity insurance covering data breaches, cyber attacks, and digital asset protection for businesses.
• Business Interruption Insurance Coverage for lost income and ongoing expenses during business interruptions and operational disruptions.
• Directors and Officers Liability Insurance D&O insurance protecting corporate directors and officers from personal liability arising from management decisions.
• Equipment Breakdown Insurance Coverage for mechanical and electrical breakdown of business equipment and machinery.
• Builder's Risk Insurance Coverage for construction projects against damage during the building process.
• Event Liability Insurance Liability insurance coverage for events, conferences, and gatherings.
• Assured Bond Insurance Surety bond insurance for business contractual obligations.
• Crime Coverage Insurance Insurance coverage for employee theft, fraud, and criminal acts against businesses.
• Trade Credit Insurance Coverage protecting businesses against non-payment by commercial customers.
• Home Business Insurance Insurance coverage for home-based businesses and home office operations.
• Agriculture and Farm Industry Insurance Specialized insurance for agricultural operations, farms, and ranches covering property, equipment, and livestock.
• Contractor Insurance Insurance coverage tailored for contractors and construction tradespeople.
• Construction Industry Insurance Insurance solutions for construction companies and building projects.
• Energy, Oil and Gas Industry Insurance Insurance coverage for energy sector businesses including oil and gas operations.
• Health and Wellness Industry Insurance Insurance for healthcare providers, wellness centers, and medical practices.
• Hospitality Industry Insurance Insurance coverage for hotels, restaurants, and hospitality businesses.
• Manufacturing Industry Insurance Insurance solutions for manufacturing operations and production facilities.
• Marine Insurance Marine insurance coverage for shipping, cargo, and maritime operations.
• Non-Profit Industry Insurance Insurance coverage designed for non-profit organizations and charities.
• Personal Care and Beauty Industry Insurance Insurance for salons, spas, and personal care service providers.
• Professional Services Insurance Insurance for professional service firms including consultants and advisors.
• Real Estate Industry Insurance Insurance coverage for real estate agencies, property managers, and realtors.
• Retail Industry Insurance Insurance solutions for retail businesses and stores.
• Technology Industry Insurance Insurance coverage for technology companies and software businesses.
• Transportation Industry Insurance Insurance for transportation companies including trucking and logistics.
• Wholesale and Warehousing Industry Insurance Insurance coverage for wholesale distributors and warehouse operations.
• BrokerLink Connect Self-Serve Portal Self-service customer portal for managing policies, accessing documents, reporting and tracking claims, and updating vehicle, driver, and coverage details.
• BrokerLink Insurance Mobile App Mobile application available on iOS and Android that allows customers to manage their insurance policies on the go.

Quantifiable outcome

• Over 30 years of service history
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Intact Financial CorporationcoreOthersIntact Financial Corporation is the parent/licensor of BrokerLink. Their trademarks (Intact Design, Intact Insurance Design) are used under license by BrokerLink. As the parent company, Intact provides the broader financial backing and brand association for BrokerLink's insurance brokerage operations.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• TD Insurance: TD Insurance is the insurance arm of TD Bank and one of Canada's largest personal lines distributors, combining direct, call-center, and in-branch sales. Comparable as a high-volume Canadian personal-lines distributor competing for BrokerLink's consumer book.
• Intact Financial Corporation: Parent company of BrokerLink and the largest property & casualty insurer in Canada. Comparable as the dominant Canadian P&C carrier-broker owner whose distribution strategy and carrier panel decisions directly shape BrokerLink's market position.
• Aviva Canada: Aviva Canada is a major Canadian P&C insurer selling personal and commercial coverage through brokers and direct channels. Comparable as a large carrier whose distribution strategy and panel access influence BrokerLink's competitive set.
• Co-operators: Co-operators is a Canadian multi-line insurer and distributor with personal and commercial products sold through a national agent network. Comparable as a broad Canadian insurance incumbent that overlaps with BrokerLink across personal and small-commercial lines.

Direct peers

• WTW (Willis Towers Watson) Canada: WTW's Canadian practice offers commercial insurance brokerage, risk management, and employee benefits. Directly comparable as a global broker competing for mid-to-large commercial accounts and specialty coverages like cyber, D&O, and trade credit.
• Hub International: Hub is a North American insurance brokerage with significant Canadian operations built via regional acquisitions. Comparable as a multi-channel broker covering personal and commercial lines with a national branch model similar to BrokerLink.
• Aon Canada: Aon's Canadian operations provide commercial risk, insurance brokerage, and advisory services. Directly comparable as a multinational insurance broker with a Canadian footprint competing for the same commercial and specialty lines.
• Marsh Canada (Marsh McLennan): Marsh McLennan's Canadian brokerage arm offers commercial insurance and risk advisory across personal and business lines. Directly comparable as a large multi-line insurance broker serving Canadian consumers and enterprises with global carrier access.

Regional players

• CAA Insurance: CAA Insurance sells auto and home coverage through club branches and direct channels across Canadian provinces. Comparable as a distribution-led Canadian personal-lines player that competes for the same consumer households as BrokerLink's branch network.

Emerging players

• Sonnet Insurance: Sonnet is a Canadian digital-first personal lines insurer (an Economical/Definity venture) offering direct online quotes and binding. Comparable as an emerging digital-native competitor pressuring BrokerLink's personal-lines book and pushing toward self-service.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Cornerstone Insurance Brokers