What Intergroupe does

Intergroupe Assurances Inc. is a privately held Canadian insurance brokerage grouping headquartered in Montreal, Quebec, founded in 1995-1996 by five brokerage firms under the philosophy "Together we ensure a better future." It operates as a central market intermediary exclusively for its 90+ affiliated member brokerages, which are also shareholders of the central entity. With nearly $870M in premium volume under management across the network, Intergroupe claims to be the largest property insurance brokerage banner in Canada, anchored in the Quebec francophone market and extending into Florida (Miami, via Intergroupe USA) and California.

The company executes through six wholly owned subsidiaries: Intergroupe NEXUS (Quebec City risk placement center with 16 underwriters for personal and commercial lines); Intergroupe SOLUTIONS (Montreal-based specialty placement for complex commercial risks, designated a Lloyd's of London Coverholder since 2015); Kangoo (an online platform developed by brokers for brokers for non-standard quote generation and contract management); Intergroupe TECH (website hosting, CMS, and Pay-per-Click marketing services for member brokerages); Intergroupe USA (Miami agency offering eight consumer and commercial insurance products to French-speaking Florida residents); and Hopco (retail brokerage). Distribution combines direct sales offices in Montreal, Quebec City, Longueuil, Miami, and San Francisco with the member brokerage network.

Intergroupe generates revenue primarily through transaction commissions on insurance placements across its network, supplemented by recurring subscription fees from technology services (TECH and Kangoo) and specialty risk placement fees from Solutions and Nexus. Carrier partnerships with Aviva, Economical, Intact, Promutuel, and Lloyd's of London provide the supply side. Go-to-market combines channel-partner distribution via the affiliated broker network with direct-to-consumer sales through Intergroupe USA. The company is privately held with no disclosed funding rounds and operates with 11-50 corporate employees at the central entity.

Name

Intergroupe

Legal name

Intergroupe Assurances Inc.

Website

https://intergroupe.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

Intergroupe is a Canadian insurance brokerage grouping that acts as a market intermediary for 90+ affiliated member brokerages, managing nearly $870M in premium volume through subsidiaries covering specialty placement, broker technology, and direct US distribution.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)

SIC

Insurance Agents, Brokers & Service (6411), Services-Membership Organizations (8600)

akta.pro primary industry

Affinity, Membership & Association Referral Programs (FSAEAMAL)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Insurance brokerage services
• Commercial risk placement
• Property casualty insurance
• Insurance technology platform
• Member brokerage network

Headquarters

HQ city

Québec

HQ country

Canada

HQ region

North America

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Intergroupe acts as an intermediary between insurance brokerages and insurance companies, earning commissions on insurance placements and risk placements for member brokerages. The company connects 90+ member brokerages with multiple insurers to optimize insurer selection for brokers and their clients.
2. Technology Services: Website rental/purchase services, CMS solutions, and Pay-per-Click campaign management offered to member brokerages on subscription or installment payment basis.
3. Specialty Risk Placement: Complex commercial insurance placement through Intergroupe Solutions subsidiary, serving member brokerage demand for non-standard commercial risks with access to Canadian and Lloyd's of London insurers.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

Intergroupe is an insurance brokerage grouping that acts as a market intermediary between 90+ affiliated member brokerages and insurance companies, providing access to multiple insurers and markets. Through its subsidiaries (Intergroupe Solutions, Nexus, USA, Tech, Kangoo, Hopco), the company offers risk placement for complex commercial insurance, an online quoting platform for non-standard policies, technology and web services for brokers, and direct personal/commercial insurance products for French-speaking consumers in Quebec and Florida.

Product overview

Intergroupe is an insurance brokerage grouping founded in 1996, acting as an intermediary between member brokerages and insurance companies to offer optimal insurer selection. The company operates a multi-subsidiary structure with Intergroupe Assurances Inc. as the central point, and six named subsidiaries: Intergroupe USA (US insurance for French speakers), Intergroupe TECH (web/marketing technology), Kangoo (online non-standard policy platform), Intergroupe SOLUTIONS (complex commercial risks with Lloyd's Coverholder status), Intergroupe NEXUS (risk placement center since 1995), and Hopco (brokerage services). Intergroupe USA independently offers a portfolio of eight consumer and commercial insurance products including car, home, condo, flood, boat, RV, liability, and commercial coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Intergroupe USA Insurance brokerage subsidiary based in Miami offering a full range of property insurance products for French-speaking residents in the United States, including car, home, condo, flood, boat, RV, commercial, and liability coverage.
• Intergroupe TECH Technology services subsidiary providing website rental and purchase solutions for insurance brokers, with optional CMS platform, Pay-per-Click campaign management, and web marketing services with payments spread over several years.
• Kangoo Online platform developed by brokers for brokers, enabling non-standard insurance policy quote generation, precise submissions, contract management, and providing a transparent gateway between underwriters, insurers, and brokers.
• Intergroupe SOLUTIONS Subsidiary specializing in complex commercial risk insurance placement, working with Canadian insurers (Aviva, Economical, Intact, Promutuel) and Lloyd's of London as a designated Coverholder.
• Intergroupe NEXUS Risk placement and underwriting center based in Quebec City with 16 underwriters and support professionals, offering access to major Quebec property insurers for both personal and commercial lines.
• Hopco Insurance brokerage subsidiary staffed by certified brokers dedicated to finding the best market rates for clients, providing personalized quality insurance products and protecting client interests.
• Car Insurance (Intergroupe USA) Vehicle insurance covering mandatory liability and PIP coverage in Florida, with optional collision, comprehensive, uninsured motorist, and rental reimbursement coverage.
• Home Insurance (Intergroupe USA) Property insurance for primary and secondary residences and rental properties, covering fire, lightning, vandalism, water damage, theft, and hurricane risks.
• Condo Insurance (Intergroupe USA) Individual condo unit insurance covering interior damage, personal belongings, and personal liability not included in building master policies.
• Flood Insurance (Intergroupe USA) Specific flood insurance policy (separate from homeowner's policy) available through FEMA program or private insurers, covering properties outside designated high-risk flood zones.
• Boat Insurance (Intergroupe USA) Annual boat and yacht insurance for personal or commercial use, covering liability, theft, hurricanes, with coverage terms varying by boat value, power, sailing waters, and operator experience.
• RV Insurance (Intergroupe USA) Recreational vehicle insurance for motorized RVs and fifth wheels, including comprehensive, collision, and liability coverage with Florida registration compliance support.
• Liability Insurance (Intergroupe USA) Personal and commercial liability coverage protecting assets and income from legal actions, including slip-and-fall accidents and wrongful eviction claims, with optional umbrella coverage.
• Commercial Insurance (Intergroupe USA) Business insurance covering premises, car fleets, workers' compensation, general liability, Errors and Omissions, and event-specific coverage for various industries including manufacturing, commerce, transport, and property management.

Quantifiable outcome

• Nearly $870M in premium volume managed through the network
• +1 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered flagship and core.

• Lloyd's of LondonflagshipStrategic or Co-development Partner · 1 January 2015Since 2015, Intergroupe Solutions has been designated as a 'Coverholder' for Lloyd's of London, providing access to one of the world's oldest and largest insurance markets for complex and specialty commercial risks.
• AvivacoreOthersAviva is one of the insurers collaborating with Intergroupe Solutions for complex commercial risk placement. Intergroupe Solutions was created to meet member brokerage demand for placement of complex commercial insurance risks.
• EconomicalcoreOthersEconomical is one of the Canadian insurers working with Intergroupe Solutions for complex commercial risk placement through the Montreal-based underwriting team.
• IntactcoreOthersIntact Insurance collaborates with Intergroupe Solutions as one of the major Canadian insurers for complex commercial insurance risk placement.
• PromutuelcoreOthersPromutuel is one of the Quebec-based insurers partnering with Intergroupe Solutions for complex commercial risk coverage.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Aon Canada: Global insurance and reinsurance brokerage with Canadian operations. Comparable as a commercial risk placement intermediary with access to international specialty markets.
• Marsh Canada: Global insurance broker and risk advisor with substantial Canadian commercial practice. Comparable as a placement intermediary connecting clients with carriers including Lloyd's of London.
• Hub International: Large North American insurance brokerage with significant Canadian operations. Comparable as a multi-region brokerage aggregator targeting mid-market and commercial clients, though at substantially larger scale.
• Intact Public Adjuster / Brokerage Network: Intact is Canada's largest P&C insurer and operates an extensive broker partnership network. Comparable as a major counterparty in the same Canadian P&C distribution ecosystem, though it underwrites risk rather than acting as a pure intermediary.
• Arthur J. Gallagher (Canada): Global insurance brokerage with Canadian operations focused on commercial and specialty lines. Comparable on risk placement and intermediary services, though at a much larger scale.

Direct peers

• BFL Canada: Canadian specialty insurance brokerage with strong Quebec presence. Comparable to Intergroupe Solutions in the placement of complex commercial risks through specialty markets.
• Groupe Ultima: Quebec-based insurance mutual and brokerage grouping serving French-speaking Canadians. Closely comparable to Intergroupe in geography, language focus, and member-brokerage aggregation model.
• BrokerLink: One of Canada's largest retail insurance brokerage networks with hundreds of branches across the country. Directly comparable to Intergroupe as a multi-branch P&C brokerage banner aggregating independent broker offices.

Regional players

• Lussier: Quebec-based insurance brokerage grouping serving individuals and businesses. Comparable as a regional brokerage network operating in the same Quebec francophone market as Intergroupe.

Emerging players

• Surex: Canadian digital insurance brokerage with online quoting and broker network. Comparable as an alternative distribution channel in Canadian P&C insurance, though more digitally native and SMB-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/intergroupe
• LinkedInlinkedin.com/company/intergroupe-assur
• Instagraminstagram.com/intergroupe/?hl=fr
• Xx.com/intergroupe

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries6 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 Intergroupe