Cade Associates Insurance Brokers Limited

What Cade Associates Insurance Brokers Limited does

Cade Associates Insurance Brokers Limited is a Toronto-based independent insurance brokerage serving clients across Ontario. Founded in 1996 by Darlene Cade Fraser, the firm operates as an intermediary placing and servicing policies with multiple Canadian carriers, including Dominion, Chieftain, Travelers, Intact, Jevco, Aviva, and Elite Insurance. Its revenue model is commission-based, earned on personal, commercial, not-for-profit, and life insurance placements renewed annually.

The company's core product set spans four pillars: Personal Insurance (home, auto, life, valuables), Commercial Insurance (business liability and property coverage for SMBs), Not-for-Profit Insurance (community groups, charities, conservation organizations), and Life Insurance. A notable differentiated offering is the CottageFirst sub-brand — a bundled cottage, home, auto, and recreational vehicle package underwritten by Travelers Canada and delivered in partnership with the Federation of Ontario Cottagers' Associations (FOCA). Cade has built parallel specialized programs for Ontario Nature members and Ontario Land Trust Alliance members, covering Commercial General Liability, Directors & Officers Liability, property, and owned/managed land exposures.

The firm operates a traditional sales-led go-to-market with no proprietary technology platform, no mobile app, and no public APIs. Distribution relies on direct broker relationships via phone, email, in-person consultations at its Toronto office at 4800 Dundas St. West, association partnerships, and content marketing through its blog and participation in events such as the Spring Cottage Life Show. Pricing is quote-based, varies by risk profile and coverage, and is not publicly disclosed. Headcount is reported at 1–10 employees and the operating footprint is Ontario-only, with no disclosed funding rounds, ownership changes, or M&A activity.

Name

Cade Associates Insurance Brokers Limited

Legal name

Cade Associates Insurance Brokers Limited

Website

https://cadeinsurance.com

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

1–10 employees

Short description

Cade Associates Insurance Brokers Limited is a Toronto-based independent insurance broker serving Ontario with personal, commercial, not-for-profit, and life insurance, including the CottageFirst cottage insurance program delivered through FOCA partnership.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAEADAA

Retail (Personal Lines) Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAEADAB

Commercial Lines Insurance Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Insurance Brokerage & Risk Advisory

SECONDARYFSAJAFAM

Nonprofit / Social Services BOP

Financial & Insurance/Insurance — Motor, Property & Casualty/Commercial Package / Business Owners Policies (BOP)

Keywords

• Insurance brokerage
• Commercial insurance
• Nonprofit insurance
• Cottage insurance
• Life insurance

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Insurance Brokerage Commissions: As an insurance broker, Cade Associates earns commissions from insurance carriers for placing and maintaining client policies. The company offers personal, commercial, not-for-profit, and life insurance products across Ontario.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Cade Associates Insurance Brokers Limited is a Toronto-based insurance brokerage that places personal, commercial, nonprofit, and life insurance policies on behalf of clients across Ontario. The firm acts as an intermediary between customers and multiple insurance carriers (Dominion, Chieftain, Travelers, Intact, Jevco, Aviva, Elite Insurance) and offers specialized programs such as the CottageFirst cottage insurance package underwritten by Travelers Canada.

Product overview

Cade Associates Insurance Brokers Limited operates as a traditional insurance brokerage offering a portfolio of insurance products through multiple channels. The core offerings include Personal Insurance (home, auto, life), Commercial Insurance, Not for Profit Insurance, and Life Insurance. The company differentiates through specialized programs like the CottageFirst sub-brand (a complete cottage insurance package underwritten by Travelers Canada in partnership with FOCA), Ontario Nature Member Insurance, and Land Trust Insurance. Additional products include FOCA Organization Insurance for cottage and road associations, and comprehensive Claims Services. The company acts as an intermediary between clients and insurers including Dominion, Chieftain, Travelers, Intact, Jevco, Aviva, and Elite Insurance.

Differentiator

Problem solved

Functional benefit

Brands

• CottageFirst: A complete personal insurance package for cottages, homes, autos, recreational vehicles and more, offered in partnership with FOCA (Federation of Ontario Cottagers' Associations).

Products and services

• Personal Insurance Complete insurance solutions for individuals including home, auto, life insurance, and protection for personal valuables.
• Commercial Insurance
• Not for Profit Insurance
• Life Insurance
• CottageFirst Program
• Ontario Nature Member Insurance
• Land Trust Insurance
• FOCA Organization Insurance
• Claims Services

Named customers3 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• FOCA (Federation of Ontario Cottagers' Associations)coreStrategic or Co-development PartnerCade Associates is a partner with FOCA providing the CottageFirst insurance program for cottage owners. The company participates at FOCA events including the Spring Cottage Life Show and provides specialized insurance coverage for FOCA member organizations including road associations, lake associations, and landowning organizations. The partnership offers members access to Commercial General Liability coverage and association-specific insurance programs.
• Ontario NaturecoreStrategic or Co-development PartnerThrough a strong partnership with Ontario Nature, members have access to a unique insurance program with extensive coverage and competitive premiums. Coverages include Commercial General Liability policy, Directors & Officers Liability insurance, Property Damage coverage, and Owned or Managed Property protection for naturalist groups, ornithology enthusiasts, Friends of Provincial Parks, and land trusts.
• Ontario Land Trust AlliancecoreStrategic or Co-development PartnerCade Associates provides members of the Ontario Land Trust Alliance with an insurance program specifically designed to fit their needs. Coverages include Commercial General Liability, Directors & Officers Liability, Property coverage for structures and equipment, and Owned and Managed Land protection.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/cade1st

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 Cade Associates Insurance Brokers Limited