Mackay Insurance
Mackay Insurance Brokers Inc. is a family-owned independent insurance brokerage serving Eastern Ontario from Belleville and Napanee, distributing personal, commercial, and specialty insurance products via licensed brokers and the 'My Mackay' portal.
- Company typePrivate
- Founded1980
- HeadquartersBelleville, Canada
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Mackay Insurance does
Mackay Insurance Brokers Inc. is a privately held, family-owned independent insurance brokerage headquartered in Belleville, Ontario, with a secondary branch in Napanee. The firm self-identifies as Belleville's only independent insurance broker and has served the Eastern Ontario region for over 45 years, distributing personal lines (home, auto, life, tenant, cottage), commercial lines (business, contractor, home-based business, farm, professional liability, errors and omissions), and specialty lines (boat, motorcycle, trailer, travel, event, hole-in-one, high-risk auto, student, collector car, and personal cyber) through CSRs and licensed brokers. Revenue is generated primarily through carrier commissions on placed policies, with an additional affiliate stream from reselling CAA memberships bundled with home and auto packages.
The underlying technology stack is composed of third-party brokerage platforms rather than proprietary systems: Applied Systems WebRater handles quoting for auto, property, and motorcycle lines, while BrokerLift supports specialty lines including trailers, boats, and event insurance. Customer-facing technology includes an Online Quote Estimator that uses algorithms to surface approximate pricing and is explicitly positioned as a human-assisted tool, plus the 'My Mackay' customer portal and mobile app at mymackayinsurance.com for policy management and document access. There are no AI/ML models, APIs, or data flywheel disclosed; technology is integration-led rather than AI-native.
The go-to-market blends direct broker-assisted sales at the two physical offices with self-serve digital quote capture, supported by content marketing via the company blog and organic social presence on Facebook, YouTube, and LinkedIn. Community sponsorships (Dave Mackay Memorial Golf Tournament, Mackay Arena, Business Person of the Year) reinforce local brand affinity. Pricing is fully quote-driven and not publicly disclosed, with the only surfaced reference points being tenant insurance from approximately $30 per month in Eastern Ontario and 1-5% auto-premium discounts tied to certified winter-tire installation. The customer base is highly distributed across SMB, micro-commercial, and consumer segments, with no concentration in named enterprise accounts.
Mackay Insurance firmographics
Firmographics- Name
- Mackay Insurance
- Legal name
- Mackay Insurance Brokers Inc.
- Website
- https://mackayinsurance.com
- Company type
- Private
- Founded year
- 1980
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Mackay Insurance Brokers Inc. is a family-owned independent insurance brokerage serving Eastern Ontario from Belleville and Napanee, distributing personal, commercial, and specialty insurance products via licensed brokers and the 'My Mackay' portal.
- Ownership category
- akta.pro rank
Mackay Insurance industry classification
Industry- 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 primary industry
- Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)
- akta.pro secondary industries
- Standalone Cyber Liability Insurance (FSAJAOAA), Auto Liability Umbrella / Excess (FSAJANAK)
Keywords
Where Mackay Insurance is headquartered
LocationHeadquarters
- HQ city
- Belleville
- HQ country
- Canada
- HQ region
- North America
Offices2 records
Markets served
Mackay Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Insurance Brokerage Commissions: As an independent insurance broker, Mackay Insurance earns commissions from insurance carriers for policies placed. They work with multiple insurance providers to find customers the best coverage at the best price.
- CAA Membership Reseller: Mackay Insurance is a registered CAA reseller, selling CAA memberships and combining them with home and auto insurance packages for potential multi-discount savings.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Tenant Insurance |
| Subscription | Annual | Auto Insurance with Winter Tires Discount |
| Subscription | Annual | Auto Insurance with Snow Tires |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels5 records
Mackay Insurance product offering
Product offeringCore offering
Mackay Insurance is an independent insurance brokerage in Eastern Ontario that places personal, commercial, and specialty insurance policies with multiple insurance carriers on behalf of customers. The firm offers home, auto, life, business, boat, motorcycle, cottage, tenant, farm, contractor, professional liability, errors & omissions, and cyber insurance products, plus CAA membership reselling, delivered through broker-assisted sales at Belleville and Napanee offices and online quote tools.
Product overview
Mackay Insurance is an independent insurance broker offering a comprehensive portfolio of insurance products and services. As Belleville's only independent insurance broker, they provide personal insurance (home, auto, life), commercial insurance (business, farm, contractor coverage), specialty insurance (travel, event, hole-in-one, personal cyber), and niche auto insurance (boat, motorcycle, student, collector car, high-risk). The product portfolio includes both core insurance products and add-on modules/services such as cottage insurance, tenant insurance, trailer insurance, home cyber security, professional liability, errors & omissions, CAA membership, an online quote estimator, and a customer portal (My Mackay). These offerings are distributed through various third-party quote platforms (Applied Systems, BrokerLift) and partnered insurance providers (Boxx Insurance for cyber coverage, CAA for roadside membership).
Differentiator
Problem solved
Functional benefit
Brands
- Cyberboxx: 24/7 Home Cyber Security Insurance coverage protecting families from digital threats such as home cyber attacks, identity theft, cyber extortion, and personal devices being hacked.
- My Mackay
Products and services
- Home Insurance Home insurance coverage protecting residential properties in Eastern Ontario against risks including wind damage, water damage, theft, smoke damage, liability claims, and damage caused by fallen objects. Offered to homeowners through the independent brokerage with access to multiple carriers.
- Auto Insurance Motor vehicle insurance providing coverage for vehicles, drivers, passengers, pedestrians, and property damage. Includes various auto insurance products and coverage options for Eastern Ontario drivers, with access to multiple insurance carriers through Applied Systems WebRater.
- Life Insurance Life insurance protecting families financially against income loss, funeral expenses, debts, mortgages, schooling costs, and maintaining family standard of living. Includes term life and permanent life insurance products.
- Business Insurance Commercial insurance coverage protecting businesses against accidents, liabilities, and various operational risks. Includes coverage for commercial, home-based, and contractor businesses across Eastern Ontario.
- Specialty Insurance Specialized insurance products for non-standard needs including travel insurance, event insurance, hole-in-one insurance, and personal cyber coverage for Eastern Ontario customers whose situations are not addressed by standard personal or commercial policies.
- Boat Insurance Insurance coverage for watercraft of various sizes, protecting boat owners in Eastern Ontario against weather-related perils, fire, loss, damage, and vandalism.
- Motorcycle Insurance Motorcycle insurance providing financial coverage for bike and gear damages, theft protection, vandalism, fire coverage, and driver liability for Eastern Ontario riders.
- Student Car Insurance Auto insurance tailored for post-secondary students, designed to fit limited student budgets while meeting coverage and security needs for Eastern Ontario students.
- Collector Car Insurance Specialized insurance for classic and collector vehicles, including accident benefits, agreed value coverage (OPCF 19A), collision and comprehensive deductibles, and spare parts coverage for owners of collector vehicles in Eastern Ontario.
- High-Risk Auto Insurance Auto insurance for drivers considered high-risk due to multiple accidents, traffic tickets, DUI convictions, policy lapses, or payment failures, serving Eastern Ontario drivers who struggle to obtain standard coverage.
- Cottage Insurance Insurance coverage for vacation properties protecting Eastern Ontario cottage owners against unique risks including fallen trees, rising water, theft, vandalism, wildlife damage, and winter damage.
- Tenant Insurance Insurance protecting renters and their belongings against fire, theft, natural disasters, liability claims, and covering extra living expenses if displaced. Tenant insurance in Eastern Ontario can cost as little as $30 per month.
- Trailer Insurance Insurance coverage for travel trailers, RVs, and park model trailers protecting against theft, vandalism, collisions, fire, natural disasters, and covering personal belongings, with policies from Echelon featuring $2,000,000 in auto liability coverage.
- Home Cyber Security Insurance 24/7 Home Cyber Security Insurance (Cyberboxx) covering home cyber attacks, identity theft, cyber extortion, and personal device hacking for Eastern Ontario households, provided through Boxx Insurance.
- Personal Cyber Coverage Coverage protecting individuals against cyber attacks through unsecured networks, weak passwords, and unprotected personal information accessed via digital devices in Eastern Ontario.
- Travel Insurance Insurance coverage for travelers protecting against trip interruptions, medical emergencies, and travel-related losses for Eastern Ontario residents traveling domestically or internationally.
- Event Insurance Insurance coverage for special events protecting against cancellations, liabilities, and unforeseen circumstances for Eastern Ontario event organizers.
- Hole-In-One Insurance Insurance coverage for golf tournament hole-in-one prizes, protecting tournament organizers in Eastern Ontario from paying out prizes for successful shots.
- Farm Insurance Comprehensive insurance for farms covering liabilities related to livestock, equipment, and catastrophic weather damage for Eastern Ontario farm owners.
- Contractor's Insurance Insurance coverage for independent contractors protecting against damages, liabilities, and risks associated with construction and trade work in Eastern Ontario, including WSIB-related considerations.
- Home-Based Business Insurance Business insurance for home-based businesses covering equipment, inventory, business vehicles, and client injuries that standard home insurance policies will not cover, for Eastern Ontario home-based operators.
- Professional Liability Insurance Professional liability coverage protecting service providers from financial losses due to errors, omissions, or negligence in their professional services for Eastern Ontario professionals.
- Errors & Omissions Insurance E&O insurance covering attorney fees, settlements, judgments, and court costs for professionals facing claims due to mistakes in their work, serving Eastern Ontario professional service providers.
- CAA Membership Resale CAA membership reselling service offering 24/7 roadside assistance, towing across Canada and the U.S., trip accident support, and complimentary rental cars, which can be combined with home and auto insurance for multi-discount savings.
Quantifiable outcome
- 45+ years serving Eastern Ontario customers
- +2 more outcomes
Companies that use Mackay Insurance
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles3 records
Mackay Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Mackay Insurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- CAA (Canadian Automobile Association)coreMackay Insurance is a registered CAA membership reseller. They combine CAA accounts with Mackay home and auto insurance packages, potentially qualifying customers for multi-discount savings. Services include 24/7 roadside assistance across Canada and the U.S., towing, trip accident support, and complimentary rental cars.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Mackay Insurance competitors and assessment
Company assessmentBroad incumbents
- Hub International: Hub is one of the largest North American insurance brokerages with a significant Canadian footprint. It overlaps with Mackay in personal and commercial brokerage but operates at far greater scale, with broader specialty and enterprise capabilities.
- Intact Financial Corporation: Intact is Canada's largest P&C insurer and a primary carrier for many independent brokers including Mackay. It is both a wholesale counterparty and a competitive threat via its direct brands (belairdirect) and broker acquisitions.
- The Co-operators: The Co-operators is a Canadian multi-line insurance provider offering home, auto, life, and commercial coverage through both direct and broker channels. It competes for the same Eastern Ontario customers as Mackay but also acts as a potential carrier partner.
Direct peers
- Westland Insurance Group: Westland is a major Western Canadian insurance brokerage with diversified personal and commercial lines. It is comparable to Mackay as an independent, multi-line brokerage serving regional Canadian markets and pursuing growth via acquisition.
- CAA Insurance (CAA South Central Ontario): CAA Insurance is both a partner (Mackay resells CAA memberships) and a competitor — it sells home and auto insurance directly to CAA members in Ontario, including in the Belleville/Napanee region that Mackay serves.
- BrokerLink: BrokerLink is a Canadian independent insurance brokerage chain with multi-line personal and commercial offerings across multiple provinces. It is the closest direct comparable to Mackay — same business model, same customer base, and similar product breadth, but with substantially larger geographic scale.
Emerging players
- Sonnet Insurance: Sonnet is a Canadian direct-to-consumer online insurance provider focused on home and auto. It competes for the same digital-first customers Mackay targets via its online quote estimator, but with a fully self-serve, no-broker model.
- belairdirect: belairdirect is a Canadian online and direct-to-consumer auto and home insurer backed by Intact Financial. It competes with Mackay for price-sensitive personal lines customers who prefer self-serve digital channels over broker-assisted buying.
- Mitch Insurance: Mitch is a Canadian digital-first insurance broker offering home and auto coverage through partner carriers. It is comparable to Mackay as a multi-carrier broker but competes via a fully digital experience rather than physical branches.
Others
- BrokerLift: BrokerLift is the technology platform Mackay uses for specialty line quoting (boats, trailers, events). It is comparable as an enabling infrastructure provider within the same brokerage ecosystem rather than a direct competitor.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Mackay Insurance social profiles
Digital presenceMackay Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mackay Insurance leadership team
Management profileNumber of profiles
Profiles4 records
Mackay Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mackay Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mackay Insurance
What does Mackay Insurance do?
Mackay Insurance is an independent insurance brokerage in Eastern Ontario that places personal, commercial, and specialty insurance policies with multiple insurance carriers on behalf of customers. The firm offers home, auto, life, business, boat, motorcycle, cottage, tenant, farm, contractor, professional liability, errors & omissions, and cyber insurance products, plus CAA membership reselling, delivered through broker-assisted sales at Belleville and Napanee offices and online quote tools.
Is Mackay Insurance a public or private company?
Mackay Insurance is a private company. It is classified as family owned and is currently operating.
When was Mackay Insurance founded?
Mackay Insurance was founded in 1980. It employs 11 to 50 people.
Where is Mackay Insurance based?
Mackay Insurance is headquartered in Belleville, Canada, in the North America region.
How does Mackay Insurance make money?
Two revenue lines are on record. Insurance Brokerage Commissions are the primary driver. The others are CAA Membership Reseller.
Who are Mackay Insurance's main competitors?
Broad incumbents on record are Hub International, Intact Financial Corporation and The Co-operators. Direct peers are Westland Insurance Group, CAA Insurance (CAA South Central Ontario) and BrokerLink. Emerging players are Sonnet Insurance, belairdirect and Mitch Insurance. BrokerLift is listed as an others.
Does Mackay Insurance have an API?
No public API is recorded for Mackay Insurance.
What industry is Mackay Insurance in?
Mackay Insurance's product category is Insurance Brokerage. Its primary akta.pro industry code is FSAEADAJ, Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines), with a secondary code of FSAJAOAA, Standalone Cyber Liability Insurance. Its NAICS code is 52421 and its SIC code is 6411.