Utter Morris Insurance Brokers

What Utter Morris Insurance Brokers does

Utter Morris Insurance Brokers is an independent insurance brokerage headquartered at 3070 Mainway, Unit 5, Burlington, Ontario, operating continuously since 1927. The firm is family-owned under the Thorpe family (Fred Thorpe acquired the business in 1980; John Thorpe serves as President/Producer and Lorie Smith as Operations Manager) and is part of the Collectivfide Broker Network, owned by Collectivfide Insurance Group Inc. The brokerage serves individuals, families, and businesses across Burlington and surrounding Ontario markets through a sales-led, relationship-driven distribution model. Revenue is generated via commissions from insurance carriers on placed policies, with annual billing and quote-based pricing determined by individual risk factors and coverage needs.

The company offers a full-spectrum product portfolio spanning personal lines (auto, property/homeowners, watercraft, life, and umbrella insurance) and commercial lines (business liability, commercial auto, cyber liability, and aviation insurance). The technology backbone consists of standard broker management systems (TAM/EPIC referenced in job postings), a Squarespace-hosted website, and an off-the-shelf client portal (CSR24); no proprietary platform, AI/ML capability, or app is disclosed. The firm operates with approximately 22 team members organized across Management, Commercial Lines, Personal Lines, and Administrative functions, serving clients through phone, email, in-person visits, and the client portal.

Utter Morris maintains appointed-broker relationships with 28+ insurance carriers — including Aviva, CAA, Chubb, Intact, Wawanesa, Travelers, Definity, Hagerty, and specialty underwriters such as Global Aerospace, USAIG, HDI, and Beazley — enabling multi-carrier market shopping for clients. The go-to-market motion relies on community involvement (a $90,000 '90 in 90' anniversary initiative), referrals via a 'Refer For Rewards' program, content marketing, and long-tenured client relationships (documented 27+ year retention). The firm holds RIBO (Registered Insurance Brokers of Ontario) licensing and complies with CISRO Principles of Conduct.

Name

Utter Morris Insurance Brokers

Legal name

Utter Morris Insurance Brokers

Website

https://uttermorris.com

Company type

Private

Founded year

1927

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

akta.pro secondary industries

Personal Auto Insurance (FSAJAMAA), Personal Umbrella Insurance (FSAJANAA), Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance solutions
• Independent insurance broker
• Property and auto insurance

Headquarters

HQ city

Burlington

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance companies for placing policies. Operates as an independent insurance broker offering products from multiple insurers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Utter Morris Insurance Brokers is an independent insurance brokerage that places personal and commercial insurance policies on behalf of clients by shopping multiple insurance carriers. The firm sells Auto, Property/Homeowners, Watercraft, Life, and Umbrella Insurance to individuals and families, and Business Insurance, Commercial Auto, Cyber Liability, and Aviation Insurance to commercial clients, earning commissions from the underwriting insurers.

Product overview

Utter Morris Insurance Brokers is a traditional insurance brokerage offering a comprehensive portfolio of insurance products and services. The company provides Personal Insurance products (Auto, Property/Homeowners, Watercraft, Life, and Umbrella Insurance) and Business Insurance products (Business Liability, Commercial Auto, Cyber, and Aviation Insurance). As an independent brokerage, they access multiple insurers to find competitive rates and tailored coverage. The company also offers a Client Portal for policy management and a Claims Centre providing guidance through the claims process with connections to their insurance company partners.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance Comprehensive auto insurance coverage for cars, motorcycles, classic vehicles, snowmobiles, ATVs, and motorhomes, offering personalized policies tailored to individual needs and budgets with optional add-ons such as Accident Forgiveness, Collision, Comprehensive, Rental Car, and Specified Perils Coverage.
• Property Insurance

Quantifiable outcome

• 27+ year client retention
• +1 more outcomes

Named customers4 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

27 partnerships are on record, tiered core.

• Collectivfide Broker NetworkcoreStrategic or Co-development PartnerParent company network. Utter Morris is part of Collectivfide Brokerage Network owned by Collectivfide Insurance Group Inc. Provides privacy standards, operational support, and data sharing within the network of brokerages across Ontario.
• Aviva CanadacoreChannel Partner/ Reseller/ DistributorMajor insurance partner providing claims and service contacts. Claims: 866-692-8482, Service: 800-360-5009
• CAA Insurance CompanycoreChannel Partner/ Reseller/ DistributorInsurance partner with claims contact: 1-877-222-1717
• ChubbcoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 800-532-4822, Service: 855-728-4328
• Coachman InsurancecoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 416-255-3417, Service: 800-361-2622
• Dufferin MutualcoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 416-571-6952, Service: 800-265-9115
• Echelon InsurancecoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 866-931-0570, Service: 800-324-3566
• Definity (Economical)coreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 1-800-607-2424
• HagertycoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 855-451-4957, Service: 877-922-9701
• Intact InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance partner with claims: 866-464-2424, Service: 800-268-4567
• Wawanesa InsurancecoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 844-929-2637, Service: 800-268-7300
• JevcocoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 866-464-2424, Service: 800-265-5458
• SGI InsurancecoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 416-255-3417, Service: 877-844-8460
• Special RiskcoreChannel Partner/ Reseller/ DistributorInsurance partner for specialty coverage
• United States Aircraft Insurance GroupcoreChannel Partner/ Reseller/ DistributorAviation insurance partner
• Avro Insurance ManagerscoreChannel Partner/ Reseller/ DistributorInsurance partner
• Beazley CanadacoreChannel Partner/ Reseller/ DistributorInsurance partner for specialty lines
• Berkley CanadacoreChannel Partner/ Reseller/ DistributorInsurance partner
• Facility AssociationcoreChannel Partner/ Reseller/ DistributorInsurance partner for high-risk coverage
• Forward InsurancecoreChannel Partner/ Reseller/ DistributorInsurance partner
• Global AerospacecoreChannel Partner/ Reseller/ DistributorAviation insurance partner
• Global Specialty Insurance (AXA XL)coreChannel Partner/ Reseller/ DistributorSpecialty insurance partner
• HDI Global SpecialtycoreChannel Partner/ Reseller/ DistributorSpecialty insurance partner
• Premier GroupcoreChannel Partner/ Reseller/ DistributorInsurance partner
• South Western Insurance GroupcoreChannel Partner/ Reseller/ DistributorInsurance partner
• Portage MutualcoreChannel Partner/ Reseller/ DistributorInsurance partner with claims: 905-937-0100, Service: 800-263-7262
• Travelers CanadacoreChannel Partner/ Reseller/ DistributorMajor insurance partner with claims: 800-661-5522, Service: 905-825-6400

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Hub International: Global insurance brokerage with significant Canadian operations offering personal, commercial, and specialty lines through a national branch network. Larger incumbent with comparable product breadth but materially greater scale and geographic reach.
• Marsh Canada: Global insurance brokerage and risk advisory with extensive Canadian presence, focused on commercial and specialty lines (and increasingly personal lines). Larger incumbent offering overlapping capabilities but oriented to enterprise clients.
• Aon Canada: Global insurance brokerage and advisory with Canadian operations spanning commercial, personal, and specialty lines. Comparable multi-carrier distribution model at vastly greater scale and enterprise-segment focus.
• Arthur J. Gallagher & Co. Global insurance brokerage and risk management firm with Canadian operations across personal, commercial, and specialty lines. Larger incumbent providing similar broker-mediated distribution at materially greater scale.

Direct peers

• Westland Insurance: Major Western-Canadian retail insurance brokerage with growing Ontario presence, offering personal, commercial, and specialty lines through multi-carrier distribution. Comparable in product breadth and small/mid-market commercial focus.
• BrokerLink: Largest Canadian retail insurance brokerage network with hundreds of branches across Canada, offering personal and commercial lines through multi-carrier distribution. Closest direct comparable to Utter Morris in terms of retail brokerage model, multi-carrier access, and multi-line personal/commercial offering.
• BFL Canada: Specialty Canadian commercial insurance brokerage serving mid-market and large commercial clients with complex commercial lines. Comparable to Utter Morris' commercial/specialty practice (cyber, aviation, commercial property).
• Co-operators: Canadian multi-line insurance provider with mutual/cooperative ownership model and direct retail distribution. Comparable to Utter Morris in serving Canadian individuals and small businesses with diversified P&C and life products.
• CAA Insurance Company: Membership-based Canadian insurance distributor offering auto, home, and travel coverage through club-owned broker channels. Comparable in retail personal lines focus and Canadian regional distribution; Utter Morris even lists CAA as a carrier partner.

Emerging players

• PolicyMe: Canadian digital-first insurance brokerage offering term life and other personal lines online with a streamlined UX. Represents the emerging insurtech wave threatening traditional broker-mediated retail distribution that Utter Morris depends on.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/uttermorris
• Facebookfacebook.com/uttermorris

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Utter Morris Insurance Brokers