Cemiar

What Cemiar does

Cemiar Inc. is a Montreal-based, founder-owned B2B software company that sells modular automation, integration, and AI capabilities to insurance brokers and agencies in Canada. The platform is designed to connect to a brokerage's existing Broker Management System (BMS) and surrounding software stack — the website advertises over 50 such integrations — to unify data flows, automate broker workflows such as commercial billing, renewal management, coverage validation, and electronic document processing, and apply AI models to extract and process unstructured policy text and handle exceptions. Cemiar's underlying technology is a Modular Automation Engine that adapts each automation to the specific way the customer's employees work, layered with integrated AI models for higher-order tasks.

The company sells its services under a four-tier monthly subscription — Unidirectionnel ($299/month), Bidirectionnel ($449/month), Automatisation ($689/month), and Automatisation + I.A. ($1,138/month) — each including a base allocation of 2,500 queries with usage-based overages priced between $100 and $370 per additional 2,500 queries, plus professional services for custom engineering work. Go-to-market is sales-led and consultation-heavy: prospects book a demo via Calendly, engage with Cemiar's engineers, and are onboarded through direct phone (1-844-718-6700) and email ([email protected]) channels. The named customer base is concentrated in Quebec insurance brokerages (Lemay Coulombe Assurances, DPA Assurances, La Turquoise, ESSOR Assurances, Assurancia Groupe Tardif, Consilium), with one construction-sector logo (Groupe Jetté), and the company claims a North American positioning despite an operating footprint that is empirically Canadian. Cemiar is private, reports no external funding, and is led by President and Owner Philippe Coulombe, Partner and Vice-President Maxime Lapratte, and Co-founder and Data Protection Officer Kevin Houde.

Name

Cemiar

Legal name

Cemiar Inc.

Website

https://cemiar.link

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Cemiar is a Montreal-based B2B SaaS company that sells modular automation, BMS integration, and AI-powered document processing to insurance brokers and agencies, primarily in Quebec and Canada.

Ownership category

akta.pro rank

Product category

Insurance Technology (Insurtech)

NAICS

Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151)

SIC

Services-Prepackaged Software (7372), Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro industry

PRIMARYHDAEAHAE

Business Rules Management Systems (BRMS) & Decision Automation

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Business Process Management (BPM), Workflow & Automation Platforms

SECONDARYHDAEAGAD

Document Capture, Scanning, OCR/ICR & Intelligent Document Processing (IDP)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Enterprise Content Management (ECM) & Document Management

SECONDARYHDAEAKAG

Business Rules & Decision Management Platforms (BRMS/DMN)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Enterprise Application Development Platforms (Low-Code/No-Code & PaaS)

SECONDARYHDAEAGAF

E-Signature & Digital Transaction Management (DTM)

Hardware, Technology & Telecom/Enterprise Platforms & Databases/Enterprise Content Management (ECM) & Document Management

Keywords

• Insurance automation
• Insurtech solutions
• Workflow automation
• AI document processing
• Broker management integration

Headquarters

HQ city

Montréal

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Platform Subscription (API Access): Subscription-based pricing for API access with different tiers based on query volume and functionality level. Includes base monthly allocation of 2500 queries with additional queries available at per-unit pricing.
2. Usage-Based Overage: Additional queries beyond the base plan are charged per-unit, with different rates depending on the service tier (unidirectional, bidirectional, automation, or automation+AI).
3. Professional Services: Custom implementation and engineering services to tailor solutions to specific customer needs, as evidenced by the contact form offering consultation with experienced engineers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Cemiar provides a modular automation and AI platform that integrates with insurance brokers' existing Business Management Systems (BMS) to unify tools, synchronize data flows, and automate daily workflows. Its offering combines a software integration layer, configurable workflow automation, and AI-powered exception handling, delivered through tiered monthly subscriptions for commercial billing, task duplication, coverage validation, renewal management, e-document processing, and custom automation use cases.

Product overview

Cemiar is an insurance technology platform offering a unified suite of six automation services for insurance brokers. The platform operates through a three-stage approach: (1) integration with broker management systems (BMS) to unify tools and synchronize data flows, (2) modular workflow automation adapted to specific employee processes, and (3) AI-powered handling of complex cases. The six core services—Facturation commerciale, Doublement de tâches, Validation des protections, Gestion des renouvellements, Traitement des E-Docs, and Automatisations sur mesure—work together to optimize operational efficiency, reduce labor costs, minimize errors, and improve customer experience in the insurance sector.

Differentiator

Problem solved

Functional benefit

Products and services

• Facturation commerciale (Commercial Billing)

Quantifiable outcome

• Maximized operational efficiency and profitability for insurance agencies
• +4 more outcomes

Named customers7 records

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature3 records

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Emerging players

• AgentSync: AgentSync provides modern insurance broker/agent operations software, including producer onboarding, licensing, and commission automation. While more focused on producer management than Cemiar's billing/renewal focus, it targets the same broker modernization buyer with workflow automation value propositions.
• Indico Data: Indico Data provides AI-based intelligent document processing with strong insurance industry adoption for policy and claims documents. It competes with Cemiar's AI policy extraction and E-Doc processing capabilities in the insurance vertical.
• Hyperscience: Hyperscience is an enterprise intelligent document processing (IDP) and automation platform used across insurance and financial services for structured and unstructured document workflows. Comparable to Cemiar's E-Doc processing and validation automation.

Broad incumbents

• Vertafore: Vertafore is one of North America's largest providers of insurance distribution software (BMS, agency management, rating, and workflow). Cemiar integrates with Vertafore's ecosystem while competing for the automation and AI layer on top, making it the most comparable broad incumbent.
• UiPath: UiPath is a leading enterprise RPA and workflow automation platform. Cemiar competes with UiPath in the automation layer for insurance brokers, though UiPath operates broadly across industries while Cemiar is vertically specialized.
• Applied Systems: Applied Systems provides Applied Epic and other agency management platforms for insurance brokers across North America. Cemiar layers automation/AI on top of similar broker workflows, positioning Applied as the dominant incumbent whose roadmap Cemiar's offering depends on and competes against.
• TAM (The Agency Manager) by Applied Systems: TAM is one of the most widely used agency management systems for independent insurance agencies in North America. Cemiar's automation modules (renewals, validation, billing) layer on top of platforms like TAM, putting it in direct workflow-level competition.

Direct peers

• Rossum: Rossum is an AI document processing and intelligent document processing (IDP) platform with strong penetration in the insurance industry. Cemiar's AI-powered policy extraction and E-Doc processing capability is directly comparable to Rossum's core offering.
• NowCerts: NowCerts is an insurance agency management and automation platform focused on simplifying broker workflows including commercial lines, renewals, and document handling — overlapping tightly with Cemiar's six core services and target customer profile.
• EZLynx: EZLynx is a leading insurance agent/broker technology platform offering rater, agency management, and automation tools. It directly addresses the same insurance broker pain points (commercial billing, renewals, workflow automation) that Cemiar solves, making it a closely comparable direct competitor in the agency workflow space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cemiartech

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Cemiar