HDF Insurance

What HDF Insurance does

HDF Insurance (operating under the BrokerLink brand; legal entity Brokerlink Inc.) is a Canadian insurance brokerage founded in 1994, headquartered in Edmonton, Alberta, and operating as a subsidiary under Intact Financial Corporation (TSX: IFC). The firm serves individual Canadians and Canadian businesses across all 13 provinces and territories, distributing personal and commercial insurance products through a multi-channel platform that combines local branch offices, phone-based inside sales (1-866-724-2372), an online self-serve quote portal (quotes.brokerlink.ca), the BrokerLink Connect self-serve customer portal, and mobile applications on iOS and Android. Its product surface spans more than 50 personal and commercial lines, including auto, home, tenant, condo, motorcycle, RV, boat, pet, life, travel, and group insurance for consumers, plus 200+ commercial options covering commercial auto, property, general liability, cyber, professional liability, D&O, builders risk, trade credit, and industry-specific packages across 16+ verticals such as agriculture, construction, energy/oil/gas, hospitality, manufacturing, marine, technology, and transportation.

Name

HDF Insurance

Legal name

Brokerlink Inc.

Website

https://hdfinsurance.com

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

101–250 employees

Short description

HDF Insurance (operating as BrokerLink) is a Canadian insurance brokerage founded in 1994, distributing personal and commercial policies from 100+ carriers to 1M+ customers across all 13 provinces and territories via branches, phone, web, and mobile channels, under parent Intact Financial Corporation.

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

Keywords

• Insurance brokerage services
• Personal insurance products
• Commercial insurance coverage
• Insurance quote comparison
• Claims management portal

Headquarters

HQ city

Calgary

HQ country

Canada

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Earns commissions from insurance providers for placing policies with customers. Acts as intermediary between customers seeking coverage and insurance companies offering policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels4 records

Core offering

HDF Insurance (operating as BrokerLink) is a Canadian insurance brokerage that places personal and commercial insurance policies on behalf of customers through 100+ insurance carrier relationships. The firm earns commissions by intermediating between Canadian individuals and businesses seeking coverage and the underwriters offering policies. Service delivery occurs through branch offices, phone-based sales, online quote portals, a self-serve customer portal (BrokerLink Connect), and a mobile app.

Product overview

BrokerLink is a Canadian insurance broker offering a comprehensive portfolio of personal and commercial insurance products. The company operates as an insurance broker representing over 100 insurance companies, providing customers with access to multiple coverage options. The product portfolio includes personal insurance products (Car Insurance, Home Insurance, RV Insurance, Apartment & Tenant Insurance, Motorcycle Insurance, Condo Insurance, Boat Insurance, ATV Insurance, Snowmobile Insurance, Trailer Insurance, Vacation Property Insurance, Insurance Bundle, Pet Insurance, Life Insurance, Travel Insurance, Health Insurance, Group Insurance, Employee Benefits) and over 200 business insurance options spanning Commercial Auto, Commercial Property, General Liability, Cyber Insurance, Directors & Officers, Professional Liability, Farm Insurance, and industry-specific coverages for Agriculture, Construction, Contractor, Energy/Oil/Gas, Health/Wellness, Hospitality, Manufacturing, Marine, Non-Profit, Personal Care/Beauty, Professional Services, Real Estate, Retail, Technology, Transportation, and Wholesale/Warehousing sectors. BrokerLink supplements its product offerings with self-service capabilities through the BrokerLink Connect web portal and mobile application for iOS and Android.

Differentiator

Problem solved

Functional benefit

Products and services

• Car Insurance Vehicle insurance coverage for personal automobiles, including collision, liability, and comprehensive protection, offered to Canadian individual consumers through BrokerLink's carrier network.
• Home Insurance Property insurance coverage for homeowners, protecting against damage, loss, and liability, sourced from multiple insurance carriers through the brokerage.
• Condo Insurance Insurance coverage for condominium owners protecting the unit and personal property.
• Apartment and Tenant Insurance Insurance coverage for renters and tenants protecting personal belongings and liability.
• Motorcycle Insurance Insurance coverage for motorcycles including liability and physical damage protection.
• ATV Insurance Insurance coverage for all-terrain vehicles including liability and physical damage.
• Snowmobile Insurance Insurance coverage for snowmobiles including liability and physical damage.
• Boat Insurance Insurance coverage for boats and watercraft including liability and physical damage.
• Trailer Insurance Insurance coverage for various types of trailers.
• RV Insurance Insurance coverage for recreational vehicles including motorhomes and travel trailers.
• Vacation Property and Cottage Insurance Insurance coverage for vacation properties and cottages.
• Pet Insurance Insurance coverage for veterinary expenses and pet health-related costs.
• Life Insurance Life insurance coverage providing financial protection for beneficiaries.
• Travel Insurance Insurance coverage for travel-related risks including trip cancellation, medical emergencies, and lost luggage.
• Health Insurance Health insurance coverage for medical expenses and healthcare costs.
• Group Insurance Group insurance programs for organizations covering multiple members.
• Employee Benefits Employee benefits insurance programs including group health and retirement plans.
• Insurance Bundle Combined insurance products offering discounts for multiple policies bundled together.
• Commercial Auto Insurance Vehicle insurance coverage for commercial businesses protecting company vehicles and fleet.
• Commercial Property Insurance Insurance coverage for commercial properties protecting buildings and business assets.
• Commercial General Liability Insurance Liability insurance protecting businesses against third-party claims for bodily injury and property damage.
• Event Liability Insurance Insurance coverage for event organizers against liability claims during events.
• Professional Liability Insurance Errors and omissions insurance protecting professionals against negligence claims.
• Cyber Insurance Insurance coverage for cyber risks including data breaches, hacking, and digital asset protection.
• Directors and Officers Liability Insurance Insurance protecting directors and officers against liability for decisions made on behalf of an organization.
• Business Interruption Insurance Insurance coverage for lost income during business disruptions due to covered events.
• Builder's Risk Insurance Builder's risk insurance covering construction projects during the building phase.
• Equipment Breakdown Insurance Insurance coverage for mechanical and electrical equipment breakdown.
• Assured Bond Insurance Surety bond insurance providing financial guarantees for contract performance.
• Crime Coverage Insurance Insurance coverage for losses due to criminal acts such as theft and fraud.
• Trade Credit Insurance Insurance protecting businesses against non-payment by customers.
• Public Liability Insurance Insurance protecting businesses against claims from members of the public for injury or property damage.
• Home Business Insurance Insurance coverage for businesses operated from residential properties.
• Farm and Agriculture Industry Insurance Specialized insurance for agricultural operations including livestock, equipment, and crops.
• Contractor Insurance Insurance coverage tailored for contractors and construction professionals.
• Construction Industry Insurance Insurance coverage for construction companies and building projects.
• Energy, Oil and Gas Industry Insurance Specialized insurance for energy, oil, and gas sector businesses.
• Health and Wellness Industry Insurance Insurance for health and wellness businesses including clinics and spas.
• Hospitality Industry Insurance Insurance coverage for hospitality businesses including hotels and restaurants.
• Manufacturing Industry Insurance Insurance coverage for manufacturing operations and facilities.
• Marine Insurance Marine insurance coverage for ships, cargo, and maritime operations.
• Non-Profit Insurance Insurance coverage tailored for non-profit organizations.
• Personal Care and Beauty Industry Insurance Insurance for personal care and beauty service providers.
• Professional Services Insurance Insurance for professional services firms including consultants and advisors.
• Real Estate Industry Insurance Insurance coverage for real estate agencies and property managers.
• Retail Industry Insurance Insurance coverage for retail businesses and stores.
• Technology Industry Insurance Insurance coverage for technology companies and software businesses.
• Transportation Industry Insurance Insurance coverage for transportation and logistics companies.
• Wholesale and Warehousing Industry Insurance Insurance coverage for wholesale and warehousing operations.
• BrokerLink Connect Self-Serve Portal Self-serve portal for managing policies, accessing documents, reporting claims, and updating coverage details, available to existing BrokerLink customers.
• BrokerLink Insurance Mobile App Mobile application for iOS and Android enabling policy management and claims tracking on the go for BrokerLink customers.

Quantifiable outcome

• 32,303+ Google Reviews with 4.6 average rating
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Intact Financial CorporationcoreOthersIntact Financial Corporation is the parent company and licensor of BrokerLink. BrokerLink operates as a subsidiary and uses Intact's registered trademarks (Intact Design and Intact Insurance Design) under license. This is a subsidiary-parent relationship rather than a traditional partnership.

Scale indicators5 records

Recent moves5 records

Expansion highlights5 records

Regional players

• McDougall Insurance & Financial: Large Ontario-based independent insurance brokerage with multi-carrier personal and commercial offerings. Comparable business model but with more concentrated regional presence versus BrokerLink's national footprint.

Direct peers

• Jones DesLauriers Insurance (Navacord): Large Canadian commercial-focused insurance brokerage within the Navacord broker network. Comparable in multi-carrier brokerage model with strong commercial lines focus serving Canadian businesses.
• BFL Canada: Leading Canadian commercial insurance brokerage specializing in complex commercial and specialty lines. Comparable as a national brokerage competing for similar mid-market and large commercial accounts.
• Acera Insurance: Western Canadian insurance brokerage formed through multiple broker roll-ups, serving personal and commercial customers. Comparable as a growing multi-carrier brokerage pursuing similar scale and product breadth.
• Westland Insurance Group: One of Canada's largest independent insurance brokerages, serving personal and commercial customers across multiple provinces with a similar multi-carrier distribution model. Directly comparable in scale, product breadth, and target customer segments.

Broad incumbents

• Marsh Canada: Canadian arm of global brokerage Marsh McLennan, providing commercial risk, insurance, and advisory services. Comparable as a major brokerage serving Canadian commercial clients with similar multi-carrier placement capabilities.
• Aon Canada: Canadian operations of global brokerage Aon, offering commercial risk management and insurance brokerage. Comparable in serving Canadian commercial clients through multi-carrier placements and risk advisory.
• Hub International Canada: North American brokerage with significant Canadian operations, providing personal and commercial insurance brokerage. Comparable in scale and multi-carrier brokerage model targeting similar Canadian customer segments.
• Arthur J. Gallagher & Co. (Canada): Global insurance brokerage with Canadian operations focused on commercial risk management and insurance placement. Comparable as a multinational brokerage serving Canadian commercial clients.

Others

• Intact Financial Corporation: Parent company of BrokerLink and Canada's largest P&C insurer. While not a direct peer (it is BrokerLink's parent), Intact operates competing direct-to-consumer channels (e.g., belairdirect, Sonnet) that increasingly bypass brokers, making it the most strategically consequential adjacent player.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hdf-insurance

Revenue estimate

Valuation estimate

Number of profiles

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 HDF Insurance