Boilard Assurances

What Boilard Assurances does

Boilard Assurances inc. is an independent Quebec-based damage insurance brokerage (cabinet privé en assurance de dommages) that has operated continuously for more than 25 years. The firm serves both individual consumers and business clients across Quebec through three physical offices in Quebec City, Wendake and Sainte-Catherine-de-la-Jacques-Cartier, supplemented by phone-based and online quote channels. It positions itself as a client-side broker rather than an insurer representative, with a stated mission of identifying the best coverage-to-price ratio across the market for each policyholder.

The product portfolio spans personal lines — automobile, home, boat, motorcycle, snowmobile, recreational vehicle and all-terrain vehicle coverage — and commercial lines including general commercial insurance, credit insurance (protecting against client payment defaults up to 90% of accounts receivable), surety and bid bonds for contractors, and a specialized multiplex insurance program for multi-unit residential buildings. The underlying technology is industry-standard: Applied Systems WebRater for auto and property quoting, website-based digital intake forms, and conventional broker CRM workflows. No proprietary technology platform, mobile application, API surface or AI/ML capability is disclosed.

The business model is commission-based revenue earned from the 30+ insurance carriers and specialty markets the firm represents, collected on both new placements and renewals, producing subscription-style recurring economics. Quotes are provided to clients at no charge; final premiums are set by individual insurers. The firm is privately held with no disclosed parent company, subsidiaries, funding rounds, or external investment, and its go-to-market motion is sales-led, combining direct phone, online and in-person consultation channels with local brand presence rather than digital or content-led acquisition.

Name

Boilard Assurances

Legal name

Boilard Assurances inc.

Website

https://boilardassurances.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

Boilard Assurances inc. is a Quebec-based independent damage insurance brokerage serving individual consumers and businesses across Quebec with personal lines, commercial coverage, surety bonds, and specialty programs from over 30 insurance carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Quebec

HQ country

Canada

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: Boilard Assurances earns revenue through commissions paid by insurance companies for placing client policies. As an independent insurance brokerage, they represent multiple carriers and earn commissions from insurers when policies are sold and renewed.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Boilard Assurances is an independent damage insurance brokerage that places personal and commercial insurance policies on behalf of clients by shopping across 30+ insurance carriers and specialized markets. The firm distributes auto, home, boat, motorcycle, snowmobile, recreational vehicle, ATV, general business, credit, surety/bonding, and multiplex insurance, and earns commissions from carriers for policies placed and renewed.

Product overview

Boilard Assurances is a damage insurance brokerage firm (cabinet privé en assurance de dommages) serving both individual (particuliers) and business (entreprises) clients. The company offers personal insurance products including automobile, habitation (home), boat, motorcycle, snowmobile, recreational vehicle, and all-terrain vehicle coverage. For business clients, they provide general commercial insurance, credit insurance, and surety/bonding services. They also offer a specialized multiplex insurance program for multi-unit residential buildings. The company works with over 30 insurance providers and markets to find optimal coverage at the best quality/price ratio for each client's unique needs. Insurance quotes are facilitated through an online quoting system for automobile, property, and certain vehicle coverages.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance automobile (Auto insurance)

Quantifiable outcome

• Access to 30+ insurance carriers for optimal coverage selection

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

18 partnerships are on record, tiered core and minor.

• AssurexpertcoreChannel Partner/ Reseller/ DistributorAssurexpert is listed as a partner and wholesale broker network. Boilard Assurances is a member of the Assurexpert network, which provides access to additional insurance products and market access.
• Intact AssurancecoreOthersIntact Assurance is a major insurance carrier partner. Boilard Assurances has a financial relationship with Intact Assurance as a distribution partner. Intact is also listed as the insurer for emergency claims handling.
• L'Unique Assurances GénéralesminorOthersInsurance carrier partner represented by Boilard Assurances for various commercial and personal insurance products.
• Optimum Société d'Assurance Inc.minorOthersInsurance carrier partner represented by Boilard Assurances.
• AvivaminorOthersInternational insurance carrier partner represented by Boilard Assurances for various insurance products.
• EconomicalminorOthersCanadian insurance carrier partner represented by Boilard Assurances.
• AprilminorOthersInsurance managing general agent partner for specialty insurance products including marine coverage.
• EchelonminorOthersInsurance carrier partner represented by Boilard Assurances.
• WawanesaminorOthersCanadian mutual insurance company partner represented by Boilard Assurances.
• Promutuel (Portneuf Champlain)minorOthersQuebec mutual insurance company partner represented by Boilard Assurances.
• NorthbridgeminorOthersCommercial insurance carrier partner represented by Boilard Assurances.
• PafcominorOthersInsurance carrier partner represented by Boilard Assurances.
• Oribte (assurance VR)minorOthersSpecialty insurance managing general agent for recreational vehicle coverage, also listed as wholesale partner.
• CimeminorOthersWholesale insurance broker network partner providing access to specialty insurance products.
• PistagnesiminorOthersWholesale insurance broker partner providing specialty insurance market access.
• RevauminorOthersWholesale insurance broker partner.
• SoplexminorOthersWholesale insurance broker partner.
• South WesternminorOthersWholesale insurance broker (South Western Insurance Group) partner.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Northbridge Financial Corporation: Canadian commercial P&C carrier represented by Boilard for business clients. Overlaps on the commercial insurance product set Boilard places, but operates as the underwriting carrier rather than as a brokerage intermediary.
• Intact Financial Corporation: Canada's largest P&C carrier and Boilard's primary distribution partner, including emergency claims handling. Comparable personal and commercial P&C underwriting but at vastly larger scale, and represents both a partner and a potential disintermediation threat via direct-to-consumer channels.

Direct peers

• BFL Canada: National Canadian commercial insurance brokerage with Quebec operations serving businesses across specialty and mainstream P&C lines. Comparable independent-broker placement model serving business clients similar to Boilard's 'Entreprises' segment.
• BrokerLink: Canadian multi-line insurance brokerage with strong Quebec and Ontario retail presence, placing personal and commercial coverage across multiple carriers. Directly comparable brokerage model with similar customer segments and commission revenue.
• Le Groupe PHB: Quebec-based independent insurance and financial services brokerage serving individuals and businesses. Comparable Quebec footprint, multi-carrier placement approach, and personal/commercial product mix.
• Lussier: Quebec-headquartered independent insurance brokerage offering personal, commercial, and specialty lines through multiple offices in the province. Highly comparable to Boilard on geography, multi-carrier model, and product breadth across personal/commercial insurance.

Emerging players

• Kanetix: Canadian online insurance comparison platform that aggregates auto and home quotes across carriers. Competes for the same individual Quebec consumer that Boilard serves via in-person brokerage, representing the digital aggregator threat to the traditional broker relationship.

Others

• Aviva Canada: Canadian subsidiary of UK-headquartered Aviva, listed as a carrier partner for Boilard. Comparable personal and commercial P&C offerings and Quebec retail distribution, though operates as a direct-writing carrier with its own broker channel.

Regional players

• Groupe Ultima: Quebec mutual insurance conglomerate combining a carrier (Ultima Assurances) with a brokerage network. Comparable Quebec-centric personal and commercial P&C focus, with overlap on broker-distribution dynamics though operating as both carrier and intermediary.
• Promutuel Assurance: Quebec-headquartered mutual insurer with regional branches (including Promutuel Portneuf Champlain, a Boilard carrier partner). Comparable Quebec geographic footprint and personal/commercial P&C product set, though operating as carrier rather than pure broker.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/boilard-assurances-inc

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 Boilard Assurances