Orchestro assurances et rentes collectives

Name

Orchestro assurances et rentes collectives

Legal name

Orchestro, Assurances et Rentes collectives

Website

https://orchestro.ca

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Group Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Services-Management Consulting Services (8742)

akta.pro industry

PRIMARYHLAEALAA

Self-Funded Employer Plan TPA (ASO Administration)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYHLAEALAN

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYFSAIAJAC

Annuity + LTC / Long-Term Care Riders

Financial & Insurance/Insurance — Life & Health/Long-Term Care Insurance

SECONDARYHLAEALAJ

Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises)

Healthcare & Life Sciences/Health Insurance & Managed Care/Third-Party Administration (TPA) & Administrative Services Only (ASO)

SECONDARYFSAIAFAH

Association & PEO Group Health Plans (AHP/PEO-Sponsored)

Financial & Insurance/Insurance — Life & Health/Group Health Insurance (Employer-Sponsored)

Keywords

• Group insurance brokerage
• Employee benefits consulting
• Collective pension advisory
• Group insurance administration
• Employer benefits advisory

Headquarters

HQ city

Québec

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Insurance Brokerage Commissions: Orchestro earns commissions from insurance companies for placing group insurance and employee benefits business. The company acts as an independent broker bringing together multiple insurers to create customized coverage.
2. Private Management Services: Third-party administrator (TPA) fees for managing group insurance plans on behalf of employers, including employee movement management, insurer communications, payment processing, and renewal negotiations.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Orchestro is an independent insurance brokerage and advisory firm specializing in group insurance, collective annuities, and employee benefits for Quebec-based businesses. The company designs, sources, and administers group insurance plans by aggregating coverage from a broad network of insurance carriers, and provides third-party administration (TPA) services for plan sponsors. It supports SMEs and large enterprises with services ranging from plan design and renewal analysis to disability management and integrated HR advisory through the Harmonio platform.

Product overview

Orchestro is an independent group insurance and employee benefits advisory and brokerage firm (cabinet) operating as a private, Quebec-owned company. Founded July 1, 2013, it offers a coordinated portfolio of services centered on group insurance brokerage (Courtage en Assurances Collectives) as the core product and Gestion privée de régime collectif as its third-party administration (TPA) service. The portfolio is extended by modular add-ons including accidental death & dismemberment insurance with critical illness coverage, virtual medicine (via Dialogue), an Employee Assistance Program (PAE/Équilibre+), travel insurance supplements (via Tour+Med), disability management, periodic experience results tracking, and plan design/renewal advisory services. The offering is supported by employer and advisor web portals and is distributed across Quebec through a network of city-specific service pages. In September 2026, Orchestro announced a strategic partnership with Ellipse Insurance and BCH Collectif to create a new group insurance and employee benefits subsidiary, set to launch its brand in October 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Harmonio: HR management platform offered in collaboration with Orchestro for integrated management of group insurance, human resources, and payroll.

Products and services

• Courtage en Assurances Collectives (Group Insurance Brokerage) Brokerage and advisory services for designing, implementing, and renewing group insurance plans. Sources coverage across the entire market to build personalized plans combining life, health, drug, dental, disability, and travel coverage for Quebec employers.
• Gestion privée de régime collectif (Private Group Plan Management) Third-party administrator (TPA) service managing all aspects of group insurance plans, including member data management, insurer communications, billing, renewals, and market bidding, delivered through the Harmonio Microsoft-supported technology platform.
• Assurance décès et mutilation accidentels (Accidental Death and Dismemberment Insurance) Accidental death and dismemberment (ADM) insurance plus critical illness coverage for four disease types, providing up to 10% of ADM insured capital (minimum $5,000, maximum $10,000) as a tax-free benefit without requiring insurability evidence.
• Service de médecine virtuelle (Virtual Medicine Service) Virtual medicine/telemedicine service delivered through Dialogue, offering 24/7 access to doctors and nurses via video consultations, prescription renewals, and free medication delivery across Canada in both official languages.
• Programme d'aide aux employés (PAE) / Employee Assistance Program Employee Assistance Program providing confidential short-term counseling and referrals to professionals (psychologists, social workers, financial advisors) for mental health, family, legal, and financial issues. Available 24/7 to employees and their families.
• Compléments d'assurance voyage (Supplementary Travel Insurance) Supplementary travel insurance covering trip cancellation, trip interruption, and baggage loss/delays. Offered through Tour+Med partnership with flexible duration options (30, 60, 90, or 120 days) to complement basic group plan travel coverage.
• Programme de gestion de l'invalidité (Disability Management Program) Disability management program advising on short- and long-term disability coverage, leave policies, and salary continuation strategies to ensure compliance with labour standards while protecting employee income.
• Équilibre+ (Combined Wellness Program) Combined wellness program integrating the employee assistance program (PAE) and virtual medicine services, connecting employees with mental health, financial, and medical professionals under a unified well-being offering.
• Suivi périodique des résultats d'expérience (Experience Results Monitoring) Periodic experience results monitoring and reporting service that tracks plan consumption, identifies cost trends, and supports proactive optimization strategies for group insurance plan sponsors.
• Conception et refonte de régime (Plan Design and Redesign) Insurance plan design and redesign services, including market analysis, needs assessment, and creation of modern group insurance plans tailored to organizational and employee needs.
• Analyse de renouvellement et appel d'offres (Renewal Analysis and Tendering) Annual renewal analysis and insurance market tendering service, including financial condition analysis, insurer proposal comparison, and competitive bidding to secure optimal coverage at best price.

Quantifiable outcome

• Up to 70% of physician visits can be handled virtually, reducing employee absenteeism
• +3 more outcomes

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Ellipse InsurancecoreStrategic or Co-development Partner · 3 September 2026Strategic partnership to create a new subsidiary for group insurance and employee benefits. The new organization will be led by executives from all three firms. Clients will continue working with the same advisors.
• BCH CollectifcoreStrategic or Co-development Partner · 3 September 2026Strategic partnership to create a new subsidiary for group insurance and employee benefits combining expertise from all three firms.
• Tour+MedcoreTechnology or IntegrationPartnership providing flexible complementary travel insurance products including trip cancellation, interruption coverage, and baggage loss protection with variable duration options (30, 60, 90, or 120 days).
• FOCUS ressources humainesminorImplementation/ SI/ Consulting PartnerHR consulting firm offering services including crisis management, salary compensation, labor standards, employee mobilization, recruitment, coaching and training. Provides three free HR consultations annually to Orchestro group insurance clients.
• DialoguecoreTechnology or IntegrationVirtual medicine platform providing 24/7 access to healthcare professionals including doctors and nurses via secure video consultations, prescription renewals, and medication delivery. Serves millions of individuals across over 25,000 organizations in Canada.
• Alto / HarmoniocoreTechnology or IntegrationParent company providing Harmonio HR management platform that integrates group insurance administration, human resources, and payroll processing into a unified system.
• Insurance Company PartnerscoreChannel Partner/ Reseller/ DistributorNetwork of insurance company partners including Desjardins, Empire Vie, Humania, Industrielle Alliance, La Capitale, Manuvie, RBC, SSQ, Sun Life, Union Vie, Croix Bleue, Chubb, Canada Vie, and others providing products that Orchestro brokers and manages for clients.

Scale indicators2 records

Recent moves1 record

Emerging players

• Dialogue Health Technologies: Canadian virtual care platform that Orchestro resells into group insurance plans as an add-on; comparable as a Canadian employee benefits ecosystem player intersecting with Orchestro's wellness and EAP product bundle.

Direct peers

• Sintra: Quebec-based HR and group insurance consulting firm offering group benefits brokerage, RRSP administration, and HR advisory services — comparable in offering mix and Quebec SME customer orientation.
• Lussier Dale Parizeau: Quebec-based insurance and financial services brokerage offering group insurance, personal insurance, and HR advisory to SMEs and large enterprises — comparable to Orchestro in target segment, geography, and broker-led service model.
• Le Groupe Larose: Quebec insurance brokerage specializing in group insurance and employee benefits for SMEs and mid-market employers — directly comparable to Orchestro in service offering, customer size tier, and regional Quebec focus.
• Normandin Beaudry: Quebec-headquartered actuarial consulting and group insurance advisory firm serving employers across the province with plan design, funding studies, and administration services — directly comparable to Orchestro's core group insurance brokerage and TPA offering in the same Quebec market.
• Optimum Groupe Financier: Quebec-rooted financial services and group insurance firm providing collective life and health products, savings plans, and brokerage services — directly comparable in product category, customer base, and Quebec-centric operating model.

Broad incumbents

• Hub International: Large North American insurance brokerage with significant Canadian operations including Quebec, offering group benefits alongside commercial and personal lines — a broader incumbent competing with Orchestro for mid-market and large employer group benefits accounts.
• Desjardins Group: Quebec-headquartered financial cooperative offering group insurance and pension products directly to employers — both a competitor and a key carrier partner of Orchestro, representing the incumbent institutional counterparty in Orchestro's broker network.
• Marsh & McLennan: Global insurance brokerage and advisory firm operating in Canada including Quebec, providing group health and benefits consulting as part of a broader portfolio — a much larger incumbent overlapping with Orchestro in employee benefits advisory.

Regional players

• BFL Canada: Canadian insurance brokerage and risk management firm with strong Quebec presence offering employee benefits consulting among broader commercial lines — comparable in brokerage function though more diversified across commercial lines than Orchestro.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/orchestro-assurances-et-rentes-collectives

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 Orchestro assurances et rentes collectives