Regroupement des cabinets de courtage d’assurance du Québec

What Regroupement des cabinets de courtage d’assurance du Québec does

The Regroupement des cabinets de courtage d'assurance du Québec (RCCAQ) is a nonprofit professional association founded in 1973 and headquartered in Longueuil, Quebec. It serves as the designated collective voice of damage insurance brokerage firms in the province, representing 300+ member firms and 4,200+ individual brokers before the Autorité des marchés financiers (AMF) and provincial legislators, and is itself a member of the Insurance Brokers Association of Canada (IBAC). The association's core offerings are organized across three operating brands: RCCAQ Formation (Broker 101/102 certification, on-site and pre-recorded web-based training in compliance, insurance techniques, law, and administration), RCCAQ Assurance (a captive insurance subsidiary distributing professional liability/E&O coverage through Swiss Re, D&O coverage through Intact, cyber-risk, legal assistance through Assistenza International, and premium financing through Primaco), and RCCAQ Innovation (digital transformation programming and the annual Sommet TeC technology summit). Auxiliary member services include group insurance and group RRSPs via Vigilis and Humania, electronic signature tools via eZsign, compliance audits via Faga Solutions' QFORMIT, recruitment via JobsMedia, and governance consulting via Vieira Conseil Action.

RCCAQ's business model is a community-led, membership-based GTM that monetizes across four streams: recurring annual membership dues from brokerage firms; recurring insurance product commissions and underwriting economics via RCCAQ Assurance; professional services revenue from training programs and certification; and licensing/royalty-style revenue from group benefit partnerships and tool discounts. Distribution is direct-to-member through the rccaq.com member portal and a public Find-a-Broker (Trouver un courtier) directory using Google Maps integration. The technology backbone consists of an Exware-powered association management platform, with operational integrations to PairConnex for event management, eZsign for e-signature, QFORMIT for compliance, and JobsMedia for recruitment. Marketing relies on the bilingual website, the Informateur blog/newsletter, LinkedIn (RCCAQ Innovation), annual events (52nd Congress 2025, TeC 2026, golf tournament, HR summit), and partner co-marketing. RCCAQ is governed by a Board of Directors representing five Quebec regions; current president is Lucie Fréchette (2024–present), and general director is Éric Manseau. A wholly-owned subsidiary, RCCAQ Assurance, executes the insurance distribution strategy and completed the Pistagnesi-Doyon professional liability portfolio acquisition in March 2022.

Name

Regroupement des cabinets de courtage d’assurance du Québec

Legal name

Regroupement des cabinets de courtage d'assurance du Québec

Website

https://rccaq.com

Company type

Private

Founded year

1973

Operating status

Operating

Headcount range

1–10 employees

Short description

RCCAQ is a Quebec nonprofit professional association founded in 1973 that represents 300+ damage insurance brokerage firms and 4,200+ brokers. It delivers advocacy, certification training, captive insurance products, group benefits, and technology partnerships through member firms.

Ownership category

akta.pro rank

Headquarters

HQ city

Longueuil

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Membership dues: Annual membership fees for brokerage firms and brokers in Quebec
2. Insurance products: E&O insurance, D&O insurance, cyber-risk insurance, legal assistance, and premium financing offered to member firms
3. Training programs: Broker 101, Broker 102, compliance training, and professional development courses
4. Group insurance and RRSP: Multi-employer group insurance and group RRSP plans through Vigilis partnership

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

RCCAQ is a non-profit professional association that represents Quebec-based damage insurance brokerage firms before regulators and industry stakeholders. It delivers broker certification and continuing-education training through its RCCAQ Formation division, and distributes member-exclusive insurance products (E&O, D&O, cyber-risk, legal assistance, premium financing) through its RCCAQ Assurance subsidiary. The association also negotiates group insurance and group RRSP plans via Vigilis and provides networking, advocacy, and professional development services through events such as its Annual Congress, Golf Tournament, and TeC Innovation Summit.

Product overview

RCCAQ offers a unified platform combining member representation, professional training, and proprietary insurance products. The core offerings include: (1) RCCAQ Formation - comprehensive training programs including Broker 101/102 certification, on-site training, and pre-recorded web courses covering insurance techniques, compliance, and business management; (2) RCCAQ Assurance - a suite of insurance products developed for member brokerages including professional liability (E&O), directors and officers, cyber-risk, legal assistance, and premium financing, underwritten through Swiss Re, Intact Insurance, Assistenza International, and Primaco partnerships; (3) a broker locator tool with Google Maps integration; and (4) partner products including Vigilis group insurance/RRSP, eZsign electronic signatures, JobsMedia recruitment platform, and FAGA QFORMIT compliance audits. RCCAQ Innovation drives digital transformation through its annual TeC Summit focused on AI and technology solutions.

Differentiator

Problem solved

Functional benefit

Brands

• RCCAQ Assurance: Insurance subsidiary offering professional liability insurance, directors and officers liability insurance, cyber-risk insurance, legal assistance, and premium financing products exclusively for member brokerage firms.
• RCCAQ Formation
• RCCAQ Innovation
• Relève Courtier Québec
• Bipper

Products and services

• RCCAQ Formation (Broker Certification and Training) RCCAQ Formation is the association's training division delivering broker certification (Broker 101 and 102), on-site firm training, pre-recorded web-based courses, and continuing education in insurance techniques, compliance, administration, and law. The offering is targeted at Quebec insurance brokers and member brokerage firm employees.
• RCCAQ Assurance - Professional Liability (E&O) Insurance Errors and omissions insurance specifically designed for member brokerage firms, providing extensive coverage and loss-prevention seminars through RCCAQ Assurance. Distributed exclusively to members through the association's insurance subsidiary.
• RCCAQ Assurance - Directors and Officers (D&O) Liability Insurance D&O liability insurance for leadership at member brokerage firms, provided in partnership with Intact Insurance and distributed through RCCAQ Assurance exclusively to member firms.
• RCCAQ Assurance - Cyber-Risk Insurance Cyber-risk insurance coverage for member brokerage firms, addressing digital threats and data breach exposure. Sold through RCCAQ Assurance as a member-exclusive product.
• RCCAQ Assurance - Legal Assistance Service Legal assistance service available to member firms, providing professional legal support in connection with their insurance coverage. Delivered via RCCAQ Assurance in partnership with Assistenza International.
• RCCAQ Assurance - Insurance Premium Financing Flexible payment financing for insurance premiums, distributed through RCCAQ Assurance in partnership with Primaco to enable member firms to spread premium costs.
• Vigilis Group Insurance (Health, Dental, Life, Disability, Critical Illness) Group insurance products including health, dental, life, disability, and critical illness coverage offered to employees of member firms. Operated as a multi-employer plan through partnership with Vigilis and Humania that shares risks across participating employers.
• Vigilis Group RRSP (REER collectif) Group registered retirement savings plan for employees of member brokerage firms, with access to a curated slate of fund managers, guaranteed investment options, and 25 mutual funds. Offered through the Vigilis partnership.
• Vigilis Business Insurance for Brokerages Business insurance products including partnership insurance, key person insurance, and overhead expense insurance tailored to Quebec brokerage firms. Offered through the Vigilis partnership.
• Find a Broker (Trouver un courtier) Directory Public broker locator tool with Google Maps integration that allows consumers to search for RCCAQ member brokerage firms across Quebec by city or postal code within a 50km radius.

Quantifiable outcome

• $3.7 million in digital transformation funding obtained from Quebec Ministry of Economy and Innovation (2022)

Named customers2 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Swiss Re - Succursale canadiennecoreTechnology or IntegrationSwiss Re serves as the insurance partner for RCCAQ's professional liability (errors and omissions) insurance products offered to member brokerage firms. Provides extensive coverage and loss prevention seminars.
• Intact AssurancecoreTechnology or IntegrationIntact Insurance is the partner for directors and officers (D&O) liability insurance offered through RCCAQ Insurance to member firms.
• VigiliscoreStrategic or Co-development PartnerVigilis is a key partner offering group insurance (health, dental, life, disability, critical illness), group RRSPs, and business insurance products to member firms through multi-employer plans. Partners with Humania for group insurance.
• eZsigncoreStrategic or Co-development PartnereZsign provides electronic signature technology to member firms with 15% discount on Business account levels. Aims to modernize the damage insurance brokerage sector with simple, compliant, and efficient electronic signature solutions.
• Faga SolutionscoreStrategic or Co-development PartnerFaga Solutions provides expertise in business sales, acquisitions, and succession planning for member firms. Also offers compliance tools including QFORMIT web audit platform for insurance brokerages. Has participated in transactions totaling $310 million in volume.
• JobsMediaminorGTM or Marketing PartnerJobsMedia provides a dedicated job posting platform for the insurance brokerage industry with preferential pricing for RCCAQ members. Includes Enroll Talent candidate management software and distribution across 13 partner sites including LinkedIn, Google, and Monster.
• Vieira Conseil ActioncoreImplementation/ SI/ Consulting PartnerVieira Conseil Action provides governance and performance optimization consulting services to member firms, analyzing current practices and identifying optimization opportunities for sound governance and good management practices.
• IBAC (Insurance Brokers Association of Canada) / ACACcoreStrategic or Co-development PartnerRCCAQ is a member of IBAC, the national voice of damage insurance brokers representing 11 provincial and regional associations and 30,000+ brokers across Canada. Members access the national Bipper advertising campaign and trademark.
• HumaniacoreTechnology or IntegrationHumania provides group insurance products offered through Vigilis to member firms as part of the multi-employer group insurance plan.
• CemiarminorGTM or Marketing PartnerCemiar serves as the main sponsor for the 2026 TeC Innovation Summit organized by RCCAQ Innovation.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Insurance Brokers Association of Canada (IBAC / ACAC): National federation of which RCCAQ is a member; represents 30,000+ P&C insurance brokers across Canada through 11 provincial and regional associations. Direct comparable in mandate (advocacy, training, broker promotion) but operates at the national umbrella level rather than the provincial level.
• Insurance Bureau of Canada (IBC): National industry association representing private P&C insurers in Canada. Adjacent rather than direct since IBC represents carriers while RCCAQ represents brokers, but both lobby provincial regulators and shape Canadian P&C distribution policy.

Others

• Canadian Insurance Services Regulatory Organizations (CISRO): Coordination body for Canadian insurance regulators across provinces. Adjacent to RCCAQ's regulatory engagement with the AMF; relevant context for how Quebec's broker regulation evolves and how RCCAQ's representational mandate fits into the national regulatory landscape.
• National Association of Insurance Commissioners (NAIC): U.S. state-level insurance regulators' association. Not a direct competitor but a structural analog: an association whose representational and rule-setting role supports the regulatory environment in which broker associations like RCCAQ operate. Useful reference for the regulatory-association business model.
• Autorité des marchés financiers (AMF): Quebec's financial markets regulator overseeing insurance distribution, including damage insurance brokers. Not a peer in a commercial sense but the regulator that grants RCCAQ much of its representational legitimacy and that brokers must comply with. Central counterparty in the value chain RCCAQ serves.

Direct peers

• Insurance Brokers Association of Ontario (IBAO): Ontario's provincial association for P&C insurance brokers; provides advocacy, education, and member services in the same way RCCAQ does for Quebec. Closest structural peer given the same mandate, similar revenue model (dues + training + events), and parallel regulatory relationship with Ontario's FSRA.
• Insurance Institute of Canada (IIC): National body providing professional designation programs (CIP, CRM) for Canadian insurance practitioners. Overlaps with RCCAQ Formation in training and certification, though IIC covers both P&C and life & health across all provinces. Comparable in membership-association model and education revenue stream.
• Chambre de l'assurance de dommages (ChAD): Quebec's self-regulatory organization for damage insurance professionals, established under Quebec law and overseen by the AMF. While RCCAQ advocates for brokerage firms, ChAD regulates individual brokers and agents. Direct ecosystem peer operating in the same Quebec regulatory and P&C brokerage space.
• Insurance Brokers Association of Alberta (IBAA): Alberta's provincial P&C insurance broker association providing advocacy, education, and member services. Same mandate and structure as RCCAQ, just operating in a different province. Comparable membership-based funding model and provincial regulatory engagement.
• Insurance Brokers Association of Manitoba (IBAM): Manitoba's provincial association for P&C insurance brokers; offers continuing education, advocacy, and member benefits analogous to RCCAQ's service portfolio. Direct provincial-level peer within the IBAC federation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/rccaq
• Xx.com/rccaq
• Facebookfacebook.com/RCCAQ

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries1 record

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 Regroupement des cabinets de courtage d’assurance du Québec