CVIS Canada

What CVIS Canada does

CVIS, Inc. (operating as CVIS Canada and through its VFIS of Canada division) is a Toronto-based, privately held specialty insurance provider founded in 1991. The company underwrites group insurance programs for Canadian fire departments (2,100+ clients) and municipalities (500+ clients), plus a complementary personal insurance line for individual firefighters and families. Its portfolio spans the Firefighter Accident & Sickness Program, the Members and Family Assistance Program (MFAP) delivered via Homewood Health, Health/Dental/Memorial, Group Life, Critical Illness, the Career Firefighter Cancer Program, Special Risk, and a Municipal Public Sector Program. Personal lines products include individual health & dental, travel, life, and the Firefighter Conversion Program, distributed via a virtual advisor platform at personal.my-benefits.ca.

The business runs on a recurring subscription/premium revenue model with two distinct go-to-market motions. Enterprise group insurance is sold through insurance brokers and direct municipal sales, supported by fact-finder forms, fax/email quote requests, and toll-free phone support. Personal insurance is offered through a self-serve online channel that routes prospects to a human financial planner via video communication. No proprietary technology stack, AI/ML capabilities, patents, or developer APIs are disclosed; the company operates on a standard WordPress website with PDF brochure distribution. There is no outside capital, parent company, or acquisition activity disclosed in the source material, and the company has been independently operating since 1991.

CVIS Canada's customer base is concentrated in the Canadian public safety vertical: career and volunteer fire departments, municipal employees, councillors, and volunteers. The business relies on long-tenured broker and municipal relationships, regulatory tailwinds from presumptive cancer legislation, and cross-sell from group to individual coverage through the Firefighter Conversion Program. The company reports no disclosed revenue, headcount, or funding data, and no recent M&A, leadership, or restructuring events are on record.

Name

CVIS Canada

Legal name

CVIS, INC.

Website

https://cviscanada.com

Company type

Private

Founded year

1991

Operating status

Operating

Short description

CVIS Canada (operating as VFIS of Canada) is a Toronto-based specialty insurer founded in 1991 that provides group and personal insurance programs to over 2,100 Canadian fire departments and 500 municipalities.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance Carriers and Related Activities (524)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Accident Medical Expense Insurance (Supplemental Accident) (FSAIALAE), Own-Occupation Specialty Disability Insurance (Professional Occupations) (FSAIAIAI)

Keywords

• Specialty insurance programs
• Firefighter insurance coverage
• Municipal public sector insurance
• Group accident sickness insurance
• Personal health dental insurance

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Group Insurance Premiums: Recurring insurance premiums collected from group policies covering fire departments, municipalities, and public sector organizations. Products include accident & sickness, health & dental, group life, and critical illness coverage.
2. Personal Insurance Premiums: Individual and family insurance products including health & dental, life insurance, personal accident, critical illness, and travel insurance sold directly to consumers through online platforms.
3. Special Risk Insurance: Customized insurance solutions for unique exposures including accidental death & dismemberment, occupational travel insurance, amateur sports, camps, entertainment, and non-profit organizations.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

CVIS Canada (operating through its VFIS of Canada division) provides specialty group and personal insurance programs for Canadian fire departments, municipalities, and individual clients. The company offers accident & sickness, health & dental, group life, critical illness, personal accident, travel, and special risk insurance products, with programs tailored to the occupational exposures of firefighters and municipal workers. Personal insurance is sold directly to consumers through a virtual advisor platform, while group coverage is distributed through brokers and direct municipal sales.

Product overview

CVIS Canada (Canadian Vehicle Insurance Services) is a specialty insurance provider, operating as VFIS of Canada, focused on serving Canadian fire departments and municipal public sector organizations since 1991. The company offers a portfolio of insurance products organized into two main categories: Group Insurance products including the Firefighter Accident & Sickness Program, Members and Family Assistance Program (MFAP), Health, Dental & Memorial Program, Group Life, Critical Illness Program, Special Risk Program, and Career Firefighter Cancer Program; and Personal Insurance products including Life/Personal Accident Insurance, Critical Illness, Travel Insurance, Personal Health & Dental, and the Firefighter Conversion Program. The company also provides a Municipal Public Sector Program covering over 500 municipalities. The portfolio is characterized by specialty coverage for first responders and municipal workers, with programs designed to fill gaps in traditional insurance coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Firefighter Accident & Sickness Program Primary insurance program for Canadian fire departments providing on-duty and off-duty accident and sickness coverage for career and volunteer firefighters, retirees, and their families.
• Members and Family Assistance Program (MFAP) Integrated employee assistance program delivered through partnership with Homewood Health, providing mental health support, counseling, and trauma care services for firefighters and their families.
• Health, Dental & Memorial (HD&M) Program Employee group-like benefits program for fire departments requiring 50% participation, including health and dental coverage plus up to $15,000 life insurance; terminates at age 70 or retirement with 2-year survivor benefits.
• Group Life Insurance Life insurance covering loss of life from any cause 24 hours a day, with coverage up to $100,000 without medical evidence for active plan members; reduces by 50% at age 65 and ends at age 70, with waiver of premium if totally disabled.
• Critical Illness Program Supplemental insurance providing lump sum payment upon diagnosis of critical illnesses including life-threatening cancer, heart attack, kidney failure, stroke, and coronary artery bypass graft; available in basic and comprehensive options.
• Special Risk Program Customized insurance coverage for unique risk exposures including accidental death & dismemberment, occupational travel insurance, amateur sports, camp accident, entertainment, hospital cash programs, and student accident insurance.
• Career Firefighter Cancer Program (CFCP) Program designed to fill the gap in coverage for retired career firefighters who develop cancers covered under Workers Compensation Board presumptive cancer legislation, helping eliminate municipal liability.
• Municipal Public Sector Program Comprehensive accident and out-of-province medical program insuring over 500 municipalities across Canada, providing benefits for councillors, municipal employees, and volunteers.
• Personal Insurance Individual insurance plans for self-employed individuals or those without comprehensive employer benefits, offering flexible affordable coverage purchased through a virtual advisor platform with plans effective the month following approval.
• Personal Health & Dental Individual health and dental plans with no waiting period, $5 million travel coverage, single/couple/family rates, and 24-hour coverage acceptance for non-medically underwritten plans; monthly premiums can be cancelled anytime.
• Travel Insurance Program Travel insurance covering emergency situations including health insurance, trip cancellation, lost baggage, flight accident, and accidental death and disability, offered for outbound Canadians, visitors to Canada, foreign students, and worldwide travelers.
• Firefighter Conversion Program (FCP) Program allowing former fire department members to convert their group benefits to individual plans, offering three program options at affordable rates with a simple online application process.
• Life Insurance and/or Personal Accident Insurance Individual life insurance and personal accident insurance products sold directly to consumers through the virtual advisor online platform at personal.my-benefits.ca.

Quantifiable outcome

• Over 2,100 fire departments insured across Canada
• +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

Partnerships

One partnership is on record.

• Homewood HealthcoreStrategic or Co-development PartnerCVIS, Inc. has partnered with Homewood Health to provide the Members and Family Assistance Program (MFAP). Homewood Health delivers an integrated Employee Assistance Program (EAP) approach ensuring consistent service levels across divisions and geographic regions. The MFAP philosophy focuses on improving quality of life for clients, members, their colleagues, and families through stress management and personal support services.

Scale indicators4 records

Recent moves1 record

Expansion highlights5 records

Broad incumbents

• Manulife Financial: One of Canada's largest group benefits and life/health carriers with municipal and public-sector group products that overlap with CVIS's municipal and group life offerings, though it is a broad portfolio player.
• Canada Life (Great-West Lifeco): Large Canadian group benefits provider with overlapping group life, health, dental, and critical illness offerings commonly procured by municipal and public-sector clients.
• Industrial Alliance (iA Financial Group): Canadian insurer with significant group benefits and individual insurance presence that competes for similar municipal group and personal accident/health/dental accounts.
• Sun Life Financial: Major Canadian group benefits and life carrier offering group health, dental, life, and critical illness products that compete with CVIS's group portfolio for municipal and large employer accounts.
• Desjardins Insurance: Quebec-rooted cooperative insurer offering group and personal insurance products across Canada, competing for the same municipal and individual health/dental segments as CVIS.
• Intact Financial Corporation: Canada's largest P&C insurer with growing specialty and group benefits capabilities; competes for municipal and specialty risk business that overlaps with CVIS's public-sector book.
• Beneva (mutual insurer): Large Canadian mutual insurer formed from the merger of SSQ, La Capitale, and others; offers group benefits and personal insurance lines comparable to CVIS's portfolio across Canada.

Regional players

• Wawanesa Insurance: Canadian-headquartered mutual insurer with P&C roots that has expanded into accident & health and special risk products; a domestic broad-line competitor to CVIS's specialty lines.

Emerging players

• GreenShield Canada: Canadian not-for-profit health and dental benefits provider with growing group and individual offerings that overlaps with CVIS's health & dental and supplemental insurance products.

Direct peers

• VFIS (Volunteer Firemen's Insurance Services, US): The US originator of the firefighter-specialty insurance model under the VFIS brand; CVIS operates VFIS of Canada as a division, making it the closest direct peer in product, target customer, and underwriting approach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 CVIS Canada