Tremblay Cantin Assurances

What Tremblay Cantin Assurances does

Tremblay Cantin Assurances is a privately held insurance brokerage headquartered in Alma, Quebec, operating seven branches across the Saguenay-Lac-Saint-Jean region with approximately 115 employees. The firm resulted from the merger of two regional brokerages, Tremblay Assurances and Cantin Gagnon Assurances, and has combined operating history of roughly 60 years. It brokers personal lines (automobile, home, ATV, snowmobile, motorcycle, boat, RV, travel trailer), commercial lines (agriculture, contractors and surety bonds, SMEs, cyber-risk, retailers, transporters, commercial vehicles), and specialized coverage (event, landlord, forestry equipment, vacant building, pollution, E&O, legal expense, umbrella), as well as group insurance programs for APCHQ and ACQ association members.

The business model is commission-based brokerage revenue, anchored by a primary carrier relationship with Intact Assurance (with financial linkage through 3662578 Canada Inc.) and supplemented by L'Unique Assurances générales and Economical. Distribution runs through in-person consultations at branch locations, phone-based quoting (toll-free 1-833-548-1313), online quote request forms, and a content/blog hub, with policy self-service via Intact's client portal. The firm monetizes by placing policies with carriers and earning commissions, with quote-based pricing that incorporates bundling discounts such as Assurance Synchro (up to 15% on combined auto/home). Customer segments are distributed across individuals, families, SMEs, and association members, with no enterprise anchor accounts or institutional investors indicated.

Name

Tremblay Cantin Assurances

Legal name

Tremblay Cantin Assurances Inc.

Website

https://cantingagnon.ca

Company type

Private

Operating status

Operating

Short description

Tremblay Cantin Assurances is a privately held Quebec insurance brokerage operating seven branches in Saguenay-Lac-Saint-Jean with ~115 employees, brokering personal, commercial, agricultural, cyber-risk, and group insurance primarily through Intact Assurance and serving individuals, SMEs, and construction association members.

Ownership category

akta.pro rank

Headquarters

HQ city

Alma

HQ country

Canada

HQ region

North America

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Insurance Brokerage Commissions: Tremblay Cantin Assurances earns commissions from insurance policy placements across multiple insurance carriers including Intact Assurance, L'Unique Assurances générales, and Economical. The brokerage primarily works with Intact Assurance for personal insurance and maintains financial links with Intact through 3662578 Canada Inc.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

No source-backed information available to describe the company's core offerings.

Product overview

Tremblay Cantin Assurances is an insurance brokerage serving the Saguenay–Lac-Saint-Jean region of Quebec, offering a comprehensive portfolio of personal and commercial insurance products. The company provides personal lines including automobile, habitation (home), VTT (ATV), motoneige (snowmobile), motorcycle, boat, motorisé (RV), and caravans/roulottes (travel trailers), as well as commercial insurance for agriculture, contractors/surety bonds, PME (SMEs), retailers, cyber-risks, transporters, and commercial vehicles. The portfolio includes specialized products (event, landlord, forestry equipment, vacant buildings, pollution, E&O, legal expense, umbrella) and group insurance for APCHQ members. Several branded programs (Mon VTT et moi, Ma motoneige et moi, Ma moto et moi, Mon VR et moi, Assurance SynchroMD, Fadoq LibrEspace) are offered through their primary insurer partner Intact Assurance, alongside standard insurance products.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Bundle discounts of up to 15% when combining auto and home insurance
• +1 more outcomes

Named customers2 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and secondary.

• Intact AssurancecoreChannel Partner/ Reseller/ DistributorPrimary insurance partner for personal insurance products. Tremblay Cantin Assurances places the majority of personal insurance policies with Intact. The company has financial links with Intact through 3662578 Canada Inc. They offer Intact-specific programs including Ma conduite app, Assurance Synchro, and brand-specific programs (Mon VTT et moi, Ma motoneige et moi, Ma moto et moi, Mon VR et moi).
• L'Unique Assurances généralessecondaryChannel Partner/ Reseller/ DistributorSecondary insurance partner providing additional coverage options alongside Intact Assurance.
• EconomicalsecondaryChannel Partner/ Reseller/ DistributorInsurance partner providing additional coverage options and competitive pricing alternatives for clients.
• APCHQ (Association des professionnels de la construction et de l'habitation du Québec)coreGTM or Marketing PartnerExclusive group insurance program partnership with APCHQ Saguenay-Côte-Nord and Lac Saint-Jean chapters. Members receive advantages including reduced deductibles, elimination of deductible for hit-and-run or total loss, Intact Assistance services, 24/7 claims service, and potential savings up to 15% on home insurance through Assurance Synchro.
• ACQ (Association de la construction du Québec)coreGTM or Marketing PartnerPartnership offering exclusive group insurance programs to ACQ members with benefits and discounts similar to APCHQ partnership.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Lussier Dale Parizeau: A Quebec-based multi-branch insurance brokerage offering personal and commercial lines across multiple regions of Quebec. Highly comparable to Tremblay Cantin in size, regional multi-branch distribution model, carrier relationships (Intact included), and product breadth including commercial and specialty lines.
• BrokerLink: One of Canada's largest retail insurance brokerages with dense multi-branch network across multiple provinces, including Quebec. Directly comparable multi-branch brokerage model, personal/commercial mix, and reliance on carrier commission revenue.
• Westland Insurance Group: Large Canadian retail brokerage with broad personal and commercial lines, active in Quebec and other provinces. Comparable brokerage commission model, regional branch density, and acquisition-driven growth strategy relevant to consolidation thesis.
• BFL Canada: Canadian specialty insurance brokerage with strong Quebec presence serving commercial and specialty lines including surety, cyber, and construction. Comparable on commercial/specialty mix and contractor-surety product overlap with Tremblay Cantin's entrepreneur/surety offering.

Broad incumbents

• Hub International: Major North American insurance brokerage with Canadian operations including Quebec. Comparable commercial and personal brokerage model, but operates at national scale with broader product and risk-management capabilities than Tremblay Cantin.
• Marsh Canada: Global brokerage's Canadian arm serving mid-to-large commercial clients with risk advisory, commercial lines, and specialty insurance. Comparable on commercial broker model but addresses larger enterprise clients than Tremblay Cantin's SMB focus.
• Intact Financial Corporation: Canada's largest P&C insurer and Tremblay Cantin's primary carrier partner. Comparable insurance distribution economics from the carrier side, and Tremblay Cantin's financial linkage to Intact via 3662578 Canada Inc. makes Intact both a partner and a structural reference point for valuation.
• Desjardins General Insurance Group: Quebec-headquartered insurer with direct distribution and affinity programs. Comparable Quebec market footprint and overlap with Tremblay Cantin's personal/commercial lines, though Desjardins is also a carrier rather than a pure broker.

Regional players

• Groupe Ultima: Quebec-based insurance cooperative grouping regional brokerages in western Quebec. Operates a similar regional brokerages-of-brokers model in overlapping Quebec territory, with comparable reliance on regional carrier relationships.

Emerging players

• Belairdirect: Intact's direct-to-consumer insurance brand competing for the same personal auto and home customers Tremblay Cantin serves via brokers. Relevant as the structural threat to traditional brokerage value capture in personal lines, even though it does not directly employ brokers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/groupe-cantin-gagnon

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 Tremblay Cantin Assurances