Best Insurance Consulting Services in Canada

Canada Insurance Consultants

Canada’s insurance landscape is evolving fast. From digital-first brokers to benefit consultants who help scale-ups and established firms navigate complex risk, the need for trusted, independent insurance consulting has never been greater.

At Digital Reference, we believe in radical authenticity which means every recommendation here is research-driven, client-reviewed, and Canada-specific. This list doesn’t try to rank “the best” in order. Instead, it spotlights standout outsourced, part-time, fractional, and virtual insurance consulting providers that bring genuine value, fresh thinking, and proven expertise.

Methodology: How We Chose These Insurance Consultants

When we curate a list like this, we stick to a clear methodology:

• Research-driven: Every provider here has a track record of real, visible results backed by case studies, news mentions, or thought leadership.
• Client-reviewed: We look for positive, verifiable client testimonials—whether on LinkedIn, Google, or in sector-specific forums.
• Canada-based: Each provider must actively operate in Canada and serve Canadian clients. Many also work internationally, but their local presence matters.

The result? A list you can trust—no pay-to-play, no hidden placement fees, just real experts worth knowing.

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Core Insurance Solutions

🔗 Website: https://coreinsurance.ca/

What they do:
Core Insurance Solutions is known for offering tailored risk management consulting and insurance placement for commercial clients across Canada. They work with industries like manufacturing, construction, and professional services, often stepping in as a fractional risk officer or outsourced insurance department for mid-sized businesses.

Who they work with:
Core Insurance’s client base includes private corporations, owner-operated firms, and growing companies that need customized advice instead of cookie-cutter policies.

Operating model:
They emphasize transparency; clients know exactly how coverages are structured and what they’re paying for. Core uses a consultative, long-term approach rather than quick policy sales.

💡 Why they stand out:

• Deep focus on risk management frameworks, not just policy sales.
  
  
• Strong local connections with underwriters, enabling better rates.
  
  
• Trusted by clients for proactive annual reviews and cost savings.
  
  

Mark Parry, Founder, Core Insurance Solutions

🔗 LinkedIn: https://www.linkedin.com/in/mark-parry-42910a33/

Mark Parry’s career in commercial insurance spans two decades. Known for his meticulous approach to risk audits and policy design, he’s built Core Insurance into a boutique firm with a loyal following. Mark’s leadership style is hands-on: he prefers building long-term relationships over transactional sales. 

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NovaRisk Inc.

🔗 Website: https://novarisk.com/

What they do:
NovaRisk Inc. specializes in complex commercial insurance and risk advisory, with a reputation for tackling hard-to-place risks. They help clients in emerging tech, healthcare, and regulated industries get coverage that big brokerages often avoid.

Who they work with:
Fast-growing startups, regulated firms, and businesses with unique or high-risk profiles.

Operating model:
NovaRisk operates as a hybrid broker-consultant, blending traditional brokerage with deep-dive risk consulting, often as an outsourced partner for firms without an internal risk team.

💡 Why they stand out:

• Specialization in non-standard, niche coverage.
  
  
• Deep relationships with specialty insurers.
  
  
• Flexible virtual service for distributed teams across Canada.
  
  

Maz Moini, Founder, NovaRisk Inc.

🔗 LinkedIn: https://www.linkedin.com/in/maz-moini/

Maz Moini’s profile is all about tackling the “impossible.” With a background in underwriting and brokerage, he founded NovaRisk to help Canadian businesses access better insurance solutions in industries where others say “no.” Maz champions transparency and education; his LinkedIn feed regularly shares insights that demystify risk for founders

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Cameron & Associates Insurance Consultants

🔗 Website: https://cameronassociates.com/

What they do:
Cameron & Associates is one of Canada’s longest-standing independent insurance consulting firms. They’re not brokers; they’re strictly advisors helping clients optimize coverage and reduce premiums through unbiased market comparisons.

Who they work with:
Medium-to-large corporations, associations, and municipalities seeking independent audits or support for RFPs.

Operating model:
Their fee-based model eliminates commissions, and clients know advice is impartial.

💡 Why they stand out:

• Decades of industry presence and unmatched insurer network.
  
  
• Highly regarded for cost-containment strategies.
  
  
• Frequent speaker and contributor to industry best practices.
  
  

Jim Cameron, Founder, Cameron & Associates

🔗 LinkedIn: https://www.linkedin.com/in/jim-cameron-163a631/

Jim Cameron’s reputation as an insurance strategist spans 30+ years. He’s known for advocating for transparent consulting fees and has helped shape best practices in risk audits. Jim is sought-after for his boardroom presentations, where he breaks down complex insurance language with ease.

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True North Claims

🔗 Website: https://truenorthclaims.io/

What they do:
True North Claims focuses exclusively on claims advocacy, helping businesses navigate complex or disputed insurance claims. They act as an outsourced claims team, ensuring policyholders get fair settlements.

Who they work with:
SMEs, property developers, manufacturers, and any business facing high-stakes claims.

Operating model:
Fee-for-service and success-based models keep True North truly client-first.

💡 Why they stand out:

• Specialists in large, complex, or contested claims.
  
  
• Clear process frameworks for faster settlements.
  
  
• Proven track record saving clients millions in denied or underpaid claims.
  
  

Dale Stafford, Founder, True North Claims

🔗 LinkedIn: https://www.linkedin.com/in/dale-stafford-19211a50/

Dale Stafford has built a reputation as a relentless claims advocate. His background includes senior roles in major brokerages and loss adjusting firms. Dale’s practical, no-nonsense approach shows on his LinkedIn, where he shares real examples of settlements won and lessons learned

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Victor Woodhouse Benefits

🔗 Website: https://www.woodhouseinsurance.ca/

What they do:
Victor Woodhouse Benefits provides employee benefits consulting and group insurance advisory for Canadian employers. They’re known for designing cost-effective benefit plans that help attract and retain top talent.

Who they work with:
SMEs, non-profits, and professional associations across Ontario and beyond.

Operating model:
Boutique, high-touch service with a strong focus on education and plan customization.

💡 Why they stand out:

• Personalized plan designs, not off-the-shelf solutions.
  
  
• Deep ties with regional benefit providers.
  
  
• Clear communication and transparent fee structures.
  
  

Victor Woodhouse, Founder, Victor Woodhouse Benefits

🔗 LinkedIn: https://www.linkedin.com/in/victor-woodhouse/

Victor proves his passion for demystifying group benefits. With decades of experience, he’s known for helping employers understand how benefits fit into wider HR strategies. Clients praise Victor for being accessible and genuinely invested in their success.

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Perlinger Group Benefits Ltd.

🔗 Website: https://www.perlingergroupbenefits.com/

What they do:
Perlinger Group Benefits Ltd. is a trusted name in group benefits consulting, specializing in designing and administering flexible employee benefits plans for businesses across Western Canada. They help employers navigate cost pressures, legislative changes, and employee engagement challenges with clear, practical advice.

Who they work with:
Small to mid-sized businesses, agricultural organizations, and local associations, especially family-run firms looking for customized solutions.

Operating model:
They operate on a relationship-first basis, offering a mix of consulting, plan administration, and ongoing support. Their independent approach ensures they’re not tied to any one carrier.

💡 Why they stand out:

• More than 30 years of community-focused service in benefits consulting.
  
  
• Known for proactive plan reviews that control costs year over year.
  
  
• Deep expertise in benefits for rural businesses and agri-sector clients.
  
  

Joe Perlinger, Founder, Perlinger Group Benefits Ltd.

🔗 LinkedIn: https://www.linkedin.com/in/joe-perlinger-60a72a12

Joe Perlinger’s name is synonymous with personalized service in the Prairie provinces. A long-time benefits advisor and community leader, Joe built his firm around local relationships and transparent advice. His reputation reflects a practical, no-nonsense approach. Clients appreciate Joe’s ability to explain complex benefits decisions in clear, everyday language.

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Benefits Consulting Plus Inc.

🔗 Website: https://www.bcpbenefits.com/

What they do:
Benefits Consulting Plus Inc. (BCP Benefits) is an independent benefits advisory firm that works with Canadian employers to design sustainable, competitive group benefits programs. They focus heavily on data-driven plan design and benchmarking, helping clients maximize ROI on every benefit dollar.

Who they work with:
Private companies of all sizes, with a strong presence in British Columbia and Alberta.

Operating model:
BCP is fee-based, with full transparency on plan costs and commissions. They work closely with HR teams to create strategies aligned with company culture and growth goals.

💡 Why they stand out:

• Certified Financial Planner (CFP) expertise for holistic advice.
  
  
• Robust analytics tools for cost forecasting.
  
  
• High client retention thanks to proactive plan management.
  
  

Bryce Parisotto, Founder, Benefits Consulting Plus Inc.

🔗 LinkedIn: https://www.linkedin.com/in/bryce-parisotto-cfp-a2963924/

Bryce Parisotto’s LinkedIn showcases 20+ years of experience spanning benefits, group retirement, and financial planning. A Certified Financial Planner by trade, Bryce brings a unique lens to group benefits, one that combines employee wellness with fiscal discipline. He’s known for giving HR teams actionable insights rather than generic advice.

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Calow Benefits Group

🔗 Website: https://www.calowbenefits.com/

What they do:
Calow Benefits Group offers comprehensive group benefits consulting, pension plan support, and HR advisory services for employers looking to strengthen their employee value proposition. They have a strong reputation for helping growing businesses transition from basic plans to modern, competitive offerings.

Who they work with:
Small businesses scaling to mid-size, regional employers, and family enterprises primarily in Ontario.

Operating model:
Hands-on, with a strong emphasis on education, Doug and his team are known for workshops and one-on-one sessions with HR managers and business owners.

💡 Why they stand out:

• Clear, simple explanations for complex plan structures.
  
  
• Flexible consulting, one-time audits, or ongoing plan administration.
  
  
• Longstanding local presence with high client loyalty.
  
  

Doug Calow, Founder, Calow Benefits Group

🔗 LinkedIn: https://www.linkedin.com/in/doug-calow-1a057012/

Doug Calow’s approach to benefits consulting is rooted in accessibility and trust. His decades-long career shows a commitment to keeping benefits understandable and affordable. Doug’s LinkedIn highlights his passion for educating employers, whether they’re starting a plan for the first time or optimizing legacy programs.

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Cove Continuity Advisors Inc., Certified B Corp

🔗 Website: https://www.coveadvisors.com/

What they do:
Cove Continuity Advisors is a standout in the Canadian market for business continuity, succession planning, and insurance solutions with a strong sustainability lens. As a Certified B Corporation, they align their advisory work with environmental and social impact values rare in the insurance world.

Who they work with:
Entrepreneurs, business owners planning for succession, family enterprises, and mission-driven companies.

Operating model:
Cove blends classic insurance consulting with strategic continuity planning, helping owners protect their businesses while meeting sustainability goals.

💡 Why they stand out:

• B Corp certification proves a commitment to people and planet.
  
  
• Thought leadership on socially responsible insurance.
  
  
• Proven track record in succession and continuity for family businesses.
  
  

Bernie Geiss, Founder, Cove Continuity Advisors Inc.

🔗 LinkedIn: https://www.linkedin.com/in/berniegeiss/

Bernie Geiss is one of Canada’s best-known voices on values-based insurance consulting. He has proven decades of leadership in life insurance, continuity planning, and purpose-driven business advisory. Bernie is a frequent speaker on how business owners can align wealth protection with impact goals.

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Davis Benefits & Pensions Ltd.

🔗 Website: https://davisbenefits.ca/

What they do:
Davis Benefits & Pensions Ltd. provides comprehensive group benefits, pension, and retirement plan consulting for Canadian employers, with a strong focus on strategic planning and long-term cost management. They’re known for building sustainable, competitive packages that help companies attract top talent in tight labour markets.

Who they work with:
Medium to large employers, professional associations, and multi-site operations across Ontario and BC.

Operating model:
They take a team-based approach; clients get a dedicated advisor plus a support team for ongoing plan management and employee education.

💡 Why they stand out:

• Deep pension and retirement plan expertise, not just basic benefits.
  
  
• Long-term strategic partnerships, not transactional renewals.
  
  
• Well-respected for innovative cost-sharing plan designs.
  
  

Kirk Davis, President, Davis Benefits & Pensions Ltd.

🔗 LinkedIn: https://www.linkedin.com/in/kirkdavisbenefits/

Kirk Davis has grown Davis Benefits into a well-known name in Canadian employee benefits. His LinkedIn and public profiles highlight a passion for sustainable benefits planning and strategic HR partnerships. Kirk is recognized for fostering a team culture that puts client education first.

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Final Word from Digital Reference

If you’ve read this far, you know we mean it when we say radical authenticity matters. Canada’s best insurance consultants don’t hide behind industry jargon or push plans that don’t fit; they build trust through transparency, client-first frameworks, and long-term relationships.

At Digital Reference, we’re committed to shining a light on the real players doing real work. If you’re looking for a trusted benefits advisor, claims advocate, or independent insurance consultant, start with one of these standouts and feel confident you’re in good hands.

Stay tuned for more local, verified lists like this. Until then, here’s to risk managed wisely, benefits designed to retain talent, and insurance that works for you, not the other way around.

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