Family time

Since 1950 we have been helping clients to identify their insurance needs and provide them with the best value in personal and commercial insurance.

At Nicol Insurance we believe in protecting what matters to you most — your family, your home, your business; your lifestyle. We are a professional organization dedicated to providing insurance solutions at competitive pricing. Our firm is registered as a licensed insurance broker with the Registered Insurance Brokers of Ontario (RIBO). We act in the capacity of intermediary between the consumer (the buyer of insurance) and the insurer (insurance company accepting the risk), and as a result, earn commissions and/or fees payable by the insurer for providing this service.


We take the time to listen, understand and assess your insurance needs so that we can better protect your lifestyle. Our Brokers use their professional knowledge and experience to carefully shop the market and present you with your best insurance coverage, plus one of our representatives is always there to help in the event of a claim.

Having full-service offices throughout Grey, Bruce, Simcoe and Oxford counties, we can offer the best coverage available to a wide range of clients. Since our employees live and work in the communities we service, we can bring specialized knowledge and experience to our clients.

Organic Farmer Insurance

Our Mission

Our mission is to make our clients insurance needs easy to manage. Staying on the cutting edge of technology and giving them the option to do business when and how they choose will make this possible. We will also prove our value and build trust by exceeding service expectations and showing our clients they are always being treated truthfully and fairly.

Our Vision

The vision of Nicol Insurance is to be an industry leader as both a community and client-centric business. We will support those that help us succeed and work towards creating stability and trust with every decision we make.

In The Community

We live and work in the communities we serve so we’re eager to give back and participate in many local activities. We also sponsor a variety of minor league sports teams and assist several local organizations and charities. Our employees know this is part of our culture and we take pride in community stories like the ones listed below.

2023 In The Community

Happy New Years! On the doorstep of the new year, we are reflecting on the money staff has raised through raffles and donations where Nicol Insurance matched the funds to give back to our local communities. In 2023, we donated to food banks in each branch location: Woodstock, Mississauga, Orangeville,…

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What Our Clients Say

Our History

Staring in 1953, we’ve grown to include several offices and over 50 employees. Learn more about our history and growth below.
  • 2021

    Purchase of Grey Bruce Insurance

    This purchase strengthened our Group Benefits team— making us more equipped than ever to protect your employees.
  • 2019

    Purchase of Landry Mellow Insurance & James Washington Insurance

    In December of 2019, we grew the Nicol Insurance family— expanding our service area to include Orangeville and Mississauga.
  • 2013

    Carruthers Nicol becomes Nicol Insurance

    We’ve changed our name to Nicol Insurance because it more accurately represents our current leadership team.
  • 2003

    Purchase of McTavish Insurance

    The purchase of McTavish Insurance in 2003 allowed Nicol Insurance to move into the Grey Highlands community.
  • 2002

    Owen Sound Offices Merge

    We merged our previous two Owen Sound locations into our present day location, located in the downtown core of Owen Sound.
  • 2001

    Carruthers Nicol Opens in Kincardine

    Our Kincardine office opened with the purchase of MacKenzie Nicol Insurance Brokers.
  • 2000

    Carruthers and Nicol Merge

    Carruthers Insurance and Nicol Insurance merged to form Carruthers Nicol Insurance & Investments.
  • 1989

    Purchase of HE Janke Insurance Brokers

    In 1989, we grew again with the purchase of HE Janke Insurance Brokers’ book of business.
  • 1987

    Port Elgin Office Opened

    Carruthers Insurance opened a Port Elgin office with the acquisition of Mather & Vincent Insurance Brokers.
  • 1978

    Nicol Insurance Founded

    Nicol Insurance was founded by Robert F. Nicol (Bob Jr.) and run under the direction of Bob Jr. and Bob Sr. in Wiarton and Owen Sound. In 1981 Nicol Insurance expanded to the Port Elgin area.
  • 1953

    Carruthers Insurance Founded

    Carruthers Insurance Brokers was founded in Owen Sound by C.H. “Joe” Carruthers.