
MEKHAEL
Insurance & Financial Services

Commercial Insurance
As an independent advisory firm, we don’t just sell policies, we engineer resilience.Our experts provide a sophisticated deep dive into high-value property portfolios and complex business exposures. We craft bespoke risk management solutions designed to safeguard your real estate assets, corporate operations, and long-term capital.
Private Client Insurance
Leveraging privileged market access and a dedicated private brokerage team, we provide a personalized approach to protecting your home, valuables, and personal liability. We secure the things that matter most with discretion and precision.


Life and Group Insurance
Our specialists design strategic life insurance frameworks (including Term, Universal, and Whole Life) to protect your family and enrich your estate. Additionally, we build cost-effective group benefit plans that empower your workforce.
Expert Insight
We believe the best insurance claim is the one that never happens. That’s why we use this space to share what we know about preventing losses and managing risks. We provide straightforward advice based on decades of real-world experience.
Industries Served
Our clients come from a variety of different industry sectors. We help companies control risks and understand their risk exposures. We offer our clients an expertise and knowledge to assess and control their overall cost of risk.
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MEKHAEL
Complaint Handling
Mekhael is committed to handling all client complaints fairly, transparently, and efficiently. If you are dissatisfied with our services, you may file a complaint by contacting our company.
How to File a Complaint
Complaints may be submitted through any of the following channels:
Email: [email protected]
Phone: (514) 360-8800
Mail: 999 Boul. De Maisonneuve O, Suite 715
Montréal, QC H3A 3L4
Complaint Handling Process
Complaints may be submitted verbally or in writing. Verbal complaints will be recorded and confirmed in writing as part of the formal complaint process.Your complaint is acknowledged within 10 calendar days, including a reference number.Your complaint is reviewed and analyzed.We aim to provide a written response within a reasonable timeframe, generally not exceeding 60 calendar days, depending on complexity.
External Recourse
If you are not satisfied with our response or the handling of your complaint, you may request that your complaint file be transferred to the Autorité des marchés financiers for review under its complaint examination process.Upon request, your file will be transferred in accordance with applicable regulatory requirements.
The AMF may review the file and assist in resolving disputes between clients and financial firms.Our full Complaint Handling Policy is available upon request. Please contact our office and we will provide a copy.
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MEKHAEL
Insurance Types
Commercial
Your business is your most significant asset, we ensure it stays protected against the unpredictable. We provide a robust suite of commercial solutions: from core property and third-party liability to business interruption and personnel risk management.We manage risk across two primary pillars:
➤ Institutional-Scale Real Estate: Providing comprehensive risk and insurance strategies for large-scale property portfolios and complex multi-asset environments.
➤ Corporate Operations: Developing customized solutions to identify, mitigate, and manage enterprise-wide exposures while protecting core business assets.For organizations with specialized exposures, we offer precision-engineered coverages including:
➤ Executive Protection: Directors’ & Officers’ (D&O) Liability
➤ Professional Indemnity: Tailored Errors & Omissions (E&O) Coverage
➤ Specialized Logistics: Marine and Cargo Insurance
➤ Cyber Resilience: Protection Against Evolving Digital Threats
Private
True financial security requires looking beyond basic policies. We design property and casualty solutions that mitigate the specific risks facing high-profile individuals and families.Our approach focuses on preserving your wealth and lifestyle by shielding you from liability and asset loss. From high-value home and automobile coverage to identity theft protection and personal umbrella liability, we provide a safety net that adapts to your evolving financial landscape.
Life
Life insurance is a vital pillar of a tax-efficient financial plan. We help you navigate the complexities of Term, Universal, and Whole Life products to create a secure, non-taxable foundation for your beneficiaries. Whether the goal is debt protection, estate liquidity, or family security, we ensure your legacy remains intact.
Group
Attract and retain top talent with competitive, cost-effective benefit programs. We design collective protection plans that provide your employees with superior health, dental, and life coverage at a significantly lower cost than individual private insurance. By prioritizing the well-being of your team, you strengthen the foundation of your business.
Insurers & Markets We Do Business With
We offer insurance products through a range of licensed insurers and underwriting markets. Depending on product type, underwriting eligibility, risk characteristics, and market availability, our insurer partners may include:➤ Insurance Companies
➤ Chubb Insurance Company of Canada
➤ Intact Insurance Company
➤ Markel Insurance Company of Canada
➤ Affiliated FM Insurance Company
➤ Lloyd's Underwriters
➤ Aviva Canada Inc
➤ Zurich Insurance Company Ltd.
➤ Definity Insurance Company
➤ L'Unique Assurances Générales Inc.
➤ Promutuel Assurance
➤ Northbridge General Insurance Corporation
➤ Trisura Guarantee Insurance Company
➤ Tokio Marine Canada Ltd.
➤ Specialty Markets and MGA Partners
To access specialized insurance solutions and hard-to-place risks, we may place business through selected Managing General Agencies (MGAs), wholesale brokers, and underwriting agencies, including:➤ Totten Insurance Group Inc.
➤ CHES Special Risks Inc.
➤ Burns & Wilcox Canada, ULC
➤ Premier Canada Assurance Managers Ltd.
➤ South Western Insurance Group Limited
➤ Pistagnesi-Doyon Inc.
➤ TSW Management Services Inc.
➤ Intergroupe Assurances Inc.
➤ Morin Elliott Associés Ltée.
➤ Strategic Underwriting Managers Inc.
➤ Revau Advanced Underwriting Inc.
➤ Mosaic Insurance
➤ Pacific Marine Underwriting Managers Ltd.
➤ Life, Group Insurance & Retirement Partners
We also access life insurance, group benefits, and retirement products through the following insurers:➤ Manulife
➤ Sun Life Financial
➤ Canada Life
➤ Desjardins Insurance
➤ Empire Life
➤ Beneva
➤ Industrial AllianceCoverage is ultimately underwritten by the insurer identified in the quotation, binder, certificate of insurance, or policy documents.
Brokerage Market Access Statement
Our brokerage maintains access to a broad range of insurance markets, including direct insurers, MGAs, wholesale brokers, and specialty underwriting facilities. This access enables us to seek appropriate insurance solutions for a variety of personal, commercial, and specialty risks.Recommendations are based on underwriting eligibility, market availability, insurer appetite, policy terms and conditions, and the specific needs and circumstances of each client.Important Notice
The insurers, MGAs, wholesale intermediaries, and underwriting markets listed on this page are provided for informational purposes only. This list is not exhaustive and may change from time to time as insurer relationships, underwriting arrangements, and market availability evolve. Not all insurers or markets are available for every product, risk, or client.Additional Information
A complete list of insurers with which the firm maintains contractual relationships is available upon request. Certain insurance markets may be accessed through Managing General Agencies (MGAs), wholesale brokers, or other authorized intermediaries.Ownership Disclosure
No financial institution, insurance company, or legal entity holds an interest representing more than 20% of the equity capital of our firm.Business Relationships
In the normal course of business, we maintain commercial relationships with insurers and other service providers.These relationships may include distribution agreements and other arrangements typical of the insurance industry.All recommendations made by our representatives are based on client needs and applicable regulatory obligations.
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MEKHAEL
Industries Served
Private Client
Bespoke Protection for Your Lifestyle.
Secure your most valuable assets with tailor-made coverage designed for the unique needs of high-net-worth individuals. From prestige auto and estates to collectibles and comprehensive liability, we leverage deep industry relationships to provide discreet, premium protection.
Real Estate
Safeguarding Your Portfolio.
Your real estate investments deserve more than a standard policy. We design strategic insurance programs that protect against operational risks and asset loss, ensuring your capital remains secure whether you manage a single commercial property or a diverse national portfolio.
Financial Institutions
Regulatory Precision & Professional Liability.
Navigate the complexities of NI 31-103 and evolving compliance standards with ease. We specialize in sophisticated insurance frameworks for financial entities, including Financial Institution Bonds and robust Errors & Omissions (E&O) coverage tailored to your firm’s specific risk profile.
Construction
Building with Confidence.
The construction industry demands a partner who understands the volatility of the job site. We provide the specialized risk management and project-specific security you need to stay protected from groundbreaking to completion, ensuring your projects stay on track and your liability is minimized.
Professionals
Expert Counsel for Modern Risks.
Protect your professional reputation and personal assets with a confidential, high-touch approach. We provide specialized guidance on essential modern coverages, including cybersecurity protection and enhanced civil liability, tailored to the unique demands of your practice.
Family Offices
Scalable Risk Management for Your Legacy.
As your business interests evolve, so must your protection. We partner with family offices to develop adaptive risk management plans that align with your long-term strategy—securing everything from emerging ventures to established subsidiaries under one cohesive framework.
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MEKHAEL
About Us
Mekhael was founded in 1990 with a simple goal: to build an independent firm where expertise and integrity come first. Over the past few years we've cultivated a team that has more than 55 years of collective experience, but our core hasn't changed. We remain a privately held brokerage that values deep analysis over quick transactions.We’ve seen the insurance industry evolve and lived through its challenges alongside our clients. We take a lot of pride in the heavy lifting: the research, the intricate program design, and the long-term relationships that come from being a steady hand in a changing market.
Our Team
- Anne Mary Mekhael | Co-Founder
- Amer Roufail | Senior Account Manager
- Marco Durante | Technical Service Representative
- Melissa D'Amico | Executive Assistant
Featured Articles
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MEKHAEL
Legal Disclosures
Legal Identification
Mekhael, registered with the Autorité des marchés financiers (AMF) as a damage insurance brokerage firm.
AMF Registration No.: 505218
Authorized sectors of practice in Quebec:
- Damage insurance brokerage
- Insurance of persons
- Group insurance of persons
- Financial planning
Privacy Policy (Law 25)
Protection of Personal Information
We are committed to protecting the confidentiality and security of personal information in accordance with Quebec’s Act respecting the protection of personal information in the private sector (Law 25).
We collect only the personal information necessary to provide insurance and financial services.Use of Personal Information
Personal information may be used for:
- Insurance quotes and underwriting
- Policy administration
- Claims support
- Client service and communication
- Regulatory complianceDisclosure of Personal Information
We may share personal information with:
- Insurance companies
- Service providers involved in policy administration
- Regulatory authorities where required by lawWe do not sell personal information.Retention and Security
Personal information is retained only as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.
Appropriate physical, administrative, and technological safeguards are in place to protect personal data.
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