Nicol Insurance Today.

Nicol Insurance Inc. is a professional organization dedicated to providing insurance solutions made available to our clientele 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 or client for providing this service.
We specialize in providing personal and commercial lines of property and casualty insurance.
With a history of providing outstanding service and assistance to our customers, we have established a base of customer referrals as a major source of our business. In addition, our insurance companies with whom we conduct business recognize our efforts beyond just selling their products. As a result Nicol Insurance is both recognized and distinguished as a top performer with our clients and companies.
As we approach the future, our success will continue to depend on our combined efforts to provide our clients with service, technical competence and to maintain the highest level of integrity and professionalism. Fulfilling these objectives requires commitment on the part of each of us.
  • 1950: Carruthers Insurance Founded

    Carruthers Insurance Brokers was founded in Owen Sound by C.H. “Joe” Carruthers.
  • 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.
  • 1987: Port Elgin Office Opened

    Carruthers Insurance opened a Port Elgin office with the acquisition of Mather & Vincent Insurance Brokers. In 1989 grew again with the purchase of H E Janke Insurance Brokers book of business.
  • 2000: Carruthers & Nicol Merge

    Carruthers Insurance and Nicol Insurance merged to form Carruthers Nicol Insurance & Investments.
  • 2001: Carruthers Nicol Opens in Kincardine

    Our Kincardine office opened with the purchase of MacKenzie Nicol Insurance Brokers.
  • 2002: Owen Sound Offices Merge

    We merged our previous 2 Owen Sound locations into our present day location located in the downtown core of Owen Sound.
  • 2013: Carruthers Nicol becomes Nicol Insurance

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