# Sonnet Insurance > Canada's first fully online home and auto insurance carrier with a tech\-forward, digital\-first platform backed by 150 years of industry experience\. ## At a glance | Field | Value | | --- | --- | | Type | Carrier | | Region | NA | | Headquarters | Toronto/Waterloo, Ontario, Canada | | Founded | 2016 | | Employees | 201-500 | ## Overview Sonnet Insurance is a direct-to-consumer home and auto insurance carrier licensed across seven Canadian provinces (Alberta, British Columbia, Ontario, Quebec, New Brunswick, Nova Scotia, and Prince Edward Island). Founded in 2016 as a digital-first subsidiary of Definity Insurance, Sonnet operates an online-only distribution model with no agent network, managing all quoting, purchasing, and policy administration through web and mobile channels. The company is built on Guidewire technology and emphasizes transparent pricing through intelligent analytics and simplified underwriting processes. Sonnet's operational approach centers on digital customer experience and cost efficiency. The company offers telematics-driven pricing through its Sonnet Shift program, rewards safe driving behavior with discounts up to 35 percent, and provides 24/7 online policy management and claims support. Its customer base includes approximately 600 claims team members and reports serving 64,000 hours of support annually. The company received the Guidewire Innovation Award for its technology implementation. Sonnet is fully owned by Definity Financial Corporation, a larger Canadian insurance holding company with 150 years of combined underwriting history. This capital structure provides regulatory backing and long-term stability while maintaining independent digital operations and marketing. The company reported in 2024-2026 surveys that 53 percent of Ontario auto customers realized savings compared to incumbent carriers, averaging USD 722 annually. ## Links - Website: - Directory profile: - Blog: - Support: - Linkedin: - News & press: --- *Last updated: 2026\-06\-17*