This term is the same as insurer or the insurance company.

The insurer can be a company that only sells insurance on-line, through call centres or through agents and brokers. Insurers include captive insurance companies and reinsurers. The insurer can be a local, provincial, regional, national or international company. The insurance companies are monitored by the provincial regulators.

Not all insurance companies have the same status. One way to check on the stability of a company is to check their AM Best rating. Talk to your broker or agent if you have any concerns.