Competition Bureau obtains court order to advance an investigation of Applied Systems

News release

November 16, 2023 – GATINEAU (Quebec), Competition Bureau

The Competition Bureau has obtained a court order to advance a civil investigation into alleged anti-competitive conduct by Applied Systems, Inc. and its affiliates (Applied Systems) including Applied Systems Canada Inc. (Applied Systems Canada). 

The order, granted by the Federal Court of Canada on November 14, 2023, requires Applied Systems Canada to produce records and written information that are relevant to the Bureau’s investigation.

The Bureau requires information to determine if the alleged conduct is harming competition in Canada’s insurance technology (insurtech) industry. This includes examining certain practices that may impede insurtech firms from supplying competing products and services to insurance brokerages and brokers in Canada.

The Bureau is investigating whether Applied Systems is engaging in conduct contrary to the restrictive trade practices provisions of the Competition Act, including the abuse of dominance provision.

There is no conclusion of wrongdoing at this time.

Quick facts

  • Insurtech firms provide specialized technology products and services to insurance brokerages and brokers including rating engines, broker interface software and broker management systems.

  • Abuse of dominance occurs when a dominant business (or a group of businesses) engages in activity that substantially lessens or prevents competition in a market.

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The Competition Bureau is an independent law enforcement agency that protects and promotes competition for the benefit of Canadian consumers and businesses. Competition drives lower prices and innovation while fueling economic growth.

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