Who We Are
At Western Coast Insurance Services, we’re more than an insurance provider — we’re your neighbours, your advisors, and your trusted partners in protection. With 29 branches serving communities across Vancouver Island and the Lower Mainland, our mission is simple: to help British Columbians feel confident, informed, and secure with insurance coverage that fits their lives.
Whether you’re looking to renew your ICBC Autoplan policy, protect your home or rental, or safeguard your small business, we’re here with the expertise, care, and consistency you deserve. We offer tailored personal and commercial insurance solutions with one goal in mind — peace of mind for you and your family, or for the business you’ve worked hard to build.
As a division of Western Financial Group since 2013, we’re backed by the strength of a national broker network — yet we remain proudly local. Our brokers live and work in the same communities we serve, and we know firsthand how important it is to have someone you trust guiding you through coverage decisions. That’s why our team is dedicated to delivering advice that’s personal, honest, and clear — not rushed or one-size-fits-all.
When you visit one of our branches, you’ll leave with more than a policy. You’ll walk away knowing your coverage, feeling confident in your choices, and knowing that your protection was built with care. Because we’re customers too, and that experience matters.
As innovators, we continuously work with leading market partners to improve our product offerings — from advanced payment flexibility to streamlined customer support — all to serve you better. And as active members of the communities we serve, we take pride in giving back through the Western Communities Foundation, our charitable initiative that supports local students, infrastructure, and community projects.
Western Coast Insurance Services — where professional insurance advice meets friendly, local service.
40
years caring for our customers
314
employees
29
locations
Over 40 Years of Dedicated Service
For over four decades, Western Coast Insurance Services has built a legacy rooted in personalized service, community connection, and professional insurance expertise. Originally founded as Coast Capital Insurance Services, we began with a simple but powerful mission: to help individuals and businesses in British Columbia protect what matters most.
In 2014, we proudly joined the Western Financial Group family, a trusted name in insurance across Canada. This transition marked a new chapter for our organization as we rebranded to Western Coast Insurance Services — uniting the local strength of Coast Capital with the national resources and stability of Western. While our name changed, our people, our commitment, and our purpose remained steadfast.
Our rebranding was more than a name update — it was a strategic evolution that allowed us to expand our product offerings, deepen our service capabilities, and reinforce our commitment to customers throughout B.C. The brokers you’ve trusted for years are still here, offering the same thoughtful advice, now backed by broader support and a stronger national network.
Today, we continue to serve British Columbians from Vancouver Island to the Lower Mainland and beyond, delivering tailored personal and business insurance solutions with the same local expertise that’s been the foundation of our success since day one. Whether you need ICBC coverage, home insurance, or a customized commercial policy for your business, you can count on us to guide you with knowledge, honesty, and care.
Personal Insurance Products
Our insurance experts help you protect what matters most — your home, your vehicle, your travels, and more. Whether you're commuting daily, exploring on the weekends, or planning your next adventure, we have the personal coverage that fits your lifestyle.
ICBC Autoplan Insurance
We make it easy to renew or update your ICBC Autoplan coverage. Our team ensures you have the right vehicle insurance to meet British Columbia’s legal requirements — with options that reflect how, when, and where you drive.
Home Insurance
Protect your home and everything in it from the unexpected. Our home insurance covers fire, theft, water damage, and more — tailored to your property and your peace of mind.
Tenant Insurance
Renting your home? Tenant insurance protects your belongings and provides personal liability coverage in case of accidents or damage, whether you're in a condo, basement suite, or apartment.
Condo Insurance
Our condo insurance policies fill the gap between your strata’s building coverage and your personal liability, contents, and unit improvements — because no two units (or owners) are the same.
Motorcycle Insurance
Enjoy the open road with confidence. We’ll help you insure your motorcycle for seasonal or year-round riding, with coverage for liability, theft, collision, and accessories.
Boat Insurance
Our boat insurance policies protect you on and off the water — covering physical damage, liability, and equipment whether you're cruising the coast or mooring at the marina.
RV Insurance
From camper vans to motorhomes, our RV insurance keeps your adventures safe with protection for your vehicle, its contents, and seasonal use, including optional roadside assistance.
Travel Insurance
Heading across the province, the border, or overseas? Our travel insurance, in partnership with TuGo, provides emergency medical coverage, trip cancellation, baggage loss, and more.
Business Insurance Solutions
We understand the risks that businesses face in today’s world — from property damage and cyber threats to liability and financial loss. Our advisors work with you to build custom coverage that keeps your operations protected and compliant.
Commercial General Liability (CGL)
CGL insurance helps protect your business from third-party claims involving bodily injury or property damage. Whether you're a contractor, consultant, or retailer, this foundational coverage shields your company from costly legal claims and liability risks.
Commercial Property Insurance
Commercial Property Insurance protects your business's physical assets — including buildings, inventory, furnishings, and equipment — against fire, vandalism, theft, and other risks. Whether you lease or own, this coverage ensures business continuity after unexpected losses.
Errors and Omissions (E&O) Insurance
If your business offers advice, consulting, or professional services, E&O insurance protects you from claims of negligence, failure to perform, or mistakes. It's a must-have for consultants, service providers, and professionals across many industries.
Construction Insurance
Our Construction Insurance covers your business through every phase of a build — from job site liability to tools, equipment, and employee safety. Whether you’re a general contractor or a tradesperson, we’ll help you stay protected and compliant on every project.
Cyber Insurance
Cyber Insurance protects your business from digital threats such as ransomware, data breaches, phishing, and cyberattacks. Coverage includes recovery costs, client notification, legal expenses, and even reputation management after a breach.
Garden Centre Insurance
Specially designed for nurseries and garden retailers, this insurance provides property, inventory, and seasonal risk protection — including greenhouse structures, equipment, and commercial liability tailored to your unique business environment.
Commercial Auto Insurance
If your business relies on vehicles for delivery, transport, or on-site service, commercial auto insurance is essential. We provide coverage for individual vehicles or entire fleets, protecting against damage, liability, cargo loss, and more.
Support our Foundation
The Western Communities Foundation, the charitable arm of Western Coast Insurance Services, has raised over $5 million since 2002 to support local communities. The Foundation’s core donation programs include community Infrastructure Grants, the Western Inspirational Award for graduating high school students and community projects through our matching grant and goal achiever programs.
Our values
Truthfulness
It is the foundation of our business. We believe that frank, accurate, and honest communication is always in everyone's best interest.
Fairness
We are advocates for our customers and the trusted representatives of our suppliers. Our credibility rests on our determination to see that everyone gets what they deserve.
Value
We believe that nobody owes us a living. Our skills and knowledge must generate meaningful, positive results for all customers, stakeholders and our people. We will strive to be the best we can be.
Loyalty
We place our faith in long-term relationships, through thick and thin. We support our communities.
Join the team today
It's not just a job; it's the start of a career. Employment
opportunities across the Western network await.
Please be advised that Canadian companies have been affected by recruitment fraud. Individuals posing as recruiters may request personal or financial information via unsolicited employment offers. These are not legitimate Western Coast Insurance Services job offers and are fraudulent in nature. Under no circumstances would Western Financial Group and its divisions request new hires submit sensitive or private details via email. Postings accessed through westerncoastinsurance.ca/About-Us are lawful and authorized.
Western Coast Insurance Services Ltd. is a wholly owned division of Western Financial Group Ltd. Insurance products are underwritten by certain licensed insurance companies and are only available throughout British Columbia, Canada.