Insurance FAQ’s Every Post Secondary Student Should Know
Starting college or university is an exciting new chapter, but it’s also a good time to think about insurance.
Since 1880
The roots are deep. The feeling is mutual.
Taking good care of people is never a bad thing. It's been our way for over 145 years.
The Mutual Difference
We're the insurance company that belongs to you.
BCM Insurance is a mutual insurance company. There are no shareholders, no quarterly earnings pressure, and no out-of-province head office making decisions about your coverage.
The people insured by BCM are part owners of the company and the board of directors is elected from among your neighbours. Every dollar of surplus stays in the community. This has been the way since 1880.
What Mutual Means for YouCoverage That Fits
Insurance for the way you live.
Whether you are protecting a home in St. Catharines, a farm in Niagara-on-the-Lake, a vehicle on the QEW, or a business in Welland, your coverage is built around your situation.
Home Insurance
Protecting Niagara homes, condos, and rental properties with coverage tailored to how you live.
Learn MoreAuto Insurance
Straightforward auto policies with the personal service large carriers can't match.
Learn MoreFarm Insurance
Specialized protection for Niagara's vineyards, tender fruit operations, greenhouses, and working farms.
Learn MoreBusiness Insurance
Commercial coverage for Niagara's shops, restaurants, contractors, and growing enterprises.
Learn MoreGiving Back
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Contributed since 2019
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Organizations supported
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Residents served
No shareholders means the community gets the return.
Every year, BCM invests in local nonprofits through our Community Grants Program. Since 2019, these grants have supported dozens of organizations serving more than 150,000 residents across Niagara and Haldimand County.
This is what the mutual model looks like in practice. Your premiums protect you when you need them, and they strengthen the communities where you live and work.
See Our Community Impact
Your Local Team
Our advisors are locals. We know our community and take the time to get your coverage right.
They're your neighbours, and they make sure your coverage fits your situation.
Meet Our TeamFrom the Community
News and Resources
Flood Information & Public Resources
Recent flooding across the region has impacted many homeowners and families, leaving some facing difficult and uncertain circumstances.
What To Do After a Car Accident: A 5 Step Guide
Being involved in a car accident can be an overwhelming event. While every accident is different, knowing the right steps to take can make a major difference.
Recognized & Accredited
Independent organizations have evaluated how BCM treats its people, its policyholders, and its community. These recognitions are evidence that the standards hold up when someone outside the company checks the work.
What Our Policyholders Say
Trusted across Niagara.
Based on 262 Google reviews
Talk to someone who understands.
Your coverage should be as personal as your community. Get a quote or call to speak with a local advisor today.