Niagara's Mutual Insurance CompanyNiagara's Mutual Insurance Company

Keeping Promises Since 1880

Keeping Promises Since 1880

Protecting our members and our employees during COVID-19

To protect our customers, employees and the community at large BCM Insurance has decided to close our office to the general public until further notice based on government recommendations. Our Staff will still be able to respond via telephone or email. We apologize for any inconvenience. – Updated November 2020

A message from the President and CEO – Jason Cybulski

Does your Insurance provider listen to you?
There’s Insurance but then there’s Mutual Insurance…
Where you have a say and we listen!

We cover the cities of Niagara Falls, Fort Erie, St. Catharines, Welland, Grimsby and everything in between. We’ve had roots in Niagara for over 120 years and understand the needs of the Niagara area.

We are 100% owned by our policy holders within our communities without any outside stakeholders. Policy holders have a voice in important issues that affect the company and insurance issues.


“I just wanted to say thank you to you and your team. The service I received was exceptional. From speedily processing my claim to Dixon’s Auto Body providing outstanding service and repair to Discount Rentals who gave me an upgrade on the vehicle and picked me up when I needed.

Thank you to all involved.”
Mark T.

The Latest News

Commercial Underwriter

Commercial Underwriter BCM is a policyholder owned, growth oriented property and casualty insurer serving the Niagara Region since 1880. Through personalized, local service it offers quality insurance products for home, [...]

Notice of Annual General Meeting

BCM INSURANCE COMPANY Bertie & Clinton Mutual Insurance Company 2020 Annual and Special General Meeting By-Laws with Changes The Annual and Special General Meeting which had [...]

BCM comes from a proud mutual insurance tradition founded in Niagara

In 1880, Bertie and Willoughby Mutual was established.

Later in 1898, Clinton Mutual was formed. In 1970, these two companies amalgamated to form Bertie and Clinton Mutual.

Today BCM is the largest Mutual in Niagara

providing various insurance products, backed by the combined financial strength of over forty Ontario Mutuals through the Fire Mutual Guarantee Fund.

Known for our insurance expertise

in providing personal and farm insurance products throughout Welland, Niagara Falls, St. Catharines and surrounding areas.

We have grown

and expanded our offered insurance products to include business property, liability and fleet insurance.

Personal Service

No 1-800 wait on the line - you always get to speak to a live person - on the phone, in our office, or at your home or business.

Traditional Service

Your sales representative is part of your community and is always there to give you the best advice possible when you need it.