BCM Insurance
Claims Contact

(905) 735-1234

mail@bcminsurance.com

Mon–Fri 8:30 AM – 4:30 PM

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.

BCM mascot Bertie with the Niagara River Lions mascot
BCM's staff baseball team in matching jerseys at the diamond

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 You

Coverage 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.

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Auto Insurance

Straightforward auto policies with the personal service large carriers can't match.

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Farm Insurance

Specialized protection for Niagara's vineyards, tender fruit operations, greenhouses, and working farms.

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Business Insurance

Commercial coverage for Niagara's shops, restaurants, contractors, and growing enterprises.

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Giving 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
Community volunteers at local event
Community members working together
Families enjoying community gathering

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 Team

From the Community

News and Resources

Thanksgiving Weekend Events
October 5, 2026

Thanksgiving Weekend Events

Thanksgiving weekend is here! From fall festivals to family fun, there's plenty happening across the region. Get out, explore & enjoy!

Flood Information & Public Resources
August 6, 2026

Flood Information & Public Resources

Recent flooding across the region has impacted many homeowners and families, leaving some facing difficult and uncertain circumstances.

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 276 Google reviews

Leave a Review Read all reviews

My parents experience with BCM is second to none. If they had a fan club, my late father would have been the president. Marc Savain's level of service and professionalism has not changed since the day we met him when he arrived in the Welland area 30+ years ago.

Frank DeChellis Google

Peter Wilding is, by a country mile, the best insurance agent I have ever had! (And I've had a few). He is always available and provides an immediate response to any questions or concerns I have.

Douglas Ross Google

We just had a basement flood as hundreds of others did. I just hope their experience with their insurance companies were as solid as ours. Our agent Ken Lu was so quick getting back to us and making sure we were ok. Tom Pooler in claims was top notch at communication and getting us our cheque asap so we could get the clean up started. A big thank you to you both, so very much appreciated!

Rick Atkins Google

My wife and I just bought our first property and we are so thrilled to be with BCM. Their prices were much more affordable then the competitions, and with our house getting hit by the flooding that occurred in St. Catharine's, Dominic and Tom made the claims process quick and simple, put our minds at ease. Couldn't have made a better choice. 10 outta 10 would recommend.

Kenny Luimes Google

We have been with BCM only a year now, however every interaction is personal and efficient. It is nice that BCM is not so corporate that it takes 3 hours on the phone to make a change or conduct any other business. Our agent is always very pleasant and helpful.

Dawn Riesebosch Google

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.