Starting July 1, 2026, Ontario is making changes to auto insurance to give drivers more choice and flexibility. Drivers will be able to choose benefits to fit their needs. Medical, rehabilitation and attendant care benefits will remain mandatory to ensure everyone has access to essential recovery support. All other accident benefit coverages, such as income replacement, will become optional. Who is covered for these optional benefits under your policy will also change.

The insurance landscape in Canada is changing fast. With the rise of digital platforms and “one-click” purchases, consumers are increasingly being offered coverage in new ways, often without realizing who is actually providing the advice behind it.

At BCM Insurance, we believe insurance should do more than just protect you, it should also give back to you. That is why we’re proud to announce our 2025 Refund from Surplus, where eligible policyholder(s) will receive 10% on the property premiums they paid.This is more than just a refund. It is a reflection of what makes mutual insurance different, and better to you, your family, and local community.

Following February’s Board meeting, we’re pleased to share that a 10% refund from surplus has been approved based on our strong 2025 financial results.

Are you a homeowner in Niagara? Then you have most likely known someone who has basement flooding after a heavy summer storm or a rapid spring thaw. These types of weather events are one of the most common claims in Ontario. Still, one big question always remains.Here are five things Niagara drivers often overlook when it comes to their auto insurance.

When it comes to car insurance in Ontario, many drivers assume that their auto policy covers everything, until an accident or claim proves them otherwise. Whether you’re driving though St. Catharine's, doing errands in Welland, or heading down the QEW for a weekend trip to the falls, it’s important to understand what your policy fully includes.Here are five things Niagara drivers often overlook when it comes to their auto insurance.

Meet Bertie the Bear, BCM Insurance’s new mascot! Representing our Niagara roots, Bertie connects with the community at local events like markets and charity runs. He’s here to spread joy and showcase BCM’s commitment to giving back. Keep an eye out for Bertie in his signature BCM gear - you might spot him at an event soon!

In a world where automated systems and chatbots are becoming a part of our everyday lives, personalized customer service seems to be something of the past. At BCM Insurance, we believe in the power of human connection.

With September’s arrival, and the back-to-school season kicking off, roads will continue to become busier and busier. School buses, parents commuting, kids walking to school, and young cyclists, there is no doubt that the roads will be full. What this means for drivers is that paying extra attention in the mornings and afternoons is essential for the safety of everyone.

Insurance plays a pivotal role in securing our future and providing a safety net in times of need. However, not all insurance companies operate on the same principles. Mutual insurance companies present a distinctive approach that separates them from traditional, for-profit insurers. In this article, we'll delve into the mutual insurance advantage and what sets it apart from conventional insurance companies.

Filing an insurance claim can be a daunting experience, especially when you're dealing with the aftermath of an unexpected event. Whether it's a car accident, home damage, or a health issue, understanding the insurance claims process can help alleviate some of the stress during a challenging time. In this article, we'll explain the insurance claims process and provide insight into what you can expect when filing a claim.