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 145 years.

BCM mascot Bertie
BCM baseball team

The Mutual Difference

You belong in Niagara. We belong to it.

BCM Insurance is a mutual 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 the people who own BCM. The board of directors is elected from among your neighbours. Every dollar of surplus is reinvested in the company or returned to policyholders.

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 instead.

Every year, BCM invests in local nonprofits through our Community Grants Program. Since 2019, these grants have supported 66 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

Your advisors are locals. We know Niagara and take the time to get your coverage right.

They are not call-centre representatives reading scripts. They are your neighbours, and they make sure your coverage fits your situation.

Meet Our Team

From the Community

News and Resources

2026 Accident Benefits Changes
May 13, 2026

2026 Accident Benefits Changes

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…

Read More

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.

4.7

Based on 240 Google reviews

Leave a Review Read all reviews

Ive been with another company now for sometime, upon this renewal I decided it was time too look for another company to work with. A lot of people in my area had recommended BCM insurance and after working with Peter I can understand why- his work ethic, friendliness and great communication skills (along with a magnificent quote thats almost identical to my current coverage) has helped me save a significant amount for my insurance. I would like to take the time to thank Peter for his hard work, and I highly recommend him and BCM. Thank you Peter

Steph Leafhead Google

My gf referred me to BCM insurance as looking for a new provider and gave me Peter wilders name for house insurance! Awesome experience, I requested a quote on line asking for Peter specifically. Next day I received a call and he was amazing. I sent him a very detailed email with mass questions regarding my coverage. He answered every question per point which was easily understood and saved me also many $ monthly. I am extremely happy to be part of the BCM insurance family and I know going forward Peter has my back for any concerns/ questions going forward!!

rhonda6396 Google

I can’t recommend Peter enough! He is absolutely amazing to work with. He responded to my emails immediately, was incredibly quick and efficient, and made the whole process so easy and stress-free. It’s rare to find someone who is both so professional and genuinely helpful. He went above and beyond to make sure everything was taken care of promptly. If you’re looking for someone reliable, knowledgeable, and responsive for car insurance, he is the best!

Rachel Nathaniel 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.