Find Your Best Commercial Insurance Company In British Columbia
There are multiple commercial insurance companies operating in British Columbia today, providing a wide array of options for businesses seeking coverage. However, having so many insurers to choose from can quickly lead to confusion, making it difficult to determine which insurer is the best fit for your needs.
To simplify the process of finding commercial insurance, we’ve compiled a list of some of BC’s top commercial insurance providers in 2026. Whether you’re looking for general liability coverage or more specialized policies, this guide will help you navigate your best available choices for business insurance in BC.
Finding the right business insurance can be overwhelming, especially with numerous options available in British Columbia. To make it easier to find the best fit for your small business’s needs, we’ve compiled a list of the top ten companies for business insurance in BC, highlighting their key features and ratings.
| Business Insurance Provider | Average Online Rating | Key Features |
|---|---|---|
| Zensurance | 4.8/5 | Multiple provider comparison tool, entry-level plans from $19/month, potential savings up to 35% |
| Northbridge Insurance | 3.6/5 | Wide selection of insurance plans, specialized coverage for different industries, excellent client services |
| HUB International | 4.8/5 | Industry Specialization (high risk), national reach, dedicated commercial risk advisors |
| BCAA | 4.1/5 | Local 24/7 emergency claims team, savings with BCAA Membership, custom coverage recommendations |
| InsureBC | 4.9/5 | Specialized coverage options, over 100 physical offices, unique offerings like surety bond insurance |
| Apollo | 1.9/5 | Online purchase 24/7, proof of insurance within minutes, industry-specific coverage |
| Johnston Meier Insurance | 4.1/5 | Excellent in-person support with rapid certificate issuance, strong coverage options |
| Intact | 3.6/5 | Comprehensive policy selection, digital claim management system, flexible business coverage options |
| Navacord Insurance (former Waypoint Insurance) | 4.9/5 | Tailored coverage for diverse industries, strong community involvement, access to specialty programs |
| Westland | 3.2/5 | Customized business protection, national and international market access, corporate advisory services |
| TD Insurance | 2.5/5 | Adaptable protection plans, multi-policy savings, streamlined digital enrollment |
Which Business Insurance Company Should You Choose in British Columbia?
Finding the best insurance for your business in British Columbia is not simple and depends on your business’s needs. That’s why we have categorized the above companies showcasing their respective strengths. Please note that these recommendations are based solely on our research, and it’s always advisable to conduct further research or consult with an insurance broker.
Zensurance
4.8 Star Rating on Google, as of December 2025
Key Features:
- Multiple provider comparison tool
- Entry-level plans from $19 monthly
Zensurance is an easy-to-use platform that streamlines business coverage selection, instantly providing quotes from multiple providers. It enables quick and simple rate comparisons, with potential cost reductions up to 35% making it popular with small and mid-size business owners.
Northbridge Insurance
3.6 Star Rating on Google, as of December 2025
Key Features:
- Wide selection of insurance plans
- Specialized coverage for different industries
- Excellent client services
Northbridge delivers a broad portfolio of business protection options. Their tailored coverage serves multiple business sectors, from consultancy firms to wholesale operations, helping organizations secure appropriate insurance protection.
The company stands out for its client-focused approach, delivering round-the-clock claims processing, flexible payment structures, legal assistance, and programs to help businesses minimize risks.
HUB International
4.8 Star Rating on Google, as of December 2025
Key Features:
- Industry Specialization (high risk)
- National reach
- Dedicated commercial risk advisors
HUB International is one of Canada’s largest commercial insurance brokerages, known for delivering industry-leading business insurance solutions through a vast national network of specialists. The firm is particularly recognized for its deep expertise in complex commercial risks across construction, technology, marine, real estate, hospitality, and healthcare. HUB provides businesses with dedicated risk advisors, 24/7 claims support, and fully customized insurance programs, making it a strong choice for mid-sized and enterprise-level organizations.
BCAA
4.1 Star Rating on Google, as of December 2025
Key Features:
- Local 24/7 emergency claims team
- More savings with a personal BCAA Membership
- Custom coverage recommendations
Ranked the #1 Most Trusted Insurance Brand in Canada by the 2022 Gustavson Brand Trust Index, BCAA boasts a fast online quote system and customizable protection to suit your business’ particular risks. This company notably has claims-free discount offers and flexible plans for businesses in industries such as construction, real estate, and retail.
InsureBC
4.9 Star Rating on Google, as of December 2025
Key Features:
- Specialized coverage options
- Over 100 physical offices
Notable as one of BC’s largest insurance brokerages, InsureBC has over 100 provincial locations and provides a comprehensive range of business insurance products. InsureBC stands out for offering unique types of coverage that other insurers don’t typically provide, such as surety bond insurance and directors and officers liability insurance.
Apollo
1.9 Star Rating on Google, as of December 2025
Key Features:
- Commercial insurance can be bought from them online 24/7
- Proof of insurance ready within minutes
- Industry-specific coverage for different businesses
Leading online insurance provider Apollo earns a spot on this list as the only place in Canada where you can fully buy insurance online, 24/7 – a big time-saver for business owners who need immediate coverage. You can pick from a wide range of business types to create an affordable custom quote on their site and receive proof of insurance in mere minutes.
Johnston Meier Insurance
4.1 Star Rating on Google, as of December 2025
Key Features:
- Excellent in-person support with rapid certificate issuance
- Strong coverage options
Johnston Meier Insurance (JMI) is a well-established BC-based brokerage known for its exceptional personalized local service, particularly for small and mid-sized businesses. With more than 40 locations across British Columbia, JMI stands out for its fast in-person support and quick turnaround times for certificates of insurance, a significant advantage for contractors, trades, and service-based businesses that need proof of coverage on short notice. Its long-standing regional presence also reflects strong operational stability.
Intact
3.6 Star Rating on Google, as of December 2025
Key Features:
- Comprehensive policy selection
- Digital claim management system
- Flexible business coverage options
Based in Toronto, Intact stands as a major figure in Canadian insurance. Their business coverage spans traditional commercial policies, as well as specialized offerings like vehicle fleet protection and business performance bonds. Clients benefit from continuous claims support and can manage their policies through Intact’s mobile platform and online portal.
Navacord Insurance (formerly Waypoint)
4.9 Star Rating on Google, as of December 2025
Key Features:
- Comprehensive coverage tailored to diverse industries
- Strong community involvement and support
- Access to a wide range of specialty programs
Navacord (formerly Waypoint) is a prominent commercial insurer with over 150 years of experience, known for its extensive range of tailored coverage options catering to various business sectors. BC businesses can benefit from its access to specialty programs designed for various industries such as marine, mining, and strata insurance.
Westland
3.2 Star Rating on Google, as of December 2025
Key Features:
- Customized business protection
- Broad national and international market accessibility
Westland Insurance serves BC businesses with personalized insurance solutions to suit different industries, budgets, and preferences. They distinguish themselves by offering both domestic and international market access, plus specialized business consultants who assist with assessing and minimizing risk.
TD Insurance
2.5 Star Rating on Google, as of December 2025
Key Features:
- Adaptable protection plans
- Multi-policy savings
- Streamlined digital enrollment
TD’s business insurance department provides extensive commercial protection with adjustable terms. Apart from offering comprehensive coverage solutions, TD rewards customers who combine multiple policies with reduced rates. BC business owners can also quickly obtain estimates through their online platform, saving time and effort.
How Do You Buy Commercial Insurance in BC?
Business owners in BC can buy commercial insurance by reaching out to these different channels, each of which offers distinct pros and cons:
How Do You Make a Commercial Insurance Claim in BC?
If you need to make a commercial insurance claim in BC, follow these steps:
Methodology for Selecting Top Commercial Insurance Companies in BC
Our comprehensive assessment of BC’s commercial insurers incorporates several factors, such as customer satisfaction, sufficiency of coverage, and financial stability. All of these affect how happy a policyholder will be with their performance and how adequately they can meet their needs.
Here’s what we take into consideration to provide a reliable list of the best providers of commercial insurance in BC: