Insurance Services · Delta, BC
Eleven lines of coverage.Find yours in one screen.
Personal policies protect what you own. Commercial policies protect what you run. The split matters because insurers price them differently, and because a personal policy quietly stops paying the moment something is used for work.
Coverage finder
Tell us what you own or run.
Pick one or more and we highlight the lines that apply.
For you and your family
Personal
Auto Insurance
✓ICBC Basic Autoplan: third-party liability, accident benefits, hit-and-run
✕Wear and tear, rust, mechanical breakdown
Home Insurance
✓The building, at the cost to rebuild it today
✕Earthquake, overland flood or sewer backup unless added
Travel Insurance
✓Emergency medical outside your province, up to $10 million
✕Pre-existing conditions that are not stable for the stated period
Motorcycle Insurance
✓ICBC Basic liability and accident benefits
✕Track days and racing
RV Insurance
✓Motorhomes: liability, collision, comprehensive
✕Full-time living unless it is declared
For what you run
Commercial
Business Insurance
✓Commercial general liability (CGL)
✕Employee injury — that is WorkSafeBC
Trucking Insurance
✓Commercial liability for the tractor
✕The cargo itself — that is a separate cargo policy
Cargo Insurance
✓Loads in transit: theft, collision, fire, overturn
✕Theft from an unattended vehicle without alarm or locked yard
Farm Insurance
✓Farm dwelling and outbuildings
✕Crop loss — that is the province’s Production Insurance
Marine Insurance
✓Hull and machinery
✕Navigation outside the stated limits
Rental Property Insurance
✓The building and attached structures
✕Your tenant’s belongings
How pricing works
Every premium is five questions.
Whatever the line, the insurer is asking the same things: what is it worth, where is it, how is it used, what has happened before, and how much of a loss will you carry yourself. Answer them honestly and the price is the price. Guess, and the claim is where you find out.
A quote takes two minutes.A callback, the same business day.
Pick the coverage, answer a short set of questions, and a licensed broker in Delta calls you back with real numbers.