Yes! Since the Coronavirus pandemic affected BC, ICBC has made changes to reduce person to person contact. Click the “shop online” button or call us a 604-731-3104 to get started.

No, you have the choice to purchase your optional coverages from a number of different insurers, while keeping  your mandatory basic insurance with ICBC.

Even though you may not be concerned about theft, the risk of water or sewer backup damage coming to your home from another suite is very real when living in an apartment building. A tenant’s insurance policy will cover the cost of cleanup and even the cost of you staying in a hotel while cleanup and repairs take place.

A deductible is the amount of a claim that you need to pay yourself. In other words, if you are receiving payment from the insurance company for a loss that is covered by your policy, you will be required to pay the deductible amount and the insurance company will pay over and above the deductible.

Insurance companies adjust their rates from time to time to reflect changing conditions and risks. However, not every increase is just because insurance is more expensive. Home insurance companies increase your coverage every renewal by an “inflation factor.” This means you are getting more coverage on your policy to keep in line with inflation making it more expensive to replace your home and personal property. The inflation factor is meant to prevent you from not having enough coverage.

Our insurance specialists are here to review your policy with you to make sure the coverage and price are right for you.

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Our Insurers & Managing Agents


Here’s what our happy drivers had to say about our services:

Always the best customer service from Dave, Christine and the rest of the professional staff at All Risk!
Trevor Smith

I would like to take this opportunity to thank Chris Ryan for his professional and friendly service for my home insurance. He is very knowledgeable about all the insurance products.

Bei Wang
Chris was extremely knowledgeable and helpful. He answered all of my husband’s questions and gave us some great advice on saving money. We will definitely be back with all of our insurance needs.
Valerie Gauthier
Fred is very at his job. Always professional and proactive. I always feel I received the best insurance policy for me and the best possible service.
Kevin Pedde
Great service! Renewed my autoplan in just a few minutes. Thanks!
Richard Lee