A straight answer about your insurance, even when it’s no.
Three branches, no call centre anywhere in the business. Whoever quotes your policy is whoever handles it when you claim. Walk in, Delta is open seven days a week.
S&S Insurance Services is an independent insurance brokerage in British Columbia with three walk-in branches, Vancouver, Delta and Surrey. We place business, home, car, marine and hard-to-place insurance with more than 20 insurers, and we are an ICBC Autoplan broker. No appointment is needed at any branch.
Personal insurance
Buying a home, renting, driving, or opening a renewal that jumped in price.
See personal insurance →Business insurance
A lease, a contract or a customer is asking you for coverage, usually by a date.
See business insurance → Build your file yourself →Fourteen files you can build without giving your name.
Each one asks what a broker would ask you across a desk, in plain words, and what comes out is a file we can quote from. Your name and number come last, and only if you want them to. Six of the fourteen are below.
Contractors and construction
Certificates in a hurry, liability, tools and equipment, for every trade and every size.
Build the contractor fileArchitects, engineers and design
Professional liability for design work, with no discipline left out.
Build the practice fileConsultants and professional services
For firms that get paid for their advice, and get blamed when a client loses money.
Build the firm fileBuilders risk and course of construction
New builds, renovations and conversions, covered from ground break to occupancy.
Build the project fileSurety and contract bonds
Bid, performance, labour and material. Capacity sorted out before the tender closes.
Build the bond fileSmall business packages
The shop, the liability and the lost income if you have to close, in one place.
Build the business fileSee all fourteen files, or tell us what you do and we will point you at the right one.
A “no” from one insurer is a starting point, not a verdict.
Send us the letter. We’ll read it and call you back with a straight answer, and if we can’t help, we’ll tell you who might. Most declines have a reason, and plenty of reasons have a fix.
Or just tell us what’s going on.
Sorted by the situation you’re in, not by product category.
Your general contractor or the lender won’t let work start without it. Send us the contract.
Send us the contract and we read the clause itselfSend us the contract →
Your lawyer or notary needs the binder before the money moves. We’ll get it there.
Tell us your closing date and we work to itStart a home quote →
Send us the letter. We read it and call you back with a straight answer, including who else could help.
Send us the letter →Three doors, walk through whichever is nearest.
No appointment and no queue ticket. The lights show who’s open right now.
Vancouver
6607 Main Street
Vancouver, BC V5X 3H3
Open until 18:30
Marine and cargo desk, personal lines, and where complex files get escalated.
604 324 5711Delta
2-8195 120th Street · inside Superstore
Delta, BC V4C 6P7
Open until 21:00
Personal lines, farm and greenhouse, and small business. Open seven days.
604 635 0890Surrey
Unit 104A, 19161 Fraser Hwy
Surrey, BC V3S 8E7
Open until 18:00
Personal lines, contractors, commercial auto and fleet.
604 319 1000Asked at our counter, answered here.
Is it “S&S” or “Sands”?
Both work. Our legal name is S&S Insurance Services Ltd. Our web address spells it as one word, sandsinsurance.ca, so plenty of people say "Sands." Either way, you get the same three branches and the same people.
Do I need an appointment?
No. Walk in at any branch. Delta is open seven days a week until 9 pm most nights. If you’d rather book a time, call your branch and we’ll set one up.
Can you handle my ICBC renewal, plates or a vehicle transfer?
Yes. We’re an Autoplan broker. Most vehicle transactions have to be completed at a counter, so bring your paperwork in and we’ll do it while you wait.
I was declined by another insurance company. Can you still help?
Often, yes. Send us the letter you received. We’ll read it, tell you why it happened, and let you know whether we can place it, and if we can’t, we’ll point you somewhere that might.
How fast can I get a certificate of insurance for a job?
Send us the contract itself rather than a summary. We read the clause, match the wording exactly, and tell you honestly when it can be ready, before you commit to a start date.
Do you speak my language?
English, Punjabi, Hindi, Italian, Cantonese and Mandarin are spoken across our counters. Call the branch nearest you and ask for the language you want.
Tell us what you need, and how you’d like us to reply.
Some people want a written answer with no phone call. Some want to talk it through in five minutes. Some would rather come in. You choose, and that’s what we do.
A licensed person reads it and replies – next business day. If we can help, we say how. If we cannot, we say that plainly too.
English, Punjabi, Hindi, Italian, Cantonese and Mandarin are spoken across our counters.
Vancouver 604-324-5711
Delta 604-635-0890
Surrey 604-319-1000
Try the free risk snapshot. A few quick questions shaped to your exact situation, no name, no email, and you get a plain list of what you are actually exposed to. Or see how we work.