A family brokerage that grew up in the Lower Mainland.
Daljit Sidhu started S&S working alone out of a small family office, and he has been serving Lower Mainland families and businesses for more than forty years. Today it is three branches, more than forty people, and a brokerage whose work is recognized by the industry it belongs to.
Is S&S an insurance company or a broker?
S&S Insurance Services Ltd. is an independent brokerage in British Columbia, not an insurance company. That means we do not sell one insurer’s products. We hold relationships with more than 20 insurers and place each risk with whichever one fits it best. We have three walk-in branches: Vancouver, Delta and Surrey.
When an insurer changes its appetite or leaves a class of business, we move the client to a market that still writes it. You do not have to start again.
Our commercial insurance work is recognized by the brokers who do the same job.
Anyone can call themselves an expert on their own website. These are not our words. They are public records, published by the brokers’ own association, and anyone can look them up.
Commercial Lines Broker of the Year, 2018
The Insurance Brokers Association of British Columbia (IBABC) gave this award to Amrit Sidhu of S&S Insurance. It was presented at the Centennial Awards, the year the association turned 100.
Chair of IBABC
Amrit Sidhu is Chair of the Insurance Brokers Association of British Columbia for 2026/2027. He was its President the term before. The association speaks for more than 800 brokerages across BC.
Committees and hard-to-place trades
The same citation credits him with committee and task force work for the industry. It also credits him with building markets for trades other brokers find hard to place. Two of those are general contractors, and demolition and excavation contractors.
WHY THIS MATTERS TO YOU: THE BROKER WHO CHAIRS THE PROVINCIAL BROKERS’ ASSOCIATION WORKS HERE, AND YOU CAN SIT DOWN WITH OUR TEAM IN VANCOUVER, DELTA OR SURREY. IBABC IS A TRADE ASSOCIATION. LICENSING IN BC IS HANDLED BY THE INSURANCE COUNCIL OF BC.
One person, then one hire, then three branches.
A small family office
Daljit Sidhu started S&S working alone, one person, one desk, and clients who came by word of mouth.
The first hire
The business grew the slow way: one client telling another, until one person could no longer do all of it.
Three branches
Vancouver, Delta and Surrey, each a real office with a counter, open to walk in without an appointment.
A commercial brokerage
Today most of our work is business insurance. Construction, builders risk, architects and engineers, contractors, manufacturing and wholesale. Alongside that, the home and auto clients who have been with us for years.
We did not just open on this street. We helped build it.
Our Vancouver office sits in the Punjabi Market on Main Street, a district Daljit Sidhu helped establish. Over the years he has served on boards including South Vancouver Neighbourhood House and Canada Place Corporation, and as an Area Director for Greater Vancouver on the provincial brokers’ association board.
It is why a lot of our clients came to us in the first place, and why so many have stayed for a second and third generation. We did not just open on this street. We are part of it. Our Main Street office sits in the heart of the Punjabi Market, and we do business in English, Punjabi and Hindi. It is the neighbourhood we come from, not just the one we work in.
Four things we will not trade away.
A straight answer, even when it is no
If we cannot place your risk, we say so and tell you why. A quick honest no is worth more than three weeks of being managed.
One broker, start to finish
You are not passed between departments. The person who knows your file is the person who answers when something goes wrong.
Plain English on purpose
Policy wordings are difficult by nature. Explaining them clearly is our job, not a favour.
We keep looking
When an insurer withdraws from a class, we move clients to markets that still write it rather than letting the relationship end.
Insurance is hard enough in your first language.
Our team speaks the languages our neighbourhoods speak, so you can explain what happened in the words you actually think in, and be understood.
Three branches. Every one writes everything.
There is no “wrong” branch to walk into. Every office handles every kind of insurance and routes your file internally to the right desk.
Delta
Inside the Superstore, Delta, BC
What people ask about us.
Are you an insurance company or a broker?
We are a brokerage. That means we do not sell one company’s products. We hold relationships with more than 20 insurers and place your risk with the one that fits it best. When an insurer changes its appetite, we move; you do not have to.
Do I need an appointment?
No. Walk into any of the three branches. The lights at the top of this page show which offices are open right now.
Does each branch specialize in something different?
No, every branch writes every line. Your file is routed internally to the right department, so the office you walk into is simply the one nearest you.
What kinds of insurance do you focus on?
Most of our work is commercial: construction and builders risk, architects and engineers, contractors, manufacturing and wholesale, and general liability. We also handle home, rental property, auto and marine, and we take on risks other brokers have declined.
Do you handle ICBC?
Yes. We are an Autoplan broker, plates, renewals and transfers are counter work at any of our branches.
Come in, or start where you are.
Walk into any branch without an appointment, or tell us what you need and choose how we get back to you.
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.