A Surrey broker you can walk into.
Our Fraser Highway office has served Surrey businesses and families for years, contractors, trades, shops, homeowners and landlords. Walk in without an appointment, or call and we will handle it from there.
Call 604-319-1000 Branch details & hours Build your fileWhere can I find an insurance broker in Surrey?
S&S Insurance is at 104A-19151 Fraser Hwy, Surrey. Walk in during opening hours, no appointment needed, for ICBC Autoplan, home and condo insurance, business and contractor cover, and risks other brokers have declined. Call 604-319-1000, or use our Delta office on 120 Street if you need somewhere open in the evening or on a Sunday.
What we are asked for most here.
Surrey is still being built, and it shows in the work that comes through the door. Roughly in order:
Contractors and trades
Certificates for a job starting Monday, builders risk on a project, liability at the limit the general contractor demands. Contractor insurance.
ICBC and vehicles
Plates, renewals, transfers and commercial vans, counter work, usually while you wait. ICBC Autoplan.
New and older homes
Buyers needing a binder for a closing date, and older homes other insurers have refused. Home insurance.
Rental property and suites
Basement suites, laneway homes and small buildings, which a homeowner’s policy does not cover. Landlord insurance.
Small business and shops
Liability limits written into a lease, contents, and the certificate a landlord is asking for. Small business insurance.
Declined and hard to place
Trades with claims history, older buildings, vacant property. Send us the letter.
Getting to the Fraser Highway office.
104A-19151 Fraser Hwy. Parking on site, transit accessible, and wheelchair accessible. No appointment needed during opening hours.
Opening hours
Monday to Friday 9:00 to 6:00, Saturday 10:00 to 5:00, closed Sunday.
Open later?
Our Delta office is open seven days a week until 9pm most days, useful for evening vehicle purchases.
Rather not come in?
Call 604-319-1000 or send us what you need and choose how we reply.
From people in Surrey.
Can I renew my ICBC insurance in Surrey without an appointment?
Yes. Walk into the Fraser Highway office during opening hours with your current papers and your driver’s licence and it is handled at the counter, usually in a few minutes.
Which insurance broker in Surrey handles contractors?
We do. Certificates, builders risk, liability and tools, with the certificate written to match your contract wording exactly.
Is there an insurance broker near me open on Sunday?
The Surrey office is closed Sundays, but our Delta branch at 2-8195 120 St is open seven days a week, Sunday 10:00 to 20:00.
Do you insure homes in Surrey that other insurers declined?
Yes. Older wiring, roof age, a past claim or a period of vacancy are common reasons a home is refused, and placing those is ordinary work for us. Bring the letter.
Do your brokers speak Punjabi?
Yes. Our team speaks Punjabi, Hindi, Italian, Cantonese and Mandarin as well as English.
Engineering firms here often find their discipline excluded: structural & geotechnical cover.
What the City of Surrey has put in writing.
Surrey has written down a great deal about its own flood risk. Here is the short version, taken from the City pages that say it.
One
The strategy
The City started work on its Coastal Flood Adaptation Strategy in 2016. Council endorsed the final strategy document in November 2019.
Two
How much of Surrey
The City says the coastal floodplain area spans 20 percent of Surrey land. It takes in Crescent Beach, Panorama and Gray Creek, Cloverdale, the Inter-River area, Colebrook, Mud Bay, Nico-Wynd and Crescent Road, and Semiahmoo First Nation.
Three
The money
On 24 May 2019 the Government of Canada confirmed $76.6 million toward the work. The City says the funding will build, rehabilitate and expand 13 infrastructure assets in Surrey and the communities around it.
Four
The level
For the Crescent Beach floodplain, the City says an application should meet the Provincial Flood Construction Level of 3.30 metres G.S.C., measured to the top of the slab or the underside of the floor joists. The City allows non-habitable buildings such as garages and sheds to sit below it.
Five
The engineer
A geotechnical engineer, a P.Eng., is required for all construction within a floodplain in the City of Surrey.
Six
The covenant
For the Crescent Beach floodplain, the City says that in the past it has granted development variance permits that reduce the flood construction level, and that granting one was conditional on the applicant committing to register a restrictive covenant on the property.
Six guides to read before the next job.
Tools and equipment theft
Whether a tool claim is paid depends on what you bought and where the tools were when they went. Read the guide.
Who must be on the ICBC policy
Who has to be listed, and what happens when somebody is left off. Read the guide.
Renting out a suite
A basement suite changes what the home policy is actually insuring. Read the guide.
The insurance clause in your lease
A commercial lease sets your limits and decides who has to be added. Read the guide.
Declined after water damage
What can still be done once a water claim is on the record. Read the guide.
Additional insured status
Naming someone as additional insured does not hand them your policy. Read the guide.
Come into the Surrey office.
104A-19151 Fraser Hwy. No appointment, no ticket, no call centre.
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