# S&S Insurance Services Ltd. > Independent insurance brokerage in British Columbia, Canada. Personal and commercial lines, placed with more than twenty insurers. Three branches: Vancouver, Delta and Surrey. Licensed in BC. Also written as S & S Insurance, S and S Insurance or Sands Insurance. ## What to know - Independent broker, not an insurer. S&S places cover with insurers; it does not underwrite. - Branches: Vancouver 604-324-5711, Delta 604-635-0890, Surrey 604-319-1000. - Declined, cancelled or non-renewed files are a stated specialty - see /declined-insurance/. - Builders risk (course of construction) is described on site as the single largest line of business. - Quotes and advice come from licensed people. The tools below only assemble a file; they never price, bind or advise. ## Build-your-file intake tools Branching questionnaires that turn answers into a complete submission, one question per screen. Each shows the full file before anything is sent. - [Build Your Builders Risk File](https://sandsinsurance.ca/business-insurance/builders-risk/quote-file/) - [Build Your Cargo and Marine File](https://sandsinsurance.ca/business-insurance/marine-cargo/quote-file/) - [Build Your Property and Interruption File](https://sandsinsurance.ca/business-insurance/commercial-property/quote-file/) - [Build Your Commercial Vehicles and Fleet File](https://sandsinsurance.ca/business-insurance/commercial-vehicles-fleet/quote-file/) - [Build Your Professional Services File](https://sandsinsurance.ca/business-insurance/consultants-professional-services/quote-file/) - [Build Your Contractors Insurance File](https://sandsinsurance.ca/business-insurance/contractors/quote-file/) - [Build Your Cyber and Directors File](https://sandsinsurance.ca/business-insurance/cyber-directors/quote-file/) - [Build Your Architects and Engineers File](https://sandsinsurance.ca/business-insurance/architects-engineers/quote-file/) - [Build Your Manufacturing and Wholesale File](https://sandsinsurance.ca/business-insurance/manufacturing-wholesale/quote-file/) - [Build Your Non-Profit and Association File](https://sandsinsurance.ca/business-insurance/non-profits-societies/quote-file/) - [Build Your Restaurant and Food Service File](https://sandsinsurance.ca/business-insurance/restaurants/quote-file/) - [Build Your Small Business File](https://sandsinsurance.ca/business-insurance/small-business/quote-file/) - [Build Your Strata and Property File](https://sandsinsurance.ca/business-insurance/strata-property-managers/quote-file/) - [Build Your Surety Bond File](https://sandsinsurance.ca/business-insurance/surety-bonds/quote-file/) ## Business insurance - [Business Insurance BC](https://sandsinsurance.ca/business-insurance/) - [Association Insurance Programs BC](https://sandsinsurance.ca/business-insurance/associations-unions/) - [Who Your Association Policy Covers](https://sandsinsurance.ca/business-insurance/associations-unions/who-is-actually-insured/) - [Builders Risk Insurance BC](https://sandsinsurance.ca/business-insurance/builders-risk/) - [Builders Risk Warranties and Conditions](https://sandsinsurance.ca/business-insurance/builders-risk/policy-warranties-and-conditions/) - [When Builders Risk Coverage Ends BC](https://sandsinsurance.ca/business-insurance/builders-risk/when-builders-risk-ends/) - [Business Interruption Insurance BC](https://sandsinsurance.ca/business-insurance/business-interruption/) - [How Long Business Interruption Pays BC](https://sandsinsurance.ca/business-insurance/business-interruption/how-long-it-pays/) - [Cargo & Marine Insurance Vancouver](https://sandsinsurance.ca/business-insurance/marine-cargo/) - [Carrier Liability Limits on Freight BC](https://sandsinsurance.ca/business-insurance/marine-cargo/carrier-liability-limits/) - [Commercial General Liability Insurance BC](https://sandsinsurance.ca/business-insurance/general-liability/) - [What General Liability Does Not Cover](https://sandsinsurance.ca/business-insurance/general-liability/what-it-does-not-cover/) - [Commercial Property Insurance BC](https://sandsinsurance.ca/business-insurance/commercial-property/) - [Water Damage Cover on Commercial Property](https://sandsinsurance.ca/business-insurance/commercial-property/water-damage-cover/) - [Commercial Vehicle & Fleet Insurance BC](https://sandsinsurance.ca/business-insurance/commercial-vehicles-fleet/) - [Staff Driving Own Cars for Work BC](https://sandsinsurance.ca/business-insurance/commercial-vehicles-fleet/non-owned-auto-liability/) - [Consultant & E&O Insurance BC](https://sandsinsurance.ca/business-insurance/consultants-professional-services/) - [Client Data Leak: Which Policy Answers](https://sandsinsurance.ca/business-insurance/consultants-professional-services/client-data-leak-which-policy-answers/) - [Do Defence Costs Come Out of Your Limit?](https://sandsinsurance.ca/business-insurance/consultants-professional-services/defence-costs-and-the-limit/) - [Indemnity Clauses and Your E&O Policy](https://sandsinsurance.ca/business-insurance/consultants-professional-services/indemnity-clauses-and-your-policy/) - [What Counts as a Professional for E&O](https://sandsinsurance.ca/business-insurance/consultants-professional-services/what-counts-as-professional/) - [What Errors and Omissions Covers BC](https://sandsinsurance.ca/business-insurance/consultants-professional-services/what-errors-and-omissions-covers/) - [When to Report a Circumstance to Insurers](https://sandsinsurance.ca/business-insurance/consultants-professional-services/when-to-report-a-circumstance/) - [Contractor Insurance BC](https://sandsinsurance.ca/business-insurance/contractors/) - [Additional Insured Status on BC Jobs](https://sandsinsurance.ca/business-insurance/contractors/additional-insured-status/) - [Clearance Letter vs Insurance Certificate BC](https://sandsinsurance.ca/business-insurance/contractors/clearance-letter-or-insurance-certificate/) - [Completed Operations on Your Own Policy](https://sandsinsurance.ca/business-insurance/contractors/completed-operations-cover/) - [Contractor Tool and Equipment Theft](https://sandsinsurance.ca/business-insurance/contractors/tools-and-equipment-theft/) - [Who Is the Prime Contractor on Your Site](https://sandsinsurance.ca/business-insurance/contractors/who-is-the-prime-contractor/) - [Who Pays for Subcontractor Damage in BC](https://sandsinsurance.ca/business-insurance/contractors/subcontractor-damage-who-pays/) - [Wrap-Up Liability for BC Trades](https://sandsinsurance.ca/business-insurance/contractors/wrap-up-liability/) - [Contractors Pollution Liability Insurance BC](https://sandsinsurance.ca/business-insurance/environmental-pollution/) - [The Pollution Exclusion on Your Policy](https://sandsinsurance.ca/business-insurance/environmental-pollution/the-pollution-exclusion/) - [Cyber Insurance for Accounting Firms BC](https://sandsinsurance.ca/business-insurance/cyber-accounting-professional-firms/) - [The Sub-Limit on Fraudulent Instruction](https://sandsinsurance.ca/business-insurance/cyber-accounting-professional-firms/fraudulent-instruction-sub-limit/) - [Cyber Insurance for Business BC](https://sandsinsurance.ca/business-insurance/cyber-directors/) - [Data Breach Duties for BC Firms](https://sandsinsurance.ca/business-insurance/cyber-directors/data-breach-duties/) - [What Cyber Insurance Will Not Cover](https://sandsinsurance.ca/business-insurance/cyber-directors/what-cyber-does-not-cover/) - [Employee Theft & Crime Insurance BC](https://sandsinsurance.ca/business-insurance/crime-employee-theft/) - [Employee Dishonesty Cover Explained](https://sandsinsurance.ca/business-insurance/crime-employee-theft/employee-dishonesty-cover/) - [Engineers & Architects Insurance BC](https://sandsinsurance.ca/business-insurance/architects-engineers/) - [Architect Professional Liability Limits BC](https://sandsinsurance.ca/business-insurance/architects-engineers/professional-liability-limits/) - [Retroactive Date Explained BC](https://sandsinsurance.ca/business-insurance/architects-engineers/retroactive-date/) - [Run-Off Cover for Design Firms BC](https://sandsinsurance.ca/business-insurance/architects-engineers/run-off-cover/) - [Sub-Consultants and Your Own Cover](https://sandsinsurance.ca/business-insurance/architects-engineers/sub-consultants-and-your-cover/) - [The Standard of Care in Your Contract](https://sandsinsurance.ca/business-insurance/architects-engineers/standard-of-care-in-your-contract/) - [Equipment Breakdown Insurance BC](https://sandsinsurance.ca/business-insurance/equipment-breakdown/) - [Why Property Insurance Skips the Motor](https://sandsinsurance.ca/business-insurance/equipment-breakdown/why-property-skips-the-motor/) - [Event Insurance BC](https://sandsinsurance.ca/business-insurance/event-insurance/) - [Serving Alcohol at Your Event in BC](https://sandsinsurance.ca/business-insurance/event-insurance/serving-alcohol/) - [Manufacturing Insurance BC](https://sandsinsurance.ca/business-insurance/manufacturing-wholesale/) - [Product Recall Is Not Product Liability](https://sandsinsurance.ca/business-insurance/manufacturing-wholesale/product-recall-is-not-product-liability/) - [Replacement Cost or Actual Cash Value](https://sandsinsurance.ca/business-insurance/manufacturing-wholesale/replacement-cost-or-actual-cash-value/) - [Non-Profit & Society Insurance BC](https://sandsinsurance.ca/business-insurance/non-profits-societies/) - [Society Director Liability Cover BC](https://sandsinsurance.ca/business-insurance/non-profits-societies/director-personal-liability/) - [Restaurant Insurance BC](https://sandsinsurance.ca/business-insurance/restaurants/) - [Restaurant Spoilage and Breakdown Cover](https://sandsinsurance.ca/business-insurance/restaurants/spoilage-and-equipment-breakdown/) - [Small Business Insurance BC](https://sandsinsurance.ca/business-insurance/small-business/) - [What Your Commercial Lease Requires](https://sandsinsurance.ca/business-insurance/small-business/lease-insurance-clause/) - [Strata Insurance BC](https://sandsinsurance.ca/business-insurance/strata-property-managers/) - [Who Pays the Strata Insurance Deductible](https://sandsinsurance.ca/business-insurance/strata-property-managers/who-pays-the-deductible/) - [Structural Engineer Insurance BC](https://sandsinsurance.ca/business-insurance/structural-geotechnical-engineers/) - [Who Can Rely On Your Engineering Report](https://sandsinsurance.ca/business-insurance/structural-geotechnical-engineers/reliance-on-your-report/) - [Surety Bonds for Contractors BC](https://sandsinsurance.ca/business-insurance/surety-bonds/) - [Why Surety Bonds Get Declined BC](https://sandsinsurance.ca/business-insurance/surety-bonds/why-bonds-get-declined/) - [Umbrella & Excess Liability Insurance BC](https://sandsinsurance.ca/business-insurance/umbrella-excess-liability/) - [What an Umbrella Policy Sits Over](https://sandsinsurance.ca/business-insurance/umbrella-excess-liability/what-an-umbrella-sits-over/) - [Wholesale & Distribution Insurance BC](https://sandsinsurance.ca/business-insurance/wholesale-distribution/) - [Distributor Liability for Imported Goods](https://sandsinsurance.ca/business-insurance/wholesale-distribution/liability-for-goods-you-did-not-make/) ## Personal insurance - [Personal Insurance BC](https://sandsinsurance.ca/personal-insurance/) - [Boat and RV Insurance BC](https://sandsinsurance.ca/personal-insurance/boat-rv/) - [Does Home Insurance Cover a Boat or RV?](https://sandsinsurance.ca/personal-insurance/boat-rv/boat-and-rv-cover/) - [Condo Insurance BC](https://sandsinsurance.ca/personal-insurance/condo/) - [What the Strata Insures Inside Your Unit](https://sandsinsurance.ca/personal-insurance/condo/what-counts-as-your-unit/) - [Farm & Acreage Insurance BC](https://sandsinsurance.ca/personal-insurance/farm-acreage/) - [What a House Policy Misses on an Acreage](https://sandsinsurance.ca/personal-insurance/farm-acreage/what-a-house-policy-misses/) - [Home Insurance Vancouver & Lower Mainland](https://sandsinsurance.ca/personal-insurance/home/) - [Running a Home Business on a Home Policy](https://sandsinsurance.ca/personal-insurance/home/running-a-business-from-home/) - [ICBC Autoplan Brokers, Lower Mainland](https://sandsinsurance.ca/personal-insurance/icbc-autoplan/) - [Who Must Be Listed on Your ICBC Policy](https://sandsinsurance.ca/personal-insurance/icbc-autoplan/who-must-be-listed/) - [Landlord Insurance BC](https://sandsinsurance.ca/personal-insurance/rental-property/) - [Renting Out a Suite in Your Own Home](https://sandsinsurance.ca/personal-insurance/rental-property/renting-out-a-suite/) - [Tenant Insurance BC](https://sandsinsurance.ca/personal-insurance/tenant/) - [What Your Landlord’s Policy Does Not Cover](https://sandsinsurance.ca/personal-insurance/tenant/what-your-landlord-does-not-cover/) - [Travel Insurance BC](https://sandsinsurance.ca/personal-insurance/travel-insurance/) - [Three Things Travel Insurance Must Cover](https://sandsinsurance.ca/personal-insurance/travel-insurance/three-things-it-must-cover/) ## Branches and local pages - [Insurance Broker Delta BC, Open 7 Days](https://sandsinsurance.ca/insurance-broker-delta/) - [Insurance Broker Langley BC](https://sandsinsurance.ca/insurance-broker-langley/) - [Insurance Broker Surrey BC](https://sandsinsurance.ca/insurance-broker-surrey/) - [Insurance Broker Vancouver BC](https://sandsinsurance.ca/insurance-broker-vancouver/) - [Insurance Brokers Delta, Open 7 Days](https://sandsinsurance.ca/delta/) - [Insurance Brokers Fraser Highway Surrey](https://sandsinsurance.ca/surrey/) - [Insurance Brokers Main Street Vancouver](https://sandsinsurance.ca/vancouver/) ## Everything else - [About S&S Insurance](https://sandsinsurance.ca/about/) - [Contact S&S Insurance](https://sandsinsurance.ca/contact/) - [Declined Insurance BC? We’ll Read the Letter](https://sandsinsurance.ca/declined-insurance/) - [Cancelled or Lapsed Insurance BC](https://sandsinsurance.ca/declined-insurance/cancelled-insurance/) - [Declined After Water Damage BC](https://sandsinsurance.ca/declined-insurance/water-damage-history/) - [Knob and Tube Wiring Insurance BC](https://sandsinsurance.ca/declined-insurance/knob-and-tube-wiring/) - [Oil Tank Home Insurance BC](https://sandsinsurance.ca/declined-insurance/oil-tank/) - [Vacant Property Insurance BC](https://sandsinsurance.ca/declined-insurance/vacant-property/) - [Wood Stove Home Insurance BC](https://sandsinsurance.ca/declined-insurance/wood-stove/) - [Free Insurance Risk Snapshot BC](https://sandsinsurance.ca/risk-snapshot/) - [How S&S Insurance Works](https://sandsinsurance.ca/how-we-work/) - [How to Make an Insurance Claim in BC](https://sandsinsurance.ca/claims/) - [Insurance Brokers Vancouver, Delta & Surrey](https://sandsinsurance.ca/) - [Insurance Complaints in BC: What to Do](https://sandsinsurance.ca/complaints/) - [Insurance Guides BC](https://sandsinsurance.ca/insurance-guides/) - [Privacy Policy](https://sandsinsurance.ca/privacy/) - [Sitemap](https://sandsinsurance.ca/sitemap/) - [Start Your Insurance Quote BC](https://sandsinsurance.ca/start/) - [Terms of Use](https://sandsinsurance.ca/terms/) ## Machine-readable - Sitemap: https://sandsinsurance.ca/sitemap.xml - Every page carries JSON-LD (InsuranceAgency per branch, BreadcrumbList, WebPage; coverage pages add FAQPage and Service). - Declared FAQ answers match the visible text on the page word for word. - Generated 2026-09-14 from published pages.