Our Fernie team has been named the 2026 People’s Choice Award winner at the Fernie Business Excellence Awards!
This recognition is especially meaningful because it comes from the community our team is proud to serve every day.
Car · Home · Business
Best Insurance Broker in Fernie, BC
For over 100 years, Western Financial Group has helped Canadians protect what matters most. As your local insurance broker in Fernie, BC, we help with car insurance through ICBC Autoplan and compare quotes from Canada's top insurance providers to find you the right home insurance and business insurance at a competitive price. Our Fernie team proudly serves Sparwood, Elkford, Hosmer, Jaffray and the surrounding area.
100% Canadian Owned
Serving Customers since 1905
13,000+ Reviews Across Western | 4.5
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Your Trusted Insurance Broker in Fernie, BC
2026-08-28
Staff at the Fernie branch are amazing! Everyone I’ve dealt with has been incredibly knowledgeable, friendly, and efficient. They take the time to explain things clearly and make the whole process easy and stress-free. I really appreciate the excellent customer service and how welcoming the staff are. A special shout-out to AJ and Sheph for going above and beyond and making sure I was taken care of. It’s clear that the staff genuinely care about their customers. Highly recommend the Fernie branch!
Fernie - BC
2026-08-01
Best team ever! Everyone was kind, calm, professional, and had great personalities and a sense of humour. They definitely deserve a raise! I had recently completed my online motorcycle knowledge test and visited my local ICBC Driver Licensing office to verify my identity, complete the vision screening, have my photo taken, pay the remaining fees, and receive my learner’s licence. They were working with a brand-new system, so there were a few things to figure out, but they worked together as a team and handled everything efficiently. Their teamwork, patience, and positive attitudes made the whole experience smooth and enjoyable. Thank you all for the excellent service!
Fernie - BC
2026-06-18
I had a great experience with Fernie Western Financial while arranging my car insurance. The staff were friendly, knowledgeable, and very helpful throughout the entire process. They took the time to answer my questions, explain my coverage options, and made everything easy to understand. The service was professional, efficient, and stress-free from start to finish. I truly appreciate the excellent customer service and would highly recommend Fernie Western Financial to anyone looking for insurance assistance.
Fernie - BC
Why Choose Western
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Serving Canadians Since 1905
Over a century of experience delivering trusted insurance solutions.
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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.
Your local Canadian insurance broker in Fernie, BC.
At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:
- Car Insurance – Protect your vehicle with affordable and reliable coverage.
- Home Insurance – Secure your home and belongings from unexpected events.
- Boat Insurance – Stay protected while enjoying life on the water.
- Business Insurance – Safeguard your business operations with tailored policies.
- Farm Insurance – Coverage to protect your farm, equipment, and livestock.
- Life Insurance – Plan for the future and protect your family’s financial security.
Western Financial Group is a proud member of the Insurance Brokers Association of British Columbia.
Proudly Supporting the Fernie Community
The city of Fernie in southeastern British Columbia supports approximately 5,249 residents.
As your Fernie insurance brokers, we offer car and truck insurance, home insurance, business insurance, farm insurance and life insurance. We have access to many other superior products.
A supporter of our Western Communities Foundation charity, we’ve donated over $30,000 to the Canadian Avalanche Rescue Dog Association, Fernie Women’s Resource Centre, Tom Uphill Manor and the Emily Brydon Youth Foundation.
Don’t miss the Fernie Alpine Resort, Fernie Museum, Fairy Creek Falls and Mount Fernie Provincial Park.
We are dedicated to helping you find the right insurance in Fernie, British Columbia.
At Western’s Fernie brokerage, we have competitive rates and outstanding customer service. We’ll listen to your concerns and help you customize a policy that fits your needs today and as they change.
Living in Fernie? Here's Everything You Need To Know About...
Comparing Insurance Options Across Canada
Q: What does an insurance broker do?
A: Western's insurance brokers find the best insurance package at the right price.
Insurance brokers can compare quotes and services across different insurance providers. Western's Insurance Brokers save you time and stress by hand-selecting the best insurance quotes nation-wide to match your specific needs and helping you compare them.
Whether you want to protect your home, business, farm, or vehicle, working with an insurance broker is a smart move. Navigating all the insurance options out there can be tricky and time-consuming on your own. We make sure you get great rates and a service guarantee to safeguard your best interests!
What do I need to know about car insurance in Fernie, B.C?
It’s mandatory for all drivers to purchase car insurance from ICBC to help ensure that they are protected with a basic level of coverage.
Basic autoplan insurance for ICBC includes $200,000 in third-party liability coverage. Third-party liability helps protect you in cases such as non-vehicle property damage or driving out of province, and it can protect you in situations where the law permits the other driver to sue.
If you make a third-party liability claim against the person who's responsible for a car crash and they don't have enough insurance to pay for your claim, Underinsured Motorist Protection (UMP) covers you. Basic underinsured motorist protection covers you and members of your household for claims of up to $1 million per insured person.
If you want to increase the amount of coverage you have in the event, you're responsible for a crash, you may want to consider extended third-party liability coverage, an optional Autoplan coverage.
5 Things to Know About ICBC Coverage for Occasional Drivers
What optional insurance should I consider for an electric vehicle in B.C.?
Depending on your needs, you can consider collision, comprehensive, extended third-party liability and loss-of-use coverage. ICBC lists these among the optional coverages available to B.C. drivers.
Is electric vehicle insurance more expensive in B.C.?
The cost of insuring an electric vehicle can vary based on factors such as the vehicle being insured, the drivers listed on the policy and the coverage selected. A B.C. insurance broker can help you review the available coverage and options for your EV.
What do I need to know about home insurance in Fernie, B.C?
Home insurance isn't mandatory in British Columbia, but most banks or mortgage lenders will require you to purchase home insurance coverage if you have mortgage.
Home insurance helps you protect against: Theft, Fire, Third- party “slip and fall” accidents, Vandalism.
You may want to consider adding earthquake coverage to your home insurance policy to protect you should your home suffer catastrophic damage in an earthquake. Every earthquake insurance policy is different, but typically includes three types of earthquake coverage.
- Dwelling coverage helps cover the cost of repairing or rebuilding your home.
- Personal property coverage helps replace personal property like electronics and furniture.
- Loss-of-use coverage helps cover additional living expenses if you must move out while your home is rebuilt or repaired.
What do I need to know about marine insurance in Fernie, B.C.?
When you get BC boat insurance, it protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items.
Without marine insurance in British Columbia, you will be responsible for paying out of pocket for any lawsuits or legal fees, damages to another person’s boat, and uninsured medical costs. While boat insurance isn’t legally required in B.C., can you afford to be without it?
Your lender may require that your B.C. boat has insurance and many marinas require liability insurance for mooring and docking.
How much boat liability insurance is needed in British Columbia?
It’s recommended that you have $3 million or more in boat liability insurance coverage as part of your marine insurance policy to protect yourself as a B.C. boat owner. It helps cover such things as legal fees and uninsured medical bills, which can be expensive without boat insurance.
What are the 3 main types of boat insurance in British Columbia?
Liability insurance
Liability insurance helps financially protect you if you are responsible for causing injury or death to others or damaging someone else’s property while operating your B.C. boat. It’s designed to protect you against lawsuits related to incidents for which you are legally responsible when operating your boat. $3 million is the recommended amount of liability insurance.
All-risk B.C. boat insurance
All-risk marine insurance provides broad protection for your B.C. boat by covering any loss or damage unless it’s specifically excluded your boat insurance policy. This makes it the most comprehensive type of coverage available for recreational boats.
Hull and machinery (Property/Collision Coverage)
Hull and machinery insurance protects against physical damage to your B.C. boat, including collision with other boats or objects, and may also cover equipment attached to the boat.
Western Proudly Supports Our Canadian Communities
At Western, caring is at the heart of everything we do. We are dedicated to making a meaningful difference in Fernie and across Canada by actively supporting the causes that matter most to our customers, employees, and neighbours. Our commitment to care drives us to create a positive, lasting impact every day.
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