Western Financial Group offices will be closed Monday, February 17 in observance of Family Day. We will reopen on Tuesday, February 18. For emergency claims, please call 1-877-599-7299.

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Best Insurance Broker in Pembroke, Ontario

Car insurance, business insurance, home insurance and more!

Whether you’re searching for car insurance, boat insurance, home insurance, business insurance, farm insurance, or life insurance, we are your trusted local experts in Pembroke, ON, with over 100 years of experience. As brokers for Canada’s top insurance providers, we compare options nationwide and handle the details to secure the best coverage at competitive rates— insurance tailored just for you. We'll also provide top rated customer support if you ever need to submit a claim. 

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Why Choose Western

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We shop across trusted providers to find you the best personal or commercial insurance coverage.

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13,000+ Reviews | 4.5 Stars

Reviewed by Canadians in our communities nationwide.

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Serving Canadians Since 1905 
Over a century of experience delivering trusted insurance solutions.

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Fast, Personalized Advice From Experts
Our local insurance experts understand your specific needs.

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Convenient Same-Day Service
Get covered fast with hassle-free, same-day insurance solutions.

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Giving Back
Through the Western Communities Foundation.
Over $9M donated since 2001 to strengthen communities.

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Your local Canadian insurance broker in Pembroke, Ontario.

At Western Financial Group, we offer a wide range of insurance products to protect your home, business, vehicle, and more. Our services include:

  1. Car Insurance – Protect your vehicle with affordable and reliable coverage.
  2. Home Insurance – Secure your home and belongings from unexpected events.
  3. Boat Insurance – Stay protected while enjoying life on the water.
  4. Business Insurance – Safeguard your business operations with tailored policies.
  5. Farm Insurance – Coverage to protect your farm, equipment, and livestock.
  6. Life Insurance – Plan for the future and protect your family’s financial security.

We also provide insurance solutions for local welders through the Christian Labour Association of Canada (CLAC). Western Financial Group is a proud member of the Insurance Brokers Association of Ontario. 

Proudly Supporting the Pembroke Community

The city of Pembroke in Ontario has nearly 14,000 residents and is the administrative seat of Renfrew County.  Our heritage is our story and the Champlain Trail Pioneer Village and Museum thrills travelers to Pembroke. Our ability to harness electricity from rivers is told at the Murray L. Moore Hydro Museum.

A hockey town, we’re great fans of the Pembroke Lumber Kings. Yes, we’re proud of our association with the Hockey Hall of Fame and our inductees, Frank Nighbor, Harry Cameron and Hugh Lehmen.

Western Financial Group brokers on Pembroke Street (formerly MC Carroll Insurance Brokers) offer car insurance, boat insurance, home insurance, business insurance, travel insurance, seasonal property, farm insurance and recreational vehicle insurance etc.

We have access to many other superior products, including affordable group insurance plans. We are dedicated to finding you the best insurance solutions in Pembroke, Ontario.

At Western’s Pembroke brokerage, we have competitive rates and serve outstanding customer care. You can be assured all our insurance brokers are fully-licensed experts. It’s our mission to advocate and negotiate on your behalf with all major insurance companies. By investigating all options, we, in turn, provide you an optimized insurance solution that fits your needs.

Western Financial Group is a proud member of the Insurance Brokers Association of Ontario. 

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 Pembroke, Ontario?

As a resident of Ontario, you need mandatory car insurance coverage that protects you, your passengers, and other drivers.

Under the Compulsory Automobile Insurance Act of Ontario, it is illegal to drive a motor vehicle that is not insured.

There are four types of car insurance that are legally required in Ontario:

  • Third-party Liability Coverage: You must have a minimum of $200,000 in third-party liability coverage as part of your mandatory car insurance. It’s highly recommended that you purchase a higher limit. It protects you if someone is killed or injured, or their property is damaged, and you are found to be legally liable.
  • Statutory Accidents Benefits Coverage: It provides you with benefits if you are injured in an accident, no matter who is found to be responsible. It includes supplementary medical, rehabilitation and attendant care, caregiver, non-earner and income replacement benefits, and there are options to increase most of these coverages.
  • Direct Compensation- Property Damage (DCPD) Coverage:       It covers damage to your car or its contents, and for the loss of use of your car or its contents, if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer.

Insurance coverage under the DCPD section only applies if the following conditions are met: The accident took place in Ontario and there was at least one other vehicle involved in the accident. At least one of the other vehicles is insured by an insurance company licensed in Ontario.

  • Uninsured Automobile Coverage: It protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It covers damage to your car caused by an identified uninsured driver.

5 Questions about mandatory car insurance in Ontario

What do I need to know about home insurance in Pembroke, Ontario?

Home insurance is not mandatory in Ontario, but if you have a mortgage your lender will likely require you to have an insurance policy.

Home insurance helps you protect against:

  • Theft
  • Fire
  • Third- party “slip and fall” accidents
  • Vandalism

Without home insurance, you’ll be responsible for paying out of pocket for damages to your home and detached structures like your shed or garage.

Home insurance also covers your personal belongings and helps protect you should someone get injured at your Pembroke home.

You’ll be protected and have peace of mind with home insurance in Pembroke.

5 Reasons why you need tenant insurance in Ottawa

What do I need to know about boat insurance in Pembroke, Ontario?

When you get Ontario boat insurance, it protects your boat and its motor, boating equipment, and boating accessories like lifejackets, GPS, depth sounders, and many other items.

Without boat insurance in Ontario, 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 Ontario, can you afford to be without it?

Your lender may require that your Ontario boat has insurance and many marinas require liability insurance for mooring and docking.

How much boat liability insurance is needed in Ontario?

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 an Ontario boat owner. It helps cover such things as legal fees and uninsured medical bills, which are expensive without boat insurance.

How much is boat insurance in ON?

Boat insurance in Ontario can typically cost between $300 and $1,000 a year for most recreational boat owners. It can also range from $250 to thousands of dollars yearly, depending on factors like the value of your boat, its age, past claims, and where you boat. The cost of boat insurance is usually around 1.5% of your boat's value. For example, a $20,000 boat in Ontario may cost around $300 to insure annually.

What questions do I need to answer to get Ontario boat insurance?

When you’re getting marine insurance in (city), your Ontario boat insurance expert will typically ask you to provide details about your boat including its age, value, length, type of motor, and any safety features you’ve installed. Information about your personal claims history may also be required.

What are the 3 main types of boat insurance in Ontario?

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 Ontario 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 in liability insurance.

All-risk Ontario boat insurance

All-risk marine insurance provides broad protection for your Ontario boat by covering any loss or damage unless it’s specifically excluded in your boat insurance policy. This makes it the most comprehensive type of marine coverage available for recreational boats in Ontario.

Hull and machinery (Property/Collision Coverage)

Hull and machinery insurance protects against physical damage to your Ontario 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 Pembroke 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.

Standing with Indigenous Communities on Red Dress Day

  May 4, 2026

Western Takes Centre Stage at the Calgary Stampeders' Red & White Rally: A Q&A with Rod Cunniam

  May 1, 2026

Small Acts, Strong Communities, Driven by Care

  April 7, 2026

 

Broker Information

Pembroke, Ontario

Reviews: 3.9

Contact Branch
613-735-1046
pembrokenelson@westernfg.ca

Location
10 Nelson St, Pembroke, ON K8A 6X1

Hours

Mon-Fri: 9:00am - 5:00pm
Sat: Closed
Sun: Closed

Your Trusted Insurance Broker in Pembroke, Ontario

     

Start your insurance shopping here! Competitive prices, friendly service and local!

Laura M.

     

Not many people enjoy purchasing insurance but this office does a great job of making the process as nice as possible. I recommend this team to everyone!

Ashley W.

     

A+ service when I got my travel insurance done recently. Everything went smoothly and the team is very knowledgeable in their fields.

Parama U.