Membership has its perks
Western Financial Group has partnered with the British Columbia Restaurant and Food Services Association (BCRFA) to help their members save up to 10% on their business insurance and their employee benefits plans.
Discover exclusive savings and stability
Our partnership extends to all BCRFA members to provide exclusive savings and services to restaurants, bars, pubs and foodservice businesses.
We do this by unlocking insurance cost savings and price stability through pooled programs and our marketplace, backed by the most trusted names in insurance.
Business Insurance with big benefits
Big news! We save qualified businesses 10% on apples-to-apples coverage for your Commercial Insurance and provide you access to the following perks through Western Financial Group from this exclusive partnership.
IMMEDIATE SAVINGS
Enjoy 10% savings on apples-to-apples coverage for qualified businesses.
STABLE ANNUAL RATES
Our pooled structure provides long term rate stability for you through group deals and our insurance marketplace.
INSURANCE HEALTH CHECK
Get a free insurance health check on your current policy.
24/7 IN-HOUSE CLAIMS SERVICE
Count on our around-the-clock service when you need us most.
COAST-TO-COAST SUPPORT
With over 200 locations and an online team, we are always here to help.
RISK MANAGEMENT
We help you identify and address future risks to your business to keep you safe.
What we offer
COMMERCIAL GENERAL LIABILITY
An essential for businesses, it covers accidental personal property damage, and client injuries.
COMMERCIAL PROPERTY
Coverage for your building and the improvements you’ve made on it. As well as damaged stock and inventory on site.
CYBER INSURANCE
Protecting your online reputation, data hacks, and breaches. Cyber covers technical recovery, legal, and PR support.
PROFESSIONAL LIABILITY
Protects against mistakes or negligence that could arise from your work or professional advice that may harm your client .
BUSINESS INTERRUPTION
Replaces lost revenue if you temporarily close your doors from a fire, flood other insured losses.
MUCH MORE
We have many other coverage options tailored to the needs of hospitality and foodservice businesses.
Get a free insurance health check and start saving
Bring in your current policy for a free review. As an insurance marketplace, we‘ll make sure you are getting the right coverage at the best possible price. On average, we save our
customers 10% on their business insurance and Employee Benefits plans.
Book an appointment during business hours at 800-665-8990.
Redesigning how Employee Benefits works
Customers who switch to TotalGuard Employee Benefits save 10% with our pooled structure.
We’re working to put an end to big price jumps. By pooling over 1,750 businesses together into one group, we cut administrative fees, and get you the right plan at the best price possible. TotalGuard has Canada’s most stable rates over a 5 year period.
How we keep your wallet and your employees happy and healthy
IMMEDIATE SAVINGS OF UP TO 10%
Our one-of-a-kind structure allows us to provide immediate savings on equivalent coverage.
CANADA'S MOST STABLE RATES IN THE INDUSTRY
By grouping over 1,750 businesses together, we have the lowest overall cost of ownership over the past 5 years.
FLEXIBLE COVERAGE TO GROW WITH YOUR BUSINESS
Want to offer more coverage? We can scale our protection as your business grows.
PAY-DIRECT DRUG/DENTAL CARD
Employees get a direct pay card that covers prescription drugs and services immediately.
RECRUIT AND RETAIN GREAT PEOPLE
Offering great group benefits can help you retain your best employees.
MAKE THE SWITCH, ANYTIME
Want to make the jump to savings? Let us help walk you through the steps.