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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.

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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.

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IMMEDIATE SAVINGS

Enjoy 10% savings on apples-to-apples coverage for qualified businesses.

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STABLE ANNUAL RATES

Our pooled structure provides long term rate stability for you through group deals and our insurance marketplace.

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INSURANCE HEALTH CHECK

Get a free insurance health check on your current policy.

 

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24/7 IN-HOUSE CLAIMS SERVICE

Count on our around-the-clock service when you need us most.

 

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COAST-TO-COAST SUPPORT

With over 200 locations and an online team, we are always here to help.

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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.


BUSINESS INTERRUPTION

Replaces lost revenue if you temporarily close your doors from a fire, flood other insured losses.


LIQUOR LIABILITY

For eateries that serve alcohol, this is part of your commercial general liability coverage and protects your establishment from liability for injuries or damage caused by caused by liquor related incidents.


EQUIPMENT BREAKDOWN

Covers mechanical and electrical equipment like heating and air conditioning, ovens, hoods, freezers, phone and lights if there is a sudden failure. It also covers lost revenues where applicable.


CYBER INSURANCE

Protecting your online reputation, data hacks, and breaches. Cyber covers technical recovery, legal, and PR support.

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

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IMMEDIATE SAVINGS OF UP TO 10%

Our one-of-a-kind structure allows us to provide immediate savings on equivalent coverage.

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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.

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FLEXIBLE COVERAGE TO GROW WITH YOUR BUSINESS

Want to offer more coverage? We can scale our protection as your business grows.

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PAY-DIRECT DRUG/DENTAL CARD

Employees get a direct pay card that covers prescription drugs and services immediately.

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RECRUIT AND RETAIN GREAT PEOPLE

Offering great group benefits can help you retain your best employees.

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MAKE THE SWITCH, ANYTIME

Want to make the jump to savings? Let us help walk you through the steps.