Business Details
43 Years
experience
Your Trusted Insurance Partner in Victoria, BC
HSM Insurance has been locally owned and operated in Victoria since 1983, specializing in commercial and home insurance products. Our team of hyper-local experts understands Victoria's unique risk landscape, providing tailored protection for what matters most to our clients. With over three decades of experience, we pride ourselves on offering access to Canada's best and most competitively priced insurance markets. Our dedicated representatives are available across three locations, ensuring personalized service is always within reach.We focus exclusively on insurance, allowing us to deliver deep expertise and unwavering commitment to every client relationship. Our client-centric approach is reflected in testimonials highlighting exceptional service, knowledgeable advice, and successful long-term partnerships. By maintaining a strong local presence and leveraging industry expertise, we ensure our clients receive comprehensive coverage solutions that evolve with their changing needs.
Services
Commercial Insurance
Home Insurance
Auto Insurance
Travel Insurance
Marine Insurance
Surety Bonds
Details
- Year established: 1983
Highlights and features
- We've specialized in insurance solutions since 1983 with local Victoria expertise
- Our hyper-local team understands regional risk landscapes and regulatory environments
- Personalized service from dedicated representatives across three convenient locations
- Access to Canada's top-rated insurance markets with competitive pricing options
- Proven track record of successful claims resolution and long-term client partnerships
What people say
Attentive and knowledgeable
Smooth and stress-free process
Best coverage for best price
Dedicated and supportive brokers
Exceptional customer care
Services
Commercial Insurance
Our commercial insurance solutions protect businesses of all sizes against property damage, liability claims, and operational disruptions. We offer tailored policies covering general liability, property protection, and business interruption. With access to top Canadian insurers, we help businesses secure comprehensive coverage that aligns with their specific risk profiles and industry requirements.
Home Insurance
We provide customized home insurance policies protecting residential properties against common risks including fire, theft, and natural disasters. Our coverage options include dwelling protection, personal liability, and additional living expenses. Our local experts help homeowners in Victoria and surrounding areas secure optimal coverage for primary residences, rental properties, and vacation homes.
Auto Insurance
Our auto insurance policies offer protection for personal and commercial vehicles against accidents, theft, and third-party liability. We provide competitive rate options while ensuring compliance with British Columbia's insurance requirements. Our team helps clients select appropriate coverage levels based on vehicle type, usage patterns, and individual risk factors.
Travel Insurance
We offer comprehensive travel insurance solutions covering medical emergencies, trip cancellations, and unexpected travel disruptions. Our policies provide protection for domestic and international travelers, including coverage for pre-existing medical conditions when applicable. We help clients select appropriate coverage based on destination, trip duration, and specific activity plans.
Surety Bonds
Our surety bond solutions provide financial guarantees for contractual obligations across construction and other industries. We offer bid bonds, performance bonds, and payment bonds to protect project stakeholders. Our team works with businesses to secure bonding capacity that meets project requirements while maintaining competitive pricing and favorable terms.
People
Brad Hendry
Partner / Account Executive
With decades of insurance experience, Brad specializes in commercial risk management solutions. He helps businesses secure comprehensive coverage while maintaining strong insurer relationships. His client-focused approach emphasizes clear communication and tailored protection strategies.
Ross McKenzie
Partner / Account Executive
Ross provides expert insurance advice to homeowners and businesses across Victoria. With extensive local market knowledge, he helps clients navigate complex coverage options. His long-term client relationships reflect his commitment to personalized service and ongoing policy optimization.
Rebecca Smirl
Account Executive
Rebecca specializes in personal insurance solutions, particularly for first-time homeowners. She provides detailed policy explanations and ensures clients understand their coverage options. Her attentive service has earned consistent positive feedback from clients in the Westshore region.
Brad Scafe
Account Executive
Based in Duncan, Brad serves local businesses and residents with customized insurance solutions. He focuses on understanding regional risk factors to provide appropriate coverage recommendations. His approach emphasizes building long-term client relationships through reliable service and expert guidance.
Adrian Stoddart
Partner / Account Executive
Adrian combines industry certifications with local expertise to deliver comprehensive insurance strategies. He works with clients to develop risk management plans that evolve with changing needs. His CAIB designation reflects advanced knowledge of commercial insurance practices and market trends.
Questions
What types of insurance does HSM Insurance offer?
We provide commercial insurance, home insurance, auto insurance, travel insurance, marine insurance, and surety bonds. Our specialists help businesses and individuals find tailored coverage solutions.
How do I file an insurance claim?
You can report claims through our website or contact your dedicated broker directly. Our claims manager Gabrielle Davis oversees the process to ensure timely resolution and proper documentation.
Do you serve areas outside Victoria?
Yes, we serve clients across Greater Victoria including Westshore and Duncan. Our three office locations provide convenient access for residents and businesses throughout the region.
How are insurance premiums determined?
Premiums depend on factors like coverage type, policy limits, risk exposure, and claims history. Our brokers analyze these factors to find competitive rates while maintaining appropriate protection levels.
Can I get insurance for multiple properties?
Yes, we specialize in multi-property coverage solutions for homeowners with rental properties, vacation homes, and commercial real estate. Our team creates consolidated policies that provide comprehensive protection.
What makes HSM Insurance different from other agencies?
Our hyper-local expertise, exclusive focus on insurance, and long-term client relationships set us apart. We combine local market knowledge with access to top Canadian insurers to deliver personalized solutions.
Reviews (3)
Walter Collins
Jun 18, 2020
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Great service, the employees are awesome. I get my car insurance done there, wouldn't go anywhere else!
Lorne Tuplin
Dec 11, 2018
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Popped in to renew my insurance. Was helped to reduce costs by various means in a very friendly Manor. Best renewal service yet!
Steve Masotti
Oct 09, 2018
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This is a great place to obtain insurance. Good environment and all people that work here go above the mark for clients. They help each other and this reflects on the service you obtain. Thanks so much Ryan and good job Madison. All the best to all if you in the front lines.
