Pacific Coast Insurance Brokers

What Pacific Coast Insurance Brokers does

Pacific Coast Insurance Brokers Inc. is an independent insurance brokerage headquartered in Surrey, British Columbia, founded in 2009 and family-run for 17+ years. The firm operates a single physical office at 102-12030 80th Avenue, Surrey, supplemented by phone and a 4-step online quote request form with a one-business-hour broker callback commitment. It distributes ten core product lines — Auto (ICBC Autoplan plus extended coverage), Home, Commercial, Construction, Cargo, Tenant & Condo, Travel, Visitor to Canada, Boat & Watercraft, and Specialty — by comparing files across 50+ Canadian insurance carriers including Intact, Wawanesa, Economical, ICBC, Definity, Family Insurance, Peace Hills, and Allianz Travel.

The business model is commission-based: revenue is earned on policy placement and renewal, with a stated practice of re-shopping client files at every annual renewal rather than only at initial quote. Distribution is direct-to-consumer (walk-in, phone, online) with no third-party resellers. The firm holds ICBC Autoplan Authorized Broker status and serves Surrey and the broader Lower Mainland of British Columbia including Delta, Langley, Richmond, Vancouver, Burnaby, Coquitlam, Port Coquitlam, New Westminster, and Maple Ridge. Customer mix is predominantly individual households and small businesses; service is offered in 4 languages (English, Punjabi, Hindi, and others) by 20+ brokers, with reported 94% client retention and 4.7/5 stars across 103 Google reviews. Multiline bundling is used as a retention lever, with reported bundle savings of 8-15% for Home + Auto and other combinations.

Name

Pacific Coast Insurance Brokers

Legal name

Pacific Coast Insurance Brokers Inc.

Website

https://pcibrokers.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Pacific Coast Insurance Brokers is a family-run independent insurance brokerage in Surrey, BC, serving individuals and small businesses across the Lower Mainland since 2009. It compares 50+ Canadian carriers across 10 product lines including auto, home, commercial, travel, and cargo.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Commercial Lines Insurance Brokerage (FSAEADAB)

akta.pro secondary industries

Inland Marine Insurance (Transit, Equipment & Installation) (FSAJAHAB), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Independent insurance brokerage
• Commercial insurance coverage
• Home insurance policies
• Auto insurance brokerage
• Travel insurance services

Headquarters

HQ city

Surrey

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Policy Commissions: Pacific Coast Insurance Brokers earns commissions from insurance carriers for policies placed and renewed. As an independent brokerage, they shop files across partner insurers at every annual renewal, not just at initial quote.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Pacific Coast Insurance Brokers is an independent insurance brokerage that shops client files across 50+ Canadian insurance carriers to deliver auto, home, commercial, cargo, construction, travel, visitor, specialty, tenant/condo, and boat/watercraft coverage. Licensed brokers in Surrey, BC provide personalized in-person, phone, and online consultations seven days a week, including mandatory ICBC Autoplan sales, with bundle savings of 8-15% on multi-policy combinations. The brokerage earns commissions from carriers for policies placed and re-shopped at every annual renewal, not just at initial quote.

Product overview

Pacific Coast Insurance Brokers is an independent insurance brokerage serving the Lower Mainland of BC since 2009. The company offers a comprehensive portfolio of 10 core insurance product lines: Auto Insurance (ICBC Autoplan plus extended coverage), Cargo Insurance (their specialty), Commercial Insurance, Construction Insurance, Home Insurance, Specialty Insurance (events), Tenant & Condo Insurance, Travel Insurance, Visitor to Canada Insurance, and Boat & Watercraft Insurance. As an independent brokerage, they compare coverage across 50+ Canadian insurance carriers including Intact, Wawanesa, Economical, ICBC, and others. They are an ICBC Autoplan Authorized Broker, enabling them to set up mandatory Basic policies, renewals, and plate transfers. The product architecture consists of a coordinated brokerage service model where brokers provide personalized advice across multiple insurance lines, with bundled pricing options (home + auto saving 8-15%) and dedicated claims support.

Differentiator

Problem solved

Functional benefit

Products and services

• Auto Insurance ICBC Basic Autoplan plus extended optional and specialty coverage for passenger vehicles, light and heavy commercial vehicles, fleet vehicles, motorcycles, ATVs, RVs, and trailers. Targeted at BC drivers and fleet owners requiring mandatory and optional auto coverage.
• Cargo Insurance Protection for goods in transit by road, rail, sea, or air, specializing in inland cargo, marine cargo, freight liability, warehouse storage, import/export, and cross-border shipments including Amazon accounts. Targeted at freight and logistics companies across North America.
• Commercial Insurance Business insurance for BC including general liability, commercial property, strata building insurance, restaurants and hospitality, retail stores, contractor liability, surety bonds, errors and omissions, and contractor/trades coverage. Targeted at small and mid-sized BC businesses.
• Construction Insurance Course of construction coverage for projects from single-family homes to condo complexes, including builders risk, wrap-up liability, and contractor operations for single-family homes, duplex/laneway homes, townhouse projects, condo complexes, and warehouse buildings. Targeted at BC builders, developers, contractors, and project owners.
• Home Insurance Comprehensive property protection including homeowners policy, rental house insurance, high-value homes, hard-to-place homes, condo insurance, duplex/triplex/fourplex, tenant insurance, mobile/manufactured homes, tiny homes, earthquake coverage, flood insurance, and umbrella liability. Targeted at homeowners, landlords, and high-value property owners in the Lower Mainland.
• Specialty Insurance Specialized coverage for unique occasions including wedding and event liability, birthday parties, community events, parades and festivals, and short-term pro-rated policies. Targeted at event organizers and individuals planning one-off covered gatherings.
• Tenant & Condo Insurance Contents and liability protection for renters, condo owners, and townhouse residents, including tenant package, condo owners policy, deductible buy-down, and strata deductible buy-down coverage. Targeted at renters, condo owners, and townhouse residents in BC.
• Travel Insurance Travel protection including trip cancellation, trip interruption, emergency medical, baggage and delays, flight accident coverage, available as single trip or annual multi-trip policies. Targeted at BC-based individuals and families travelling domestically or internationally.
• Visitor to Canada Insurance Medical insurance for Supervisa applicants, parents, grandparents, new immigrants, and international students, including coverage with pre-existing conditions. Targeted at families arranging medical coverage for relatives and students visiting Canada.
• Boat & Watercraft Insurance Coverage for powerboats, sailboats, personal watercraft, fishing boats, marine liability, emergency towing, dinghies, small craft, and seasonal storage for vessels docked at marinas or on BC waters. Targeted at BC boat owners and marine recreation users.

Quantifiable outcome

• 94% client retention rate
• +2 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Intact InsurancecoreChannel Partner/ Reseller/ DistributorMajor Canadian insurance carrier included in PCI Brokers' network of 50+ insurers for auto, home, commercial, and specialty coverage options.
• Wawanesa InsurancecoreChannel Partner/ Reseller/ DistributorRegional Canadian insurer partnered with PCI Brokers for insurance policy placement and renewals.
• Economical InsurancecoreChannel Partner/ Reseller/ DistributorCanadian insurance carrier in PCI Brokers' carrier network for various coverage lines.
• ICBCcoreChannel Partner/ Reseller/ DistributorProvincial auto insurer for mandatory Basic Autoplan coverage. PCI Brokers is an authorized Autoplan broker handling new setups, renewals, transfers, and claims coordination.
• Definity InsurancecoreChannel Partner/ Reseller/ DistributorCanadian insurance carrier in PCI Brokers' partner network for various policy types.
• Family InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through PCI Brokers' brokerage platform.
• Peace Hills General InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partnered with PCI Brokers for various coverage lines including home and commercial.
• Allianz TravelcoreChannel Partner/ Reseller/ DistributorTravel insurance provider for trip cancellation, interruption, emergency medical, and baggage protection offered through PCI Brokers.
• Blue CrosscoreChannel Partner/ Reseller/ DistributorHealth and travel insurance provider in PCI Brokers' carrier network for visitor, travel, and health coverage.
• Burns & WilcoxminorChannel Partner/ Reseller/ DistributorManaging general agent for specialty and surplus lines insurance including cargo and specialty coverage.
• Forward Insurance ManagersminorChannel Partner/ Reseller/ DistributorInsurance Managing General Agent providing claims handling through Coast to Coast Claims for certain carrier policies.

Scale indicators7 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• HUB International Limited: Large North American insurance brokerage with significant Canadian operations in personal, commercial, and specialty lines; larger-scale incumbent that overlaps with PCI across the broader BC brokerage market.

Others

• Intact Insurance: Canada's largest P&C carrier and a core distribution partner of PCI; functions as both supplier (via PCI placements) and competitive alternative when customers choose to buy directly through the carrier.
• ICBC (Insurance Corporation of British Columbia): Provincial basic auto insurer that PCI acts as an authorized broker for; not a competitor in placement, but influences channel economics through its direct/online Autoplan offering that competes with broker-served Basic policies.

Direct peers

• BFL Canada Insurance Services: Canadian specialty insurance brokerage with strong commercial and marine/cargo capabilities; particularly comparable to PCI's cargo and inland marine practice and to the broader commercial-lines intermediary role.
• Westland Insurance Group: BC-headquartered independent insurance brokerage operating the largest Western Canadian brokerage network with comparable multi-line personal and commercial placement and broad carrier access; direct competitor in the same Lower Mainland catchment as PCI.
• BrokerLink: One of Canada's largest retail insurance brokerages with multi-line personal, auto, home, and commercial offerings across multiple provinces including BC; competes with PCI for the same household and small-business customers with similar independent brokerage positioning.
• CapriCMW Insurance Services: Western Canadian independent brokerage with similar multi-line retail and commercial offerings across BC; comparable broker-to-broker competitor with overlapping personal and commercial coverage lines.
• InsureBC (KRG Insurance Brokers): BC-focused independent insurance brokerage serving the Lower Mainland with personal, auto, home, and commercial lines, including ICBC Autoplan; head-to-head competitor in the same Surrey-area geography as PCI.

Emerging players

• Sonnet Insurance Company: Direct online home and auto insurance carrier underwritten by Aviva; an emerging digital distribution channel that bypasses brokers like PCI on commodity personal-lines business.
• Square One Insurance Services: Canadian direct-to-consumer insurance provider specializing in home and tenant insurance with online quoting; represents the digital aggregator model that competes with PCI's in-person/phone brokerage for self-directed shoppers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/pacific-coast-insurance-inc

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Pacific Coast Insurance Brokers