We are authorized to issue, bill and service policies on behalf of our underwriter, The Mutual Fire Insurance Company of British Columbia. Information on our underwriter is provided below.

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The Mutual Fire Insurance Company of British Columbia (Mutual Fire)

Mutual Fire was started in 1902 and is based in Langley, British Columbia. The company is licensed to do business in British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, and Quebec. Mutual Fire’s operations are supervised by provincial regulators, with the BC Financial Services Authority assuming the lead regulatory role.

The Best’s Financial Strength Rating for Mutual Fire is A- (Excellent). This rating is assigned by A.M Best and it provides an independent opinion of Mutual Fire’s financial strength and ability to meet its ongoing insurance policy and contract obligations.

Mutual Fire is a member of the Property and Casualty Insurance Compensation Corporation (PACICC). PACICC is a special program funded by Canadian property and casualty insurance companies to protect policyholders and claimants. If an insurance company fails, PACICC will automatically respond to your claim as long as your insurance company is a participating member. Basically, PACICC is much like the Canadian Deposit Insurance Corporation, which protects your savings in case a bank fails.

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Legal protection insurance provider

ARAG Legal Solutions Inc. (ARAG)

ARAG Legal Solutions Inc. (ARAG) is the Canadian market leader and managing general agent specializing exclusively in Legal Expense Insurance. Working with brokers and corporate partners, ARAG creates access to justice solutions so Canadian individuals, families, and business owners can exercise their rights, preserve their budget, and be confident when facing an unforeseen legal event. ARAG Legal Solutions Inc. Legal Expense Insurance policies are underwritten by HDI Global Specialty SE. To learn more, please visit arag.com.