Trail, BC Insurance

  • British Columbia Home Insurance

🚨 Announcement – WVINS Is Now Serving Trail, BC 🚨

Growth Financial Corp. is pleased to announce we have combined our Whitlock Insurance Services operations in Trail B.C. with our Working Ventures Insurance Solutions operations in Kelowna B.C. This allows us to extend our commitment to providing group insurance discounts to union members and other organized groups to a broader community.

Effective March 15, 2024, Whitlock Insurance Services will be operating under the name Working Ventures Insurance Solutions. The combined expertise and expanded reach will enable us to deliver an even higher level of service to all our customers. Both our teams will be working to ensure a smooth transition as your trusted insurance advisor.

List of Services offered in Trail

We offer a comprehensive range of insurance services tailored to meet your needs, including home, auto, watercraft, RV and travel trailer, travel, cyber, and commercial insurance. With our expertise and access to multiple insurers, we ensure you get the best coverage at the best rates. Contact us today to protect what matters most to you.

We arrange insurance for:

Homeowners Insurance

Our agency offers a comprehensive range of insurance services tailored to meet various needs:

  • Home Insurance: Protecting your home and its contents is crucial. We work with major insurers to find the right policy for you, ensuring coverage for property replacement and legal obligations.
  • Condominium Insurance: Specifically designed for condo owners, our policies cover personal property and legal responsibilities, including betterments and improvements.
  • Rented / Seasonal Dwellings: Whether you’re renting out your property or using it seasonally, we provide coverage options tailored to your needs, ensuring your property is protected.
  • Storage Coverage: Even in storage facilities, your belongings need protection. We arrange specialized policies to cover your personal property while in storage.
  • Vacant Dwelling Insurance: Vacant properties pose unique risks. We offer short-term policies to safeguard your investment until it sells or is occupied again.
  • Airbnb / Vacation Rental Insurance: Renting out your home? Ensure your policy covers this activity to avoid potential gaps in coverage.
  • Tenant / Renters Insurance: Protect your belongings and personal liability with tenant insurance, covering what your landlord’s policy does not.
  • Mobile Home Insurance: Your mobile home and belongings are valuable assets. Our policies offer replacement cost coverage to meet your needs.

With our expertise and access to multiple insurance providers, we help you find the right coverage for your specific situation, offering peace of mind and financial protection.


Home Insurance BC

Navigating Insurance Claims in BC

Auto Insurance

We provide comprehensive private auto insurance options to BC motorists, offering savings and tailored coverage:

  • Private Auto Insurance: Save on auto insurance with extended third-party liability, collision, and comprehensive coverage beyond basic government insurance. We work with reliable insurers to offer a variety of options and enhancements, ensuring the best coverage for your needs.
  • ATV and Snowmobile Insurance: Enjoy BC’s backcountry recreation safely with our coverage for snowmobiles and ATVs. Mandatory third-party liability coverage protects you on forest service roads and private land, with own damage coverage safeguarding your investment in case of loss. Discounts are available for safe drivers and organization members, with multiple options to suit your needs.

Contact us today to discuss your private auto insurance needs and ensure you’re adequately covered on the road. Additionally, explore our ATV and snowmobile insurance options to enjoy BC’s backcountry recreation with confidence.

Watercraft Insurance

We offer specialized boat insurance tailored to British Columbia residents, providing comprehensive coverage and peace of mind:

  • Boat Insurance: Residential policies typically offer limited coverage for watercraft. To adequately protect your boat, a separate boat insurance policy or a watercraft rider on your home insurance is essential. Our policies ensure sufficient coverage for boats of all sizes and values.
  • Why Boat Insurance is Important: While not legally required in British Columbia, boat insurance is highly advisable. It safeguards your valuable asset and protects you from potential liability in case of accidents. Without insurance, you risk significant financial loss and legal repercussions if you cause damage or injury while boating.

Ensure your boat and your financial security are fully protected by contacting us for your boat insurance needs.


A Quick Guide to Boat Insurance in BC

RV and Travel Trailer Insurance

We specialize in providing comprehensive RV insurance tailored to British Columbia residents, ensuring peace of mind and protection for your recreational vehicle adventures:

  • Recreational Vehicle Insurance: From campers to deluxe motorhomes, we offer customized packages for all types of RVs, whether brand new or vintage. Our policies include guaranteed replacement cost for units up to 10 years old, covering personal contents, awnings, and outbuildings.
  • RV Insurance Basics: Basic autoplan coverage is mandatory for all vehicles on the road, including RVs. Our policies offer additional coverage options tailored to your travel needs, including emergency vacation expense coverage and guaranteed replacement cost for newer units.
  • Travel Trailer Insurance: For non-driven RVs like travel trailers, we offer specialized insurance coverage tailored to personal use, including coverage for the trailer, personal belongings, and attached equipment. Optional coverage includes premises liability and voluntary medical payments.
  • Physical Damage RV Insurance: Protect your RV investment with physical damage insurance, including options for guaranteed replacement cost or actual cash value coverage. Ensure you can quickly replace or repair your RV in the event of damage.

Your RV is a significant investment, and it’s crucial to protect it properly. Contact us today for personalized RV insurance coverage that meets your needs and provides peace of mind on all your adventures.


Travel Insurance

Gain peace of mind while travelling with our comprehensive Travel Insurance Policies, carefully designed to protect you and your family during your adventures.

Travel insurance is necessary for several reasons:

  • Sickness or Injury Coverage: Provincial health insurance plans often provide limited coverage outside of your home province. Travel insurance with medical benefits ensures you’re protected against substantial financial losses related to medical emergencies abroad, including outpatient care, hospitalization, and more.
  • Trip Cancellation and Interruption: Unexpected events like illness, jury duty, or other emergencies can force you to cancel or cut short your trip. Trip cancellation and interruption benefits help you recover non-refundable travel expenses and reimburse unused trip expenses in such situations.
  • Lost or Stolen Luggage: Millions of pieces of luggage are handled daily, and loss or theft can occur. Travel insurance provides coverage for lost or stolen baggage, reimbursing you for the value of your personal items. Baggage delay benefits also cover necessary purchases if your baggage is delayed for a certain period.
  • Peace of Mind: Travel insurance offers peace of mind, knowing that you’re protected against unforeseen circumstances that could disrupt or impact your trip. From medical emergencies to travel disruptions, having the right coverage ensures you can travel with confidence.

Whether you’re travelling abroad or within Canada, having comprehensive travel insurance ensures you’re financially protected and can enjoy your trip with peace of mind. Contact Working Ventures Insurance to get the best travel insurance policies tailored to your needs.

Looking out a plane window, showcasing our ability to offer travel insurance

Commercial Property Insurance

Commercial Insurance

We specialize in providing comprehensive insurance solutions tailored to your business needs. Whether you’re a home-based entrepreneur, a commercial property owner, or embarking on a construction project, we have you covered.

  • Home-Based Businesses: The rise of home-based businesses requires specialized coverage. Our home office insurance extensions bridge the gap between residential policies and the unique needs of your small commercial enterprise.
  • Commercial Property & Liability: Safeguard your commercial assets with our wide range of coverage options. Representing reputable commercial insurers, our experienced team ensures your business risks are well-protected.
  • Course of Construction: From large-scale commercial projects to vacation cottages, our construction insurance provides coverage from the planning stages to completion. Start your course of construction policy early to ensure comprehensive protection throughout the project.

Contact us today to explore our complete business insurance coverage options and find the best policy for your specific situation. Trust our expertise to protect your business and investments effectively.

Cyber Insurance

Introducing our new Cyber Insurance policy, tailored for individuals with technology exposures at home. Covering cyber attacks, ransomware, identity theft, cybercrime, and more. Optional coverage for cyber bullying available. Choose from aggregate limits ranging from $25,000 to $500,000. Get started for as low as $130. Protect your digital assets today.

Call us today… whether your existing policy is due for renewal or not. Join the thousands of BC residents who have obtained professional service and great coverage at a competitive price.