Nicol Insurance Owen Sound

Located in Owen Sound since 1953, Nicol Insurance has grown to be your number-one local insurance solution. We're so proud to have our headquarters located in the heart of downtown Owen Sound.

Not only do we serve the community, but we are so proud to be a part of it! 

Our Insurance Services

Father son with personal insurance

Personal Insurance

Our experienced brokers can help you determine the right kind of coverage you need to protect your unique lifestyle.


Commercial Insurance

Whether you are a contractor or an engineer, a manufacturer or wholesaler, as brokers, we can help you protect what you have built by customizing your policy to protect your unique business needs.


Group Insurance

We recognize the importance of attracting and retaining employees by offering a benefit plan suitable to their needs.

Agricultural Insurance

Agricultural Insurance

We understand the unique needs of local farms, whether you run a large-scale agricultural operation or a small hobby farm.

Our Owen Sound Team

  • All
  • Administration
  • Commercial
  • Owen Sound
  • Personal

Tim Nicol

His knowledge of the insurance business has being learned at many levels, experiencing first-hand the diverse and complex insurance world. Not only did he grow up with insurance talk at the family table, but he was also educated on insurance in London, Ontario. Prior to joining Nicol full-time, Tim worked at both large and small insurance companies, it was there he found a meaningful difference, particularly in the way companies treat their clients and team members.


Adam Barfoot

Soon after a successful start in accounting, Nicol Insurance Chief Financial Officer Adam Barfoot made the decision that he wanted something more. With the designation CPA, CA,  he was at the time working for a public accounting firm.  In 2012, after a conversation with childhood friend Tim Nichol, he decided to make the jump and began his career as an insurance broker. Attaining his CAIB, he now acts as the principle broker for Nicol Insurance and with Tim Nicol is equal partner. 


Michelle van Essen

With over two decades in business development, Michelle van Essen enjoys her diverse role as Executive Assistant to Nicol Insurance’s leadership team. Working out of the Owen Sound office, Michelle engages with all of the companies locations. She enjoys all aspects of technology, and her knowledge in the financial, automotive and IT industries provides an excellent resource as she streamlines communications and makes sure company systems work seamlessly.


Krista Tippin

Growing up in an insurance family, Krista Tippin started working in the financial sector immediately. Quite often the first person clients meet upon arrival at the Owen Sound office, she makes a great first impression. Krista enjoys people, she is engaging as she focuses on providing a “positive impact” with everybody. She radiates Nicol’s warm and family oriented atmosphere. She loves the variety and the challenges that come with the everyday.


Sue Lambkin

Born and raised in Owen Sound, Sue Lambkin has been with Nicol Insurance since 2001. As Controller, Sue does all the accounting and payroll services for all the Nicol locations.


Megan Jackson

Megan Jackson is Nicol Insurance administrative assistant. Energized and positive, Megan brings a lot of good vibes to the Nicol Insurance, Owen Sound office. Graduating from Niagara’s Hospitality Management program, Megan immediately entered the hotel industry. After that experience, she moved direction and started working with the Saugeen Shores Chamber of Commerce. It was here where she learned a lot about managing documents, and knows it can get pretty chaotic from time to time. Megan works hard to keep every ones spirits up, “even though we have offices all around Ontario, I feel like we have a good connection to them.” Connection is everything to this cheerful spirit, who thinks working in a community, as awesome as Owen Sound is, pretty great.


Matt Brown

Working from the Owen Sound office, Commercial Account Executive Matt Brown has built his business through solid customer referrals. His expertise with larger construction companies, farms and fleets has provided him a wealth of knowledge in servicing those areas. He’s quickly approaching 10 years at Nicol, and is surprised at how the time has flown by.


Rebecca MacVicar

Commercial Account Executive Rebecca MacVicar enjoys meeting clients face-to-face. Specializing in Nicol Insurances exclusive program for the Automotive Industry, Rebecca not only liaisons with car dealers, but owners of auto body shops and condo corporations as well.


Jaclyn Searles

Jaclyn Searles is a key member of the small business team for Nicol Insurance’s Commercial Division. Her focused, yet personal approach provides a refreshing change to the digital way other brokers operate. Jaclyn was a perfect fit for the new approach Nicol desired for their expanding commercial insurance division. 


Mike Sarvis

Mike Sarvis is a life long learner who jumped into the insurance business following a 16 year commercial retail management career. Familiar with most industries, Mike understands the “pains and struggles” of supply chains, accepting that the last thing clients need to worry about is insurance.


Jaclyn Gostick

As an Account Executive with the Nicol Insurance Commercial Lines team, Jaclyn Gostick enjoys working closely with many Ontario businesses. Working in the Nicol Insurance Port Elgin insurance office, she focuses on providing commercial coverage to small businesses as well as group benefits. As an Advisor for the Chambers Plan, Jaclyn offers Chamber members and their employees comprehensive group benefits, including health and dental insurance. She is the exclusive Advisor for more than 15 Chambers, including the Owen Sound Chamber, Saugeen Shores Chamber and the Grey Highlands Chamber of Commerce.


Luke McConnell

Luke, who has an honours bachelor of arts degree from the University of Windsor as well as a Teachers College Degree, finds the favourite part of his job to be ‘the people’ he gets to work with. Having the opportunity to “help people understand their policies and put their minds at ease”, is extremely rewarding to Luke. Naturally curious, Luke takes his time with clients and puts in the added attention, “by caring enough to ask the right questions” he gets to know the different folks from these growing communities. Connecting with people, is what drives his day-to-day.

Get In Touch with Us


985 2nd Avenue East,
Owen Sound, ON N4K 2H5


Phone: 1 (519) 376-5350
Toll Free: 1 (800) 376-5350
Fax: 1 (519) 376-1658


9:00 am – 4:00 pm


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